Korean for Travel Insurance: Asking 'Does This Cover Medical Expenses?' and Understanding Coverage
Learn to ask whether a travel insurance policy covers medical expenses, understand key coverage terms, and discuss policy details in Korean at an intermediate level.
By SofiaGetting around · Yapr Learn
When traveling in Korea, you may need to confirm whether your insurance covers medical costs. This lesson teaches you how to ask 'Does this cover medical expenses?' in Korean, understand common coverage terms, and discuss policy details. You will practice using the verb 보상하다 (bosanghada, to compensate/cover) and essential vocabulary like 의료비 (uiryobi, medical expenses), 보험 (boheom, insurance), and 보장 (bojang, coverage). By the end, you will be able to ask specific questions about what is covered and what is not, and understand the answers you receive.
By the end, you can…
- ask whether a travel insurance policy covers medical expenses.
- understand and use key insurance terms like coverage, deductible, and exclusions.
- discuss the scope of coverage and ask follow-up questions about specific situations.
Listen once. Try it slowly. Then say it without looking.
Checking available voices…
이 보험은 의료비를 보상해 주나요?
Does this insurance cover medical expenses?
i boheom-eun uiryobireul bosanghae junayo?
Use this to ask directly if medical costs are covered. The verb 보상하다 (bosanghada) means 'to compensate' or 'to cover'.
보장 범위가 어떻게 되나요?
What is the coverage scope?
bojang beomwiga eotteoke doenayo?
Ask this to understand what is included and excluded in the policy.
자기부담금은 얼마인가요?
What is the deductible?
jagibudamgeumeun eolmaingayo?
자기부담금 (jagibudamgeum) refers to the amount you must pay before insurance covers the rest.
응급 치료도 포함되나요?
Is emergency treatment included?
eunggeup chiryodo pohamdoenayo?
Use this to check if emergency care is part of the coverage.
보험금 청구는 어떻게 하나요?
How do I file an insurance claim?
boheomgeum cheongguneun eotteoke hanayo?
Ask this to learn the claims process, especially if you need reimbursement.
Pronunciation guides are approximate. Slow playback keeps the original pitch.
Make it make sense
Useful pattern
To ask whether something is covered, use the pattern '…이/가 보상되나요?' (…i/ga bosangdoenayo?) or '…을/를 보상해 주나요?' (…eul/reul bosanghae junayo?). For example, '의료비가 보상되나요?' (uiryobiga bosangdoenayo?) means 'Are medical expenses covered?' The subject marker 이/가 depends on whether the preceding noun ends in a consonant or vowel. 의료비 ends in a vowel, so use 가. If you want to ask about a specific treatment, say '응급 치료가 보상되나요?' (eunggeup chiryoga bosangdoenayo?). To ask about the scope, use '보장 범위가 어떻게 되나요?' (bojang beomwiga eotteoke doenayo?).
When to use it
Use these questions when reviewing a policy before or during a trip, or when speaking with an insurance agent. For instance, if you are at a hospital and want to confirm coverage, ask '이 치료가 보험으로 보상되나요?' (i chiryoga boheomeuro bosangdoenayo?). If you need to know the deductible, ask '자기부담금은 얼마인가요?' (jagibudamgeumeun eolmaingayo?). When filing a claim, you might say '보험금 청구 서류는 무엇이 필요한가요?' (boheomgeum cheonggu seoryuneun mueosi piryohanayo?) meaning 'What documents are needed for an insurance claim?' These phrases are polite and suitable for formal situations.
Listen to each line, then take one part and reply out loud.
이 보험은 의료비를 보상해 주나요?
Does this insurance cover medical expenses?i boheom-eun uiryobireul bosanghae junayo?네, 응급 치료와 입원비는 보상됩니다. 하지만 자기부담금이 10만 원 있습니다.
Yes, emergency treatment and hospitalization are covered. However, there is a deductible of 100,000 won.ne, eunggeup chiryowa ipwonbineun bosangdoemnida. hajiman jagibudamgeumi simman won itseumnida.그럼 보장 범위에 치과 치료도 포함되나요?
Then, is dental treatment included in the coverage?geureom bojang beomwie chigwa chiryodo pohamdoenayo?아니요, 치과 치료는 보장되지 않습니다. 추가 보험에 가입하셔야 합니다.
No, dental treatment is not covered. You would need to enroll in additional insurance.aniyo, chigwa chiryoneun bojangdoeji anseumnida. chuga boheome gaipasyeoya hamnida.A little context goes a long way
In Korea, insurance policies often have specific exclusions and deductibles. It is common to ask detailed questions about coverage before agreeing to treatment. When speaking with insurance agents or medical staff, using polite language (존댓말, jondaenmal) is essential. Avoid bluntly saying '보상돼?' (bosangdwae?) as it can sound rude; instead use '보상되나요?' (bosangdoenayo?).
One thing to watch for
Using '보험' (boheom) to mean 'coverage' instead of '보장' (bojang).
Try this instead: 보험 means 'insurance' (the product), while 보장 means 'coverage' (what is covered). For example, say '보장 범위가 어떻게 되나요?' (bojang beomwiga eotteoke doenayo?) for 'What is the coverage scope?' not '보험 범위가 어떻게 되나요?' (boheom beomwiga eotteoke doenayo?), which sounds odd.
Your turn
Try answering out loud before checking a possible answer.
1How would you ask 'Is emergency treatment covered?' in Korean?
Show a sample answer
응급 치료가 보상되나요?
This uses the subject marker 가 after 치료 (chiryo, treatment) because it ends in a vowel, and the verb 보상되나요 (bosangdoenayo) meaning 'is covered'. Alternatively, you could say 응급 치료도 보상되나요? (eunggeup chiryodo bosangdoenayo?) to mean 'Is emergency treatment also covered?'
2What does 자기부담금 (jagibudamgeum) mean?
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Deductible
자기부담금 refers to the amount you must pay out-of-pocket before insurance covers the remaining costs. It is a common term in Korean insurance policies.
3How would you ask 'What documents are needed for an insurance claim?'
Show a sample answer
보험금 청구 서류는 무엇이 필요한가요?
This question uses 보험금 청구 (boheomgeum cheonggu, insurance claim) and 서류 (seoryu, documents). The phrase 무엇이 필요한가요? (mueosi piryohanayo?) means 'what is needed?'. You could also ask 보험금 청구에 어떤 서류가 필요하나요? (boheomgeum cheonggue eotteon seoryuga piryohanayo?) with the same meaning.
Always confirm the coverage scope and deductible before relying on travel insurance. Use polite forms like '보상되나요?' to ask about coverage, and remember that 보험 is the policy while 보장 is what it covers.
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