NHIS Premium Calculator
Health insurance (NHIS, the National Health Insurance Service) is mandatory in Korea. See your estimated monthly premium, and why it costs more as a local subscriber than as an employee.
Enter your gross monthly salary, before any deductions.
| Health premium | 107,850 |
| Long-term caremandatory add-on (장기요양) · 13.14% of the health premium | 14,171 |
| Employer also pays | +122,021 |
It comes out of your pay automatically each month.
How it works
Your monthly National Health Insurance premium, based on the income you enter. As an employee it’s your half of the health rate, and your employer pays the other half. As a local subscriber (지역가입자 — anyone not enrolled through an employer) it’s the full rate, so 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. That is mandatory, even with no Korean income.
For local subscribers, NHIS scores both your income and your property and applies a minimum, so income alone only gets us close. NHIS sets your actual bill, so treat the local figure as a ballpark.
No. Everything is calculated in your browser. Nothing you enter is sent to a server or stored.
On a 3,000,000 KRW salary, an employee pays about 120,000 KRW/mo, and the employer pays the same again. A local subscriber on the same income pays roughly double, because there is no employer share.
Students, dependents and job-seekers often get a surprise bill after 6 months. Keep your premiums paid, since falling behind can affect visa renewals.
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Questions people ask
Generally yes. NHIS is mandatory for residents. There are only a few exemptions — for example, people already covered under certain visas or through an agreement with their home country. Check your case with NHIS.
It covers a large share of clinic, hospital and prescription costs. Cosmetic care, implants and some scans are partly covered or not covered at all. Many people add private insurance for the gaps.
On a D-2 visa you are enrolled as a local subscriber from your entry date, not after 6 months, and the premium is reduced by 50% for students. Budget for it from month one.
Estimates with the 2026 rates (health 7.19%, long-term care 13.14% of the health premium). As an employee you pay half: about 101,700 won a month on 2,500,000 gross, 122,000 on 3,000,000, 162,700 on 4,000,000 and 203,400 on 5,000,000, and your employer pays the same again. As a local subscriber the income-only figure is roughly double that (about 244,000 on 3,000,000), before property and the average-premium floor change it. Run your own figure above.