5th generation: excess on non-severe non-covered treatment

50% inpatient; outpatient 50% or ₩50,000, whichever is greater% of the cost borne by the patient

The other half of the trade the 2026 reform makes: a lower premium against a much larger share of non-essential non-covered costs staying with the patient. Read next to the fourth generation's 30% on non-covered treatment, it is the clearest single indicator of which policy suits someone who uses repeated outpatient therapy — and of how much a cheaper premium is actually buying.

Applies to: Holders of 5th generation policies claiming non-severe non-covered treatment
Review cadence: Checked once a year

What we have recorded

2026-05-06
50% inpatient; outpatient 50% or ₩50,000, whichever is greater
For non-severe non-covered treatment. The outpatient rule means small claims can be met entirely by the patient, since the fixed floor applies where it exceeds the percentage. The fourth generation applies 20% on benefit-covered and 30% on non-covered treatment, which is the comparison worth making before switching.
Financial Services Commission — 5th generation indemnity health insurance

One reading so far. This becomes a history the first time the figure moves while we are watching — which is the part that cannot be reconstructed later.