Korean national health insurance everything you need to know about it diskop
Kworld Trend / Korean national health insurance everything you need to know about it diskop
Korean national health insurance everything you need to know about it diskop
Students must have health insurance coverage if they are registered as full-time students at GIT. As of March 1, 2021, the Korean government has passed a new law that foreign students residing in Korea with a valid D-2 student visa are subject to compulsory participation in the Korean National Health Insurance as of March 1, 2021. You can see more information regarding the guidance available in the attachment here: GIT- Mandatory subscription to NHIS notice.
However, you cannot apply for Korean National Health Insurance until your foreigner registration information has been registered in the system. It usually takes at least one month to receive your Alien Registration Card (ARC) after applying.
All GIT students must send proof of health or traveler’s insurance to the GIT office. ([email protected]) If you cannot prove your health insurance coverage when you come to GIT, your offer of admission may be revoked.
NHIS Guide for International Students (Updated November 2022)
National health insurance exclusion request
1) Please check with NHIS for detailed exemption conditions.
2) Required Document: Documents proving the availability of a medical guarantee, such as membership exclusion requests, insurance certificates, etc.
France: Application for exclusion (exclusions after verification of nationality)
– Japan: Japanese Health Insurance Card, Exclusion Application
– USA: Unified Card or Blue Cross Blueshield Insurance Card, Exclusion Application
※ For documents in foreign languages, you can provide the original and Korean translation number together (Notarization of translation and Apostille Certificate is not required.)
※ If you want to apply for a subscription exception, please contact NHIS (tel. 1577-1000) first and prepare documents.
Differences with private health insurance
- Immediate Coverage: The insured is not required to claim benefits after receiving treatment.
- Number and amount of benefits: The number and amount of benefits is unlimited. * Beneficiaries pay part of the medical expenses.
- Co-Payment Cap Scheme: The upper limit of partial co-payments divided into seven tiers applies to the insured depending on his/her income level. Refunds are made on the annual overhead leverage.
- Support for pregnancy and childbirth expenses: A card (National Haengbok Card) is provided for treatment related to pregnancy and childbirth and for the purchase of prescribed medicines and items. The application for the card can be submitted at NHIS branch offices or the financial institution.
Registration processes
- No action is required from the students, as they are automatically subscribed to health insurance by NHIS.
- Proof of participation and NHIS card are sent to your residence address in Korea.
- *However, if you fall under the following condition, you must visit the nearest NHIS branch office.
- (Visit the NHIS Center for Foreign Residents with Jurisdiction over your Residential Address if you reside in Seoul, Gyeonggi-do, or Incheon)
- You wish to make contributions for your family as a group (including your spouse and minor children)
- A Korean student or international student abroad (F-4 visa holder) studying in Korea.
- You would like to report changes, such as place of residence, passport or visa number.
*If you receive medical coverage equivalent to Medicare benefits under foreign laws, foreign insurance, or under a contract with your employer, you can apply for a contribution waiver.
Family subscription and required documents:
- Family subscription application
- Scope of family members: Spouse and children under the age of 19 (resident at the same address in Korea).
- Documents proving the family relationship
- Obtain a certificate of family relations (or marriage).
- Obtaining the document certified by the Ministry of Foreign Affairs abroad or an apostille.
- Translate and notarize the document into Korean.
Insurance benefits
Korean health insurance covers the whole population living in the country. Insurance benefits are medical services provided for the insured in the case of injuries, childbirth, health promotions, rehabilitations, or preventions of diseases. NHIS gives service benefits or cash benefits. The Korean health insurance service imposes insurance contributions differently on the insured depend on his/her level of wealth, but it provides insurance benefits equally to all the insured.
| Insurance
Benefits |
Benefits in kind | – Health Care Benefits – Health Checkup |
| Benefits in cash | – Compensation for Excessive Co-payment
– Reimbursement of expenses exceeding one’s co-payment ceiling the disabled |
Co-Payment
| The Co-Payment | Co-Payment | |
| Inpatient | 20% of total treatment cost
(Registered cancer patients 5%, Registered rare/incurable diseases patients 10%) |
|
| Outpatient | Higher level general hospital Tertiary Hospital |
60% of total treatment cost and other expenses |
| General Hospital | 50% (administrative district: Dong),
45% (administrative district: Eup, Myeon) of total care benefit expenses |
|
| Pharmacy | 40% (administrative district: Dong).
35% (administrative district: Eup, Myeon) of total care benefit expenses |
|
| Hospital | 30% of total care benefit expenses | |
| Clinic | 30% of total care benefit expenses |
Additional Benefits
NHIS can subsidize medical service expenses for pregnancy, childbirth and infants treatment
Eligible persons : a policy holder or his/her dependent whose pregnancy is verified by a doctor
Subsidized Expenses: KRW 600,000 per pregnancy and delivery
Non-Benefits
A drug, medical substance, or medical service that is provided or used for a disease that does not seriously affect the patient’s daily life.
Medicine, medicinal substances, or medical services that do not improve basic bodily functions.
Example) Plastic surgery, treatment of freckles, and treatment of snoring.
Exception: the case of reconstructive surgery for a burnt face)
