Understanding Korea’s National Health Insurance for Foreigners
We provide a comprehensive guide to the procedures, costs, and exemption rules of Korea’s National Health Insurance for foreigners and overseas Koreans staying long-term. Learn how automatic enrollment works, what documents to prepare, how fees are calculated, and how to avoid confusion and penalties early in your stay. π―
When You’re Automatically Enrolled
Foreigners and overseas Koreans staying in Korea for more than 6 consecutive months must enroll in the National Health Insurance. To qualify, you must not leave Korea for more than 30 days within that 6-month period.
Some visa holders, such as students (D-2) and marriage migrants (F-6), are automatically enrolled right after foreigner registration. Others are automatically enrolled once the 6-month mark is reached, managed by the National Health Insurance Service (NHIS).
Essential Documents to Prepare
To register for health insurance, prepare both the original and translated versions of the following documents:
| Category | Required Documents |
|---|---|
| Identification | Alien Registration Card, Valid Visa |
| Residency Status | Certificate of Residence Status, Immigration Record, etc. |
| For Exemption | Proof of Enrollment in Foreign Insurance |
You can apply through the NHIS website, by mail, or by visiting a local office.
Insurance Costs for Foreigners
As of 2025, the average insurance premium for regional foreign subscribers is approximately 110,000 KRW, including long-term care insurance.
While actual costs may vary based on income and assets, you must pay at least the average premium even if your calculated rate is lower.
| Item | Estimated Cost | Note |
|---|---|---|
| Health Insurance | Approx. 110,000 KRW | Includes long-term care |
| Penalty for Delinquency | Full medical expenses & possible visa issues | Reported by NHIS |
What If You’re Not Enrolled
If you’re eligible but haven’t received your insurance card or invoice, visit your nearest NHIS branch or a foreigner service center to report the issue.
If you want to include your family in the coverage, a separate family registration process is required, and must be done in person.
How to Apply for Exemption
If you are covered by a health insurance plan from your home country or a third country, you may apply for exemption to avoid double payment.
Be sure to prepare proof of foreign insurance coverage and clearly state your reason for exemption. Your application will be reviewed by NHIS, and the result will be notified to you.
Common Questions Answered
“I just arrived on a student visa. Am I automatically enrolled?”
Yes. D-2 visa holders are automatically enrolled once you receive your Alien Registration Card. Wait for your documents via post.
“Iβm here short-term. Do I need to register?”
No. Those staying less than 6 months are not required to enroll. You may also apply for exemption in some cases.
“I already have foreign insurance. Do I still need to pay?”
No. Submit your documents and apply for exemption. Once approved, you are not required to pay.
Use Dedicated Foreigner Support Services
Call the NHIS foreigner hotline (1577-1000, press 7) for multilingual, real-time support. π£οΈ
If you’re having trouble with online application, visiting the local branch is often faster, especially for complex cases. Staff can guide you through the steps directly.