South Korea Health Insurance (건강보험)
Calculate Korean health insurance: 3.545% employee + 3.545% employer = 7.09% total. Includes long-term care insurance (요양보험) at 0.9182% of health premium.
Monthly Salary
Health Insurance Contributions
Annual Summary
Come utilizzare South Korea Health Insurance (건강보험)
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Health insurance contributions are calculated as a percentage of monthly salary. Enter your gross monthly salary in Korean Won.
Review health insurance contributions
See the 7.09% health insurance split: 3.545% employee + 3.545% employer. Long-term care insurance (요양보험) is also shown separately.
Review long-term care insurance
Long-term care insurance (요양보험) is 0.9182% of health insurance premium — calculated on the health insurance amount, not directly on salary.
Suggerimenti
- Health insurance premiums are deductible for income tax purposes — the employee portion reduces taxable income.
- Family members (dependents) can be registered under an employee's health insurance at no additional premium.
- Self-employed individuals (지역가입자) pay health insurance based on both income and assets (property, vehicles), which can be higher than employee rates.
- If you leave Korea, you are no longer required to pay health insurance, but coverage stops immediately upon departure.
Domande frequenti
What is Korean health insurance (건강보험)?
Korean National Health Insurance (건강보험) is a mandatory universal health coverage system managed by the National Health Insurance Service (NHIS, 건강보험공단). Employees contribute 3.545% of salary, matched by their employer. The premium provides access to subsidized medical care, medications, and hospitalization.
What is long-term care insurance (요양보험)?
Long-term care insurance (장기요양보험) 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+ with limited independence.
Are there minimum or maximum health insurance premiums?
For employee health insurance, there is no official ceiling 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). Very high earners in Korea pay substantial health insurance premiums.
What does Korean health insurance cover?
NHIS covers approximately 60-80% of most medical costs: outpatient visits, hospitalization, surgery, prescription medications, dental (limited), mental health (limited), and rehabilitation. The patient pays a co-payment (본인부담금) of 20-40% depending on the service. Catastrophic illness coverage (중증질환) provides higher subsidies.
How are health insurance premiums adjusted?
Employee health insurance premiums are calculated on the annual salary reported to the NHIS. The previous year's salary is used initially, and adjustments (정산) are made in April after the final year-end salary is confirmed. This can result in a refund or additional charge in April.