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Most
local governments in Korea purchase safety insurance to protect citizens from
daily hazards. This safety insurance protects all registered foreigners just
like Koreans. However, the content of insurance varies by local government.
Let's take a look at the types of insurance that automatically covers
foreigners.
Safety insurance
Busan
Metropolitan City operates the ‘Busan Metropolitan City Citizen Safety
Insurance’, which pays up to 10 million won in insurance money to citizens
affected by disaster and safety accidents such as fires and collapses.
The
Citizens Safety Insurance is designed to support the stability of life of
citizens who have suffered from various disasters and accidents, and signs a
contract with an insurance agency for all citizen and pays the full premium.
The
5 guaranteed items are: ▲ Fire explosion and
collapse injury and death ▲ Fire and explosion
collapse injury and disability ▲ Injury death while using public
transport ▲ Aftermath disability
while using public transportation ▲ School zone child traffic accident
injury treatment expenses (under 12 years old).
In
particular, in the case of school zone children's traffic accident injury
treatment costs, a wide range of coverage is available from major to minor
injuries.
Citizens'
safety insurance beneficiaries are all citizens registered as residents in
Busan, including registered foreigners. It is automatically enrolled in a batch
without a separate application process and is automatically subscribed or
canceled when moving in or out within the insurance period.
The
insurance period is one year from February 2022 to January 2023, and insurance
claims can be made for three years from the date of occurrence of an accident
or the date of judgment of aftereffects.
In
the event of a claim for insurance, please contact the insurance company's
integrated counseling center and submit the application to the insurance
company along with the required documents.
Jangseong-gun,
Jeollanam-do also operates the ‘Gun Citizen Safety Insurance’.
In
the event of an unpredictable disaster, disaster, or safety accident,
Jangseong-gun residents receive an insurance benefit of up to 20 million won.
Duplicate compensation is possible even if you have other insurance.
There
are 14 insurance items, including natural disasters such as ▲sunstroke and heat stroke, ▲explosions, fires, collapses, ▲public transport accidents, ▲hit and run, uninsured vehicles, ▲ robbery, ▲drowning accidents, and ▲ injuries, deaths and aftereffects
caused by safety accidents on agricultural machinery.
Most
other local governments also operate civil safety insurance, so if you are in
an accident, don't forget to contact the city hall or county office.
Bicycle
insurance
In
addition to citizen safety insurance, Gwangyang City operates bicycle insurance
for all citizens, including registered foreigners, to support the safe use of
bicycles.
According
to resident registration, any Gwangyang citizen (including foreigners) can
receive insurance benefits, and the period is from January 26, 2022 to January
25, 2023 (one year).
The
main coverage includes bicycle fatal accidents and aftereffects, diagnosis
consolation, hospitalization consolation, bicycle accident fines, attorney
fees, and bicycle accident treatment subsidies. Each local government operates
or does not operate bicycle insurance, so you should check with the city hall
or county office.
Reporter
Song Hasung
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