Can non-immigrants enjoy Korean medical insurance? Detailed explanation of Korean medical insurance system

Work unit insured object:

When staying in Korea, as a foreigner working in the work unit that the insured applies for, the person who is registered as a foreigner according to Article 3 1 of the Entry-Exit Administration Law becomes the insured subject to the National Health Insurance Law, regardless of Article 5 of the National Health Insurance Law (Article 2 109 and Article 76 of the Implementation Order of the National Health Insurance Law).

Regional insured object:

Foreigners who are registered as foreigners according to Article 3 1 of the Entry-Exit Administration Law, who are eligible for residence according to Schedule 9 of the Implementation Rules of the National Health Insurance Law, or who are declared to stay in Korea according to Article 6 of the Law on Entry-Exit and Legal Status of Overseas Compatriots, are not eligible for insurance in their work units, and have lived in Korea for more than three months or will live for more than three months due to study abroad, employment and other reasons. If I apply to the National Health Insurance Company, I can become the insured to which the National Health Insurance Law applies (Paragraph 2 of Article 76 of the Enforcement Order of the National Health Insurance Law and Paragraph 2 of Article 6 1 of the Enforcement Rules of the National Health Insurance Law).

According to the Foreign Investment Promotion Law, the necessary professionals who want to work in the fields of operation, management, production and technology of foreign-invested enterprises have enterprise investment qualification (D-8), and the spouses of those who meet the enterprise investment qualification (D-8) and children under the age of 20 without spouses have accompanying qualification (F-3) (Article 2 of the Foreign Investment Promotion Law, Detailed Rules for the Implementation of the Foreign Investment Promotion Law) ※

2. Qualification period and insurance method

Work unit insured object:

Foreigners obtain the insured qualification of the work unit from the date when the insured of the work unit is hired by the work unit. [Applicable standards of health insurance for foreigners and foreigners staying in foreign countries for a long time (Notice No.20012004 of the Ministry of Health and Welfare). 20 1 2-110,2012.8.31.0, released, 20 12.9.65438+) He should attach a copy of the foreigner's registration certificate or the foreigner's registration fact certificate to the declaration form for obtaining the qualification of the insured in the workplace (Annex 6 of the detailed rules for the implementation of the National Health Insurance Law) and submit it to the National Health Insurance Company (National Health Insurance Company) within/0/4 days from the date when the foreigner becomes the insured in the workplace.

Regional insured object:

According to the foreigner's own application, after entering Korea for three months (it is clear that those who have lived in Korea for more than three months will enter the country), they will be eligible for regional insurance [applicable standards for health insurance for foreigners and long-term residents (Ministry of Health and Welfare No. 20 12- 1 10, 20 12.8)

If foreigners want to obtain the qualification of regional insured persons, they must attach a copy of the registration certificate of foreigners, 65,438+0 copies of the registration facts of foreigners and 65,438+0 copies of the materials required to be submitted according to the detention qualification (Annex 65,438+00 of the Detailed Rules for the Implementation of the National Health Insurance Law) to the declaration form for obtaining the qualification of regional insured persons, and submit them to the National Health Insurance Corporation. However, according to Article 96 of the National Health Insurance Law, legal persons can confirm the declaration of Korean address, the fact of registration of foreigners and the necessary matters of insurance premium payment through information obtained from the state and other places, without attaching corresponding information. (Paragraph 3 of Article 6 1 Implementing Rules of the National Health Insurance Law).

3, insurance payment standards and collection methods

The provisions of Articles 69 to 86 of the National Health Insurance Law shall apply to the payment and collection of the insurance premium of the insured in the work unit. Ministry of Health and Welfare 2012-10, No.20 12.8.36438. 20 12.9. 1. Implementation) Article 6, paragraph 1], and the monthly insurance premium of the insured in the work unit is as follows (Article 69, paragraph 4, of the National Health Insurance Law).

Monthly salary insurance:

The monthly salary insurance premium refers to the calculation of the insurance premium based on the salary obtained by the insured in the work unit. If the monthly salary is less than 280,000 won, it will be 280,000 won. When the monthly income exceeds 7865438+ million won, it will be calculated as 7865438+ million won. (Item 1 in Item 4 of Article 69 of the National Health Insurance Law and Item 1 in Item 32 of Article 70 of the Implementation Order of the National Health Insurance Law).

The monthly salary insurance premium is the monthly salary multiplied by the insurance premium rate of 580/ 10000. However, when working abroad, it is calculated according to the insurance premium rate of the insured's domestic work unit of 65438+50/000 (Article 73, paragraphs 1 and 2 of the National Health Insurance Law and Article 44, paragraph 1 of the Implementation Order of the National Health Insurance Law).

Monthly income insurance premium:

Monthly income means that the income of the insured in the work unit excluding the salary calculated by the monthly salary exceeds 72 million won a year, which is calculated as income excluding wages. When the monthly income exceeds 7,865,438+million won, it is calculated as 7,865,438+million won (Article 69, Paragraph 4, Item 2, Article 7 1 of the National Health Insurance Law).

The monthly income insurance premium is the monthly income multiplied by 50% of the monthly wage insurance premium rate (Article 69, Paragraph 4, Paragraph 2 of the National Health Insurance Law).

Insurance premium collection procedures for regional insured:

The insurance premium payment standard of the regional insured is as follows [Article 6, paragraph 2, applicable standard of health insurance for foreigners and foreigners staying in foreign countries for a long time (notice no. Ministry of Health and Welfare 2012-110)].

Insurance premium for foreigners who can control their own income (salary) [detention qualification: D-8 (enterprise investment), etc. 】 when deducted from the monthly salary, it is calculated according to the insurance rate of the insured person in the work unit; If the income (salary) of insurance premium cannot be grasped or the income (salary) calculated by insurance premium is lower than the insurance premium of each household at the end of last year in this area, the second standard shall be applied to calculate the insurance premium.

Insurance premium for foreigners who have no income (salary) or have difficulty in grasping income (salary) [detention qualification: F-3 (escort), etc. ] Based on the average premium of regional insured at the end of last year.

Insurance premium for foreigners permanently residing in Korea [Residence qualification: F-5 (permanent residence), etc. ] Calculated according to the same standard as the insured in Korea.

Insurance premium collection of regional insured:

The insurance premium of the regional insured shall be levied on a monthly basis, and the insurance premium of the regional insured in that month shall be paid before the 25th of last month. In this case, the insurance premium arising from retroactive qualification will be merged into the insurance premium originally notified, so as to pay and collect [applicable standards for health insurance for foreigners and foreigners in China for a long time (notice no. Ministry of Health and Welfare 2012-10, No.20 12.8.365438+]

As a foreigner permanently residing in Korea, the person who has obtained the status of regional insured shall pay and collect the insurance premium in the same way as the insured in Korea [Article 6, Item 5, Applicable Standards for Health Insurance for Foreigners and Foreigners with Long-term Residence in Korea (Notice No.2012-165438 of the Ministry of Health and Welfare)].