Coverage		Reasons for Payment
Accident	Death and Disablement	In case of Death or disabilment of the insured person by sudden and incidental accident
	Inpatient treatment	In case of hospitalized medical treatment at the hospital in Korea by injury
	Outpatient treatment	In case of taking medical treatment as an outpatient in Korea due to injury
	Medication prescription	In case of obtaining doctor's prescription due to injury
Disease	Death and Permanent Disability (80% or over)	In case of death or disability (80% or over) by disease
	Inpatient treatment	In case of hospitalized medical treatment at the hospital in Korea by disease
	Outpatient treatment	In case of taking medical treatment as an outpatient in Korea due to disease
	Medication prescription	In case of obtaining doctor's prescription due to disease
Special clause	(Uninsured treatment by NHI) physical therapy, extracorporeal shock wave treatment, prolotherapy	If an insured is admitted or outpatient visits to hospital for treatment of an injury or illness, and receives uninsured treatment such as physical therapy, extracorporeal shock wave treatment, proliferative treatmen.
	(Uninsured treatment by NHI) injection treatment	If an insured is admitted or outpatient visits to hospital for treatment of uninsured injection treatment
	(Uninsured treatment by NHI) MRI / MRA	If an insured is admitted or outpatient visits to hospital for treatment of uninsured MRI/MRA treatment
	Personal Liability (Deductible per accident)	Loss occurred by legal liability of reparation against physical damage to others or property damage incurred (20,000 deductible))
	Medical evacuation and repatriation	Expenses of the insured or insured’s legal heir regarding emergency search, airfare, accommodation, evacuation during the insurance period, if foreign students who are enrolled in diplomas and language course encounter following reasons: 1. If the aircraft or vessel on which the insured is boarded is missing or distressed during the trip. ① If an insured die or hospitalized more than 14 days directly from the illness during the trip. (Past personal medical history-related case is exemption) 2. If an insured is distressed during mountain climbing. It is considered as a distress if an insured’s legal heir reports the police or other public organization for insured’s missing after descend due date. 3. If the police or other public organization has confirmed that the emergency search structure has become necessary due to a sudden and accidental outbreak accident during the trip 4. If an insured die within one year of the sudden outbreak accident or was hospitalized for more than 14 days. (Medical transferring is considered as a part of hospitalization period if doctor provides medical necessity)

※ "NOT COVERED" LIST

01. Disease code NOT COVERED

• Cavity, tooth extraction, tooth cleaning, dental service for purpose of whitening (Code: K00~K08)
• Pregnancy and costs related to pregnancy (Code: O00~O99)
• Impotency and complications resulting from artificial insemination (Code: N96~N98)
• Uncovered costs from urological and urinary infection (Code: A50~A64, N39, R32)
• Uncovered costs from anal disease (Code: I84, K60～K62, K64)
• Innate brain diseases (Code: Q00～Q04)
• Mental and behavioral disorder, depression etc. (Code: F04~F99)

02. Other diseases NOT COVERED

• Pre-medical history or chronice disease
• Expenses not related to treatment (supportive tools such as clutch, wheelchair, artificial limb etc.)
• Medical cost for purpose of beautification (plastic surgery and uncovered costs from dermatology)
• Optical surgery for purpose of replacing glasses and contact lens
• All kinds of accidents that take place due to one's intention or alcohol-drinking
• Uncovered costs from oriental treatment
• Expenses for examination, medicine, nursing without doctor's prescription
• Regular medical check-up, vaccination, nutrition supplement etc.
• All other conditions not covered as specified in the insurance contract

Policy Condition(Hyundai) Policy Condition(Meritz)