5th generation: annual limit on non-severe non-covered treatment
The number that shows what the 2026 reform actually did. Severe non-covered treatment — cancer, cerebrovascular and cardiac disease, rare and intractable conditions — is handled in its own rider, while everything else sits under this ceiling with a high excess and several common therapies excluded outright. Anyone choosing between an existing policy and a new one is really choosing between two different treatments of this category.
- Applies to
- Holders of 5th generation policies claiming non-covered treatment outside the severe categories
- Review cadence
- Checked once a year
What we have recorded
- 2026-05-06₩10,000,000 a year
Annual cover under the non-severe non-covered rider. Manual therapy, extracorporeal shockwave, prolotherapy and certain non-covered injections are among the treatments excluded from this rider. The severe non-covered rider, tied to the health insurance special-calculation categories, is separate and more generous.
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.