Student health insurance: who joins and how to use it
Last checked: 2026-11-10
This is general information. Rules and criteria can change and differ by situation, so confirm the latest details on HiKorea or with your school's international office before applying. It is not legal advice.
International students who stay in Korea beyond a certain period join the National Health Insurance (NHIS). It greatly reduces medical costs, so sort it out soon after arrival.
Who joins?
International students staying in Korea beyond a certain period are covered by the National Health Insurance Service (NHIS). The timing and method can depend on your length of stay and your school.
Schools often give group guidance or help you apply, so ask your international office first.
How to enroll and pay
- Finish your alien registration (guide).
- Enroll through your school's guidance or the NHIS.
- Pay the premium monthly by the method you are given (bill, auto-debit, etc.). Amounts and rules can change.
- Show your insurance card or ID at the hospital and pay only part of the cost.
Using hospitals
- Start at a neighborhood clinic, then move to a larger hospital if needed.
- Ask whether your treatment is covered and what you pay before treatment.
- Get medicine at a pharmacy with a prescription.
- If language is a worry, ask your school about interpreter support or use a translation app.
Do I need private insurance too?
National insurance does not cover everything, and there can be a gap right after arrival. Check your school's guidance on private student insurance as well.
Official sources
- National Health Insurance Service (nhis.or.kr)
- Immigration Contact Center 1345: multilingual phone help
- The international office at your school
Frequently asked questions
How much is the premium?
Rules and amounts can change. Check the latest with the NHIS or your school.
What if I don't enroll?
If you must enroll and don't, there can be disadvantages, and it may be checked when you extend your stay. Ask your school first.
Can I get care in a foreign language?
Some hospitals are foreigner-friendly or offer interpreters. Ask your international office or a local foreigner support center.