{"id":1366,"date":"2026-05-14T02:36:48","date_gmt":"2026-05-13T17:36:48","guid":{"rendered":"https:\/\/goodlifetips.co.kr\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/"},"modified":"2026-05-14T02:36:51","modified_gmt":"2026-05-13T17:36:51","slug":"how-to-apply-for-the-medical-expense-co-payment-ceiling-system-and-check-refund-amounts","status":"publish","type":"post","link":"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/","title":{"rendered":"A Comprehensive Guide to Applying for the Medical Expense Co-payment Cap and Checking Refunds"},"content":{"rendered":"<figure class=\"wp-block-image aligncenter crafto-image-center\" style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/goodlifetips.co.kr\/wp-content\/uploads\/2026\/05\/thumb-\uc758\ub8cc\ube44-\ubcf8\uc778\ubd80\ud568\uc0c1\ud55c\uc81c-\uc2e0\uccad-\ubc29\ubc95\uacfc-\ud658\uae09\uae08-\uc870\ud68c-\ucd1d\uc815\ub9ac-\uc378\ub124\uc77c-2ec3cec9.webp\" alt=\"Thumbnail: Comprehensive Guide on How to Apply for the Medical Expense Co-payment Cap and Check Refunds\" title=\"Thumbnail: Comprehensive Guide on How to Apply for the Medical Expense Co-payment Cap and Check Refunds\" loading=\"lazy\" class=\"aligncenter\" style=\"display:block !important;margin:0 auto !important;max-width:100%;height:auto\" \/><\/figure>\n<p>If you spent a lot on medical expenses last year, right now <u>Health insurance refund<\/u>You need to check. <b>Out-of-pocket maximum system<\/b>If annual medical expenses exceed the upper limit based on income level, the excess amount <b>A system that returns the full amount in cash<\/b>no see. <span style=\"background-color: #d1e7dd\">National Health Insurance Service website<\/span>You can check your eligibility in just one minute through this, and if you do not apply within three years from the date of occurrence <span style=\"background-color: #f8d7da\">The right has expired<\/span>So it becomes <b>Be sure to check as soon as possible.<\/b>Must do.<\/p>\n<blockquote><p>\nThe Co-payment Ceiling System is a system in which the National Health Insurance Service covers the difference if your annual co-payment for hospital expenses exceeds the individual income bracket ceiling. Since the right to a refund is forfeited if you do not apply within three years from the date of occurrence, please check immediately on the National Health Insurance app or the Service website.\n<\/p><\/blockquote>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%EB%B3%B8%EC%9D%B8%EB%B6%80%EB%8B%B4%EC%83%81%ED%95%9C%EC%A0%9C%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80\" >What is the Co-payment Ceiling System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#2026%EB%85%84_%EC%86%8C%EB%93%9D%EB%B6%84%EC%9C%84%EB%B3%84_%EC%83%81%ED%95%9C%EC%95%A1_%EA%B8%B0%EC%A4%80\" >2026 Income Quintile Upper Limit Standards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%EC%82%AC%EC%A0%84%EA%B8%89%EC%97%AC%EC%99%80_%EC%82%AC%ED%9B%84%ED%99%98%EA%B8%89%EC%9D%98_%EC%B0%A8%EC%9D%B4\" >The difference between advance payment and post-reimbursement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%EC%98%A8%EB%9D%BC%EC%9D%B8_%ED%99%98%EA%B8%89%EA%B8%88_%EC%A1%B0%ED%9A%8C%EC%99%80_%EC%8B%A0%EC%B2%AD_%EB%B0%A9%EB%B2%95\" >How to Check and Apply for Online Refunds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#3%EB%85%84_%EC%95%88%EC%97%90_%EC%8B%A0%EC%B2%AD%ED%95%B4%EC%95%BC_%ED%95%98%EB%8A%94_%EC%9D%B4%EC%9C%A0\" >Reasons why you must apply within 3 years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%EC%9E%90%EC%A3%BC_%EB%AC%BB%EB%8A%94_%EC%A7%88%EB%AC%B8\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%EB%B3%B8%EC%9D%B8%EB%B6%80%EB%8B%B4%EC%83%81%ED%95%9C%EC%A0%9C%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\" >What is the co-payment ceiling system?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%EC%96%B4%EB%96%A4_%EC%A7%84%EB%A3%8C%EB%B9%84%EA%B0%80_%ED%99%98%EA%B8%89_%EB%8C%80%EC%83%81%EC%97%90_%ED%8F%AC%ED%95%A8%EB%90%98%EB%82%98%EC%9A%94\" >Which medical expenses are eligible for reimbursement?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%ED%99%98%EA%B8%89%EA%B8%88_%EC%8B%A0%EC%B2%AD%EC%9D%80_%EC%96%B8%EC%A0%9C%EA%B9%8C%EC%A7%80_%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\" >By when do I have to apply for the refund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/#%EC%98%A8%EB%9D%BC%EC%9D%B8%EC%9C%BC%EB%A1%9C_%ED%99%98%EA%B8%89%EA%B8%88%EC%9D%84_%EC%A1%B0%ED%9A%8C%ED%95%98%EA%B3%A0_%EC%8B%A0%EC%B2%AD%ED%95%98%EB%A0%A4%EB%A9%B4_%EC%96%B4%EB%96%BB%EA%B2%8C_%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\" >How do I check and apply for a refund online?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%EB%B3%B8%EC%9D%B8%EB%B6%80%EB%8B%B4%EC%83%81%ED%95%9C%EC%A0%9C%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80\"><\/span>What is the Co-payment Ceiling System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The co-payment ceiling system is a safety mechanism that guarantees that the total medical expenses for covered items borne by a subscriber from January 1 to December 31 do not exceed an income-based ceiling. The purpose is to ensure that even if medical expenses increase due to frequent hospital visits, the amount paid does not exceed the set ceiling amount determined by household income. <\/p>\n<p>However, not all hospital expenses are subject to aggregation. Only items covered by health insurance are included, while non-covered items such as manual therapy, nutritional injections, selective benefits, and fees for 2- or 3-person premium wards are excluded. You must clearly understand that this system applies only to medical treatments covered by health insurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2026%EB%85%84_%EC%86%8C%EB%93%9D%EB%B6%84%EC%9C%84%EB%B3%84_%EC%83%81%ED%95%9C%EC%95%A1_%EA%B8%B0%EC%A4%80\"><\/span>2026 Income Quintile Upper Limit Standards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The maximum out-of-pocket payment limit is determined differentially across the 10th decile based on the level of health insurance premiums paid by subscribers each month. Since the limit is set lower for lower incomes, subscribers can receive greater benefits in terms of actual medical cost reduction.<\/p>\n<p>| Category | 2026 Ceiling |<br \/>\n| :\u2014 | :\u2014 |<br \/>\n| 1st Quintile | 870,000 Won |<br \/>\n| 2nd~3rd Quintile | 1.08 million won |<br \/>\n| 4th~5th Quintile | 1.62 million won |<br \/>\n| 6th~7th Quintile | 2.89 million won |<br \/>\n| 8th~9th Decile | 4.36 million won |<br \/>\n| 10th percentile | 7.8 million won |<\/p>\n<p>The above criteria are estimates and are applied differentially based on actual income brackets. For example, if a subscriber in the lowest income bracket (1st quintile) spends 3 million won on medical expenses, the entire 2.13 million won\u2014after deducting the 870,000 won ceiling\u2014is eligible for a refund. Identifying the ceiling amount corresponding to your income bracket in advance helps in estimating your expected refund.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%82%AC%EC%A0%84%EA%B8%89%EC%97%AC%EC%99%80_%EC%82%AC%ED%9B%84%ED%99%98%EA%B8%89%EC%9D%98_%EC%B0%A8%EC%9D%B4\"><\/span>The difference between advance payment and post-reimbursement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Refunds are broadly divided into two methods. Advance payment applies when the patient&#039;s co-payment has already exceeded the maximum limit while receiving inpatient treatment at the same hospital. In this case, the hospital directly bills the National Health Insurance Service, and the matter is processed automatically, so the patient does not need to pay the excess amount directly.<\/p>\n<p>On the other hand, post-reimbursement applies when the combined amount from using multiple hospitals exceeds the upper limit. The National Health Insurance Service sends out a notice by mail every August after final income is determined, and you must apply in person after receiving the notice. Both methods incur no separate costs and are benefits guaranteed by the government.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%EC%98%A8%EB%9D%BC%EC%9D%B8_%ED%99%98%EA%B8%89%EA%B8%88_%EC%A1%B0%ED%9A%8C%EC%99%80_%EC%8B%A0%EC%B2%AD_%EB%B0%A9%EB%B2%95\"><\/span>How to Check and Apply for Online Refunds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can check immediately online without having to wait for mail from the Corporation. If you are using a PC, simply select &quot;Refund Inquiry Application&quot; from the &quot;Minwon Yeogiyo&quot; menu on the National Health Insurance Service website. On mobile, install the &quot;The Health Insurance&quot; app to easily check your details, and complete the application by entering your bank account number.<\/p>\n<p>| Category | Application Procedure |<br \/>\n| :\u2014 | :\u2014 |<br \/>\n| PC Application | Access Website \u2192 Civil Petitions Here \u2192 Check and Apply for Refund |<br \/>\n| Mobile Application | The Health Insurance App \u2192 Check Refund \u2192 Enter Account |<\/p>\n<p>Once the application is complete, the funds are usually deposited into your account within 1 to 3 days. Please be aware of smishing attempts that request your account number via phone or text message. The Corporation never asks for your account number via text, so you must use only official channels.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3%EB%85%84_%EC%95%88%EC%97%90_%EC%8B%A0%EC%B2%AD%ED%95%B4%EC%95%BC_%ED%95%98%EB%8A%94_%EC%9D%B4%EC%9C%A0\"><\/span>Reasons why you must apply within 3 years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This refund has a validity period of three years from the date of accrual. If this period expires, the right to claim the refund is forfeited, so you cannot receive it back, no matter how large the amount. Since it is common for recipients to fail to receive the refund due to lost notices or changes in address, it is necessary to develop the habit of checking periodically yourself.<\/p>\n<p>Since the recipients of refunds for the previous year&#039;s medical expenses are finalized around August every year, it is best to check at that time. Forgetting <u>Hidden medical expenses<\/u>Finding it is a small but solid help to your household finances. Right now <b>Check Co-payment Ceiling System<\/b>through <u>Expiring refunds<\/u>Please make sure to check if there is any.<\/p>\n<section class=\"faq-section\">\n<h2><span class=\"ez-toc-section\" id=\"%EC%9E%90%EC%A3%BC_%EB%AC%BB%EB%8A%94_%EC%A7%88%EB%AC%B8\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%EB%B3%B8%EC%9D%B8%EB%B6%80%EB%8B%B4%EC%83%81%ED%95%9C%EC%A0%9C%EB%9E%80_%EB%AC%B4%EC%97%87%EC%9D%B8%EA%B0%80%EC%9A%94\"><\/span>What is the co-payment ceiling system?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is a system in which the National Health Insurance Service covers or refunds the excess amount if the annual out-of-pocket medical expenses exceed the individual income bracket limit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EC%96%B4%EB%96%A4_%EC%A7%84%EB%A3%8C%EB%B9%84%EA%B0%80_%ED%99%98%EA%B8%89_%EB%8C%80%EC%83%81%EC%97%90_%ED%8F%AC%ED%95%A8%EB%90%98%EB%82%98%EC%9A%94\"><\/span>Which medical expenses are eligible for reimbursement?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Only hospital expenses for items covered by health insurance are included, and non-covered items such as manual therapy or premium ward fees are excluded.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%ED%99%98%EA%B8%89%EA%B8%88_%EC%8B%A0%EC%B2%AD%EC%9D%80_%EC%96%B8%EC%A0%9C%EA%B9%8C%EC%A7%80_%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\"><\/span>By when do I have to apply for the refund?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you do not apply within 3 years from the date the refund is generated, your right to claim will expire, so you must apply within the period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%EC%98%A8%EB%9D%BC%EC%9D%B8%EC%9C%BC%EB%A1%9C_%ED%99%98%EA%B8%89%EA%B8%88%EC%9D%84_%EC%A1%B0%ED%9A%8C%ED%95%98%EA%B3%A0_%EC%8B%A0%EC%B2%AD%ED%95%98%EB%A0%A4%EB%A9%B4_%EC%96%B4%EB%96%BB%EA%B2%8C_%ED%95%B4%EC%95%BC_%ED%95%98%EB%82%98%EC%9A%94\"><\/span>How do I check and apply for a refund online?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can check your eligibility and apply through the &quot;Minwon Yeogiyo&quot; menu on the National Health Insurance Service website or the &quot;The Health Insurance&quot; app by entering an account in your name.<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>If you spent a significant amount on medical expenses last year, you should check your health insurance refund right now. The Co-payment Ceiling System is a program that reimburses the full amount exceeding the annual limit based on income level in cash. You can check your eligibility in just one minute through the National Health Insurance Service website, and since the right to receive a refund expires if not applied for within three years of the date of occurrence, you must check promptly. The Co-payment Ceiling System [applies] when annual out-of-pocket medical expenses exceed the individual income bracket limit\u2026 <a title=\"A Comprehensive Guide to Applying for the Medical Expense Co-payment Cap and Checking Refunds\" class=\"read-more\" href=\"https:\/\/goodlifetips.co.kr\/en\/%ec%9d%98%eb%a3%8c%eb%b9%84-%eb%b3%b8%ec%9d%b8%eb%b6%80%eb%8b%b4%ec%83%81%ed%95%9c%ec%a0%9c-%ec%8b%a0%ec%b2%ad-%eb%b0%a9%eb%b2%95%ea%b3%bc-%ed%99%98%ea%b8%89%ea%b8%88-%ec%a1%b0%ed%9a%8c-%ec%b4%9d\/\" aria-label=\"Read more about \uc758\ub8cc\ube44 \ubcf8\uc778\ubd80\ub2f4\uc0c1\ud55c\uc81c \uc2e0\uccad \ubc29\ubc95\uacfc \ud658\uae09\uae08 \uc870\ud68c \ucd1d\uc815\ub9ac\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":1365,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-info"],"jetpack_featured_media_url":"https:\/\/goodlifetips.co.kr\/wp-content\/uploads\/2026\/05\/thumb-\uc758\ub8cc\ube44-\ubcf8\uc778\ubd80\ub2f4\uc0c1\ud55c\uc81c-\uc2e0\uccad-\ubc29\ubc95\uacfc-\ud658\uae09\uae08-\uc870\ud68c-\ucd1d\uc815\ub9ac-\uc378\ub124\uc77c-2ec3cec9.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/posts\/1366","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/comments?post=1366"}],"version-history":[{"count":1,"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/posts\/1366\/revisions"}],"predecessor-version":[{"id":1367,"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/posts\/1366\/revisions\/1367"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/media\/1365"}],"wp:attachment":[{"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/media?parent=1366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/categories?post=1366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goodlifetips.co.kr\/en\/wp-json\/wp\/v2\/tags?post=1366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}