NHIS Premium
Health insurance is mandatory in Korea. See your estimated monthly premium — and why it costs more as a local subscriber than as an employee.
Your employer pays the same amount again on top — your share is half the real cost.
| Health premium | 107,850 |
| Long-term care13.14% of health | 14,171 |
| Employer also pays | +122,021 |
This is deducted automatically from your pay each month.
How it works
Your monthly National Health Insurance premium from your income. As an employee it’s your half of the health rate — your employer pays the other half. As a local subscriber it’s the full rate, which is why the same income costs more.
Everyone working in Korea joins automatically through their employer. If you’re not employed, you’re enrolled as a local subscriber after about 6 months of residence — mandatory, even with no Korean income.
Local premiums use an income + property point system with a minimum floor, so we can only approximate from income. Your actual bill is set by NHIS — treat the local figure as a ballpark.
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On a 3,000,000 KRW salary, an employee pays about 120,000 KRW/mo (the employer pays the same again). A local subscriber on the same income pays roughly double, since there’s no employer share.
Non-workers — students, dependents, job-seekers — are often surprised by a bill after 6 months. Keep premiums paid: unpaid premiums can affect visa renewals.
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People also asked
Generally yes — NHIS is mandatory for residents. Only limited exemptions exist (for example, some coverage through specific visas or agreements). Check your case with NHIS.
It covers a large share of clinic, hospital and prescription costs, but cosmetic care, implants and some scans are partly covered or not at all. Many people add private insurance for the gaps.
You’ll likely become a local subscriber after about 6 months. Some reductions may apply — budget for the premium and check NHIS for any student rate.