Government Aims for 90% Participation in Insur24 by Year-End

The government, healthcare sector, and platform companies are enhancing collaboration to promote the use of 'Insur24,' a service that allows users to claim health insurance benefits without paper documentation. Starting next month, improvements will enable users to complete the insurance claim process entirely through the Naver and Toss apps, with a goal of increasing the healthcare institution linkage rate to 90% by the end of the year.

On September 30, the Financial Services Commission held a meeting led by Vice Chairman Kwon Dae-young, which included participants from the healthcare and insurance industries to review the operation of the Insur24 system.

Insur24 allows consumers to request that hospitals electronically send receipts, detailed billing statements, and prescriptions to insurance companies. This service was introduced to alleviate the inconvenience of consumers having to obtain paper documents from hospitals to submit claims.

However, participation from healthcare institutions remains at about half. As of September 28, there were 50,340 healthcare institutions linked to Insur24, representing approximately 47.7% of the total eligible institutions. This includes 1,107 hospitals, 3,578 public health centers, 24,995 clinics, and 20,608 pharmacies. There are about 5.21 million registered users of Insur24, with approximately 4.61 million claims processed through the service.

Vice Chairman Kwon stated, "Insur24 can significantly enhance the convenience of health insurance claims for the public," but noted that the current linkage rate of 47% is insufficient for citizens to experience its full benefits.

To improve accessibility for consumers, the government plans to utilize platforms. Starting October 7, users will be able to complete the insurance claim process on Naver Maps, Naver Pay, and the Toss app without needing to navigate to a separate Insur24 site.

Additionally, consumers who consent to use MyData will be able to claim insurance benefits without manually entering details such as the hospitals or pharmacies they visited, the date of treatment, insurance company, and account number. Naver Maps will also feature a banner on the detailed screens of participating healthcare institutions to help users easily identify where they can file claims.

The government is also working to expand participation among healthcare institutions. In collaboration with the Ministry of Health and Welfare, it plans to simplify the certification process for institutions and send official notices to non-participating healthcare facilities and regional public hospitals, informing them that participation in electronic claims is a legal obligation.

If voluntary participation does not lead to an increase in the linkage rate, the government intends to pursue amendments to the insurance business law to impose fines on non-participating institutions. The goal is to raise the current linkage rate of Insur24 to between 80% and 90% by the end of the year.