{"content_id":"nf8acfot14","slug":"medical-expense-insurance-overseas-coverage-rules","images":[{"id":1902,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjkzMjYsInB1ciI6ImJsb2JfaWQifX0=--c3e6cb5d78fd5a81a9b446d065b68b574ef9ea14/ai-8b55db05.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"병원 진료실에서 의료진이 파란 여행 가방 옆에 앉은 남성의 팔 붕대를 확인한다.","caption":"해외 치료비는 표준화 실손보험으로 보장되지 않으므로 별도 보험의 보장 여부를 확인해야 합니다.","description":null},"en":{"alt":"A clinician checks a man's forearm bandage in an exam room beside his blue suitcase.","caption":"Standardized medical expense insurance does not cover overseas treatment, so check for separate coverage.","description":null},"ja":{"alt":"診察室で、青いスーツケースのそばに座る男性の腕の包帯を医療従事者が確認している。","caption":"標準化された実損医療保険は海外での治療費を保障しないため、別の保険の保障を確認する必要があります。","description":null},"es":{"alt":"Una profesional sanitaria revisa el vendaje del antebrazo de un hombre junto a su maleta azul en una consulta.","caption":"El seguro estandarizado de gastos médicos no cubre la atención en el extranjero; conviene verificar otra cobertura.","description":null},"id":{"alt":"Tenaga medis memeriksa perban di lengan pria yang duduk di samping koper biru di ruang periksa.","caption":"Asuransi biaya medis standar tidak menanggung perawatan di luar negeri, jadi periksa perlindungan terpisah.","description":null},"pt":{"alt":"Uma profissional de saúde examina o curativo no braço de um homem ao lado de sua mala azul.","caption":"O seguro padronizado de despesas médicas não cobre tratamentos no exterior; verifique se há cobertura separada.","description":null},"zh-hant":{"alt":"診療室裡，醫護人員查看坐在藍色行李箱旁的男子手臂上的繃帶。","caption":"標準化實支實付醫療保險不保障海外醫療費用，應確認是否另有保障。","description":null},"de":{"alt":"Eine medizinische Fachkraft prüft den Verband am Unterarm eines Mannes neben seinem blauen Koffer.","caption":"Die standardisierte Krankheitskostenversicherung deckt Behandlungen im Ausland nicht ab; prüfen Sie einen separaten Schutz.","description":null}}},{"id":1903,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjkzMzIsInB1ciI6ImJsb2JfaWQifX0=--69a4c7a0fc4e621ca9e0fd47d40f63aea9f59bc1/ai-6e4243b8.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"발목 보호대를 착용한 여성이 물리치료사의 도움을 받으며 재활 보행 연습을 한다.","caption":"귀국 후 국내 치료비가 여러 실손 보장에 겹치면 보험사들이 약관에 따라 나누어 지급합니다.","description":null},"en":{"alt":"A woman wearing an ankle brace practices walking between therapy rails with a physiotherapist's help.","caption":"If multiple policies cover treatment after returning home, insurers divide the payment under their policy terms.","description":null},"ja":{"alt":"足首に装具を着けた女性が、理学療法士に支えられながら平行棒の間で歩行練習をしている。","caption":"帰国後の国内治療費が複数の実損保険で補償される場合、保険会社は約款に従って分担して支払います。","description":null},"es":{"alt":"Una mujer con una tobillera practica la marcha entre barras de rehabilitación con ayuda de una fisioterapeuta.","caption":"Si varias pólizas cubren el tratamiento tras el regreso al país, las aseguradoras reparten el pago según sus condiciones.","description":null},"id":{"alt":"Seorang perempuan berpenyangga pergelangan kaki berlatih berjalan di antara palang terapi dengan bantuan fisioterapis.","caption":"Jika biaya perawatan setelah pulang ditanggung beberapa polis, perusahaan asuransi membagi pembayaran sesuai ketentuan polis.","description":null},"pt":{"alt":"Uma mulher com tornozeleira pratica a marcha entre barras de reabilitação com a ajuda de uma fisioterapeuta.","caption":"Se várias apólices cobrirem o tratamento após o regresso ao país, as seguradoras dividem o pagamento conforme os contratos.","description":null},"zh-hant":{"alt":"一名戴著腳踝護具的女子在物理治療師協助下，扶著復健扶手練習走路。","caption":"返國後的國內治療費若由多份實支實付保險承保，保險公司會依條款分攤給付。","description":null},"de":{"alt":"Eine Frau mit Sprunggelenkbandage übt zwischen Gehbarren das Gehen, unterstützt von einer Physiotherapeutin.","caption":"Decken mehrere Policen die Behandlung nach der Rückkehr ab, teilen die Versicherer die Zahlung gemäß den Vertragsbedingungen auf.","description":null}}},{"id":1904,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjkzMzgsInB1ciI6ImJsb2JfaWQifX0=--61a2e068781b74fda60f7241c1b3bec240567b79/ai-b9630d6e.webp","is_representative":false,"generation_method":"ai_infographic","license":"ai_generated","mime_type":"image/webp","width":1024,"height":1536,"visible_locales":["ko"],"translations":{"ko":{"alt":"해외 병원비 보장 제외, 여행자보험 확인, 1세대 약관, 귀국 후 비례보상, 장기 해외 체류 시 보험료 환급을 안내하는 인포그래픽","caption":"해외에 연속 3개월 이상 체류했다면 실손보험료 환급 대상인지 확인할 수 있습니다.","description":null},"en":{"alt":"Infographic on overseas medical coverage, first-generation policy terms, treatment after returning home, and premium refunds","caption":"After three or more consecutive months abroad, check whether you qualify for a medical insurance premium refund.","description":null},"ja":{"alt":"海外医療費の保障、第一世代の約款、帰国後の治療費、長期滞在時の保険料還付を示す図解","caption":"海外に連続して3か月以上滞在した場合は、実損医療保険料の還付対象か確認できます。","description":null},"es":{"alt":"Infografía sobre cobertura médica en el extranjero, pólizas antiguas, tratamientos al regresar y reembolsos de primas","caption":"Si permaneciste en el extranjero al menos tres meses seguidos, comprueba si puedes solicitar un reembolso de la prima.","description":null},"id":{"alt":"Infografik tentang biaya medis di luar negeri, ketentuan polis lama, perawatan setelah pulang, dan pengembalian premi","caption":"Jika tinggal di luar negeri selama tiga bulan berturut-turut atau lebih, periksa apakah premi asuransimu dapat dikembalikan.","description":null},"pt":{"alt":"Infográfico sobre cobertura médica no exterior, apólices antigas, tratamento após o retorno e reembolso de prêmios","caption":"Após três meses consecutivos ou mais no exterior, verifique se você tem direito ao reembolso do prêmio do seguro.","description":null},"zh-hant":{"alt":"說明海外醫療保障、第一代保單條款、返國後治療及長期旅居保費退還的資訊圖","caption":"若連續在海外停留三個月以上，可確認是否符合實損醫療保險的保費退還資格。","description":null},"de":{"alt":"Infografik zu medizinischer Versorgung im Ausland, älteren Vertragsbedingungen, Behandlung nach der Rückkehr und Beitragsrückerstattung","caption":"Wer mindestens drei Monate ununterbrochen im Ausland war, kann prüfen, ob eine Erstattung der Versicherungsbeiträge möglich ist.","description":null}}}]}