2026 National Health Insurance Refund (Out-of-Pocket Maximum)
What is the Out-of-Pocket Maximum?
A welfare system where the corporation refunds the excess amount if the total annual out-of-pocket health insurance expenses exceed the maximum limit based on individual income brackets, to relieve the household burden caused by excessive medical expenses.
Types of Refunds
- Overpayment Refund: Amount returned if health insurance premiums were double-paid or overpaid due to changes in qualifications, etc.
- Out-of-Pocket Maximum: Refund for the excess of the hospital bill limit.
Application Period and Statute of Limitations
If the refund is not applied for within 3 years from the date of occurrence, it reverts to the national treasury and expires, so it is important to check and apply periodically.
👤 Eligibility
Those who overpaid health insurance premiums and subscribers with medical expenses exceeding the out-of-pocket maximum limit
📝 How to Apply
Log in to the National Health Insurance Service website or mobile app, then use the [Refund Inquiry/Application] menu
Related Policies
K-Pass (Public Transportation Expense Refund Support)
A transportation cost reduction card that refunds a certain percentage (general 20%, youth 30%, low-income 53%) of the amount spent on public transportation if used 15 or more times a month.
👤 Residents aged 19 or older registered in municipalities participating in the K-Pass project.
Climate Card
An integrated public transit pass that offers unlimited rides on subways, buses, and public bicycles for 30 days with a single charge, providing additional discounts for youth.
👤 Any citizen (Youth discount limited to ages 19-39)
2026 Everyone's Card Public Transport Refund
Replacing the K-Pass, this policy refunds a higher percentage of public transport costs for users making 15 or more trips per month.
👤 Any citizen aged 19+ (when using public transport 15+ times a month)