Health Insurance Calculator 2026 - South Korea
Calculate Korean health insurance: 3,545% employee + 3,545% employer = 7.09% total. Includes long-term assistance insurance equal to 0.9182% of the premium.
Monthly Allowance
Health Insurance Contributions
Annual Summary
Come utilizzare Calcolatore Assicurazione Sanitaria 2026 - Corea del Sud
Insert your monthly salary
Contributions to health insurance are calculated as a percentage of your monthly salary. Enter your gross monthly income in Korean won.
Verify contributions for health insurance
Check the breakdown of 7.09% of health insurance: 3.545% employee + 3.545% employer. Long-term assistance insurance is also shown separately.
Verify insurance for long-term assistance
Long-term assistance insurance is equal to 0.9182% of the premium, calculated on the amount of health insurance and not directly on salary.
Suggerimenti
- Tax insurance premiums are deductible for income tax purposes: the employee's share reduces taxable income.
- Family members on charge can be registered under an employee's health insurance without extra premium.
- Self-employed workers pay health insurance based on both income and assets (real estate, vehicles), which can be more burdensome than the employee quotas.
- If you leave Korea, you are no longer required to pay for health insurance, but coverage ends immediately upon departure.
Domande frequenti
What is Korean Health Insurance?
Korean National Health Insurance is a mandatory universal health coverage system managed by the National Health Insurance Service. Employees pay 3.545% of their salary, which is matched by their employer. The premium offers access to subsidized medical care, medications, and hospitalization.
What is Long-Term Care Insurance?
Long-term care insurance is a separate mandatory contribution for elderly care services. The rate is 0.9182% of the health insurance premium (not salary). This covers home care services, nursing facilities, and other long-term care needs for people aged 65+.
Are there min or max health insurance premiums?
For employee health insurance, there is no official cap on the salary base, unlike national pension. The minimum monthly health insurance premium for any household is approximately ₩19,780 (2024, the minimum premium floor). High-earning individuals in Korea pay significant health insurance premiums.
What does Korean health insurance cover?
NHIS covers approximately 60-80% of most medical costs, including outpatient visits, hospitalization, surgery, prescription medications, dental care (limited), mental health services (limited), and rehabilitation. Patients pay a co-payment (co-insurance) of 20-40%, depending on the service. Catastrophic illness coverage provides higher subsidies.
How are health insurance premiums updated?
Employee health insurance premiums are calculated based on the annual salary reported to NHIS. The previous year's salary is used first, with any necessary adjustments made in April following confirmation of the final year-end salary.