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<Question> I am a foreign worker. I am looking for a different job after working for a company. However, I received a notice to my home asking me to pay for health insurance. Don’t you pay health insurance premiums only when you have a job?
<Answer> Foreign workers who are switching workplaces sometime gets a health insurance premium bill and are puzzled. Health insurance premiums must be paid even while switching a business. It automatically switches from 'workplace insured' to 'local insured'. Insurance premiums are also billed directly to the foreign worker. If you get sick even if you don't have a workplace, you have to get medical treatment, so it is natural to pay health insurance premiums.
1. Insurance premium changes when you become a local insured
The health insurance premium of ‘workplace insured’ is determined by adding 6.99% of monthly salary plus long-term care insurance premium (12.27% of health insurance premium). When working, the employer pays 50% and the employee pays 50%. However, if you are converted to a 'local insured', you will have to pay 100% yourself. At this time, the Korean government applies the average insurance premium of all insured persons in the previous year because it cannot determine the income or property of foreigners. The average insurance premium this year is 140,070 won (56,030 won with a 60% reduction for international students). Of course, once the change of workplace is completed, you will be changed to a workplace insured again, and insurance premiums will be charged according to your income.
One thing, we must not forget that foreign workers (D-3, E-9, H-2) who have joined the workplace can apply for joined exclusion from long-term care insurance.
2. Foreigners will lose their qualifications if they stay abroad for more than one month
Foreign workers often return to their home countries while switching workplaces. It doesn't matter if you visit within 1 month, but if it exceeds 1 month, foreigners will lose their health insurance qualification. If you succeed in getting a job right after entering the country, you can immediately obtain qualifications as a workplace insured. However, local insured have different methods depending on their status of residence.
D-2, D-4-3, E-9, F-5 status of residence automatically acquires local insured status after entry.
The remaining status of residence can be obtained after 6 months of entry into the country.
3. Reduction of health insurance premiums for rural residents and agricultural and fishery workers
Most foreign workers are covered by health insurance as 'workplace insured', but foreign workers who work in agricultural, livestock and fishery places without business registration are applied as 'local insured. Then premiums are too expensive, so you can get up to 50% premium exemption. In other words, you can receive an exemption (22%) for ‘rural residents’ and an exemption for ‘farmers and fishermen’ (up to 28%). However, for ‘agricultural and fisherman health insurance premium support’, the foreign worker himself/herself must apply to the Insurance Corporation. For more information on how to apply, you can get help from the National Health Insurance Alien Civil Service Center.
☎ 033-811-2000 Consultation available in foreign languages (English, Chinese, Vietnamese, Uzbek)
Source Gyeongsangnam-do Foreign Residents Support Center
Papaya Story
Legal Consultation for Foreign Residents ‘Papaya Story Living Legal Visa Support Center’ English 031-8001-0211 / Law Firm (Limited) Min ‘Immigration Legal Support Team’ 02-3477-5550, email: beobil2002@lawmin.net
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