Korea's Long-Term Care Insurance — How Much Is Your Copay?
Korea's long-term care insurance helps seniors aged 65+ (or younger with age-related illness) get help with daily activities, run by the National Health Insurance Service. Each care grade (1–5, or Cognitive Support) sets a monthly benefit limit, part of which the recipient pays out of pocket.
Home care copay is generally 15%, and facility care copay is 20%. Basic livelihood recipients are fully exempt, while near-poverty households and other discount groups pay only 40–60% of the standard copay rate depending on income. Any usage beyond the monthly limit is not covered and must be paid in full.
This calculator estimates the monthly benefit limit, copay, and government support based on your selected grade, service type, and discount status. Actual copay depends on services used and confirmed discount eligibility — verify with the National Health Insurance Service.
Frequently Asked Questions
Home care copay is generally 15%, while facility care copay is 20%. Facility care costs more but provides round-the-clock support.
Basic livelihood recipients pay nothing, and near-poverty households may get a 40% or 60% discount depending on income — confirm with National Health Insurance Service.