NATIONAL HEALTH INSURANCE ACT [See entire ACT]

CHAPTER IV INSURANCE BENEFITS

Article 41 (Medical Care Benefits)

(1) Medical care benefits referred to in the following subparagraphs shall be provided for diseases, injuries, childbirths, etc. of the policyholders and their dependents:
1. Diagnosis, medical examinations;
2. Supply of medicines and materials for medical treatment;
3. Emergency aid, operation or other types of medical treatments;
4. Prevention, rehabilitation;
5. Hospitalization;
6. Nursing;
7. Transfers.
(2) Criteria for medical care benefits referred to in paragraph (1) (hereinafter referred to as "medical care benefits"), such as the method, procedure, scope, and upper limit on medical care benefits shall be prescribed by Ordinance of the Ministry of Health and Welfare.
(3) In prescribing the criteria for medical care benefits under paragraph (2), the Minister of Health and Welfare may exclude ailments that do not cause difficulties at work or in daily life and other items determined by Ordinance of the Ministry of Health and Welfare, from items eligible for medical care benefits.

Article 41-2 (Reduction of Upper Limit Amount of Costs of Health Care Benefits for Medicines)

(1) The Minister of Health and Welfare may reduce the upper limit amount (referring to the amount set as the upper limit of each kind of medicine pursuant to Article 41 (3); hereinafter the same shall apply) of costs of health care benefits for the medicines referred to in Article 41 (1) 2 as are involved in a violation of Article 47 (2) of the Pharmaceutical Affairs Act within the extent not exceeding 20/100 of such amount.

(2) Where any medicine for which the upper limit amount of costs of health care benefits is reduced pursuant to paragraph (1) again becomes subject to the reduction of amount under paragraph (1) within the period determined by Presidential Decree within the extent of five years from the date when the upper limit amount of such medicine was reduced, the Minister of Health and Welfare may partially reduce the upper limit amount of costs of health care benefits for such medicine within the extent not exceeding 40/100 of such upper limit amount.

(3) Where any medicine for which the upper limit amount of costs of health care benefits is reduced pursuant to paragraph (2) is again involved in a violation of Article 47 (2) of the Pharmaceutical Affairs Act within the period determined by Presidential Decree within the scope of five years from the date when the upper limit amount of costs of health care benefits for such medicine is reduced, the Minister of Health and Welfare may suspend the application of health care benefits for a fixed period not exceeding one year.

(4) Standards and procedures for reducing the upper limit amount of costs of health care benefits and suspending the application of health care benefits pursuant to paragraphs (1) through (3), and other matters therefor shall be prescribed by Presidential Decree.

[This Article Newly Inserted on Jan. 1, 2014]

[Title Amended on Mar. 27, 2018]

Enforcement Ordinance

Article 18-2 (Criteria, etc. for Suspension of, Exclusion from Application of Benefit in Kind of Medicines)

(1) Where the Minister of Health and Welfare suspends any medicine from the application of benefit in kind or excludes such medicine from benefit in kind pursuant to Article 41-2 (1) or (2) of the Act, he/she shall notify the NHIS and the Health Insurance and Assessment Service of such fact to record and manage the details of each medicine subject to suspension of, and exclusion from the application of benefit in kind.
(2) Criteria and procedures for the suspension of, and exclusion from the application of benefit in kind of medicines under Article 41-2 (3) of the Act shall be as set forth in attached Table 4-2.
[This Article Newly Inserted by Presidential Decree No. 25429, Jun. 30, 2014]

Enforcement Ordinance

Article 18-3 (Hearings)

Where the Minister of Health and Welfare intends to make dispositions to exclude any medicine from the application of medical benefits under Article 41-2 (2) of the Act, he/she shall hold a hearing.
[This Article Newly Inserted by Presidential Decree No. 25429, Jun. 30, 2014]

Article 42 (Medical Care Institution)

(1) Health care benefits (excluding nursing and transfers) shall be provided by the health care institutions referred to in the following subparagraphs. In such cases, the Minister of Health and Welfare may exclude medical facilities, etc. determined by Presidential Decree, which are unfit as health care institutions for the public interest or for national policy reasons, from among health care institutions:

1. Medical institutions established under the Medical Service Act;

2. Pharmacies registered under the Pharmaceutical Affairs Act;

3. The Korea Orphan and Essential Drug Center established under Article 91 of the Pharmaceutical Affairs Act;

4. Public health clinics, public health and health care centers, and branches of public health clinics referred to in the Regional Public Health Act;

5. Public health clinics established under the Act on Special Measures for Health and Medical Services in Agricultural and Fishing Villages.

(2) If necessary for efficiently providing health care benefits, the Minister of Health and Welfare may recognize health care institutions meeting the standards prescribed by Ordinance of the Ministry of Health and Welfare, such as facilities, equipment, human resources, and medical departments, as specialized health care institutions, as prescribed by Ordinance of the Ministry of Health and Welfare. In such cases, he or she shall issue a written recognition for each of the relevant specialized health care institutions.

(3) If a health care institution recognized under paragraph (2) falls under any of the following cases, the Minister of Health and Welfare shall revoke such recognition:

1. Where it fails to meet the standards for recognition referred to in the former part of paragraph (2);

2. Where it returns the written recognition received under the latter part of paragraph (2).

(4) Health care institutions recognized to be specialized health care institutions under paragraph (2) or tertiary hospitals under Article 3-4 of the Medical Service Act may set the procedure for health care benefits referred to in Article 41 (3) and the costs of health care benefits referred to in Article 45 differently from other health care institutions.

(5) Health care institutions referred to in paragraphs (1), (2), and (4) may not refuse to provide health care benefits without any justifiable ground.

Enforcement Ordinance

Article 18 (Medical Facilities, etc. Excluded from Health Care Institution)

(1) "Medical facilities, etc. prescribed by Presidential Decree" in the latter part of the main sentence of Article 42 (1) of the Act means the following medical institutions or drugstores:
1. Auxiliary medical institutions established under Article 35 of the Medical Service Act;
2. Medical institutions established for the purpose of medical treatment for the inmates of social service facilities under Article 34 of the Social Welfare Services Act;
3. Medical institutions falling under any of the following items which have become subject to business suspension disposition, etc. due to activities of inducing the insured or dependent persons by means of not receiving the shares borne by the principals under Article 19 (1) or receiving in the reduced amount, or performing excessive medical treatments in connection therewith, or demanding unfairly expensive medical fees:
(a) Medical institutions which have been subject to business suspension under Article 98 of the Act or disposition of penalty surcharges under Article 99 of the Act not less than twice in five years;
(b) Medical institutions established and operated by medical persons who have been subject to a disposition of license suspension under Article 66 of the Medical Service Act not less than twice in five years;
4. Medical institutions or drugstores installed by the founder of the health care institutions subject to a business suspension or under the process of the procedures for business suspension under Article 98 of the Act.
(2) Where the medical institutions stipulated under paragraph (1) 1 and 2 intend to be excluded from among health care institutions, they shall file an application for exclusion from among health care institutions determined by the Minister of Health and Welfare.
(3) The period of exclusion from among health care institutions for medical institutions, etc. shall not exceed one year in cases under paragraph (1) 3, and by not later than the end of the business suspension period in cases under paragraph (1) 4.

Article 43 (Reports on Current Status of Medical Care Institutions)

(1) A medical care institution shall, at the time it claims reimbursement of its first medical care benefit costs under Article 47, report on the current status of its facilities, equipment, manpower, etc. to the Health Insurance and Assessment Service (hereinafter referred to as the "Review and Assessment Service") established under Article 62.
(2) Where any matter reported under paragraph (1) (limited to any matter related to the increase or reduction of medical care benefit costs under Article 45) is changed, the medical care institution shall report thereon to the Review and Assessment Service within 15 days from the date on which such change is made, as prescribed by Ordinance of the Ministry of Health and Welfare.
(3) Matters necessary for the scope of reporting, matters subject to reporting, methods and procedures, etc. for the reporting prescribed in paragraphs (1) and (2) shall be prescribed by Ordinance of the Ministry of Health and Welfare.

Article 44 (Partial Defrayment of Expenses)

A person who receives medical care benefits shall personally partially defray such expenses (hereinafter referred to as "individual co-payment") as prescribed by Presidential Decree.

Enforcement Ordinance

Article 19 (Expenses Borne by Principal)

(1) The rate and amount of co-payment prescribed in Article 44 (1) of the Act (hereinafter referred to as "co-payment") shall be as set forth in the attached Table 2.

(2) The amount of co-payment shall be paid by the persons who receive health care benefits to health care institutions upon claims from the health care institutions. In such cases, no health care institution shall claim expenses under pretexts other than health care benefit items or non-benefit items determined by Ordinance of the Ministry of Health and Welfare pursuant to Article 41 (3) or (4) of the Act, such as hospitalization deposits.

(3) The total amount of co-payment prescribed in Article 44 (2) of the Act shall be an amount obtained by adding up the amounts of annual co-payment borne by a person who receives health care benefits: Provided, That none of the following amounts of co-payment shall be added:

1. In cases of using two-bed or three-bed rooms of general inpatient units and two-bed or three-bed rooms of closed psychiatric wards of tertiary care hospitals, general hospitals, hospitals, oriental medical clinics, and intermediate care hospitals (limited to both intermediate care hospitals that are mental hospitals among the mental medical institutions referred to in subparagraph 5 of Article 3 of the Act on the Improvement of Mental Health and the Support for Welfare Services for Mental Patients and intermediate care hospitals that are medical institutions satisfying the requirements prescribed in Article 3-2 of the Medical Service Act among the medical rehabilitation facilities referred to in Article 58 (1) 4 of the Act on Welfare of Persons with Disabilities) prescribed in subparagraph 1 (a) (i) of attached Table 2, an amount borne as hospitalization costs;

2. An amount borne prescribed in subparagraph 3 (d) (v), (vi), (ix) and (x) of attached Table 2;

3. An amount borne prescribed in subparagraph 3 (g) and (o) of attached Table 2;

4. An amount borne prescribed in subparagraph 4 of attached Table 2;

5. An amount borne prescribed in subparagraph 6 of attached Table 2.

(4) The co-payment ceiling referred to in Article 44 (2) of the Act (hereinafter referred to as "co-payment ceiling") means an amount computed by the calculation method specified in the attached Table 3.

(5) Where the NHIS pays an amount exceeding the co-payment ceiling pursuant to Article 44 (2) of the Act, it shall pay the amount into a savings account designated by the relevant person who has received health care benefits (referring to savings accounts determined by the Minister of Health and Welfare, such as savings accounts opened at postal service agencies specified in the Postal Savings and Insurance Act or at banks specified in the Banking Act): Provided, That the NHIS may make such payment by the method determined by the Minister of Health and Welfare, in extenuating circumstances which make it impracticable to pay the amount into the relevant savings account.

(6) Except as provided in paragraphs (2) and (5), the payment method for co-payment, the method for paying an amount exceeding the co-payment ceiling, and other necessary matters shall be prescribed and publicly notified by the Minister of Health and Welfare.

[This Article Wholly Amended by Presidential Decree No. 27943, Mar. 20, 2017]

Article 44 (Partial Defrayment of Expenses)

A person who receives medical care benefits shall personally partially defray such expenses (hereinafter referred to as "individual co-payment") as prescribed by Presidential Decree.

Article 45 (Calculation, etc. of Medical Care Benefit Costs)

(1) The costs of medical care benefits shall be determined by contract between the president of the Corporation and persons determined by Presidential Decree who represent the medical and pharmaceutical communities. In such cases, the term of the contract shall be one year.
(2) If a contract is concluded under paragraph (1), it shall be deemed concluded between the Corporation and each individual medical care institution.
(3) A contract under paragraph (1) shall be concluded by May 31 of the year in which the expiration date of the term of the immediately preceding contract falls; if no contract is concluded within that period, the costs of medical care benefits shall be determined by the Minister of Health and Welfare by no later than June 30 of the year in which the expiration date of the term of the immediately preceding contract falls after reaching a resolution thereon by the Deliberative Committee. In such cases, the costs of medical care benefits determined by the Minister of Health and Welfare shall be deemed the medical care benefit costs determined by contract under paragraphs (1) and (2).
(4) If the medical care benefit costs are determined under paragraph (1) or (3), the Minister of Health and Welfare shall publicly notify the particulars of the medical care benefit costs without delay.
(5) The president of the Corporation shall enter into a contract under paragraph (1), subject to the deliberation and resolution of the Financial Operation Committee under Article 33.
(6) When the president of the Corporation requests for materials necessary to conclude a contract under paragraph (1), the Review and Assessment Service shall sincerely comply therewith.
(7) Details of a contract concluded under paragraph (1) and other necessary matters shall be prescribed by Presidential Decree.

Enforcement Ordinance

Article 20 (Party to Contract on Costs of Benefit in Kind)

The person who represents the medical and pharmaceutical communities and is a party to the contract on the costs of health care benefits provided for in Article 45 (1) of the Act shall be any of the following persons:

1. For costs of health care benefits for medical clinics prescribed in Article 3 (2) 1 (a) of the Medical Service Act: The head of the association of doctors provided for in Article 28 (1) of the same Act;

2. For costs of health care benefits for dental clinics and dental hospitals prescribed in Article 3 (2) 1 (b) and 3 (b) of the Medical Service Act: The head of the association of dentists provided for in Article 28 (1) of the same Act;

3. For costs of health care benefits for oriental medical clinics or oriental medical hospitals prescribed in Article 3 (2) 1 (c) and 3 (c) of the Medical Service Act: The head of the oriental medical doctors' association provided for in Article 28 (1) of the same Act;

4. For costs of health care benefits for a midwifery clinic provided for in Article 3 (2) 2 of the Medical Service Act: One person from among the head of the midwives' association or the head of the nurses' association provided for in Article 28 (1) of the same Act;

5. For costs of health care benefits for hospitals, long-term care hospitals and general hospitals prescribed in Article 3 (2) 3 (a), (d), and (e) of the Medical Service Act: The head of an organization provided for in Article 52 of the Medical Service Act;

6. For costs of health care benefits for drugstores provided for in subparagraph 3 of Article 2 of the Pharmaceutical Affairs Act and the Korea Orphan and Essential Drug Center provided for in Article 91 of the same Act: The president of the Korean Pharmaceutical Association provided for in Article 11 (1) of the Pharmaceutical Affairs Act;

7. For costs of health care benefits for public health clinics, public health and medical care centers, branches of pubic health clinics provided for in the Regional Public Health Act and the public health and medical clinics established under the Act on Special Measures for Health and Medical Services in Agricultural and Fishing Villages: The person designated by the Minister of Health and Welfare.

Enforcement Ordinance

Article 21 (Terms and Conditions of Contracts)

(1) Contracts provided for in Article 45 (1) of the Act shall be concluded between the president of the NHIS and persons provided for in each subparagraph of Article 20 who represent each type of health care institutions by determining a unit price per point of the relative value points of each health care benefit.

(2) The points of relative values of health care benefits referred to in paragraph (1) shall be those that have shown the values of health care benefits in the relative points between each item, computed in consideration of workload such as hours and efforts required for health care benefits, resource volumes such as human resources, facilities and equipment, the level of risk of health care benefits, social benefits in relation to health care benefits, etc.; and the Minister of Health and Welfare shall give public notice thereof after deliberation by the Deliberative Committee, as determined by Ordinance of the Ministry of Health and Welfare.

(3) Notwithstanding paragraph (2), in any of the following cases, the points of relative values of health care benefits may be computed as classified in the following:

1. Where the medical treatment is received by hospitalization in a long-term care hospital provided for in Article 3 (2) 3 (d) of the Medical Service Act: To be calculated by the point of relative value per day which is obtained by classifying into the degree of seriousness of patients' conditions after aggregating the points of each item of health care benefits and costs of medicines and materials for the relevant medical treatment;

2. Where the medical treatment is received by hospitalization in a medical clinic provided for in Article 3 (2) 1 (a) of the Medical Service Act, a hospital provided for in Article 3 (2) 3 (a) of the same Act, a long-term care hospital provided for in Article 3 (2) 3 (d) of the same Act, a general hospital provided for in Article 3 (2) 3 (e) of the same Act, a tertiary hospital provided for in Article 3-4 of the same Act, or a health care center provided for in Article 12 of the Regional Public Health Act for a diagnosis-related group (referring to the group of patients categorized by the names of diagnosis, names of medical treatments, seriousness of patients' conditions, patient's ages, etc.) determined and publicly notified by the Minister of Health and Welfare: To be calculated as one and the same point of relative value per case of hospitalization, which includes all the points of items of health care benefits and the costs of the medicines and materials for the relevant medical treatments;

3. Where the hospice or palliative care is received under Article 28 of the Act on Hospice and Palliative Care and Decisions on Life-Sustaining Treatment for Patients at the End of Life: To be calculated as the point of relative value per day, which is the total of all the points of items of health care benefits and the costs of the medicines and materials for the relevant medical treatments.

(4) In concluding a contract prescribed in paragraph (1), a contract on the expenses for new items of health care benefits for which the point of relative values is not publicly notified shall be deemed concluded on the date the point of relative values of the same item is publicly notified by the Minister of Health and Welfare under paragraph (2). In such cases, the contract shall apply, beginning with the first the health care benefits for the relevant item executed on or after the date when a public notice is given.

Article 46 (Calculation, etc. Medical Care Benefit Costs for Medicines and Materials for Medical Treatment)

Notwithstanding Article 45, the medical care benefit costs for medicines and materials for medical treatment referred to in Article 41 (1) 2 (hereinafter referred to as "medicines and materials for medical treatment") may be calculated as prescribed by Presidential Decree, taking the purchase prices, etc. of the medicines and materials for medical treatment paid by the medical care institutions into consideration.

Enforcement Ordinance

Article 22 (Costs of Benefit in Kind for Medicines and Materials for Medical Treatment)

(1) Benefit in kind for medicines and materials for medical treatment provided for in Article 41 (1) 2 of the Act (excluding those to which the points of relative value referred to in Article 21 (2) and (3) applies; hereafter the same shall apply in this Article) under Article 46 of the Act shall be determined according to the following classifications. In such cases, if the purchase price (referring to the amount for purchasing the relevant medicines and materials for medical treatment by the health care institution; hereafter the same shall apply in this Article) exceeds the maximum amount (referring to the amount publicly notified by the Minister of Health after undergoing deliberation of the Deliberative Committee; hereinafter the same shall apply), the purchase price shall be deemed the same with the maximum amount:
1. Oriental medicines: The maximum amount;
2. Medicines other than the oriental medicines: Purchase price;
3. Deleted;
4. Materials for medical treatment: Purchase price.
(2) Standards and procedures for the determination of costs of benefit in kind for medicines and materials for medical treatment provided for in paragraph (1) and other necessary matters shall be prescribed and publicly notified by the Minister of Health and Wealth.

Article 47 (Claims for and Payment, etc. of Medical Care Benefit Costs)

(1) A medical care institution may claim the medical care benefit costs from the Corporation. In such cases, a request for review referred to in paragraph (2) shall be deemed a claim to the Corporation for the medical care benefit costs.
(2) A medical care institution which intends to claim the medical care benefit costs under paragraph (1) shall request the Review and Assessment Service for a review of the medical care benefit costs, and the Review and Assessment Service, in receipt of the request, shall review the matter and immediately notify the Corporation and the medical care institution of the details of its review.
(3) In receipt of the notification of the review details under paragraph (2), the Corporation shall immediately pay the medical care benefit costs to the medical care institution in accordance with such details. In such cases, where the individual co-payment already paid is in excess of the amount notified under paragraph (2), the difference of the excess payment shall be subtracted from the amount to be paid to the medical care institution and paid to the relevant policyholder.
(4) The Corporation may, for accounting purposes, offset the amount to be paid to a policyholder under paragraph (3) against the insurance premiums and other collections under this Act which the relevant policyholder should pay (hereinafter referred to as "insurance premiums, etc.").
(5) Where the Review and Assessment Service evaluates the reasonableness of a medical care benefit referred to in Article 63 and notifies it to the Corporation, the Corporation shall adjust the payment by increasing or reducing the medical care benefit costs in accordance with the results of the evaluation. In such cases, the standards for increased or reduced payment of medical care benefit costs shall be prescribed by Ordinance of the Ministry of Health and Welfare.
(6) A medical care institution may authorize any of the following organizations to claim for a review referred to in paragraph (2) on its behalf:
1. The association of medical doctors, the association of dentists, the association of oriental medical doctors and the association of midwives provided for in Article 28 (1) of the Medical Service Act or a branch office or a branch of each of those associations, each of which files a report pursuant to paragraph (6) of the same Article;
2. The organization of medical institutions provided for in Article 52 of the Medical Service Act;
3. The association of pharmacists provided for in Article 11 of the Pharmaceutical Affairs Act or a branch office or a branch of the association, which files a report pursuant to Article 14 of the same Act.
(7) Matters necessary for the method and procedure for making the claim, review, payment, etc. of the medical care benefits costs referred to in paragraphs (1) through (6) shall be prescribed by Ordinance of the Ministry of Health and Welfare.

Article 47-2 (Withholding of Payment of Medical Care Benefit Costs)

(1) Notwithstanding Article 47 (3), where the NHIS verifies, as a result of an investigation by an investigative agency, that a health care institution which has filed a claim for the payment of costs of health care benefits violates Article 4 (2) or 33 (2) or (8) of the Medical Service Act or Article 20 (1) or 21 (1) of the Pharmaceutical Affairs Act, it shall withhold the payment of the relevant health care institution. In such cases, the amount of payment of medical care benefit costs shall also extend to the health care benefit costs claimed after the disposition taken by the relevant institution.

(2) Before withholding the payment of the costs of health care benefits under paragraph (1), the NHIS shall provide the relevant health care institution with an opportunity to submit its opinion.

(3) Where the suspicion that a health care institution under paragraph (1) has violated Article 4 (2), 33 (2) or (8)of the Medical Service Act or Article 20 (1) or 21 (1) of the Pharmaceutical Affairs Act is not substantiated, due to grounds prescribed by Presidential Decree such as final verdict of acquittal, the NHIS shall pay the relevant health care institution the interest for the period the payment of the costs of health care benefits is withheld in addition to the amount of health care benefit cost of which the payment is withheld.

(4) Matters necessary for the procedure for withholding the payment, the procedure for submission of opinions, etc. under paragraphs (1) and (2), and matters necessary for the payment procedure of the health care benefit cost of which the payment is withheld and its interest, the calculation of interest, etc. under paragraph (3), shall be prescribed by Presidential Decree.

[This Article Newly Inserted on May 20, 2014]

Enforcement Ordinance

Article 22-2 (Withholding Payment, etc. of Costs of Benefit in Kind)

(1) Where the NHIS intends to withhold the payment of costs of health care benefits pursuant to Article 47-2 (1) of the Act, it shall first notify the relevant health care institution thereof in a document stating the following matters:

1. The name of the relevant health care institution, the representative, and the address thereof;

2. The fact that becomes a ground for withholding of payment, the costs of health care benefits subject to withholding of payment, and the legal grounds therefor;

3. The purport that the relevant health care institution may submit its opinion on matters referred to in subparagraph 2, and the processing method when it fails to submit its opinion.

(2) If any health care institution, in receipt of notification under paragraph (1), has an objection to the withholding of payment, it shall submit to the NHIS a written opinion on withholding of payment of the costs of health care benefits, stating the purport of and the reason for filing an objection, along with necessary documents.

(3) After examining a written opinion submitted by a health care institution under paragraph (2), the NHIS shall notify the outcomes thereof in writing to the health care institution.

(4) “Grounds prescribed by Presidential Decree, such as the final verdict of acquittal” in Article 47-2 (3) of the Act means any of the following:

1. Final verdict of acquittal;

2. Non-prosecution disposition (limited to the disposition to be cleared of suspicion or to be innocent; hereinafter the same shall apply).

(5) Where a health care institution that has received a decision to withhold the payment of costs of health care benefits under Article 47-2 (1) of the Act is found not guilty or receives a non-prosecution disposition, it shall notify the NHIS of such fact.

(6) Upon being notified pursuant to paragraph (5), the NHIS shall pay without delay the withheld costs of health care benefits and the interest for a period during which the payment of costs of health care benefits is withheld. In such cases, the amount of interest shall be calculated by multiplying the withhold costs of health care benefits by the interest rate prescribed in Article 43-3 (2) of the Enforcement Decree of the Framework Act on National Taxes for a period from the date the payment of costs of health care benefits was withheld to the date it is paid.

(7) Except as provided in paragraphs (1) through (6), detailed matters such as the form of a written opinion to be notified to the relevant health care institutions necessary for withholding of payment of costs of health care benefits, etc., and the methods of handling the opinion when it is submitted, shall be determined by the NHIS.

[This Article Newly Inserted by Presidential Decree No. 25760, Nov. 20, 2014]

Article 48 (Verification of Entitlement to Medical Care Benefits, etc.)

(1) Any policyholder or any dependent may request the Review and Assessment Service to verify whether part of the medical expenses he/she has borne, other than individual co-payment is excluded from his/her entitlement to medical care benefits in accordance with Article 41 (3).
(2) The Health Insurance and Assessment Service in receipt of a request for verification under paragraph (1) shall notify the person who requested the verification of its result. In such cases, if part of the medical expenses for which the verification is requested is verified to be entitled to medical care benefits, the Review and Assessment Service shall notify the Corporation and the relevant medical care institution of such facts.
(3) A medical care institution in receipt of a notice under the latter part of paragraph (2) shall refund without delay, the amount it has collected in excess of the amount it should have received to the person who requested the verification (hereinafter referred to as "over-collected medical expenses"): Provided, That where the relevant medical care institution fails to refund the over-collected medical expenses, the Corporation may refund such over-collected medical expenses to the person who requested for verification after deducting them from the medical care benefits it is liable to pay such medical care institution.

Article 49 (Medical Care Costs)

(1) Where the insured or dependent, due to emergency or other unavoidable reasons determined by Ordinance of the Ministry of Health and Welfare, receives health care for a disease, injury, childbirth, etc. at an institution determined by Ordinance of the Ministry of Health and Welfare and performs functions similar to those of a health care institution (including a health care institution placed under a period of suspension of operation under Article 98 (1); hereinafter referred to as “quasi-health care institution”) or undergoes a childbirth at a place other than a health care institution, the NHIS shall disburse an amount equivalent to the health care benefits concerned to the insured or dependent as the health care costs, as prescribed by Ordinance of the Ministry of Health and Welfare.

(2) A quasi-health care institution shall issue to the recipient of health care a detailed health care cost statement or a receipt stating the particulars of the health care, as prescribed by the Minister of Health and Welfare, and the person who has received the health care shall submit such statement or receipt to the NHIS.

(3) Notwithstanding paragraphs (1) and (2), a quasi-health care institution may directly claim the payment of the health care expenses to the NHIS, if a policyholder or his or her dependent has been delegated thereto. In such cases, the NHIS may pay the health care expenses to the quasi-medical care institution after examining the appropriateness of the particulars that the benefits have been requested."

(4) Matters necessary for the request for the payment of health care expenses by quasi-health care institutions under paragraph (3), the review of the NHIS' appropriateness, etc. shall be prescribed by Ordinance of the Ministry of Health and Welfare.

Article 50 (Additional Benefits)

In addition to the medical care benefits prescribed in this Act, the Corporation may subsidize medical expenses for pregnancy and childbirth, funeral costs, sickness allowances, and other benefits, as prescribed by Presidential Decree.

Enforcement Ordinance

Article 23 (Additional Benefits)

(1) Additional benefits prescribed in Article 50 of the Act mean medical expenses for pregnancy and delivery (including miscarriage and stillbirth; hereinafter the same shall apply).

(2) A person eligible for the medical expenses for pregnancy and delivery prescribed in paragraph (1) shall be as follows:

1. An insured person who is pregnant or gave birth to a baby, or her dependents;

2. Legal representative (limited to where the insured person gave birth to a baby or her dependents died) of the insured or his/her dependents under one year of age (hereinafter referred to as “infants and young children under one year of age”).

(3) The NHIS may issue a person falling under any subparagraph of paragraph (2) with treatment coupons for medical expenses for pregnancy and delivery which can be used to pay any of the following expenses:

1. Expenses incurred in relation to medical treatment related to pregnancy and delivery;

2. Expenses incurred in relation to medical treatment for infants and young children under one year of age;

3. Expenses incurred in purchasing medicines or materials for medical treatment prescribed for infants and young children under one year of age.

(4) A person who intends to be issued with treatment coupons (hereafter referred to as “applicant” in this Article) shall submit an application for issuance prescribed by Ordinance of the Ministry of Health and Welfare, along with a certificate verifying that the applicant falls under any subparagraph of paragraph (2).

(5) Upon receipt of an application for issuance of treatment coupons prescribed in paragraph (4), the NHIS shall issue the applicant with the coupons after verifying that he/she falls under any subparagraph of paragraph (2).

(6) The period of using treatment coupons shall be from the date of being issued with the treatment coupons pursuant to paragraph (5) until any of the following days:

1. The insured who is pregnant or gave birth to a baby, or her dependents: A date when one year has elapsed from the date of childbirth (in cases of miscarriage and stillbirth, the relevant date);

2. Legal representative of infants and young children under one year of age: A date when one year has elapsed from the date of birth of infants and young children under one year of age.

(7) The upper limit of payable amount of a treatment coupon shall be as follows: Provided, That if deemed necessary and publicly notified by the Minister of Health and Welfare, the payable amount may exceed the following upper limits:

1. In cases of being pregnant with or giving birth to a fetus: 600,000 won;

2. In cases of being pregnant with or giving birth to at least two fetuses: 1,000,000 won.

(8) Except as provided in paragraphs (2) through (7), matters necessary for the procedures for and methods of the payment of the medical expenses for pregnancy and delivery, the issuance and use of treatment coupons, and other relevant matters shall be prescribed by Ordinance of the Ministry of Health and Welfare.

Enforcement Ordinance

Article 24 (Health Care Institutions Accepting Treatment Coupons)

(1) The NHIS shall designate health care institutions that shall accept treatment coupons under Article 23 (5) for medical treatment related to pregnancy and delivery.
(2) The pregnant insured or her dependent who intends to be reimbursed medical expenses for pregnancy and delivery under Article 23 (1) shall use treatment coupons in a medical institution designated pursuant to paragraph (1).
(3) Except as provided for in paragraphs (1) and (2), matters necessary for the procedure for and method of designation of health care institutions and other relevant matters shall be prescribed by Ordinance of the Ministry of Health and Welfare.

Article 51 (Special Case for Disabled Person)

(1)The NHIS may provide insurance benefits for assistive devices pursuant to subparagraph 2 of Article 3 of the Act on the Support for Assistive Devices for Persons with Disabilities, Senior Citizens, Etc. and Promotion of Use Thereof (hereafter referred to as “assistive devices” in this Article) for the disabled insured and dependents registered under the Act on Welfare of Persons with Disabilities.

(2) A person who sells assistive devices to a policyholder or his or her dependent who is a person with disabilities, may claim insurance benefits directly to the NHIS where a policyholder or his or her dependent is delegated. In such cases, the NHIS may pay insurance benefits on assistive devices to a person who sells assistive devices after examining the appropriateness of the terms of a claim for payment.

(3) The scope and methods of, and procedures for, insurance benefits for assistive devices referred to in paragraph (1), a business entity selling assistive devices requests insurance benefits referred to in paragraph (2), the review of the NHIS's propriety, and other necessary matters shall be prescribed by Ordinance of the Ministry of Health and Welfare.

Article 52 (Health Checkups)

(1) The NHIS shall provide health checkups for the insured and their dependents in order to facilitate early detection of diseases and provide subsequent health care benefits.

(2) The types of and candidates for health checkups under paragraph (1) are as follows:

1. General health checkups: The employee insured, the self-employed insured who is the head of a household, the self-employed insured of 20 years of age and over, and a dependent of 20 years of age and over;

2. Cancer checkups: A person who meets a checkup cycle, age standard, etc. by type of cancer under Article 11 (2) of the Cancer Control Act;

3. Infant health checkups: The insured and a dependent under the age of six.

(3) The items of health checkups under paragraph (1) shall be designed based on personal characteristics, such as gender and age, and life cycle.

(4) Frequency of and procedures for the health checkup referred to in paragraph (1), and other necessary matters shall be prescribed by Presidential Decree.

Enforcement Ordinance

Article 25 (Health Checkups)

(1) Health checkups (hereinafter referred to as "health checkups") provided for in Article 52 of the Act shall be conducted, classifying them into general health checkup, cancer checkup and infant and child health checkup.
(2) Any of the following persons are eligible for health checkups:
1. General health checkups: The employee insured, the self-employed insured who are the heads of households, the self-employed insured who are older than 40 years of age and the dependents who are older than 40 years of age;
2. Cancer checkups: Persons falling under checkup cycle by cancer type, age standard, etc. set forth in attached Table 1 of the Enforcement Decree of the Cancer Control Act;
3. Infant and child health checkups: The insured and their dependants who are younger than 6 years of age.
(3) Health checkups shall be conducted at least once every two years, and for the employee insured who do not work at a desk, health checkups shall be conducted once a year: Provided, That cancer checkups shall be conducted as prescribed in the Enforcement Decree of the Cancer Control Act, and infant and child health checkups may be conducted according to the checkup cycle and frequency determined and published by the Minister of Health and Welfare, after taking into account the ages, etc. of the infants and children.
(4) Health checkups shall be conducted by health care institutions designated in accordance with Article 14 of the Framework Act on Health Examination (hereinafter referred to as "checkup institutions").
(5) If the NHIS intends to conduct a health checkup, it shall notify the persons eligible for a health check of the matters concerning the conduct of their health checkups according to the following classifications:
1. General health checkups and cancer checkups: Where a health checkup is conducted for the employee insured, the relevant employers shall be notified of the health checkup and where a health checkup is conducted for the dependents of the employee insured and the self-employed insured, persons who undergo health checkups shall be notified thereof;
2. Infant and child health checkups: where a health checkup is conducted for infants and children who are the dependants of the employee insured, the relevant employee insured shall be notified thereof and where a health checkup is conducted for infants and children of the self-employed insured, the heads of their households shall be notified thereof.
(6) Checkup institutions that have conducted the health checkups shall notify the NHIS of the outcomes of their health checkups and the NHIS shall notify persons who have undergone health checkups, of the outcomes of such health checkups: Provided, That where any checkup institution directly notifies anyone who has undergone a health checkup of the outcomes of his/her health checkup, the NHIS may choose not to notify him/her of the outcomes of his/her health checkup.
(7) The subject matters of health checkups, the methods of conducting health checkups, expenses incurred therefor, procedures for notifying the results of health checkups and other necessary matters concerning health checkups shall be determined and published by the Minister of Health and Welfare.

Article 53 (Restriction of Benefits)

(1) If a person eligible to receive insurance benefits falls under any of the following subparagraphs, the NHIS shall not provide any insurance benefit:

1. Where he or she has caused criminal conduct by intention or gross negligence or caused an accident by intention;

2. Where he or she has failed to follow health care-related instructions of the NHIS or the health care institution by intention or gross negligence;

3. Where he or she has refused to submit the documents referred to in Article 55 or other items or evaded questions or medical checkups by intention or gross negligence;

4. Where he or she receives or is eligible to receive insurance benefits or compensations under other statutes due to a disease, injury, or disaster incurred relating to his or her business or in the line of duty.

(2) When a person eligible for health care benefits has received, from the State or a local government, benefits equivalent to the health care benefits or expenses equivalent to the costs of health care benefits under the provisions of other statutes, the NHIS shall not provide insurance benefits up to the limit of such amount.

(3) Where the insured fails to pay any of the following insurance contributions for a period prescribed by Presidential Decree, the NHIS may not provide insurance benefits to the insured or his or her dependents until the delinquent insurance contributions are paid in full: Provided, That this shall not apply where the total number of failure to pay monthly insurance contributions (delinquent insurance contributions which have already been paid shall be excluded in calculating the total number of failure, and the period of delinquency in paying insurance contributions shall not be taken into consideration) is below the number prescribed by Presidential Decree, or the income and property of the insured and his or her dependents are below the standard prescribed by Presidential Decree:

1. Insurance contributions based on monthly income referred to in Article 69 (4) 2;

2. Insurance contributions per household referred to in Article 69 (5).

(4) Where an employer liable to pay insurance contributions under Article 77 (1) 1 is delinquent in paying the insurance contributions based on monthly remuneration referred to in Article 69 (4) 1, paragraph (3) shall apply only if such delinquency is attributable to the employee insured himself/herself. In such cases, the dependents of the relevant employee insured shall also be subject to paragraph (3).

(5) Notwithstanding the provisions of paragraphs (3) and (4), where approval for the installment payment from the NHIS pursuant to the provisions of Article 82 is obtained and the approved insurance contributions are paid at least once, the insurance benefits may be provided: Provided, That the same shall not apply where anyone who has obtained approval for the installment payment pursuant to the provisions of Article 82 fails to pay the approved insurance contributions at least five times (if the number of installments approved under paragraph (1) of the same Article is less than five times, it means the number of installments; hereafter the same shall apply in this Article) without any justifiable grounds therefor.

(6) The insurance benefits received in the period during which no insurance benefits are to be provided pursuant to paragraphs (3) and (4) (hereafter referred to as "benefit suspension period" in this paragraph) shall be recognized as insurance benefits only in the following cases:

1. Where the insurance contributions in arrears are fully paid by the due date for its payment in the month to which the date two months lapse from the date when the NHIS has served notice that insurance benefits were received during the benefit suspension period belongs;

2. Where the insurance contributions for which installment payment is approved pursuant to Article 82 are paid at least once by the due date for its payment in the month to which the date two months lapse from the date when the NHIS has served notice that insurance benefits were paid during the benefit suspension period belongs: Provided, That where anyone who has obtained approval for the installment payment pursuant to Article 82 fails to pay the approved insurance contributions on at least five times without justifiable grounds therefor, his or her eligibility for insurance benefits shall be denied.

Enforcement Ordinance

Article 26 (Delinquency Period, etc. for Insurance Contributions)

(1) "Period prescribed by Presidential Decree" in the main sentence other than the subparagraphs of Article 53 (3) of the Act means one month.
(2) "Number of times prescribed by Presidential Decree" in the proviso to the part other than the subparagraphs of Article 53 (3) of the Act means six times.

Article 54 (Suspension of Benefits)

When a person eligible to receive insurance benefits falls under any of the following subparagraphs, no insurance benefit shall be provided during that period: Provided, That in cases of subparagraphs 3 and 4, the health care benefits under the provisions of Article 60 shall be provided:

1. Deleted;

2. When he or she is staying abroad;

3. When he or she falls under Article 6 (2) 2;

4. When he or she is committed to a correctional institution or equivalent facilities.

Article 55 (Verification of Benefits)

If determined to be necessary when providing insurance benefits, the Corporation may demand a person who receives insurance benefits to submit documents and other items or be subject to questioning or diagnosis by relevant personnel.

Article 56 (Disbursement of Medical Care Costs, etc.)

When there is a claim for disbursement of medical care costs or for additional benefits the Corporation is obligated to provide under this Act, the Corporation shall pay or provide them without delay.

Article 56-2 (Accounts for Receipt of Medical Care Costs, etc.)

(1) Where a recipient of medical care costs who is paid in cash for insurance benefits under this Act (hereinafter referred to as "medical care costs, etc.") files an application, the Corporation shall pay the medical care costs, etc. into an account opened in the name of the person eligible for medical care (hereinafter referred to as "account for receipt of medical care costs, etc."): Provided, That where an account transfer is impossible due to an information communication problem or any other inevitable cause prescribed by Presidential Decree, it may pay the medical care costs, etc., as prescribed by Presidential Decree, such as direct cash payment.
(2) A financial institute at which an account for receipt of medical care costs is opened shall ensure that only the medical care costs, etc. are deposited into such account, and shall manage it.
(3) Matters necessary for the methods and procedures for application for, and the management of, an account for receipt of medical care costs, etc. under paragraphs (1) and (2) shall be prescribed by Presidential Decree.
[This Article Newly Inserted by Act No. 12615, May 20, 2014]

Enforcement Ordinance

Article 26-2 (Methods, Procedures, etc. for Filing an Application for Accounts for Receipt of Health Care Costs)

(1) A person who intends to receive health care costs, etc. through an account opened in the name of a person eligible for health care (hereinafter referred to as "account for receipt of health care costs, etc.") under the main sentence of Article 56-2 (1) of the Act shall submit to the NHIS a request for payment of health care costs, a request for payment of insurance benefits of supportive equipment, etc., respectively, stating the account number for receipt of health care costs, etc., along with a copy of his/her deposit passbook (referring to a page where the account number is shown). The same shall also apply to the change of an account number for the receipt of health care costs, etc.
(2) When a bank where a recipient has opened an account for receipt of health care costs, etc. has discontinued its business or its normal business is impracticable due to business suspension or an information communication problem, or when an account transfer is impracticable due to an inevitable cause corresponding thereto, the NHIS shall directly pay it in cash under the proviso to Article 56-2 (1) of the Act.
[This Article Newly Inserted by Presidential Decree No. 25760, Nov. 20, 2014]

Article 57 (Collection of Unjust Gains)

(1) The NHIS shall collect all or part of an amount equivalent to the insurance benefits or the insurance benefit costs from a person who has received insurance benefits, a quasi-health care institution, a business entity selling assistive devices, or a health care institution that has received insurance benefit costs by fraud or other improper means.

(2) Where a health care institution that has received insurance benefit costs by fraud or other improper means under paragraph (1) falls under any of the following subparagraphs, the NHIS may require the person who has established such health care institution to pay the money collectable under paragraph (1), severally or jointly with such health care institution:

1. A medical institution established and operated by a person prohibited from establishing a medical institution because he or she violated Article 33 (2) of the Medical Service Act, by borrowing a health care provider's license or the name of a medical corporation;

2. A pharmacy established and operated by a person prohibited from establishing a pharmacy because he or she violated Article 20 (1) of the Pharmaceutical Affairs Act, by borrowing a pharmacist's license;

3. A medical institution established and operated in violation of Article 4 (2)or 33 (8) of the Medical Service Act;

4. A pharmacy opened and operated in violation of Article 21 (1) of the Pharmaceutical Affairs Act.

(3) Where insurance benefits have been provided based on a false report or false testimony (including arranging another person to receive insurance benefits by transferring or lending one’s own health insurance card or identification card in violation of Article 12 (5)) of the employer or the insured, or false diagnosis by a health care institution, the NHIS may require payment of the money collectable under paragraph (1) from such person or institution jointly with the person who received the insurance benefits.

(4) The NHIS may require payment of the money collectable under paragraph (1) from the insured who belongs to the same household as the person who has received insurance benefits by fraud or other improper means (referring to the employee insured if the person who has received the insurance benefits by fraud or other improper means is a dependent) severally or jointly with the person who has received the insurance benefits by fraud or other improper means.

(5) Where a health care institution has received the costs of health care benefits from the insured or his or her dependent by fraud or other improper means, the NHIS shall collect the amount thereof from the health care institution concerned and disburse it to the insured or his or her dependent without delay. In such cases, the NHIS may offset the amount payable to the insured or his or her dependent against the insurance contributions, etc. to be paid by such insured or his or her dependent.

Article 57-2 (Disclosure of Personal Details on Defaulters Who are in Arrears with Unjust Enrichment or Unjust Profit Collectable)

(1) Where a health care institution liable to pay the money collectable under Article 57 (1) or (2), falling under any of the subparagraphs of paragraph (2) of the same Article, or a person who has established such health care institution, fails to pay at least 100 million won in the money collectable for one year from the date immediately following its payment deadline specified in the billing under Article 79 (1), the NHIS may disclose the violation that has given rise to the money collectable, personal details on the defaulter, the amount in arrears, and other information prescribed by Presidential Decree (hereafter in this Article referred to as “personal details, etc.”): Provided, That this shall not apply if an objection under Article 87 or a request for trial under Article 88 is filed, or an administrative litigation is pending, with respect to the amount in arrears, or if there is a compelling reason prescribed by Presidential Decree not to do so, such as partial payment of the amount in arrears.

(2) A Deliberative Committee on Disclosure of Information on Unjust Enrichment and Unjust Profit in Arrears shall be established under the jurisdiction of the NHIS to deliberate on whether to disclose personal details, etc. under paragraph (1).

(3) The Deliberative Committee on Disclosure of Information on Unjust Enrichment and Unjust Profit in Arrears shall provide persons who are subject to disclosure of personal details, etc. an opportunity to defend themselves by notifying in writing that they shall be subject to the disclosure, and select the persons subject to the disclosure after six months lapse from the date of such notification taking into consideration the fulfillment, etc. of their obligation to pay the amount in arrears.

(4) Disclosure of personal details, etc. under paragraph (1) shall be made by publishing or posting it in the Official Gazette or on the website of the NHIS.

(5) Except as provided in paragraphs (1) through (4), matters necessary for the procedures for disclosure of personal details, etc., and for the organization and operation of the Deliberative Committee on Disclosure of Information on Unjust Enrichment and Unjust Profit in Arrears, shall be prescribed by Presidential Decree.

[This Article Newly Inserted on Dec. 3, 2019]

Article 58 (Rights to Indemnity)

(1) When the Corporation has provided an insurance benefit to a policyholder or dependent because the grounds for the insurance benefit have arisen due to the act of a third party, the Corporation shall have the right to claim compensation from the third party up to the amount of the expenses incurred for the benefit concerned.
(2) Where the person who receives the insurance benefit has already received compensation for the loss from the third party under paragraph (1), the Corporation shall withhold the insurance benefit, up to the amount of such compensation.

Article 59 (Protection of Entitlement to Benefits)

(1) Entitlement to receive insurance benefits shall be unalienable and unseizable.
(2) Medical care costs, etc. paid into an account for receipt of medical care costs under Article 56-2 (1) shall not be seized.

Article 60 (Payment of Costs of Health Care Benefits to Soldiers in Active Service)

(1) Where any person who falls under subparagraphs 3 and 4 of Article 54 has received medical care, etc. prescribed by Presidential Decree (hereafter referred to as "health care benefits" in this Article) at an health care institution, the NHIS may pay the costs necessary therefor (hereafter referred to as "costs of health care benefits" in this Article) and the health care costs pursuant to Article 49 to be borne by it, after receiving a deposition from the Minister of Justice, the Minister of National Defense, the Commissioner of the National Police Agency, the Administrator of the National Fire Agency, or the Commissioner of the Korea Coast Guard. In such cases, as prescribed by Presidential Decree, the Minister of Justice, the Minister of National Defense, the Commissioner of the National Police Agency, the Administrator of the National Fire Agency, or the Commissioner of the Korea Coast Guard shall pre-deposit the annual costs of health care benefits and health care costs anticipated, except for the inevitable cases in their budgets.

(2) Articles 41, 41-4, 42, 42-2, 44 through 47, 47-2, 48, 49, 55, 56, 56-2, and 59 (2) shall apply mutatis mutandis to the matters concerning the health care benefits, costs of health care benefits, and health care costs.

[Title Amended on Dec. 11, 2018]

Enforcement Ordinance

Article 27 (Payment of Costs of Benefit in Kind to Soldiers, etc. in Active Service)

(1) "Medical care, etc. prescribed by Presidential Decree" in the forepart of Article 60 (1) of the Act means any benefit in kind referred to in Article 41 (1) 1 through 3 and 5 of the Act.
(2) Pursuant to the latter part of Article 60 (1) of the Act, the Minister of Justice, the Minister of National Defense, the Minister of Public Safety and Security, or the Commissioner of the National Police Agency (hereinafter referred to as "head of an agency") shall deposit in an account designated by the NHIS, the costs of benefit in kind of the relevant agency, which are expected to be incurred annually.
(3) The NHIS shall notify the operational situation of money deposited to the Minister of Health and Welfare and the head of a relevant agency every quarter.
(4) Where the costs of benefit in kind deposited by the head of an agency pursuant to paragraph (2) fall short of the costs of benefit in kind to be borne by the NHIS, the NHIS shall immediately request the head of the relevant agency to pay the shortfall and the head of the agency, in receipt of a request, shall pay it to the NHIS.
(5) The NHIS may use interest accruing on the costs of benefit in kind deposited by the head of an agency pursuant to paragraph (2) for the costs of benefit in kind it bears.

Article 61 (Settlement of Medical Care Benefit Costs)

Where the Korea Workers' Compensation and Welfare Service under Article 10 of the Industrial Accident Compensation Insurance Act claims medical care benefit costs for the medical care benefits already paid pursuant to Article 40 of the Industrial Accident Compensation Insurance Act to a person eligible to receive the medical care benefits pursuant to this Act because of the cancellation of the decision to pay the medical care benefits, the Corporation may pay an amount equivalent to the medical care benefits on the condition that the medical care benefits are accepted to be an amount equivalent to a medical care benefit providable pursuant to this Act.

Enforcement Ordinance

Enforcement Ordinance

For further questions, please
call (+82) 2-539-0098 or email bongsoo@k-labor.com

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