For foreigners living in Korea, navigating the healthcare system and enrolling in health insurance can seem complicated. But don’t worry! This guide will break down everything you need to know about hospital visits and health insurance enrollment in Korea, so you can easily access medical services and stay covered
1. How to Use Hospitals in Korea: Health Insurance Enrollees vs. Non-Enrollees
Preparation Before Visiting a Hospital
Before heading to the hospital, the key things to consider are whether you have health insurance and which hospital to choose. If you’re enrolled in health insurance, your medical costs will be lower, and choosing the right type of hospital (general hospital, clinic, etc.) will help you get the care you need.
For Health Insurance Enrollees
If you’re enrolled in health insurance, you’ll benefit from discounted medical costs. The process of visiting a hospital is fairly simple:
- Hospital Reservation: You can either make a reservation or visit without one.
- Reception: When you arrive, provide your health insurance card and ID to register.
- Consultation & Treatment: You’ll receive a consultation and any necessary treatments.
- Payment: After applying insurance, you’ll only pay the remaining amount.
For Non-Health Insurance Enrollees
If you don’t have health insurance, you’ll need to pay the full cost of treatment. Make sure to confirm the cost before visiting:
- Hospital Reservation: Make a reservation before visiting if necessary.
- Reception: Inform the hospital that you don’t have insurance.
- Consultation & Treatment: You’ll be responsible for the full cost.
- Payment: You’ll need to pay for the treatment in full.
2. How to Enroll in Health Insurance in Korea (Yes, Foreigners Can Join!)
Foreigners can enroll in Korean health insurance, even if they’re not employed. Whether you're self-employed, a student, or not working, you can still join by registering as a local subscriber with the National Health Insurance Service (NHIS).
For Employed Foreigners (Employee Health Insurance)
If you’re employed, you’ll be automatically enrolled in health insurance. Premiums are deducted from your salary by your employer, and both you and your employer share the cost.
For Non-Employed Foreigners (Local Health Insurance)
Even if you’re not working, you can still join as a local subscriber. Self-employed foreigners or students can visit the NHIS office or apply online.
- Visit NHIS: You can visit a local NHIS office to apply and submit the required documents.
- Online Enrollment: You can also enroll online via the NHIS website or mobile app.
- Premium Payment: You will need to pay monthly premiums, which can be done via mail invoices or automatic bank transfers.
Health Insurance Enrollment for Students & Temporary Residents
Students and temporary residents can also enroll in health insurance, either through their school or by visiting the NHIS office.
Useful Links
- NHIS Official Website: https://www.nhis.or.kr
- Health Insurance Guide for Foreigners: https://www.nhis.or.kr/guide
- Health Insurance Benefits : Insurance Benefit < Long-Term Care | 영어 사이트
Conclusion
Using hospitals in Korea can be simple once you understand whether or not you have health insurance. Even if you’re not employed, foreigners can still enroll in health insurance and enjoy the benefits of reduced medical costs. This guide has provided you with the basics of hospital visits and health insurance enrollment, making it easier for you to navigate the Korean healthcare system. Stay covered, and make the most of your medical benefits!