{"content_id":"omad6h14gq","slug":"2026-korea-sickness-benefit-application-guide","locale":"en","schema_type":"HowTo","category":"how_to","category_name":"How-to","title":"2026 Sickness Benefit Eligibility: Income Requirements, Payments, and Required Documents by Pilot Area","summary":"In 2026, employed people in Stage 2 and 3 pilot areas may apply for the Sickness Benefit if they are unable to work due to a non-work-related illness or injury. Stage 2 applies income and property requirements, while Stage 3 has no income limit. Daily payment amounts and required documents also vary by insurance enrollment and type of employment.","author":{"name":"Injoys Editorial Team","url":"https://injoys.com/ko/about"},"key_points":["The Stage 2 pilot areas are Anyang, Yongin, Dalseo-gu in Daegu, and Iksan, and income and property requirements apply, including a household income at or below 120% of the median income.","The Stage 3 pilot areas are Chungju, Hongseong, Jeonju, and Wonju, and no separate household income or property limits apply.","In 2026, the Stage 2 daily payment is 49,540 won. In Stage 3, employees enrolled in workplace health insurance receive 60% of their average wage, ranging from 49,540 won to 68,100 won per day.","In addition to a medical certificate for a Sickness Benefit application from a participating medical institution and a work suspension plan, employment insurance enrollment records, an employment contract, business registration, and proof of sales may be required.","Receiving the benefit for the same period as unemployment benefits, parental leave benefits, workers’ compensation temporary disability benefits, or livelihood benefits may be restricted."],"content_markdown":"Sickness benefits provide a certain level of income replacement when an employed person stops working due to an illness or injury unrelated to work. In 2026, the program operates in Phase 2 and Phase 3 pilot areas, with the daily benefit amount and the sales recognition criteria for self-employed people adjusted from January.\n\nSickness benefits are not paid merely because someone has an illness. Eligibility is determined by reviewing all requirements, including the pilot area, age, employment status, income criteria, and whether the applicant actually stopped working. Before obtaining a medical certificate, it is therefore advisable to check eligibility and the application deadline with the National Health Insurance Service branch responsible for your area.\n\n## Differences Between 2026 Pilot Areas and Eligible Applicants\n\nThe biggest differences between Phase 2 and Phase 3 are whether household income and assets are assessed and how benefit amounts are calculated for some insured people.\n\n| Category | Pilot areas | Income and asset requirements | 2026 daily benefit amount |\n|---|---|---|---|\n| Phase 2 | Anyang and Yongin, Gyeonggi; Dalseo-gu, Daegu; Iksan, Jeonbuk | Combined household health insurance premiums must correspond to at most 120% of the median income, and asset criteria apply | KRW 49,540 |\n| Phase 3 | Chungju, Chungbuk; Hongseong-gun, Chungnam; Jeonju, Jeonbuk; Wonju, Gangwon | No income or asset restrictions | For employee-insured National Health Insurance members, 60% of average wages, or KRW 49,540–68,100 per day. For other eligible applicants, KRW 49,540 depending on the applicable criteria |\n\n### Common Basic Requirements\n\nIn principle, employed people who meet the following conditions are eligible for assessment.\n\n- At the time of application, reside in a Phase 2 or Phase 3 pilot area or work at an eligible workplace in that area\n- Generally be an employed person aged at least 15 and less than 65\n- Have a recognized employment status, such as an employee-insured National Health Insurance member, an Employment Insurance or Industrial Accident Compensation Insurance member, or a self-employed person who meets the requirements\n- Be genuinely unable to work due to an illness or injury that is not work-related\n- Stop working beyond the prescribed waiting period and experience a reduction in income\n\nIn some cases, eligibility may be recognized based on the location of the workplace rather than the applicant’s residence, and coverage for foreign nationals may vary depending on their status of stay and other factors. People covered by separate paid sick leave or income protection programs, such as public officials and teaching staff, and recipients of other benefits may be excluded or have their payments restricted.\n\n### Phase 2 Income and Asset Requirements\n\nPhase 2 assesses applicants by household rather than looking only at individual income. Health insurance premiums paid by household members are used to determine whether household income is at most 120% of the median income, while asset criteria are also reviewed using the property tax base and other information.\n\nBecause the result may vary depending on household composition and how health insurance premiums are calculated, eligibility cannot be accurately determined simply by comparing monthly wages with a median income table. Additional documents concerning family relationships and health insurance eligibility may be requested during the application process.\n\n### No Income Restrictions in Phase 3\n\nPhase 3 does not restrict applicants based on household income or assets. However, having no income restrictions does not mean that benefits are paid automatically. The pilot area, age, employment eligibility requirements, non-work-related illness or injury, work stoppage, and restrictions on overlapping benefits are assessed separately.\n\n## 2026 Daily Benefit Amounts and Payment Periods\n\n### Phase 2 Benefit Amount\n\nThe 2026 Phase 2 sickness benefit is KRW 49,540 for each approved benefit day. The actual payment may differ from simply multiplying this amount by the total number of days the applicant did not work. The waiting period for each model is excluded from benefit days, and payment is made only for work-stoppage days or healthcare utilization days approved through the assessment.\n\n### Phase 3 Benefit Amount\n\nFor employee-insured National Health Insurance members in Phase 3, the amount is based on 60% of the calculated average wage. In 2026, the daily minimum is KRW 49,540 and the maximum is KRW 68,100, so payment cannot exceed the maximum even if the actual average wage is higher.\n\nEmployment Insurance or Industrial Accident Compensation Insurance members, self-employed people, and others who are not covered by the average-wage-linked calculation must check the fixed amount applicable to their eligibility category. If the employment relationship or insurance status changed immediately before the application, the amount is calculated based on the eligibility status confirmed by the National Health Insurance Service.\n\n### Waiting Period and Maximum Coverage Period\n\nThe pilot program includes a work-incapacity model that recognizes periods during which a person could not work because of illness and a model based on hospitalization and healthcare utilization days. The waiting period and annual maximum coverage period vary by regional model, and no benefit is paid for the waiting period.\n\n| Main model | Examples of applicable areas | Basis for payment determination | Waiting period and limit details to check |\n|---|---|---|---|\n| Work-incapacity model | Anyang, Dalseo-gu in Daegu, and Phase 3 areas, among others | Reviews the period during which a doctor determined that the applicant could not work and whether the applicant actually stopped working | Approved days after the prescribed waiting period are generally paid, subject to the maximum coverage period for each area |\n| Healthcare utilization days model | Yongin and Iksan | Primarily reviews healthcare utilization days associated with hospitalization | Hospitalization requirements, a waiting period, and a maximum number of payment days may apply separately |\n\nThe operating model and coverage period may be adjusted under the program guidelines for each year. Before applying, applicants should check the National Health Insurance Service’s 2026 regional guidance for the waiting period and maximum number of payment days applicable to their address.\n\n## What to Check Before Applying\n\nIf any of the following is unclear, it is advisable to contact the National Health Insurance Service before obtaining a medical certificate. This is because a fee for issuing a medical certificate specifically for a sickness benefit application may be charged separately from general medical expenses, and a standard medical certificate may not substitute for the designated certificate.\n\n1. Confirm whether your residence or workplace meets the 2026 pilot area requirements.\n2. Confirm whether you are recognized as employed based on your National Health Insurance, Employment Insurance, or Industrial Accident Compensation Insurance enrollment history or self-employment requirements.\n3. Determine whether the illness or injury is unrelated to work.\n4. Confirm whether the medical institution providing treatment participates in the sickness benefit program.\n5. Confirm the application deadline, waiting period, and maximum coverage period applicable to your area.\n6. Check whether you are receiving unemployment benefits, Industrial Accident Compensation Insurance temporary disability benefits, or other benefits for the same period.\n\nFor injuries or illnesses that occurred during work or have a substantial causal relationship with work, eligibility for Industrial Accident Compensation Insurance should be checked before applying for sickness benefits.\n\n## Application Process\n\n### 1. Receive Treatment at a Participating Medical Institution\n\nFind a medical institution participating in the sickness benefit program, receive treatment, and have a doctor determine whether the illness or injury prevents you from working. Under the work-incapacity model, a medical certificate specifically for a sickness benefit application is required rather than a standard medical certificate.\n\nIn areas where the healthcare utilization days model applies, medical records, hospitalization and discharge certificates, and other documents proving hospitalization and related healthcare utilization may be the primary documents. Applicants should therefore check the regional model first.\n\n### 2. Complete a Work Stoppage Plan\n\nEmployees should complete a work stoppage plan after confirming with their employer the planned work stoppage period, work arrangement, whether wages will be paid, and other details. Special-type workers, platform workers, and self-employed people should prepare materials proving their contractual relationships and plans to suspend business activities.\n\nPeriods covered by paid sick leave or temporary closure allowances may be excluded from or adjusted against sickness benefit payment days, so whether wages were paid must be stated accurately.\n\n### 3. Prepare Evidence of Eligibility, Employment, and Sales\n\nPrepare employment and income documents appropriate for your type of work. Self-employed people must check the sales recognition criteria and the evidentiary period that apply from 2026. Employment status is not recognized solely based on business registration; evidence of actual business operations and sales may be required.\n\n### 4. Apply to the National Health Insurance Service\n\nSubmit the documents to the National Health Insurance Service branch responsible for sickness benefit matters. If an online civil service application channel is available on the Service’s website, applicants may apply online. Confirm with the competent branch which other submission methods are permitted, such as in person, by mail, or by fax.\n\nSickness benefit applications may be submitted at any time throughout the year, but individual deadlines apply based on the date of the medical certificate or discharge. Under the work-incapacity model, applicants must apply within the prescribed period after the medical certificate is issued. Under the healthcare utilization days model, they must apply within the prescribed period after discharge. The deadline should therefore be confirmed as soon as the documents are issued.\n\n### 5. Undergo Eligibility and Work Stoppage Assessment\n\nThe National Health Insurance Service verifies the area, age, insurance enrollment, income requirements, and medical condition. If necessary, it may additionally ask the workplace or applicant to verify whether the applicant actually worked and whether wages or sales were generated.\n\n### 6. Receive Payment After Actual Work Stoppage Is Confirmed\n\nThe entire planned period is not automatically approved based solely on the initial application. After confirming that the applicant actually stopped working, the Service pays benefits for approved days excluding the waiting period. If treatment continues for an extended period, documents for an extension application may be required depending on the medical professional’s assessment and the program guidelines.\n\n## Required Documents by Type of Work\n\nSpecific forms and additional documents may vary by area and eligibility category. The table below summarizes the main documents to prepare.\n\n| Category | Common or representative documents | Additional materials that may be prepared |\n|---|---|---|\n| Common | Sickness benefit payment application, consent to the collection and use of personal information, identification, and bank account details in the applicant’s name | Family relationship certificate and documents related to National Health Insurance eligibility |\n| Work-incapacity model | Medical certificate for a sickness benefit application issued by a participating medical institution, medical records, and work stoppage plan | Test results, copies of treatment records, and work stoppage confirmation |\n| Wage earners | Employment contract or proof of employment and a work stoppage plan confirmed by the employer | Payroll ledger, payslips, and records of paid leave or sick leave used |\n| Employment Insurance or Industrial Accident Compensation Insurance members | Documents confirming insurance enrollment history and the labor service relationship | Appointment or service contract and income payment statements |\n| Self-employed people | Business registration documents, business activity and sales reporting documents, and work stoppage plan | Card sales, cash receipts, tax invoices, sales deposit records, and other materials recognized by the Service |\n| Healthcare utilization days model | Hospitalization and discharge certificate and documents related to medical expenses | Proof of outpatient treatment, medical records, and other documents |\n\nEven if document names are similar, there may be separate forms specifically for sickness benefits. Applicants should use the latest forms published by the National Health Insurance Service and also check whether copies may be submitted and whether originals must be retained.\n\n## How Self-Employed People Can Prove Sales\n\nSelf-employed people are assessed on both the period during which their business registration has been maintained and whether they meet the actual sales requirements. Because the sales recognition criteria changed in 2026, the threshold amounts or evidentiary periods in older guidance must not be applied without adjustment.\n\nRepresentative evidence of sales may include the following:\n\n- Credit card or debit card sales slips or card company sales records\n- Cash receipt issuance records\n- Electronic tax invoices and invoices\n- Sales deposit records from a business account\n- Tax documents, such as a VAT tax base certificate\n\nThe Service determines employment status based on sales during the prescribed calculation period. If sales are seasonally concentrated due to the nature of the business or if the business conducts many cash transactions, applicants should first check with the competent branch which documents will be recognized.\n\n## Benefits Subject to Restrictions on Overlapping Support\n\nApplicants cannot simultaneously receive the full amount of sickness benefits and other public benefits that compensate for the same work stoppage period. Representative benefits subject to restrictions include the following:\n\n- Employment Insurance unemployment benefits\n- Employment Insurance maternity leave benefits and childcare leave benefits\n- Industrial Accident Compensation Insurance temporary disability benefits or injury and disease compensation pension\n- National Basic Livelihood Security livelihood benefits\n- Emergency welfare livelihood support\n- Compensation for lost income paid by automobile insurance\n- Separate paid sick leave or work suspension compensation paid by the government or an employer\n\nThe handling method may vary by benefit, including exclusion from eligibility, exclusion of payment for the same period, or adjustment of the difference. If applicants have applied for or are receiving another benefit, they must disclose it on the sickness benefit application and obtain a determination from the Service.\n\n## Final Checklist Before Applying\n\n- [ ] I confirmed whether the applicable area is Anyang, Yongin, Dalseo-gu in Daegu, Iksan, Chungju, Hongseong, Jeonju, or Wonju.\n- [ ] As a Phase 2 applicant, I checked the household income and asset requirements.\n- [ ] As a Phase 3 applicant, I checked the employment and insurance eligibility requirements, which are separate from income restrictions.\n- [ ] I checked the medical institutions participating in the sickness benefit program and the operating model for my area.\n- [ ] I prepared a medical certificate for a sickness benefit application or hospitalization and discharge documents.\n- [ ] I prepared a work stoppage plan and evidence of employment or sales.\n- [ ] I confirmed the application deadline based on the date the medical certificate was issued or the date of discharge.\n- [ ] I checked benefits that may overlap, including unemployment benefits, childcare leave benefits, Industrial Accident Compensation Insurance temporary disability benefits, and livelihood benefits.\n\nThere is no single year-round recruitment deadline for sickness benefits, but individual application deadlines may be short. Rather than waiting until after treatment begins to collect documents, it is important to check the procedure with the National Health Insurance Service customer center or the competent branch when you receive a diagnosis stating that you must stop working.","content_html":"\u003cp\u003eSickness benefits provide a certain level of income replacement when an employed person stops working due to an illness or injury unrelated to work. In 2026, the program operates in Phase 2 and Phase 3 pilot areas, with the daily benefit amount and the sales recognition criteria for self-employed people adjusted from January.\u003c/p\u003e\n\u003cp\u003eSickness benefits are not paid merely because someone has an illness. Eligibility is determined by reviewing all requirements, including the pilot area, age, employment status, income criteria, and whether the applicant actually stopped working. Before obtaining a medical certificate, it is therefore advisable to check eligibility and the application deadline with the National Health Insurance Service branch responsible for your area.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#differences-between-2026-pilot-areas-and-eligible-applicants\" class=\"anchor\" id=\"differences-between-2026-pilot-areas-and-eligible-applicants\"\u003e\u003c/a\u003eDifferences Between 2026 Pilot Areas and Eligible Applicants\u003c/h2\u003e\n\u003cp\u003eThe biggest differences between Phase 2 and Phase 3 are whether household income and assets are assessed and how benefit amounts are calculated for some insured people.\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\u003ePilot areas\u003c/th\u003e\n\u003cth\u003eIncome and asset requirements\u003c/th\u003e\n\u003cth\u003e2026 daily benefit amount\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003ePhase 2\u003c/td\u003e\n\u003ctd data-label=\"Pilot areas\"\u003eAnyang and Yongin, Gyeonggi; Dalseo-gu, Daegu; Iksan, Jeonbuk\u003c/td\u003e\n\u003ctd data-label=\"Income and asset requirements\"\u003eCombined household health insurance premiums must correspond to at most 120% of the median income, and asset criteria apply\u003c/td\u003e\n\u003ctd data-label=\"2026 daily benefit amount\"\u003eKRW 49,540\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003ePhase 3\u003c/td\u003e\n\u003ctd data-label=\"Pilot areas\"\u003eChungju, Chungbuk; Hongseong-gun, Chungnam; Jeonju, Jeonbuk; Wonju, Gangwon\u003c/td\u003e\n\u003ctd data-label=\"Income and asset requirements\"\u003eNo income or asset restrictions\u003c/td\u003e\n\u003ctd data-label=\"2026 daily benefit amount\"\u003eFor employee-insured National Health Insurance members, 60% of average wages, or KRW 49,540–68,100 per day. For other eligible applicants, KRW 49,540 depending on the applicable criteria\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch3\u003e\n\u003ca href=\"#common-basic-requirements\" class=\"anchor\" id=\"common-basic-requirements\"\u003e\u003c/a\u003eCommon Basic Requirements\u003c/h3\u003e\n\u003cp\u003eIn principle, employed people who meet the following conditions are eligible for assessment.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eAt the time of application, reside in a Phase 2 or Phase 3 pilot area or work at an eligible workplace in that area\u003c/li\u003e\n\u003cli\u003eGenerally be an employed person aged at least 15 and less than 65\u003c/li\u003e\n\u003cli\u003eHave a recognized employment status, such as an employee-insured National Health Insurance member, an Employment Insurance or Industrial Accident Compensation Insurance member, or a self-employed person who meets the requirements\u003c/li\u003e\n\u003cli\u003eBe genuinely unable to work due to an illness or injury that is not work-related\u003c/li\u003e\n\u003cli\u003eStop working beyond the prescribed waiting period and experience a reduction in income\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eIn some cases, eligibility may be recognized based on the location of the workplace rather than the applicant’s residence, and coverage for foreign nationals may vary depending on their status of stay and other factors. People covered by separate paid sick leave or income protection programs, such as public officials and teaching staff, and recipients of other benefits may be excluded or have their payments restricted.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#phase-2-income-and-asset-requirements\" class=\"anchor\" id=\"phase-2-income-and-asset-requirements\"\u003e\u003c/a\u003ePhase 2 Income and Asset Requirements\u003c/h3\u003e\n\u003cp\u003ePhase 2 assesses applicants by household rather than looking only at individual income. Health insurance premiums paid by household members are used to determine whether household income is at most 120% of the median income, while asset criteria are also reviewed using the property tax base and other information.\u003c/p\u003e\n\u003cp\u003eBecause the result may vary depending on household composition and how health insurance premiums are calculated, eligibility cannot be accurately determined simply by comparing monthly wages with a median income table. Additional documents concerning family relationships and health insurance eligibility may be requested during the application process.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#no-income-restrictions-in-phase-3\" class=\"anchor\" id=\"no-income-restrictions-in-phase-3\"\u003e\u003c/a\u003eNo Income Restrictions in Phase 3\u003c/h3\u003e\n\u003cp\u003ePhase 3 does not restrict applicants based on household income or assets. However, having no income restrictions does not mean that benefits are paid automatically. The pilot area, age, employment eligibility requirements, non-work-related illness or injury, work stoppage, and restrictions on overlapping benefits are assessed separately.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#2026-daily-benefit-amounts-and-payment-periods\" class=\"anchor\" id=\"2026-daily-benefit-amounts-and-payment-periods\"\u003e\u003c/a\u003e2026 Daily Benefit Amounts and Payment Periods\u003c/h2\u003e\n\u003ch3\u003e\n\u003ca href=\"#phase-2-benefit-amount\" class=\"anchor\" id=\"phase-2-benefit-amount\"\u003e\u003c/a\u003ePhase 2 Benefit Amount\u003c/h3\u003e\n\u003cp\u003eThe 2026 Phase 2 sickness benefit is KRW 49,540 for each approved benefit day. The actual payment may differ from simply multiplying this amount by the total number of days the applicant did not work. The waiting period for each model is excluded from benefit days, and payment is made only for work-stoppage days or healthcare utilization days approved through the assessment.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#phase-3-benefit-amount\" class=\"anchor\" id=\"phase-3-benefit-amount\"\u003e\u003c/a\u003ePhase 3 Benefit Amount\u003c/h3\u003e\n\u003cp\u003eFor employee-insured National Health Insurance members in Phase 3, the amount is based on 60% of the calculated average wage. In 2026, the daily minimum is KRW 49,540 and the maximum is KRW 68,100, so payment cannot exceed the maximum even if the actual average wage is higher.\u003c/p\u003e\n\u003cp\u003eEmployment Insurance or Industrial Accident Compensation Insurance members, self-employed people, and others who are not covered by the average-wage-linked calculation must check the fixed amount applicable to their eligibility category. If the employment relationship or insurance status changed immediately before the application, the amount is calculated based on the eligibility status confirmed by the National Health Insurance Service.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#waiting-period-and-maximum-coverage-period\" class=\"anchor\" id=\"waiting-period-and-maximum-coverage-period\"\u003e\u003c/a\u003eWaiting Period and Maximum Coverage Period\u003c/h3\u003e\n\u003cp\u003eThe pilot program includes a work-incapacity model that recognizes periods during which a person could not work because of illness and a model based on hospitalization and healthcare utilization days. The waiting period and annual maximum coverage period vary by regional model, and no benefit is paid for the waiting period.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eMain model\u003c/th\u003e\n\u003cth\u003eExamples of applicable areas\u003c/th\u003e\n\u003cth\u003eBasis for payment determination\u003c/th\u003e\n\u003cth\u003eWaiting period and limit details to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Main model\"\u003eWork-incapacity model\u003c/td\u003e\n\u003ctd data-label=\"Examples of applicable areas\"\u003eAnyang, Dalseo-gu in Daegu, and Phase 3 areas, among others\u003c/td\u003e\n\u003ctd data-label=\"Basis for payment determination\"\u003eReviews the period during which a doctor determined that the applicant could not work and whether the applicant actually stopped working\u003c/td\u003e\n\u003ctd data-label=\"Waiting period and limit details to check\"\u003eApproved days after the prescribed waiting period are generally paid, subject to the maximum coverage period for each area\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Main model\"\u003eHealthcare utilization days model\u003c/td\u003e\n\u003ctd data-label=\"Examples of applicable areas\"\u003eYongin and Iksan\u003c/td\u003e\n\u003ctd data-label=\"Basis for payment determination\"\u003ePrimarily reviews healthcare utilization days associated with hospitalization\u003c/td\u003e\n\u003ctd data-label=\"Waiting period and limit details to check\"\u003eHospitalization requirements, a waiting period, and a maximum number of payment days may apply separately\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe operating model and coverage period may be adjusted under the program guidelines for each year. Before applying, applicants should check the National Health Insurance Service’s 2026 regional guidance for the waiting period and maximum number of payment days applicable to their address.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#what-to-check-before-applying\" class=\"anchor\" id=\"what-to-check-before-applying\"\u003e\u003c/a\u003eWhat to Check Before Applying\u003c/h2\u003e\n\u003cp\u003eIf any of the following is unclear, it is advisable to contact the National Health Insurance Service before obtaining a medical certificate. This is because a fee for issuing a medical certificate specifically for a sickness benefit application may be charged separately from general medical expenses, and a standard medical certificate may not substitute for the designated certificate.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eConfirm whether your residence or workplace meets the 2026 pilot area requirements.\u003c/li\u003e\n\u003cli\u003eConfirm whether you are recognized as employed based on your National Health Insurance, Employment Insurance, or Industrial Accident Compensation Insurance enrollment history or self-employment requirements.\u003c/li\u003e\n\u003cli\u003eDetermine whether the illness or injury is unrelated to work.\u003c/li\u003e\n\u003cli\u003eConfirm whether the medical institution providing treatment participates in the sickness benefit program.\u003c/li\u003e\n\u003cli\u003eConfirm the application deadline, waiting period, and maximum coverage period applicable to your area.\u003c/li\u003e\n\u003cli\u003eCheck whether you are receiving unemployment benefits, Industrial Accident Compensation Insurance temporary disability benefits, or other benefits for the same period.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eFor injuries or illnesses that occurred during work or have a substantial causal relationship with work, eligibility for Industrial Accident Compensation Insurance should be checked before applying for sickness benefits.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#application-process\" class=\"anchor\" id=\"application-process\"\u003e\u003c/a\u003eApplication Process\u003c/h2\u003e\n\u003ch3\u003e\n\u003ca href=\"#1-receive-treatment-at-a-participating-medical-institution\" class=\"anchor\" id=\"1-receive-treatment-at-a-participating-medical-institution\"\u003e\u003c/a\u003e1. Receive Treatment at a Participating Medical Institution\u003c/h3\u003e\n\u003cp\u003eFind a medical institution participating in the sickness benefit program, receive treatment, and have a doctor determine whether the illness or injury prevents you from working. Under the work-incapacity model, a medical certificate specifically for a sickness benefit application is required rather than a standard medical certificate.\u003c/p\u003e\n\u003cp\u003eIn areas where the healthcare utilization days model applies, medical records, hospitalization and discharge certificates, and other documents proving hospitalization and related healthcare utilization may be the primary documents. Applicants should therefore check the regional model first.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#2-complete-a-work-stoppage-plan\" class=\"anchor\" id=\"2-complete-a-work-stoppage-plan\"\u003e\u003c/a\u003e2. Complete a Work Stoppage Plan\u003c/h3\u003e\n\u003cp\u003eEmployees should complete a work stoppage plan after confirming with their employer the planned work stoppage period, work arrangement, whether wages will be paid, and other details. Special-type workers, platform workers, and self-employed people should prepare materials proving their contractual relationships and plans to suspend business activities.\u003c/p\u003e\n\u003cp\u003ePeriods covered by paid sick leave or temporary closure allowances may be excluded from or adjusted against sickness benefit payment days, so whether wages were paid must be stated accurately.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#3-prepare-evidence-of-eligibility-employment-and-sales\" class=\"anchor\" id=\"3-prepare-evidence-of-eligibility-employment-and-sales\"\u003e\u003c/a\u003e3. Prepare Evidence of Eligibility, Employment, and Sales\u003c/h3\u003e\n\u003cp\u003ePrepare employment and income documents appropriate for your type of work. Self-employed people must check the sales recognition criteria and the evidentiary period that apply from 2026. Employment status is not recognized solely based on business registration; evidence of actual business operations and sales may be required.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#4-apply-to-the-national-health-insurance-service\" class=\"anchor\" id=\"4-apply-to-the-national-health-insurance-service\"\u003e\u003c/a\u003e4. Apply to the National Health Insurance Service\u003c/h3\u003e\n\u003cp\u003eSubmit the documents to the National Health Insurance Service branch responsible for sickness benefit matters. If an online civil service application channel is available on the Service’s website, applicants may apply online. Confirm with the competent branch which other submission methods are permitted, such as in person, by mail, or by fax.\u003c/p\u003e\n\u003cp\u003eSickness benefit applications may be submitted at any time throughout the year, but individual deadlines apply based on the date of the medical certificate or discharge. Under the work-incapacity model, applicants must apply within the prescribed period after the medical certificate is issued. Under the healthcare utilization days model, they must apply within the prescribed period after discharge. The deadline should therefore be confirmed as soon as the documents are issued.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#5-undergo-eligibility-and-work-stoppage-assessment\" class=\"anchor\" id=\"5-undergo-eligibility-and-work-stoppage-assessment\"\u003e\u003c/a\u003e5. Undergo Eligibility and Work Stoppage Assessment\u003c/h3\u003e\n\u003cp\u003eThe National Health Insurance Service verifies the area, age, insurance enrollment, income requirements, and medical condition. If necessary, it may additionally ask the workplace or applicant to verify whether the applicant actually worked and whether wages or sales were generated.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#6-receive-payment-after-actual-work-stoppage-is-confirmed\" class=\"anchor\" id=\"6-receive-payment-after-actual-work-stoppage-is-confirmed\"\u003e\u003c/a\u003e6. Receive Payment After Actual Work Stoppage Is Confirmed\u003c/h3\u003e\n\u003cp\u003eThe entire planned period is not automatically approved based solely on the initial application. After confirming that the applicant actually stopped working, the Service pays benefits for approved days excluding the waiting period. If treatment continues for an extended period, documents for an extension application may be required depending on the medical professional’s assessment and the program guidelines.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#required-documents-by-type-of-work\" class=\"anchor\" id=\"required-documents-by-type-of-work\"\u003e\u003c/a\u003eRequired Documents by Type of Work\u003c/h2\u003e\n\u003cp\u003eSpecific forms and additional documents may vary by area and eligibility category. The table below summarizes the main documents to prepare.\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\u003eCommon or representative documents\u003c/th\u003e\n\u003cth\u003eAdditional materials that may be prepared\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eCommon\u003c/td\u003e\n\u003ctd data-label=\"Common or representative documents\"\u003eSickness benefit payment application, consent to the collection and use of personal information, identification, and bank account details in the applicant’s name\u003c/td\u003e\n\u003ctd data-label=\"Additional materials that may be prepared\"\u003eFamily relationship certificate and documents related to National Health Insurance eligibility\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eWork-incapacity model\u003c/td\u003e\n\u003ctd data-label=\"Common or representative documents\"\u003eMedical certificate for a sickness benefit application issued by a participating medical institution, medical records, and work stoppage plan\u003c/td\u003e\n\u003ctd data-label=\"Additional materials that may be prepared\"\u003eTest results, copies of treatment records, and work stoppage confirmation\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eWage earners\u003c/td\u003e\n\u003ctd data-label=\"Common or representative documents\"\u003eEmployment contract or proof of employment and a work stoppage plan confirmed by the employer\u003c/td\u003e\n\u003ctd data-label=\"Additional materials that may be prepared\"\u003ePayroll ledger, payslips, and records of paid leave or sick leave used\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eEmployment Insurance or Industrial Accident Compensation Insurance members\u003c/td\u003e\n\u003ctd data-label=\"Common or representative documents\"\u003eDocuments confirming insurance enrollment history and the labor service relationship\u003c/td\u003e\n\u003ctd data-label=\"Additional materials that may be prepared\"\u003eAppointment or service contract and income payment statements\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eSelf-employed people\u003c/td\u003e\n\u003ctd data-label=\"Common or representative documents\"\u003eBusiness registration documents, business activity and sales reporting documents, and work stoppage plan\u003c/td\u003e\n\u003ctd data-label=\"Additional materials that may be prepared\"\u003eCard sales, cash receipts, tax invoices, sales deposit records, and other materials recognized by the Service\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Category\"\u003eHealthcare utilization days model\u003c/td\u003e\n\u003ctd data-label=\"Common or representative documents\"\u003eHospitalization and discharge certificate and documents related to medical expenses\u003c/td\u003e\n\u003ctd data-label=\"Additional materials that may be prepared\"\u003eProof of outpatient treatment, medical records, and other documents\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eEven if document names are similar, there may be separate forms specifically for sickness benefits. Applicants should use the latest forms published by the National Health Insurance Service and also check whether copies may be submitted and whether originals must be retained.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-self-employed-people-can-prove-sales\" class=\"anchor\" id=\"how-self-employed-people-can-prove-sales\"\u003e\u003c/a\u003eHow Self-Employed People Can Prove Sales\u003c/h2\u003e\n\u003cp\u003eSelf-employed people are assessed on both the period during which their business registration has been maintained and whether they meet the actual sales requirements. Because the sales recognition criteria changed in 2026, the threshold amounts or evidentiary periods in older guidance must not be applied without adjustment.\u003c/p\u003e\n\u003cp\u003eRepresentative evidence of sales may include the following:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eCredit card or debit card sales slips or card company sales records\u003c/li\u003e\n\u003cli\u003eCash receipt issuance records\u003c/li\u003e\n\u003cli\u003eElectronic tax invoices and invoices\u003c/li\u003e\n\u003cli\u003eSales deposit records from a business account\u003c/li\u003e\n\u003cli\u003eTax documents, such as a VAT tax base certificate\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eThe Service determines employment status based on sales during the prescribed calculation period. If sales are seasonally concentrated due to the nature of the business or if the business conducts many cash transactions, applicants should first check with the competent branch which documents will be recognized.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#benefits-subject-to-restrictions-on-overlapping-support\" class=\"anchor\" id=\"benefits-subject-to-restrictions-on-overlapping-support\"\u003e\u003c/a\u003eBenefits Subject to Restrictions on Overlapping Support\u003c/h2\u003e\n\u003cp\u003eApplicants cannot simultaneously receive the full amount of sickness benefits and other public benefits that compensate for the same work stoppage period. Representative benefits subject to restrictions include the following:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eEmployment Insurance unemployment benefits\u003c/li\u003e\n\u003cli\u003eEmployment Insurance maternity leave benefits and childcare leave benefits\u003c/li\u003e\n\u003cli\u003eIndustrial Accident Compensation Insurance temporary disability benefits or injury and disease compensation pension\u003c/li\u003e\n\u003cli\u003eNational Basic Livelihood Security livelihood benefits\u003c/li\u003e\n\u003cli\u003eEmergency welfare livelihood support\u003c/li\u003e\n\u003cli\u003eCompensation for lost income paid by automobile insurance\u003c/li\u003e\n\u003cli\u003eSeparate paid sick leave or work suspension compensation paid by the government or an employer\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eThe handling method may vary by benefit, including exclusion from eligibility, exclusion of payment for the same period, or adjustment of the difference. If applicants have applied for or are receiving another benefit, they must disclose it on the sickness benefit application and obtain a determination from the Service.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#final-checklist-before-applying\" class=\"anchor\" id=\"final-checklist-before-applying\"\u003e\u003c/a\u003eFinal Checklist Before Applying\u003c/h2\u003e\n\u003cul\u003e\n\u003cli\u003e I confirmed whether the applicable area is Anyang, Yongin, Dalseo-gu in Daegu, Iksan, Chungju, Hongseong, Jeonju, or Wonju.\u003c/li\u003e\n\u003cli\u003e As a Phase 2 applicant, I checked the household income and asset requirements.\u003c/li\u003e\n\u003cli\u003e As a Phase 3 applicant, I checked the employment and insurance eligibility requirements, which are separate from income restrictions.\u003c/li\u003e\n\u003cli\u003e I checked the medical institutions participating in the sickness benefit program and the operating model for my area.\u003c/li\u003e\n\u003cli\u003e I prepared a medical certificate for a sickness benefit application or hospitalization and discharge documents.\u003c/li\u003e\n\u003cli\u003e I prepared a work stoppage plan and evidence of employment or sales.\u003c/li\u003e\n\u003cli\u003e I confirmed the application deadline based on the date the medical certificate was issued or the date of discharge.\u003c/li\u003e\n\u003cli\u003e I checked benefits that may overlap, including unemployment benefits, childcare leave benefits, Industrial Accident Compensation Insurance temporary disability benefits, and livelihood benefits.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eThere is no single year-round recruitment deadline for sickness benefits, but individual application deadlines may be short. Rather than waiting until after treatment begins to collect documents, it is important to check the procedure with the National Health Insurance Service customer center or the competent branch when you receive a diagnosis stating that you must stop working.\u003c/p\u003e\n","tags":["Health insurance","Sickness benefit","Medical leave","Income security","Welfare system"],"faqs":[{"question":"Can I apply for the 2026 sickness benefit anywhere in the country?","answer":"No. It is currently available to employed persons who meet the requirements in the Phase 2 areas of Anyang, Yongin, Dalseo-gu in Daegu, and Iksan, and the Phase 3 areas of Chungju, Hongseong, Jeonju, and Wonju. You must check with the National Health Insurance Service to determine whether eligibility can be based on your workplace location rather than your place of residence."},{"question":"Can I apply in a Phase 3 pilot area even if my income is high?","answer":"Phase 3 has no separate household income or asset limits. However, you must meet the remaining conditions regarding age, employment status, insurance enrollment history, area, non-work-related illness or injury, and actual cessation of work."},{"question":"Is the Phase 2 threshold of 120% of the median income determined based on an individual's monthly salary?","answer":"Generally, it is determined by adding together the health insurance premiums of household members rather than comparing only the individual's monthly salary. An asset threshold also applies, so the result may vary depending on family relationships and health insurance eligibility."},{"question":"How much is the 2026 sickness benefit per day?","answer":"For Phase 2, the benefit is KRW 49,540 for each approved payment day. For Phase 3 employees covered by workplace health insurance, 60% of average wages applies, with a daily minimum of KRW 49,540 and a daily maximum of KRW 68,100. The actual amount paid varies depending on the waiting period and the number of approved days."},{"question":"Can self-employed people also apply for the sickness benefit?","answer":"You may be eligible to apply if you meet the requirements for the duration of business registration, actual business activity, and the 2026 recognized sales criteria. Proof of sales recognized by the National Health Insurance Service is required, such as card sales records, cash receipts, tax invoices, or deposit records for a business account."},{"question":"Can I apply for the sickness benefit with a standard medical certificate?","answer":"Under the inability-to-work scheme, a medical certificate specifically for a sickness benefit application issued by a participating medical institution is required. A standard medical certificate may not be accepted as a substitute, so before it is issued, you must confirm whether the medical institution participates and whether it uses the designated form."},{"question":"Can I receive the sickness benefit if I continue working without taking time off after being diagnosed with an illness?","answer":"In principle, this is difficult. The sickness benefit compensates for income during a period when a person was actually unable to work because of an illness or injury, rather than being based on the diagnosis itself, so the cessation of work is verified."},{"question":"What is the deadline for applying for the sickness benefit?","answer":"Applications are accepted on a rolling basis rather than through a single year-round recruitment period with a set deadline, but each individual has an application deadline based on the date the medical certificate was issued or the date of discharge from the hospital. Deadlines may differ by the scheme used in each area, so you must check with the relevant National Health Insurance Service branch as soon as the documents are issued."},{"question":"Should I apply for the sickness benefit if I was injured at work?","answer":"In principle, the sickness benefit covers non-work-related illnesses and injuries. If the incident may qualify as an occupational accident, you must first check whether medical care benefits and temporary disability benefits under Industrial Accident Compensation Insurance apply."},{"question":"Can I receive unemployment benefits and the sickness benefit at the same time?","answer":"Duplicate payments for the same period may be restricted. If you receive other income security benefits, including parental leave benefits, temporary disability benefits under Industrial Accident Compensation Insurance, or livelihood benefits, in addition to unemployment benefits, you must disclose them on the application and undergo review by the National Health Insurance Service."},{"question":"Is the sickness benefit paid during the waiting period?","answer":"No. The waiting period is a period during which no benefit is paid even if you take time off work. After that period has passed, payment is made for days when work was suspended or medical services were used, as approved by the National Health Insurance Service."}],"sources":[{"url":"https://www.bokjiro.go.kr/ssis-tbu/twataa/wlfareInfo/moveTWAT52011M.do?wlfareInfoId=WLF00004997\u0026wlfareInfoReldBztpCd=01","title":"Welfare Service Information on the Bokjiro Sickness Benefits Pilot Program","type":"source"},{"url":"https://www.mohw.go.kr/menu.es?mid=a10705020300","title":"Ministry of Health and Welfare Guide to the Sickness Benefits Pilot Program","type":"source"},{"url":"https://www.nhis.or.kr/renewal_popup/poster/20260204_poster_longdesc_1.html","title":"National Health Insurance Service 2026 Sickness Benefits Guide","type":"data_point"}],"images":[{"id":425,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6NTAxMSwicHVyIjoiYmxvYl9pZCJ9fQ==--730f523b66bbe843ffbf2393e5c7382efca0d942/ai-f0c4e1d1.webp","is_representative":true,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"병원, 환자, 근로자, 동전과 보호 방패가 지역 지도 위에 배치된 상병수당 안내 일러스트","caption":"시범지역별 근로자와 의료·소득 지원을 상징적으로 보여준다.","description":null},"en":{"alt":"Regional map with a hospital, patient, workers, coins, scales, and a protective shield","caption":"The illustration symbolizes medical and income support for workers across pilot regions.","description":null},"ja":{"alt":"地域地図に病院、患者、働く人々、硬貨、天秤、保護の盾を描いたイラスト","caption":"モデル地域ごとの労働者に対する医療・所得保障を表している。","description":null},"es":{"alt":"Mapa regional con hospital, paciente, trabajadores, monedas, balanza y escudo protector","caption":"La ilustración representa el apoyo médico y económico a trabajadores en regiones piloto.","description":null},"id":{"alt":"Peta wilayah dengan rumah sakit, pasien, pekerja, koin, timbangan, dan perisai perlindungan","caption":"Ilustrasi ini melambangkan dukungan medis dan pendapatan bagi pekerja di wilayah percontohan.","description":null},"pt":{"alt":"Mapa regional com hospital, paciente, trabalhadores, moedas, balança e escudo de proteção","caption":"A ilustração simboliza apoio médico e de renda aos trabalhadores nas regiões-piloto.","description":null},"zh-hant":{"alt":"區域地圖上有醫院、病患、各類工作者、硬幣、天平與防護盾牌","caption":"插圖象徵試辦地區為勞工提供醫療與所得保障。","description":null},"de":{"alt":"Regionalkarte mit Krankenhaus, Patient, Beschäftigten, Münzen, Waage und Schutzschild","caption":"Die Illustration steht für medizinische und finanzielle Hilfe in den Modellregionen.","description":null}}},{"id":426,"url":"https://injoys.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6NTAxNywicHVyIjoiYmxvYl9pZCJ9fQ==--0e0dfe9d5e73c247fc7df44f4a0a7599b8a23bf0/ai-b525a5cd.webp","is_representative":false,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"병원 앞에서 쉬는 환자와 서류·달력·카드·은행·지급금으로 이어지는 상병수당 절차","caption":"상병수당 신청부터 심사와 지급까지의 과정과 제외 항목을 보여주는 일러스트입니다.","description":null},"en":{"alt":"Patient resting by a hospital beside a pathway of documents, calendar, bank card and benefit payment","caption":"The illustration shows the sickness benefit application, review and payment process alongside excluded items.","description":null},"ja":{"alt":"病院前で休む患者と、書類・カレンダー・カード・銀行・給付金へ続く傷病手当の流れ","caption":"傷病手当の申請から審査、支給までの流れと対象外項目を示しています。","description":null},"es":{"alt":"Paciente descansando ante un hospital junto a una ruta de documentos, calendario, tarjeta, banco y pago","caption":"La ilustración muestra la solicitud, la evaluación y el pago del subsidio por enfermedad, además de las exclusiones.","description":null},"id":{"alt":"Pasien beristirahat di depan rumah sakit dengan alur dokumen, kalender, kartu, bank, dan pembayaran","caption":"Ilustrasi ini menunjukkan proses pengajuan, penilaian, dan pembayaran tunjangan sakit serta hal yang dikecualikan.","description":null},"pt":{"alt":"Paciente em repouso diante de hospital com percurso de documentos, calendário, cartão, banco e pagamento","caption":"A ilustração mostra a solicitação, a análise e o pagamento do benefício por doença, além dos itens excluídos.","description":null},"zh-hant":{"alt":"病患在醫院前休養，旁邊呈現文件、日曆、卡片、銀行與給付金的申請流程","caption":"插圖呈現傷病津貼從申請、審核到撥款的流程，以及不適用的項目。","description":null},"de":{"alt":"Patient ruht vor einem Krankenhaus neben einem Ablauf aus Dokumenten, Kalender, Karte, Bank und Auszahlung","caption":"Die Illustration zeigt Antrag, Prüfung und Auszahlung des Krankengelds sowie ausgeschlossene Bereiche.","description":null}}}],"published_at":"2026-08-02T16:46:09+09:00","updated_at":"2026-08-02T16:46:09+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/2026-korea-sickness-benefit-application-guide"}