Insurance claims for visitors

Saw a doctor in Korea? Documents for your travel insurance claim

If you were treated at a hospital or clinic while traveling in Korea, collect the paperwork for your insurance claim before you fly home. This guide covers what each document is, where to get it and how to ask for it.

1. Call your insurer

Confirm documents and claim method

2. Treatment & payment

Keep the receipt and proof of payment

3. Get documents

Itemized statement, certificate, etc.

4. Claim at home

Submit within your insurer's deadline

Section 1

How a claim usually works

The key is to collect your documents before you leave Korea.

1

Contact your insurer first

Before or right after treatment, call your insurer's emergency assistance line and confirm which documents you need and how to claim. Some policies require you to contact them in advance for costly care such as hospitalization or surgery.

2

Get treated and pay

Visitors without Korean national health insurance usually pay the full bill themselves first. Direct payment from the insurer to the hospital is only possible when the two have an arrangement, so check with your insurer.

3

Collect documents before you leave

Besides the receipt you get when you pay, the itemized statement and medical certificate often have to be requested separately. Get the documents your insurer asks for, from the table below, at the hospital and pharmacy.

4

File the claim at home

Submit the documents the way your insurer specifies. The claim deadline and whether originals or copies are accepted differ by policy, so check your policy wording.

Section 2

Documents used for insurance claims

Insurers ask for different documents. These are the ones you can get from Korean hospitals and pharmacies.

DocumentKorean nameWhat it showsWhere to get it
Medical bill / receipt진료비 계산서·영수증The basic proof: the total amount you paid and the date of treatment.Payment desk (when you pay)
Itemized statement진료비 세부내역서A breakdown of costs by item, such as tests, procedures and medication. It often has to be requested separately from the receipt.Payment desk or administration office (on request)
Medical certificate (diagnosis)진단서States the diagnosis and the doctor's opinion. It is written by the doctor who treated you, and there is an issuing fee.Certificate desk or the department
Certificate of treatment / outpatient visit진료확인서·통원확인서Confirms that you were treated and on which dates.Certificate desk
Certificate of hospitalization입퇴원확인서Confirms the period of your hospital stay (if you were admitted).Certificate desk
Prescription (patient copy)처방전(환자보관용)Lists the names and doses of the prescribed medicine. Ask for the patient copy in addition to the one you hand to the pharmacy.Hospital (after the consultation)
Pharmacy receipt약국 영수증Proof of what you paid for medicine at the pharmacy.Pharmacy
Medical records / test results의무기록 사본·검사 결과지Submitted when the insurer asks for more. Identity verification is required to issue them.Medical records desk
Proof of payment카드 전표 등 결제 증빙Shows that you paid the bill yourself, for example a card slip.When you pay
Which documents you need depends on your insurer and policy. Some documents carry an issuing fee, so check the list your insurer requires before you request them.
Section 3

Asking the hospital for documents

Desk names and procedures differ by the size of the hospital.

Good to know when you ask

The hospital's own instructions come first

  • Bring your passport for identity verification
  • At large hospitals ask at the certificate desk or administration office; at small clinics ask at the reception desk
  • Ask first whether documents can be issued in English (availability and time needed differ by hospital)
  • Medical certificates and similar documents carry an issuing fee, and the fees are posted inside the hospital
  • A medical certificate may not be ready the same day, so tell them your departure date and confirm how you will receive it
  • If your insurer's own claim form needs a doctor's signature, bring the form and ask during the consultation
  • Check on the spot that your name is spelled as in your passport and that the treatment dates are correct

Korean phrases for the desk

You can simply show these sentences to the staff

  • 보험 청구용 서류가 필요합니다.
    I need documents for an insurance claim.
  • 진료비 영수증과 세부내역서를 주세요.
    Please give me the receipt and the itemized statement.
  • 진단서를 영문으로 발급받을 수 있나요?
    Can I get the medical certificate in English?
  • 환자보관용 처방전도 주세요.
    Please also give me the patient copy of the prescription.
  • 언제 받을 수 있나요? ○월 ○일에 출국합니다.
    When can I get it? I am leaving Korea on (month/day).
Section 4

What to check before you leave

Go through this once more before heading to the airport.

Before departure

Documents are hard to get again once you are home

  • If you visited more than once, make sure you have a receipt and itemized statement for each visit
  • Make sure you have a document that shows the diagnosis (medical certificate or certificate of treatment)
  • If you were given medicine, keep the prescription (patient copy) and the pharmacy receipt
  • Check that your name, date of birth and treatment dates are correct on every document
  • Keep the originals safe and make photos or scanned copies
  • If you were injured in an accident, ask your insurer whether extra material such as a police document is needed
  • Write down the hospital's phone number and email so you can contact them from home
Get your documents before you leave. Medical certificates and medical records require identity verification, so requesting them from abroad after you return can be complicated.
Section 5

Frequently Asked Questions (FAQ)

Q1 Which documents do I definitely need for a claim?
It depends on the policy, but insurers generally ask for the medical receipt, an itemized statement, a document showing the diagnosis and treatment (a medical certificate or certificate of treatment) and proof of payment. Confirm the exact list with your insurer.
Q2 Can I get the documents in English?
It depends on the hospital. Some hospitals issue medical certificates in English, but not all can, and the time needed also differs. If English documents are not available, ask your insurer whether a translation is required.
Q3 Do I have to get a medical certificate?
Some insurers accept a certificate of treatment or another document that states the diagnosis instead of a medical certificate. A medical certificate carries an issuing fee, so check what your insurer requires before you request one.
Q4 Will the hospital bill my insurer directly?
In general you pay first and claim from your insurer after you return home. Direct payment from the insurer to the hospital is only possible when the two have an arrangement, so check with your insurer before treatment.
Q5 What if I need more documents after I return home?
Contact the hospital where you were treated. Medical certificates and medical records require identity verification, and if someone else collects them for you, separate paperwork such as a consent form and a letter of authorization is needed. The exact procedure differs by hospital, so check with that hospital.
Q6 Can I claim for medicine bought at a pharmacy?
Prescribed medicine is generally claimed with the prescription and the pharmacy receipt. Whether over-the-counter medicine bought without a prescription is covered differs by policy, so check your policy wording and keep the receipt.
Q7 Can I claim for a health checkup or a cosmetic procedure?
Preventive health checkups and procedures done for cosmetic purposes are often not covered by insurance. Confirm coverage directly with your insurer.