h-well National Health Insurance Service

Acquisition of Eligibility

The Employed insured

1. Overview

   Foreigners and overseas Koreans residing and working at the insured company are compulsorily subscribed. It is possible to apply for exclusion in case of being secured with medical care corresponding to health insurance benefit in accordance with foreign regulation, insurance, a contract with the employer

2. Subject

   Foreigners who registered to the Immigration Office or overseas Korean

   • Persons who work at the workplace where the national health insurance covered
   • Persons employed or appointed as public officials, teachers or school staff members of private school

     A self-employed person employing a foreign worker must submit to the NHIS the report of the acquisition of the employee insured eligibility including a workplace and users (both employer and employee) voluntarily.

3. Exclusion of health insurance application by overseas-based Koreans and foreigners
   1. Applicable Act : enforcement decree of the national health insurance act article 76 & enforcement regulation of the same law article 61
   2. Target Subject: Among overseas Korean nationals and foreigners who are the employee insured, the persons described below may apply
      • When the insured proves to get medical benefits equivalent to the medical care benefit based on foreign acts or foreign insurance
      • When the insured proves to get medical benefits equivalent to the medical care benefit based on a contract with the employer
   3. Date of Loss of Eligibility: when submitting the “Employee Health Insurance Withdrawal Application” form within 14 days of the date when acquisition of eligibility was reported, the date of acquisition of eligibility becomes the date of loss of eligibility
   4. Application Form: “Employee Health Insurance Withdrawal Application” form and relevant documentary evidence
   5. Application Method : In case a foreigner and overseas Korean nationals are subject to the exempted application, the user shall submit reporting form of eligibility for the employee insured to NHIS with the attachment of following form of documents to the declaration of disqualification in a company member

The Self-employed insured

1. Overview
   1. Any foreigner or overseas Korean who has stayed in Korea for over six months is subject to mandatory subscription to health insurance(From July 16, 2019)
2. Subject
   1. People who have sojourn qualification based on rule annex 9 among those who have registered as foreigners based on immigration control act article 31
   2. A person who has reported on his/her place of residence in Korea under Article 6 of the Act on the Immigration and Legal Status of Overseas Koreans
   3. Overseas Korean nationals who registered the address in accordance with the citizen registration act, article no 6

Dependents of the insured

1. Overview

   Dependents of the insured persons refer to those who are supported mainly by the employee insured and whose income or property falls below the standards prescribed by Ordinance of the Ministry of Health and Welfare.

2. Subject

   Criteria for recognition of dependent status

   Criteria for recognition of dependent status

   Income Requirements	A business registrant with no business income No business registration and annual business income of less than 5 million KRW Total of all income (business, financial, pension, earned and other income) less than 20 million KRW per year If the dependent is married, both of the couple must meet the income requirements Housing rental income earners are excluded if they have any income regardless of business registration Disabled and those eligible for compensation for national merit or veterans must have an annual income of 5 million KRW or less, regardless of business registration
   Property Requirements	One’s property tax base must be less than 540 million KRW If the property tax base exceeds 540 million KRW and is less than 900 million KRW, the annual income must be 10 million KRW or less. The property tax base must be 180 million KRW or less in the case of a sibling Types of property: land, buildings, houses, ships, aircraft
   Dependency Requirements	The spouse of the employed insured Lineal ascendants of the employed insured (including lineal ascendants of the spouse of the employed insured person) Direct descendants of the employed insured (including direct descendants of the spouse of the employed insured) and his/her spouse Those “unmarried” siblings who meet the income and property requirements and are over 65 years old or under 30 years old, disabled, or eligible for national merit or veterans compensation, etc. Different standards apply depending on whether or not they cohabitate

3. Required documents for obtaining dependent status
   • 1 copy of dependent qualification (acquisition/loss) report
   • Documents to be submitted in the case of common-law marriage (dependents) (contact the jurisdiction branch office)
     1. 1 copy of common-law marriage relationship guarantee
     2. 1 copy of the family relationship certificate of both parties in common-law marriage
     3. 1 copy of each guarantor's (Korean nationals excluding foreigners and overseas Koreans) ID card
     4. Common-law marriage notarization or official data (court judgments (including decisions and orders) based on 'confirmation of the existence of a de facto marital relationship' are, in principle, also recognized as decision data of the government establishment committee)
   • Documents to be submitted by foreigners and overseas Koreans (dependents)
     1. Alien registration card or domestic residence report card
     2. A document (or notarized document) issued by a foreign government or other competent authority confirming the family relationship or marriage/divorce from the date of obtaining dependent status confirmed by the Ministry of Foreign Affairs (or Apostille) of the relevant country or a document issued or confirmed by an institution recognized by NHIS and dated within 9 months from the date of issuance or confirmation by the Ministry of Foreign Affairs (Apostille)

        At least two pieces of personal information, such as the name and date of birth, must be included so that NHIS can confirm the qualification of the person seeking to become a dependent and his/her relationship with the employee insured.

     3. A Korean translation notarized by a notary public institution containing the contents of the document if it is not written in Korean.
        • If the documents are translated and notarized in the same country where they were issued, confirmation by the Ministry of Foreign Affairs (or Apostille) is required in addition to the original documents being submitted.

   The employed-insured(foreigners) may omit submitting the documents when registering their family members, previously acknowledged as their dependents, within 3 months from the date of their eligibility loss as dependents.

Contributions

The Employee insured

Contribution for the employee insured is calculated by multiplying the monthly wage and contribution rate.

Monthly Contribution = Monthly Wage X Contribution Rate
Contribution is paid by the employee insured (50%) and the employer (50%).
Contribution is paid by deducting withholding tax from the salary and applied retroactively at the time of employment.

The Self-employed insured

Contribution = Contribution score X Value per score (KRW)

• The method is same as local resident’s
  • If the calculated insurance fee is less than the average fee, the average insurance fee levied.

Applicable types of visa

D-1 (culture and arts), D-2 (study abroad), D-3 (industrial training), D-4 (general training), D-5 (coverage), D-6 (religion), D-7 (sojourn), D-8 (corporate investment), D-9 (trade management), D-10 (job search), E-1 (professor), E-2 (speaking supervision), E-3 (research), E-4 (technical supervision), E-5 (specialized jobs),
E-6 (artistic run), E-7 (specific activity), E-9 (non-professional employment), E-10 (crewman employment),
H-1 (working holiday), H-2 (visiting employee), G-1 (other), F-1 (visiting cohabitation), F-2 (residential), F-3 (accompany), F-4 (foreigner), overseas Koreans

• Foreigners permanently residing in the country.
  • Calculation of contribution : the method is same as that of local resident’s
  • Visa types : permanent residence (F-5), marriage immigrants (F-6)
• Reduction of insurance fee
  • D-6(religion), G-1-6(humanitarian status), G-1-12(dependents of the G-1-6): 30%
  • F-4(Overseas Korean student), Korean National student, D-2(Student), D-4(General Training) visa holders as follows

    visa holders

    Duration	2021.3. ~ 2022.2.	2022.3. ~ 2023.2.	2023.3. ~
    Reduction Rate	70%	60%	50%

    However, the household which consist of only minors is excluded from the reduction policy.

  • Persons who live on an island or in remote area, defined and identified in the publication written by the Minister of Health and Welfare: 50%
  • Persons who live in a farming/fishing village, or quasi-farming/fishing village, defined and identified in the Article 46(2) of ------Enforcement Rule of NHI Act: 22%
  • Farmers and fishermen who live in a farming/fishing village or quasi-farming/fishing village: 28%

    However, in the case of D-2, D-4, F-4 visa-holders, the contribution rate discount rate will be applied accordingly.

• If you want to pay the monthly contribution as a family unit, you must submit a document that proves your family relations, such as a marriage certificate and request NHIS for collectively issuing a month contribution bill for all family members.

  In the case of household, it should meet the following criteria,
  - whose annual income is less than KRW 3.6 million and the standard asset value is less than KRW 135 million,

Insurance Benefit

Types of Insurance Benefits

National Health Insurance for foreigners has the same coverage as it does for the Korean citizens

• Preventing, diagnosing, treating, or rehabilitating the insured or their dependents’ diseases or injuries
• In childbirth, death, and health promotion