Insurance Claim Assistant
Check the required documents for each claim type,
and copy English templates for guidance.
What are Insurance Claim Documents?
In South Korea, insurance claims (medical reimbursement) require
specific certificates from the hospital. Common documents include
Medical Receipts, Detailed Statements, and Diagnosis Certificates. Most claims
under 1M KRW can be filed via mobile apps using photo
uploads.
Select Claim Type
- • For Silson claims over 100k KRW, a Detailed Statement (세부내역서) is mandatory.
- • Verify that every document has the Hospital Official Seal.
- • Ask if a Medical Result Form can replace a Diagnosis paper to save ~20k KRW in fees.
Outpatient Claim Checklist
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How to Claim Medical Insurance in Korea
Step-by-Step Filing Guide
Filing an insurance claim in South Korea is highly digitized. Most major insurers like **Samsung Fire**, **Hyundai Marine**, and **Meritz** allow you to file claims directly through their mobile apps. For claims under 1 million KRW, you typically only need to upload clear photos of your documents.
- 01. Request Papers
Ask for "Silson insurance documents" at the hospital desk when paying.
- 02. Photo Upload
Use the insurer's app to take high-resolution photos of each document.
- 03. Review & Payout
Review usually takes 1-3 business days. Funds are wired to your ARC-linked bank account.
Key Korean Terms for Hospital Staff
When talking to the hospital administration, using these terms will ensure you get the correct paperwork:
How to Maximize Your Payout
- Consolidate Small Claims: Don't file every 10,000 KRW visit individually. Collect receipts for 3-6 months and file them in one batch to save time.
- Check Your Special Riders: Many expats only claim for the "Silson" (reimbursement) part but forget about **Daily Hospitalization Indemnity** or **Surgery Riders**.
- Emergency Room Tips: If you visited the ER for a non-emergency reason, Silson may not cover the full "ER Fee" (usually around 60k KRW). Check if your policy has an ER-specific rider.
Need Deeper Guides?
Explore the 2026 Korea Life & Finance Roadmap on KR Insider . From visa updates to tax-saving strategies, we have you covered.
FAQ
Quick answers to common questions.
What documents do I need for a Korean insurance claim?
Basic claims need a Medical Receipt (영수증) and Detailed Statement (세부내역서). Claims over 100k KRW require the Detailed Statement.
What is the Deductible (Gong-je-geum) in Korean insurance?
Every Silson claim has a deductible: 10,000 KRW for clinics, 15,000 KRW for general hospitals, 20,000 KRW for university hospitals.
Do I need to translate documents for Korean insurers?
No, Korean insurers use Korean documents directly. Only translate if claiming from a foreign/travel insurer.
How do I file a Silson claim via mobile?
Use your insurer's app (Samsung, Hyundai, Meritz) to take photos of documents. Claims under 1M KRW can usually be filed with photo uploads only.