Things to know about NHIS 🏥

Some time ago I have attended a lecture organized by ItaewonGVC and I want to share knowledge about NHIS that I think you will want to know. ⚠️🚨 DISCLAIMER: I am not an expert I am just retelling things presented by the guestspeaker. This post may not be 100% accurate. I also may have some grammatical vocabular mistakes. 1️⃣ NHIS only covers parts of your bill you will still have to pay out-of pocket. (I personally found this to be new to me) 2️⃣ Important terms: In-patient care - patient is admitted and stays overnight. Out-patient care - patient receives treatment and does not stay. 급여 - covered services, partially covered by NHIS. 비급여 - non-covered services, not covered 일부 본인부담금 - partial out-of pocket payment, you have to pay this, the other part is NHIS 공담부담금 - insurance fund payment, NHIS coverage. 본인부담금 - out-of pocket payment, this is basically the whole bill that you end up paying that includes both the things you pay for and NHIS covered things 전액 본인금 - full out-of pocket payment the whole bill but you pay for everything. Basically 비급여. 3️⃣ Partial out-of-pocket payment Depending on if your visit is classified as in-patient care or out-patient care the NHIS coverage will be different. In-patient care 20% Out-patient care ❗️30% clinics, 40% hospitals, 50% general hospitals, 60% certified tertiary hospitals. Therefore be mindful of which place you go to. This is pretty logical BUT I did not even think about this before the lecture. TIP 💁‍♀️I got. Look at the name of the hospital! If it ends with~ 의원 its clinic, 병윈 hospital, general hospital is gonna be a bigger 병원, 대학병원 is the most expensive. 🚨This is just as a TIP. Do check before going since sometimes this tip is hard to use. Check website 건강보험심사평가원 4️⃣ Documentation/ Certification is not covered by NHIS 🙅‍♀️ For example:소견서 medical opinion letter/report 진단서 Diagnosis certificate/report P.S there are a lot of things that NHIS does not cover when it is for appearance enhancement stuff such as scar ointment. 5️⃣ 실비보험 is the way most Koreans cover things NHIS does not. In this personal case from the guest speaker, 실비보험 covered more than NHIS. Also keep in mind that in this system justification is very important to whether you get the coverage or not. I also attached a picture so that you all have a better understanding of the terms. Comment if you have questions and keep in mind my post and answers may not be 100% true. Always check for yourself. 🥰