Korea Social Insurance Calculator (2026)
See exactly how much national pension, health insurance, long-term care and employment insurance come out of your pay, and how much your employer adds on top.
Result
2026 rates
| Insurance | Total rate | You pay | Employer pays |
|---|---|---|---|
| National pension | 9.5% | 4.75% | 4.75% |
| Health insurance | 7.19% | 3.595% | 3.595% |
| Long-term care | 13.14% of health premium | half | half |
| Employment insurance (unemployment part) | 1.8% | 0.9% | 0.9% |
| Employment stability & training | 0.25–0.85% | 0% | all |
| Industrial accident | varies by industry | 0% | all |
The pension rate rose from 9% to 9.5% in January 2026 and will keep rising by 0.5 percentage points a year until it reaches 13%. Pension is charged only on monthly income between ₩410,000 and ₩6,590,000.
Which insurances apply to foreigners?
- Health insurance: mandatory for every employee from the first day of work, whatever the visa.
- National pension: mandatory for employees aged 18–59, unless your home country does not cover Koreans in its own pension system (reciprocity) or you hold a certificate of coverage under a social security agreement. Students and some short-term visas are excluded.
- Employment insurance: mandatory for F-2, F-5 and F-6. For most other work visas (E-1 to E-7, for example) you only join if you and your employer apply. E-9 and H-2 workers are partly covered, with unemployment benefits on an opt-in basis.
- Industrial accident insurance: covers all workers. Your employer pays all of it.
Rules depend on your visa and nationality, so check your payslip or ask your employer which insurances you are enrolled in. The social insurance guide explains each one in detail.
Frequently asked questions
Can I opt out of national pension?
Not if you are covered. Coverage depends on your nationality and visa, not on your choice. If your country has a social security agreement with Korea, you may be exempt by submitting a certificate of coverage from your home country.
Do I get my pension contributions back?
Only if your country is on the National Pension Service refund list, or if you hold an E-8, E-9 or H-2 visa. Use the pension refund calculator to check.
What if I am not on a company health plan?
Foreigners staying 6 months or more who are not covered through an employer must enroll as regional subscribers and pay a monthly premium, which has a minimum amount for foreigners.
Related guides
Social InsuranceEmployment Insurance for Foreigners in Korea — Unemployment Benefits by VisaWhich foreign workers in Korea are covered by employment insurance, how to opt in, the 0.9% premium, and whether you can claim unemployment benefits or parental leave pay.Social InsuranceNational Health Insurance for Foreigners in Korea — Workplace and RegionalHow Korean health insurance works for foreign employees and for foreigners without a job: 2026 premium rates, the 6-month rule, the minimum premium, dependents and what happens when you leave.Social InsuranceKorea's Four Social Insurances for Foreigners — Which Apply to Your VisaNational pension, health insurance, employment insurance and industrial accident insurance for foreign workers in Korea in 2026: rates, who is covered by visa and nationality, and what you get back.