{"content_id":"nf8acfot14","slug":"medical-expense-insurance-overseas-coverage-rules","locale":"en","schema_type":"Article","category":"knowledge_base","category_name":"Knowledge Base","title":"Indemnity Health Insurance Abroad: First-Gen Exceptions","summary":"Standardized indemnity health insurance does not cover treatment costs at medical institutions abroad. Exceptions for some first-generation policies, overseas medical coverage under travel insurance, and the rules for proportional reimbursement of treatment costs after returning to Korea are separate issues.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"Injoys Editorial Team","url":"https://injoys.com/ko/about"},"key_points":["People with standardized indemnity health insurance should check whether they have separate insurance that covers overseas medical costs.","Some first-generation indemnity health insurance policies sold through September 2009 cover overseas medical costs, depending on their terms.","If treatment in Korea after returning is covered by multiple indemnity health insurance policies, insurers split the payment according to the policy terms.","If you stayed abroad for at least 3 consecutive months, you can check whether you qualify for a refund of your indemnity health insurance premiums.","If you switched an older indemnity health insurance policy to a different product, check the terms currently in effect rather than your original enrollment date."],"content_markdown":"Standardized indemnity health insurance does not cover treatment costs at overseas medical institutions. To prepare for medical care abroad, check whether your travel insurance covers overseas medical expenses. Exceptions may apply to some first-generation indemnity health insurance policies, depending on their terms.\n\nThe reimbursement rate depends on the terms of the policy you hold. You can check it through your insurer's policy lookup service.\n\n## Does indemnity health insurance cover hospital bills abroad?\n\nStandardized domestic indemnity health insurance does not cover medical expenses incurred at overseas medical institutions. Indemnity health insurance reimburses the amount you actually pay for medical expenses covered under the policy terms. Having a domestic policy does not, by itself, mean that treatment abroad is covered.\n\nThe Samsung Fire \u0026 Marine Insurance indemnity health insurance FAQ also states that only treatment at domestic medical institutions is covered. Check overseas medical expense coverage separately when buying travel insurance. Confirm that the coverage is included in your policy certificate. [Samsung Fire \u0026 Marine Insurance indemnity health insurance guide](https://direct.samsungfire.com/m/mall/MP030404_001.html?ver=880)\n\n| Item to check | What it means | Document to check |\n| --- | --- | --- |\n| Coverage area | Whether domestic or overseas medical institutions are covered | Policy terms |\n| Covered expenses | Which costs of illness or injury treatment are covered | Policy certificate and terms |\n| Coverage amount | The limit payable under that coverage | Policy certificate |\n| Deductible | The portion of covered expenses you must pay | Policy terms |\n\n## Overseas medical expense exceptions for first-generation policies\n\nSome first-generation indemnity health insurance policies sold through September 2009 cover overseas medical expenses. Standardization began in October 2009. Policies taken out before September 2009 should therefore also be checked.\n\nThe General Insurance Association of Korea describes a case in which a first-generation policy reimbursed 40% of overseas medical expenses. However, first-generation policy terms varied by insurer. That rate cannot be applied to every older policy. [General Insurance Association of Korea consumer consultation case](https://www.knia.or.kr/file-manager/104953)\n\nSome policy terms apply the payment criteria used when health insurance does not apply. Policies that limit coverage to treatment at domestic medical institutions are assessed differently. Check the coverage conditions for inpatient and outpatient treatment separately.\n\n1. Check the name of the indemnity health coverage currently in force on your policy certificate.\n2. Find the provisions concerning overseas medical institutions in that policy's terms.\n3. Check whether the exclusions include any geographic restrictions.\n4. Tell your insurer the type of treatment and expected expense items, and ask it to confirm coverage.\n5. Keep a record of the applicable provisions and the claim documents the insurer tells you to submit.\n\n## Conditions by place of treatment\n\nFalling ill abroad does not, by itself, rule out coverage under domestic indemnity health insurance. Overseas medical bills and medical bills incurred in Korea after your return are assessed separately. Check which insurance and policy terms apply to each treatment.\n\n| Situation | Coverage to check first | What to watch for |\n| --- | --- | --- |\n| Treatment for an illness at an overseas hospital | Travel insurance coverage for overseas medical expenses due to illness | Check whether you have the coverage and what it excludes |\n| Treatment at a local hospital after an injury abroad | Travel insurance coverage for overseas medical expenses due to injury | Check whether the accident and treatment are covered |\n| Treatment in Korea after an injury abroad | Domestic indemnity health insurance and travel insurance coverage for domestic medical expenses | If the same treatment costs are covered by both, check proportional reimbursement |\n| Claiming overseas medical bills under an older indemnity health policy | The first-generation policy terms currently in force | Check the overseas coverage provisions and reimbursement rate |\n| Treatment in Korea after your return for an illness unrelated to the trip | Domestic indemnity health insurance | Check the travel insurance requirement that the illness occur during the trip |\n\nDomestic treatment after your return is a separate claim from overseas hospital bills. For travel insurance, you must also check the condition that the illness or injury occurred during the trip. Check the applicable policy terms for the period during which treatment is covered and when coverage ends. [Samsung Fire \u0026 Marine Insurance overseas travel insurance FAQ](https://direct.samsungfire.com/mall/PP030701_001.html?ver=203)\n\n## Comparing travel insurance and domestic indemnity health insurance\n\nOverseas medical expense coverage under travel insurance addresses the gap in overseas coverage under domestic indemnity health insurance. Illness and injury may be covered separately. You must also check whether consultation fees, hospitalization costs, and medication costs are covered under the policy terms.\n\n| Category | Domestic indemnity health insurance | Travel insurance coverage for overseas medical expenses | Travel insurance coverage for domestic medical expenses |\n| --- | --- | --- | --- |\n| Main place of treatment | Domestic medical institutions | Overseas medical institutions | Domestic medical institutions |\n| Conditions to check | Illness and injury conditions in the policy terms | Illness and injury conditions during overseas travel | Illness or injury during travel and conditions for domestic treatment |\n| Hospital bills incurred abroad | Excluded under standardized policies | Reimbursed according to the terms if you have the coverage | Not covered |\n| Hospital bills in Korea after your return | Reimbursed according to the terms | Not covered under overseas medical expenses | Reimbursed according to the terms |\n| When coverage overlaps | Proportional reimbursement among indemnity coverages | Check for overlap with other indemnity coverages | Proportional reimbursement with domestic indemnity health insurance |\n\nA travel insurance rider for domestic medical expenses may overlap with your existing indemnity health insurance. If your existing coverage is sufficient, check whether you can leave out that rider. Compare the scope of coverage and deductibles as well.\n\nProportional reimbursement means that policies covering the same loss divide the payment between them. Even if you have multiple policies, you cannot receive more than your actual loss. The amount each insurer pays depends on factors such as the coverage amount and deductible. [Samsung Fire \u0026 Marine Insurance explanation of indemnity coverage and proportional reimbursement](https://product.samsungfire.com/v2/html/customer/07/F_070_010_019.html?show-element=mmList)\n\n## Why you should check your current policy terms, not just your original enrollment date\n\nIf you switched to a different indemnity health insurance product, check the terms that currently apply. Having originally enrolled in a first-generation policy does not mean overseas coverage remains in force. Distinguish between your original policy certificate and your current policy details.\n\nFifth-generation indemnity health insurance products were launched starting May 6, 2026 (South Korea). The changes concern the coverage structure for covered medical care and for non-covered care involving serious and non-serious conditions, among other things. The launch of a new product alone does not mean overseas coverage under existing policies has expanded. [Financial Services Commission guide to the launch of fifth-generation indemnity health insurance](https://www.fsc.go.kr/no010101/86831)\n\n- The name of your current indemnity health coverage and the applicable policy terms\n- Any history of switching to a product from another generation\n- Whether the policy terms changed when you renewed\n- Exclusions concerning overseas medical institutions\n\nPremium discounts and overseas medical expense coverage are separate items to check. Simplified enrollment conditions for products designed for people with pre-existing conditions do not imply overseas coverage either. Check the actual coverage provisions rather than the product name.\n\n## Documents to prepare if you receive treatment abroad\n\nGet documents from the local medical institution that show the treatment you received and the amount you spent. It may be difficult to obtain the same documents again after you return. Follow your insurer's overseas medical expense claim instructions for the final list of documents to submit.\n\n1. Request a medical certificate or treatment confirmation showing the diagnosis and treatment.\n2. Keep hospital receipts and an itemized statement of costs.\n3. If you were prescribed medication, keep the prescription and medication receipts.\n4. Ask your insurer whether proof of entry and exit is required.\n5. Check whether translations and original documents are required before filing your claim.\n\nPreparing the documents does not guarantee payment. The insurer will also review factors such as the coverage period and treatment details. If you are claiming under an older indemnity health policy, check the applicable overseas coverage provisions as well.\n\n## Premium suspension and refunds for extended stays abroad\n\nIf you stayed abroad for **at least 3 consecutive months**, you can check whether you qualify for a refund of your indemnity health insurance premiums. The Financial Supervisory Service explained this system in a press release dated July 16, 2025. Check the requirements for suspending premium payments before departure separately from those for receiving a refund after your return.\n\n\u003e If you stay abroad for an extended period (at least 3 consecutive months), you can receive a refund of your indemnity health insurance premiums for that period.\n\nThe wording above comes from the Financial Supervisory Service's “Consumer Guidance Based on Major Dispute Cases: Points to Note About Indemnity Health Insurance.” Check the conditions that apply to your policy before applying. If you have already canceled the policy, ask your insurer separately whether a refund is possible. [Financial Supervisory Service press release, posted by the Korea Insurance Research Institute](https://kiri.or.kr/PDF/weeklytrend/20250721/trend20250721_5.pdf)\n\n| Situation | What to check |\n| --- | --- |\n| Before an extended stay abroad | Requirements for suspending premium payments and conditions concerning enrollment in overseas medical expense insurance |\n| If you continued paying premiums during your stay | Documents proving the consecutive period abroad and the period eligible for a refund |\n| When returning to Korea or entering temporarily | When domestic coverage resumes and how to apply |\n| If you have already canceled the policy | Whether a refund can be processed for a canceled policy |\n\nThis system does not reimburse overseas hospital bills. You must arrange coverage for treatment abroad separately. When applying to suspend premium payments, check whether coverage will also be suspended.\n\n## Common mistakes about overseas medical expense coverage\n\nIf you check only whether you have insurance, without checking the place of treatment and any riders, it is easy to misunderstand what is covered. Compare the items below with your policy certificate and terms. You can also use the same items when asking your insurer for answers.\n\n| Common assumption | What to check |\n| --- | --- |\n| I have indemnity health insurance, so overseas hospital bills are covered | Standardized indemnity health insurance excludes overseas medical institutions |\n| A first-generation policy will pay 40% of overseas treatment costs | Whether your current policy terms cover treatment abroad and the conditions for each expense |\n| I bought travel insurance, so medical expenses are included | Whether you actually have coverage for overseas medical expenses due to illness and injury |\n| If I have multiple policies, each will pay the full treatment cost | Proportional reimbursement for the same loss and coverage limits |\n| I was injured abroad, so indemnity health insurance also excludes treatment after I return | The specific policy terms that apply to domestic treatment costs |\n| Premiums paid during an extended stay abroad are refunded automatically | The refund application and the process for proving your stay abroad |","content_html":"\u003cp\u003eStandardized indemnity health insurance does not cover treatment costs at overseas medical institutions. To prepare for medical care abroad, check whether your travel insurance covers overseas medical expenses. Exceptions may apply to some first-generation indemnity health insurance policies, depending on their terms.\u003c/p\u003e\n\u003cp\u003eThe reimbursement rate depends on the terms of the policy you hold. You can check it through your insurer's policy lookup service.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#does-indemnity-health-insurance-cover-hospital-bills-abroad\" class=\"anchor\" id=\"does-indemnity-health-insurance-cover-hospital-bills-abroad\"\u003e\u003c/a\u003eDoes indemnity health insurance cover hospital bills abroad?\u003c/h2\u003e\n\u003cp\u003eStandardized domestic indemnity health insurance does not cover medical expenses incurred at overseas medical institutions. Indemnity health insurance reimburses the amount you actually pay for medical expenses covered under the policy terms. Having a domestic policy does not, by itself, mean that treatment abroad is covered.\u003c/p\u003e\n\u003cp\u003eThe Samsung Fire \u0026amp; Marine Insurance indemnity health insurance FAQ also states that only treatment at domestic medical institutions is covered. Check overseas medical expense coverage separately when buying travel insurance. Confirm that the coverage is included in your policy certificate. \u003ca href=\"https://direct.samsungfire.com/m/mall/MP030404_001.html?ver=880\"\u003eSamsung Fire \u0026amp; Marine Insurance indemnity health insurance guide\u003c/a\u003e\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to check\u003c/th\u003e\n\u003cth\u003eWhat it means\u003c/th\u003e\n\u003cth\u003eDocument to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eCoverage area\u003c/td\u003e\n\u003ctd data-label=\"What it means\"\u003eWhether domestic or overseas medical institutions are covered\u003c/td\u003e\n\u003ctd data-label=\"Document to check\"\u003ePolicy terms\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eCovered expenses\u003c/td\u003e\n\u003ctd data-label=\"What it means\"\u003eWhich costs of illness or injury treatment are covered\u003c/td\u003e\n\u003ctd data-label=\"Document to check\"\u003ePolicy certificate and terms\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eCoverage amount\u003c/td\u003e\n\u003ctd data-label=\"What it means\"\u003eThe limit payable under that coverage\u003c/td\u003e\n\u003ctd data-label=\"Document to check\"\u003ePolicy certificate\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eDeductible\u003c/td\u003e\n\u003ctd data-label=\"What it means\"\u003eThe portion of covered expenses you must pay\u003c/td\u003e\n\u003ctd data-label=\"Document to check\"\u003ePolicy terms\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\n\u003ca href=\"#overseas-medical-expense-exceptions-for-first-generation-policies\" class=\"anchor\" id=\"overseas-medical-expense-exceptions-for-first-generation-policies\"\u003e\u003c/a\u003eOverseas medical expense exceptions for first-generation policies\u003c/h2\u003e\n\u003cp\u003eSome first-generation indemnity health insurance policies sold through September 2009 cover overseas medical expenses. Standardization began in October 2009. Policies taken out before September 2009 should therefore also be checked.\u003c/p\u003e\n\u003cp\u003eThe General Insurance Association of Korea describes a case in which a first-generation policy reimbursed 40% of overseas medical expenses. However, first-generation policy terms varied by insurer. That rate cannot be applied to every older policy. \u003ca href=\"https://www.knia.or.kr/file-manager/104953\"\u003eGeneral Insurance Association of Korea consumer consultation case\u003c/a\u003e\u003c/p\u003e\n\u003cp\u003eSome policy terms apply the payment criteria used when health insurance does not apply. Policies that limit coverage to treatment at domestic medical institutions are assessed differently. Check the coverage conditions for inpatient and outpatient treatment separately.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck the name of the indemnity health coverage currently in force on your policy certificate.\u003c/li\u003e\n\u003cli\u003eFind the provisions concerning overseas medical institutions in that policy's terms.\u003c/li\u003e\n\u003cli\u003eCheck whether the exclusions include any geographic restrictions.\u003c/li\u003e\n\u003cli\u003eTell your insurer the type of treatment and expected expense items, and ask it to confirm coverage.\u003c/li\u003e\n\u003cli\u003eKeep a record of the applicable provisions and the claim documents the insurer tells you to submit.\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2\u003e\n\u003ca href=\"#conditions-by-place-of-treatment\" class=\"anchor\" id=\"conditions-by-place-of-treatment\"\u003e\u003c/a\u003eConditions by place of treatment\u003c/h2\u003e\n\u003cp\u003eFalling ill abroad does not, by itself, rule out coverage under domestic indemnity health insurance. Overseas medical bills and medical bills incurred in Korea after your return are assessed separately. Check which insurance and policy terms apply to each treatment.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSituation\u003c/th\u003e\n\u003cth\u003eCoverage to check first\u003c/th\u003e\n\u003cth\u003eWhat to watch for\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eTreatment for an illness at an overseas hospital\u003c/td\u003e\n\u003ctd data-label=\"Coverage to check first\"\u003eTravel insurance coverage for overseas medical expenses due to illness\u003c/td\u003e\n\u003ctd data-label=\"What to watch for\"\u003eCheck whether you have the coverage and what it excludes\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eTreatment at a local hospital after an injury abroad\u003c/td\u003e\n\u003ctd data-label=\"Coverage to check first\"\u003eTravel insurance coverage for overseas medical expenses due to injury\u003c/td\u003e\n\u003ctd data-label=\"What to watch for\"\u003eCheck whether the accident and treatment are covered\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eTreatment in Korea after an injury abroad\u003c/td\u003e\n\u003ctd data-label=\"Coverage to check first\"\u003eDomestic indemnity health insurance and travel insurance coverage for domestic medical expenses\u003c/td\u003e\n\u003ctd data-label=\"What to watch for\"\u003eIf the same treatment costs are covered by both, check proportional reimbursement\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eClaiming overseas medical bills under an older indemnity health policy\u003c/td\u003e\n\u003ctd data-label=\"Coverage to check first\"\u003eThe first-generation policy terms currently in force\u003c/td\u003e\n\u003ctd data-label=\"What to watch for\"\u003eCheck the overseas coverage provisions and reimbursement rate\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eTreatment in Korea after your return for an illness unrelated to the trip\u003c/td\u003e\n\u003ctd data-label=\"Coverage to check first\"\u003eDomestic indemnity health insurance\u003c/td\u003e\n\u003ctd data-label=\"What to watch for\"\u003eCheck the travel insurance requirement that the illness occur during the trip\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eDomestic treatment after your return is a separate claim from overseas hospital bills. For travel insurance, you must also check the condition that the illness or injury occurred during the trip. Check the applicable policy terms for the period during which treatment is covered and when coverage ends. \u003ca href=\"https://direct.samsungfire.com/mall/PP030701_001.html?ver=203\"\u003eSamsung Fire \u0026amp; Marine Insurance overseas travel insurance FAQ\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-travel-insurance-and-domestic-indemnity-health-insurance\" class=\"anchor\" id=\"comparing-travel-insurance-and-domestic-indemnity-health-insurance\"\u003e\u003c/a\u003eComparing travel insurance and domestic indemnity health insurance\u003c/h2\u003e\n\u003cp\u003eOverseas medical expense coverage under travel insurance addresses the gap in overseas coverage under domestic indemnity health insurance. Illness and injury may be covered separately. You must also check whether consultation fees, hospitalization costs, and medication costs are covered under the policy terms.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCategory\u003c/th\u003e\n\u003cth\u003eDomestic indemnity health insurance\u003c/th\u003e\n\u003cth\u003eTravel insurance coverage for overseas medical expenses\u003c/th\u003e\n\u003cth\u003eTravel insurance coverage for domestic medical expenses\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eMain place of treatment\u003c/td\u003e\n\u003ctd data-label=\"Domestic indemnity health insurance\"\u003eDomestic medical institutions\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for overseas medical expenses\"\u003eOverseas medical institutions\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for domestic medical expenses\"\u003eDomestic medical institutions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eConditions to check\u003c/td\u003e\n\u003ctd data-label=\"Domestic indemnity health insurance\"\u003eIllness and injury conditions in the policy terms\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for overseas medical expenses\"\u003eIllness and injury conditions during overseas travel\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for domestic medical expenses\"\u003eIllness or injury during travel and conditions for domestic treatment\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eHospital bills incurred abroad\u003c/td\u003e\n\u003ctd data-label=\"Domestic indemnity health insurance\"\u003eExcluded under standardized policies\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for overseas medical expenses\"\u003eReimbursed according to the terms if you have the coverage\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for domestic medical expenses\"\u003eNot covered\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eHospital bills in Korea after your return\u003c/td\u003e\n\u003ctd data-label=\"Domestic indemnity health insurance\"\u003eReimbursed according to the terms\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for overseas medical expenses\"\u003eNot covered under overseas medical expenses\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for domestic medical expenses\"\u003eReimbursed according to the terms\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eWhen coverage overlaps\u003c/td\u003e\n\u003ctd data-label=\"Domestic indemnity health insurance\"\u003eProportional reimbursement among indemnity coverages\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for overseas medical expenses\"\u003eCheck for overlap with other indemnity coverages\u003c/td\u003e\n\u003ctd data-label=\"Travel insurance coverage for domestic medical expenses\"\u003eProportional reimbursement with domestic indemnity health insurance\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eA travel insurance rider for domestic medical expenses may overlap with your existing indemnity health insurance. If your existing coverage is sufficient, check whether you can leave out that rider. Compare the scope of coverage and deductibles as well.\u003c/p\u003e\n\u003cp\u003eProportional reimbursement means that policies covering the same loss divide the payment between them. Even if you have multiple policies, you cannot receive more than your actual loss. The amount each insurer pays depends on factors such as the coverage amount and deductible. \u003ca href=\"https://product.samsungfire.com/v2/html/customer/07/F_070_010_019.html?show-element=mmList\"\u003eSamsung Fire \u0026amp; Marine Insurance explanation of indemnity coverage and proportional reimbursement\u003c/a\u003e\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#why-you-should-check-your-current-policy-terms-not-just-your-original-enrollment-date\" class=\"anchor\" id=\"why-you-should-check-your-current-policy-terms-not-just-your-original-enrollment-date\"\u003e\u003c/a\u003eWhy you should check your current policy terms, not just your original enrollment date\u003c/h2\u003e\n\u003cp\u003eIf you switched to a different indemnity health insurance product, check the terms that currently apply. Having originally enrolled in a first-generation policy does not mean overseas coverage remains in force. Distinguish between your original policy certificate and your current policy details.\u003c/p\u003e\n\u003cp\u003eFifth-generation indemnity health insurance products were launched starting May 6, 2026 (South Korea). The changes concern the coverage structure for covered medical care and for non-covered care involving serious and non-serious conditions, among other things. The launch of a new product alone does not mean overseas coverage under existing policies has expanded. \u003ca href=\"https://www.fsc.go.kr/no010101/86831\"\u003eFinancial Services Commission guide to the launch of fifth-generation indemnity health insurance\u003c/a\u003e\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eThe name of your current indemnity health coverage and the applicable policy terms\u003c/li\u003e\n\u003cli\u003eAny history of switching to a product from another generation\u003c/li\u003e\n\u003cli\u003eWhether the policy terms changed when you renewed\u003c/li\u003e\n\u003cli\u003eExclusions concerning overseas medical institutions\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003ePremium discounts and overseas medical expense coverage are separate items to check. Simplified enrollment conditions for products designed for people with pre-existing conditions do not imply overseas coverage either. Check the actual coverage provisions rather than the product name.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#documents-to-prepare-if-you-receive-treatment-abroad\" class=\"anchor\" id=\"documents-to-prepare-if-you-receive-treatment-abroad\"\u003e\u003c/a\u003eDocuments to prepare if you receive treatment abroad\u003c/h2\u003e\n\u003cp\u003eGet documents from the local medical institution that show the treatment you received and the amount you spent. It may be difficult to obtain the same documents again after you return. Follow your insurer's overseas medical expense claim instructions for the final list of documents to submit.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eRequest a medical certificate or treatment confirmation showing the diagnosis and treatment.\u003c/li\u003e\n\u003cli\u003eKeep hospital receipts and an itemized statement of costs.\u003c/li\u003e\n\u003cli\u003eIf you were prescribed medication, keep the prescription and medication receipts.\u003c/li\u003e\n\u003cli\u003eAsk your insurer whether proof of entry and exit is required.\u003c/li\u003e\n\u003cli\u003eCheck whether translations and original documents are required before filing your claim.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003ePreparing the documents does not guarantee payment. The insurer will also review factors such as the coverage period and treatment details. If you are claiming under an older indemnity health policy, check the applicable overseas coverage provisions as well.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#premium-suspension-and-refunds-for-extended-stays-abroad\" class=\"anchor\" id=\"premium-suspension-and-refunds-for-extended-stays-abroad\"\u003e\u003c/a\u003ePremium suspension and refunds for extended stays abroad\u003c/h2\u003e\n\u003cp\u003eIf you stayed abroad for \u003cstrong\u003eat least 3 consecutive months\u003c/strong\u003e, you can check whether you qualify for a refund of your indemnity health insurance premiums. The Financial Supervisory Service explained this system in a press release dated July 16, 2025. Check the requirements for suspending premium payments before departure separately from those for receiving a refund after your return.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eIf you stay abroad for an extended period (at least 3 consecutive months), you can receive a refund of your indemnity health insurance premiums for that period.\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThe wording above comes from the Financial Supervisory Service's “Consumer Guidance Based on Major Dispute Cases: Points to Note About Indemnity Health Insurance.” Check the conditions that apply to your policy before applying. If you have already canceled the policy, ask your insurer separately whether a refund is possible. \u003ca href=\"https://kiri.or.kr/PDF/weeklytrend/20250721/trend20250721_5.pdf\"\u003eFinancial Supervisory Service press release, posted by the Korea Insurance Research Institute\u003c/a\u003e\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSituation\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eBefore an extended stay abroad\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eRequirements for suspending premium payments and conditions concerning enrollment in overseas medical expense insurance\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eIf you continued paying premiums during your stay\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eDocuments proving the consecutive period abroad and the period eligible for a refund\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eWhen returning to Korea or entering temporarily\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhen domestic coverage resumes and how to apply\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Situation\"\u003eIf you have already canceled the policy\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether a refund can be processed for a canceled policy\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThis system does not reimburse overseas hospital bills. You must arrange coverage for treatment abroad separately. When applying to suspend premium payments, check whether coverage will also be suspended.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-mistakes-about-overseas-medical-expense-coverage\" class=\"anchor\" id=\"common-mistakes-about-overseas-medical-expense-coverage\"\u003e\u003c/a\u003eCommon mistakes about overseas medical expense coverage\u003c/h2\u003e\n\u003cp\u003eIf you check only whether you have insurance, without checking the place of treatment and any riders, it is easy to misunderstand what is covered. Compare the items below with your policy certificate and terms. You can also use the same items when asking your insurer for answers.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCommon assumption\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common assumption\"\u003eI have indemnity health insurance, so overseas hospital bills are covered\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eStandardized indemnity health insurance excludes overseas medical institutions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common assumption\"\u003eA first-generation policy will pay 40% of overseas treatment costs\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether your current policy terms cover treatment abroad and the conditions for each expense\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common assumption\"\u003eI bought travel insurance, so medical expenses are included\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether you actually have coverage for overseas medical expenses due to illness and injury\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common assumption\"\u003eIf I have multiple policies, each will pay the full treatment cost\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eProportional reimbursement for the same loss and coverage limits\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common assumption\"\u003eI was injured abroad, so indemnity health insurance also excludes treatment after I return\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eThe specific policy terms that apply to domestic treatment costs\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common assumption\"\u003ePremiums paid during an extended stay abroad are refunded automatically\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eThe refund application and the process for proving your stay abroad\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n","tags":["Insurance claim","Health insurance","Everyday Finance"],"faqs":[{"question":"Can I claim hospital bills from abroad under standardized indemnity health insurance?","answer":"Standardized indemnity health insurance does not cover treatment costs incurred at medical facilities abroad. Check whether a separate policy, such as travel insurance, includes coverage for medical expenses abroad."},{"question":"Should I also check an indemnity health insurance policy I took out in September 2009?","answer":"Policies sold through September 2009 are generally classified as first-generation. However, the date you took out the policy alone cannot establish whether it covers treatment abroad. Check the terms currently in effect and the policy's conversion history."},{"question":"Does first-generation indemnity health insurance cover 40% of medical expenses abroad?","answer":"Some older policies apply a 40% reimbursement rate to medical expenses abroad. This rate does not apply to all first-generation policies. Check the provisions for overseas coverage and the conditions for inpatient and outpatient treatment with your insurer."},{"question":"If I'm injured abroad and receive treatment after returning to Korea, will it be covered?","answer":"Treatment received at a medical facility in Korea is assessed under the terms of your indemnity health insurance policy. Coverage for medical expenses in Korea under travel insurance may also apply. If both policies cover the same treatment costs, check whether proportional reimbursement applies."},{"question":"Can I receive payment for treatment costs from both travel insurance and indemnity health insurance?","answer":"If indemnity coverage under both policies applies to the same treatment costs, the insurers split the payment according to the policy terms. You cannot receive duplicate payments that exceed your actual expenses."},{"question":"If I already have indemnity health insurance, can I leave out the rider for medical expenses in Korea from my travel insurance?","answer":"If your existing indemnity health insurance provides sufficient coverage, you can check whether you can leave out the rider for medical expenses in Korea. First, compare the scope of coverage and out-of-pocket costs under both policies. Check coverage for medical expenses abroad separately."},{"question":"Are medications prescribed abroad also covered?","answer":"Medication costs may be covered if they qualify for reimbursement under the terms of your coverage for medical expenses abroad. Keep the prescription and medication receipts. Check specific exclusions and limits with your insurer."},{"question":"Can I get a refund of the indemnity health insurance premiums I paid during a long stay abroad?","answer":"If you stayed abroad for at least 3 consecutive months, you can check whether you qualify for a refund. Ask your insurer what documents you need to prove your stay and what conditions apply to your policy. If you have already canceled the policy, check separately whether a refund is possible."},{"question":"If I switch from first-generation indemnity health insurance to another policy, will my overseas coverage continue?","answer":"Coverage is determined by the policy currently in effect and its terms. You cannot assume that overseas coverage from when you first took out the policy will continue after the switch. Check the provisions concerning medical facilities abroad in the policy you switched to."}],"sources":[{"url":"https://direct.samsungfire.com/m/mall/MP030404_001.html?ver=880","title":"Samsung Fire \u0026 Marine Insurance Direct Indemnity Medical Expense Insurance Product Information and FAQ","type":"source"},{"url":"https://www.knia.or.kr/file-manager/104953","title":"General Insurance Association of Korea Consumer Consultation Case: If You're Considering Switching to Fourth-Generation Indemnity Medical Insurance, Be Sure to Compare This, June 2024","type":"source"},{"url":"https://direct.samsungfire.com/mall/PP030701_001.html?ver=203","title":"Samsung Fire \u0026 Marine Insurance Direct Overseas Travel Insurance Product Information and FAQ","type":"source"},{"url":"https://product.samsungfire.com/v2/html/customer/07/F_070_010_019.html?show-element=mmList","title":"Samsung Fire \u0026 Marine Insurance's Good Insurance Dictionary: Compensation for Actual Loss and Proportional Compensation","type":"source"},{"url":"https://www.fsc.go.kr/no010101/86831","title":"Financial Services Commission Announcement on the Launch and Sale of Fifth-Generation Indemnity Medical Insurance, May 6, 2026","type":"source"},{"url":"https://kiri.or.kr/PDF/weeklytrend/20250721/trend20250721_5.pdf","title":"Financial Supervisory Service Consumer Precautions Based on Major Dispute Cases: Precautions Regarding Indemnity Medical Insurance, July 16, 2025","type":"source"}],"images":[{"id":1902,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjkzMjYsInB1ciI6ImJsb2JfaWQifX0=--c3e6cb5d78fd5a81a9b446d065b68b574ef9ea14/ai-8b55db05.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"병원 진료실에서 의료진이 파란 여행 가방 옆에 앉은 남성의 팔 붕대를 확인한다.","caption":"해외 치료비는 표준화 실손보험으로 보장되지 않으므로 별도 보험의 보장 여부를 확인해야 합니다.","description":null},"en":{"alt":"A clinician checks a man's forearm bandage in an exam room beside his blue suitcase.","caption":"Standardized medical expense insurance does not cover overseas treatment, so check for separate coverage.","description":null},"ja":{"alt":"診察室で、青いスーツケースのそばに座る男性の腕の包帯を医療従事者が確認している。","caption":"標準化された実損医療保険は海外での治療費を保障しないため、別の保険の保障を確認する必要があります。","description":null},"es":{"alt":"Una profesional sanitaria revisa el vendaje del antebrazo de un hombre junto a su maleta azul en una consulta.","caption":"El seguro estandarizado de gastos médicos no cubre la atención en el extranjero; conviene verificar otra cobertura.","description":null},"id":{"alt":"Tenaga medis memeriksa perban di lengan pria yang duduk di samping koper biru di ruang periksa.","caption":"Asuransi biaya medis standar tidak menanggung perawatan di luar negeri, jadi periksa perlindungan terpisah.","description":null},"pt":{"alt":"Uma profissional de saúde examina o curativo no braço de um homem ao lado de sua mala azul.","caption":"O seguro padronizado de despesas médicas não cobre tratamentos no exterior; verifique se há cobertura separada.","description":null},"zh-hant":{"alt":"診療室裡，醫護人員查看坐在藍色行李箱旁的男子手臂上的繃帶。","caption":"標準化實支實付醫療保險不保障海外醫療費用，應確認是否另有保障。","description":null},"de":{"alt":"Eine medizinische Fachkraft prüft den Verband am Unterarm eines Mannes neben seinem blauen Koffer.","caption":"Die standardisierte Krankheitskostenversicherung deckt Behandlungen im Ausland nicht ab; prüfen Sie einen separaten Schutz.","description":null}}},{"id":1903,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjkzMzIsInB1ciI6ImJsb2JfaWQifX0=--69a4c7a0fc4e621ca9e0fd47d40f63aea9f59bc1/ai-6e4243b8.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"발목 보호대를 착용한 여성이 물리치료사의 도움을 받으며 재활 보행 연습을 한다.","caption":"귀국 후 국내 치료비가 여러 실손 보장에 겹치면 보험사들이 약관에 따라 나누어 지급합니다.","description":null},"en":{"alt":"A woman wearing an ankle brace practices walking between therapy rails with a physiotherapist's help.","caption":"If multiple policies cover treatment after returning home, insurers divide the payment under their policy terms.","description":null},"ja":{"alt":"足首に装具を着けた女性が、理学療法士に支えられながら平行棒の間で歩行練習をしている。","caption":"帰国後の国内治療費が複数の実損保険で補償される場合、保険会社は約款に従って分担して支払います。","description":null},"es":{"alt":"Una mujer con una tobillera practica la marcha entre barras de rehabilitación con ayuda de una fisioterapeuta.","caption":"Si varias pólizas cubren el tratamiento tras el regreso al país, las aseguradoras reparten el pago según sus condiciones.","description":null},"id":{"alt":"Seorang perempuan berpenyangga pergelangan kaki berlatih berjalan di antara palang terapi dengan bantuan fisioterapis.","caption":"Jika biaya perawatan setelah pulang ditanggung beberapa polis, perusahaan asuransi membagi pembayaran sesuai ketentuan polis.","description":null},"pt":{"alt":"Uma mulher com tornozeleira pratica a marcha entre barras de reabilitação com a ajuda de uma fisioterapeuta.","caption":"Se várias apólices cobrirem o tratamento após o regresso ao país, as seguradoras dividem o pagamento conforme os contratos.","description":null},"zh-hant":{"alt":"一名戴著腳踝護具的女子在物理治療師協助下，扶著復健扶手練習走路。","caption":"返國後的國內治療費若由多份實支實付保險承保，保險公司會依條款分攤給付。","description":null},"de":{"alt":"Eine Frau mit Sprunggelenkbandage übt zwischen Gehbarren das Gehen, unterstützt von einer Physiotherapeutin.","caption":"Decken mehrere Policen die Behandlung nach der Rückkehr ab, teilen die Versicherer die Zahlung gemäß den Vertragsbedingungen auf.","description":null}}}],"published_at":"2026-10-17T22:30:41+09:00","updated_at":"2026-10-17T22:30:41+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://injoys.com/en/articles/medical-expense-insurance-overseas-coverage-rules"}