Documents and methods for claiming postal service insurance (documents that can be substituted for medical records)
I have postal insurance in the name of the contractee’s mother and in my name as the insured person.
I don’t usually get sick often, but last week I visited the gynecologist for problems such as vaginitis.
It was a beginner, but it was quite expensive. Afterwards, I filed a claim for actual insurance, and I would like to organize related documents and methods.
1. Claim Documents
In my case, I went to the hospital and received only a simple examination and treatment, and the required documents are as follows. 우체국 실비보험 청구서류
*Required documents for outpatient visit 좋은뉴스
1) Medical certificate
(For checking the disease code/If the cost is burdensome, you can check the disease code with ‘Certificate of Medical Treatment’ or ‘Confirmation of Outpatient Hospital’ or ‘Prescription’)
Example photo of medical certificate
medical certificate photo
2) Receipt of medical bill (required/free)
Medical expense invoice,receipt example photo
Photo of medical bill receipt
3) Detailed statement of medical expenses (required/free)
Example photo of a detailed statement of medical expenses
Photo of detailed calculation statement of medical expenses
The problem is the diagnosis. When I asked for the issuance of a medical certificate, they said it was 20,000 won.
The cost of issuing a medical certificate differs depending on the hospital, and there are hospitals that sell medical certificates, so the cost can be quite burdensome. In the case of a medical certificate, it is a request for issuance to confirm the disease code.
Therefore, it can be replaced with other documents that confirm the disease name code.
Typically, the maximum amount for a medical certificate is 3,000 won, which is cheap, and you can get it issued as a medical certificate instead of a medical certificate. In addition, prescriptions can be issued free of charge, and the disease code is specified on the prescription. It is possible to apply for an insurance claim even if you know only the disease code without any related documents.
At first, I thought I only needed a receipt for the medical fee calculation, so I was issued only that, but later I visited the hospital again and received additional documents.
2. How to claim
Once you have the paperwork ready, you can file your insurance claim. There are 1) visit, 2) mail (fax), 3) Internet, and 4) mobile app. Since the contract holder is in my mother’s name and the insured person is me, the online process was a bit cumbersome, so I visited a nearby post office.
1) In-person visit
You can visit a nearby post office with the relevant documents and ID.
Since the insurance policyholder is in my mother’s name, I visited with my mother’s ID card. (You must know the account number and post it.) Go to the window and present your documents and ID, and they will give you an insurance claim. Fill out the insurance claim form and your application is complete. Alternatively, you can fill out the insurance claim form provided before going to the window and submit it to the window.
For reference, you should visit Post Office 365, which is a financial and insurance business, not a ‘postal handling office’.
Weekdays are from 09:00 to 18:00, and financial-related work is until 16:30, the same as commercial banks!
Insurance claims are usually until 16:30, so please check with the post office before visiting.
2) Mail (fax)
Documents and a copy of the insurance beneficiary’s ID are required. You can also fill out an insurance claim form and send it to us. (The insurance claim form can be downloaded from the post office site.) In fact, it seems that few people proceed with this method. I think it would be better to just visit if it’s a postal application.
3) Internet
To proceed online, the claim amount must be less than KRW 1 million, and the insured and beneficiary must be the same. You must also have a certificate of authenticity. You can proceed through the ‘Insurance claim’ item on the site.
https://www.epostbank.go.kr/
Post Office Deposit Post Office Insurance
www.epostbank.go.kr
In my case, the insured person and the beneficiary are different, and because of the hassle of having to get a new certificate issued, I just proceeded with a visit. If you often use the post office service and receive a lot of actual expenses, you may feel comfortable using the Internet service.
4) Mobile App
If the insured and the beneficiary are the same or the insured and the beneficiary are different, the claim amount must be less than KRW 3 million.
(If the amount exceeds KRW 3 million, a visit to the post office is required)
post office insurance mobile app picture
post office insurance mobile app picture
You can easily proceed by taking a picture of your mobile phone identity verification, required documents, etc. and uploading them.
I’m going to try this method next time too!
3. Completion of claim
Claims are simple if you have the relevant documents ready. Once your claim is complete, your insurance money will be credited within 3 business days. For related inquiries, please contact Postal Insurance at 15999-0100 (weekdays 09:00-18:00). If you call and ask for documents, we will organize the contents and send you a text message, so you can refer to it.
Postal information regarding insurance claim documents
Postal insurance claim information text message