- 본인부담상한액 초과금 환급 신청 및 지급일
- 본인부담상한액 초과금은 지난해 1년 동안 의료비 지출이 많은 국민건강보험 가입자에게 의료비 부담을 줄이기 위한 제도입니다. 이번 글에서는 본인부담상한액 기준 및 환급 대상을 알아보고, 본인부담상한액 초과금 환급 신청 및 지급일에 대해 설명해 드리겠습니다.
Out-of-Pocket Maximum Reimbursementis a system that returns money to National Health Insurance subscribers who have spent a lot on medical expenses in a year. In short, if your medical expenses exceed a certain limit, you get the excess amount back.
Why should I receive a refund?
- Easing the Burden of Medical Expenses: Reduces the significant financial burden caused by unexpected illnesses or injuries.
- Strengthening National Health Coverage: Prevents situations where people forgo treatment due to medical expenses and supports maintaining a healthy life.
Who is eligible for a refund?
- All National Health Insurance Subscribers: This includes regionally enrolled individuals, those enrolled through their workplaces, and dependents.
- Those Who Have Incurred High Medical Expenses: Anyone who has exceeded the out-of-pocket maximum limit for medical expenses is eligible for a refund.
What is the refund procedure?
Refund for exceeding the self-pay maximum
1. Notification from the National Health Insurance Service: Around August each year, a notification is sent to eligible recipients.
2. Application: Apply according to the instructions in the notification. Applications can be submitted through various methods, including online, fax, phone, and mail.
3. Payment: Payment is made within one week of application.
Frequently Asked Questions
- Relationship with Private Medical Insurance: The out-of-pocket maximum reimbursement is separate from private medical insurance. Private medical insurance reimburses actual medical expenses, while the out-of-pocket maximum reimbursement is a payment made within the National Health Insurance system.
- What if I missed the application deadline? Contact the National Health Insurance Service to confirm and apply if necessary.
- What happens if the applicant dies? The heir can apply and inherit the reimbursement.
Don't Miss Out!
The out-of-pocket maximum reimbursement system is a valuable system that reduces the burden of medical expenses. Carefully check the notification each year, and if eligible, be sure to apply to receive the benefits.
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