- 건강보험료 조회 방법(지역가입자, 직장가입자)
- 국민건강보험은 지역가입자, 직장가입자, 피보험자로 구성되어 있으며, 지역가입자와 직장가입자는 건강보험료를 매월 납부해야 합니다. 지역가입자와 직장가입자가 각각 얼마의 건강보험료를 납부하는지, 건강보험료 조회 방법을 설명해 드리도록 하겠습니다.
Curious about how your health insurance premiums, deducted monthly, are calculated? Premiums are calculated differently for regionally and employer-based subscribers. Let's simplify the seemingly complex health insurance premium calculation method.
Why do we have to pay health insurance premiums?
We can seek medical treatment when we're sick thanks to health insurance. Health insurance is mandatory for all citizens, and it's a social insurance system that reduces the financial burden caused by illness or injury.
Regionally and Employer-Based Subscribers: What's the Difference?
- Regionally-based Subscribers: This includes self-employed individuals, freelancers, students, etc., who are not employed by a company. Premiums are calculated based on income and assets.
- Employer-based Subscribers: This includes employees, civil servants, etc. Premiums are calculated based on income (salary).
How are Health Insurance Premiums Calculated?
- Regionally-based Subscribers: Premiums are calculated by combining income (interest, dividends, business income, etc.) and assets (land, buildings, etc.).
- Employer-based Subscribers: Calculated by multiplying the salary by the insurance rate. The employee and employer share the cost equally.
How to Check Your Health Insurance Premiums?
How to Check Health Insurance Premiums
- National Health Insurance Service Website: After logging in, you can easily check your premiums by clicking on "Inquiry/Application for Insurance Premiums" in the "Citizen Service" menu.
- Payslip: Employer-based subscribers can check their health insurance premium payments on their payslips.
Ways to Reduce Health Insurance Premiums?
- Email Bill Notification: You can receive a discount of 200 won per month.
- Accurate Income Reporting: Be sure to report any income changes to adjust your premiums accordingly.
Frequently Asked Questions (FAQ) about Health Insurance Premiums
- When are health insurance premiums due? They must be paid by the 20th of each month.
- What happens if I don't pay my health insurance premiums? Late fees will apply, and you may have your health insurance benefits restricted.
- Do dependents not pay health insurance premiums? Dependents do not pay premiums if their income and assets are below a certain level.
Want to Learn More about Health Insurance Premiums?
- National Health Insurance Service Website: You can find more detailed information on the National Health Insurance Service website.
- 1577-1000: Contact the National Health Insurance Service call center if you have any questions.
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