국민건강보험 환급금By Reporter Kim Yun-seok
2023.06.22 13:06:22
If you receive a National Health Insurance refund, you must receive it within 3 years of the statute of limitations. Otherwise, if the period expires, you will not be able to receive the refund.
According to government audit data, out of the 5.3494 trillion won in health insurance premiums incurred from 2000 to June 2024, 86.4 billion won was not received by recipients because the statute of limitations had expired.
Refunds are not guaranteed, but please check periodically to make sure you don’t miss out on money.
In cases such as overpaying insurance premiums or paying medical expenses that are higher than the standard, a National Health Insurance refund will be issued, and the eligible person can receive the refund by applying.
Most people are signing up because it is compulsory, but there are many people who do not know that there is such a thing as a refund. Find out what types there are and check if any apply.
We will learn about how to apply for a National Health Insurance refund. You can find it on the National Health Insurance website or app without a complicated process.
However, to use the service, you must log in using a joint certificate or simple authentication, so please prepare in advance.
As a result of the inquiry, if there is an amount to be refunded, you can immediately apply for a refund and have it transferred to your account, so be sure to check within 3 years of the statute of limitations.
This is a system in which medical institutions, such as hospitals or pharmacies, refund treatment fees to patients when they charge more than the standard or receive unfair fees.
This is a system designed to relieve the burden on households due to excessive medical expenses incurred after receiving treatment.
The maximum amount of out-of-pocket expenses is set according to the average annual insurance premium, etc., and if the total amount of health insurance out-of-pocket expenses paid by the subscriber from January 1st to December 31st exceeds the maximum limit, the Corporation will bear the burden.
The upper limit system is divided into advance payment and post-refund, and the person who received treatment must apply for payment, and deposit can be made into the patient’s savings account.
The maximum amount of out-of-pocket expenses is calculated differently depending on hospitalization in a nursing hospital, average annual insurance premium, etc., and if the amount paid per year exceeds the standard, the difference is paid by the Corporation.
This refers to refunds incurred due to reasons such as ‘double or mistaken payment, retroactive loss of qualification, or retroactive adjustment of insurance premiums’ and must be returned to the person responsible for payment.
This refers to a refund incurred due to reasons such as ‘double or erroneous payment or cancellation of decision.’ If it is used for other collections, etc., even if you are notified of the amount, it may not be available depending on the time of application.
If you are subject to prior benefit restrictions due to non-payment of health insurance premiums, you must pay the entire cost of medical care within that period and pay in full before notification of the fact of treatment. This is a system in which the HIRA refunds a portion of the medical expenses paid after review by the HIRA.
Even after notification of treatment, if the insurance premium is paid in full within 2 months, the benefit restriction will be lifted and you will be able to receive a refund.
This is a subsidy provided to reduce the burden of medical expenses for patients with serious illnesses who receive expensive new drugs such as anticancer drugs or rare disease treatments.
After logging in to the National Health Insurance website or app, go to ‘Refund Inquiry/Application’.
It is within 3 years from the date of insurance premium payment, and after this period, you cannot receive a refund.
National tax refund inquiry
Card point inquiry
Hidden insurance payment inquiry
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