National health insurance premium refund
National Health Insurance refund refers to the amount incurred in case of mistaken or double payment of insurance premiums, or due to loss of eligibility, reduction or adjustment, etc., even though the charges and notifications were normal.
Refunds generated in this way are collected by the National Health Insurance Corporation and returned to individual and corporate subscribers. It is also possible to easily receive a refund yourself by applying online.
Insurance premium overpayment refund – Amount incurred due to double or mistaken payment of insurance premiums
– Insurance premiums were normally charged and notified, but the amount accrued due to changes in qualifications and adjustments to assessment data.
Table of Contents
National health insurance premium refund
What is National Health Insurance?
How to check National Health Insurance refund amount
What is the out-of-pocket limit system?
Applicable to
Application criteria
Note
National Health Insurance Refund Video
What is National Health Insurance?
It is a social security system managed and operated by the National Health Insurance Corporation with the insurance premiums that citizens usually pay.
When enrolled citizens receive medical treatment for injuries or diseases, insurance benefits are paid to prevent the burden of high medical costs.
Health insurance, which has been in operation since 1977, does not allow individuals to decide whether to subscribe or not, and subscription is mandatory.
Through this, the purpose of the system is to ‘share risks among citizens and jointly resolve medical expenses’ and ensure equal coverage.
national health insurance
How to check National Health Insurance refund amount
Applications for National Health Insurance refunds and National Pension refunds can be made within 3 and 5 years, respectively, from the date of receipt of the payment application form. If this period is exceeded, the application will expire, so applications must be made within the period.
Refund inquiries and applications can be made through the National Health Insurance website or M Health Insurance mobile app, and required documents may be required when applying for a refund.
Please note that a joint certificate is required to log in, so prepare it in advance to use it conveniently.
Apply for health insurance premium refund
National Health Insurance Login
After accessing the homepage, click Login at the top.
National Health Insurance Login
Joint certificate login
Log in through ‘joint certificate login’. If a joint certificate is not registered, you must register a ‘joint certificate’ and only need to register it the first time.
Joint certificate login
National Health Insurance Refund Inquiry/Application
Click ‘Inquiry/Application for Refund’ under ‘Personal Menu Customized for Each Visitor’.
National Health Insurance Inquiry/Application
Refund details
Inquiries can be made immediately, and if there is an unpaid refund, you can check the type, name, billing period, amount, etc. in the details.
Refund details
Apply for refund
Just check the number and amount of refunds and click ‘Apply’.
Apply for refund
What is the out-of-pocket limit system?
This is a system created to relieve the household burden caused by excessive medical expenses. This is a system in which the National Health Insurance Corporation pays the amount that exceeds the individual upper limit among the patient’s accumulated health insurance out-of-pocket expenses. In other words, as a system to relieve the burden of hospital expenses, the excess amount is refunded as ‘National Health Insurance Refund’.
Analyzing the 2021 cap payment details, payments were made to 1.66 million people. Among these, the 1st to 3rd quintiles of the low-income class account for 67.9%, or 1.13 million people. Through this, it can be seen that the out-of-pocket cap system is acting as a medical safety net for low-income people.
Applicable to
All subscribers and dependents who faithfully pay their health insurance premiums are subject to the out-of-pocket limit system. However, the maximum benefit may vary depending on the level of health insurance premiums paid.
Application criteria
The upper limit for each individual is determined by determining quintiles from 1 to 10 according to the monthly premium paid. The higher the income, the higher the out-of-pocket limit.
National health insurance refund inquiry
Note
If you have difficulty using the Internet or mobile phone, please apply through the National Health Insurance Customer Center at 1577-1000.
If you apply for a refund, the unpaid refund will be deposited into the customer’s deposit account at once. If you apply as an agent, you must apply individually for each case.