Personal accident insurance
You can claim on both. Receiving one does not cancel the other.
Keep them distinct
- Industrial accident insurance — a public scheme for work-related injury, taken out by the employer. See industrial-accident-basics.
- Personal accident insurance — a private product you buy, which can also cover everyday and leisure accidents.
- Motor insurance — road accidents. See car-insurance.
- Some residence statuses require specific insurance policies. See casualty-insurance and return-cost-insurance.
Check before buying
- Scope of cover — which accidents are covered and what is excluded.
- Occupational restrictions — hazardous jobs may be declined or priced differently. State your occupation truthfully.
- Policy period and renewal terms
- Claims procedure and documents
- Overlapping cover — with indemnity-type policies, holding several may not mean double payment.
After an accident
- Treatment first. Keep the medical records.
- If it happened at work, consider an industrial accident claim first — 1588-0075. See industrial-accident-report.
- Notify your insurer — there are deadlines.
- Obtain the documents — medical certificate, receipts, an account of the accident.
- If refused, demand the reason in writing and consult 1332.
Where to go
- 1332 Financial Supervisory Service (insurance disputes)
- 1588-0075 Korea Workers' Compensation and Welfare Service
- Your insurer's call centre
- 1345 interpretation support
- 132 Korea Legal Aid Corporation
Questions people ask
If I get industrial accident benefits, am I barred from accident insurance? They are separate. Each is claimed under its own policy terms. Check with the insurer.
They told me to write a different occupation. Never do it. A false statement can void a claim, and the agent will not carry the loss.
Can foreign residents buy it? It depends on the product. State your status and length of stay and ask several insurers.
My claim was refused. Demand the policy basis and the reason in writing. You can apply to 1332 for dispute mediation.
Take care
Handling a workplace accident through private insurance alone, without an industrial accident claim, loses you money. Industrial accident cover includes absence and disability benefits, not just treatment. If the company says "let's not use industrial accident cover", check with 1588-0075. See accident-employer-refusal.
Related
industrial-accident-basics · private-insurance · casualty-insurance · car-insurance · accident-employer-refusal
Source
Financial Supervisory Service www.fss.or.kr / As of 2026-08