Korea Social Welfare — Overview
Korea's welfare system is built on four social insurances: National Health Insurance, the National Pension, 고용보험 (Employment Insurance) and 산재보험 (Industrial Accident Insurance). On top of them sit public assistance such as 기초생활보장 (Basic Livelihood Security) and cash benefits such as 아동수당 (Child Allowance) and 기초연금 (Basic Pension). For foreign residents the key point is that the insurances follow work and residence, while most tax-funded benefits require Korean nationality.
Key points for foreign residents:
- Work-based insurances: if you work for an employer, health insurance and the pension usually start with the job, and your employer registers you. Employment Insurance depends on your status of stay: it is compulsory for F-2, F-5 and F-6 holders, for example, and voluntary for many work visas.
- Residence-based health insurance: registered foreigners without workplace cover are enrolled as locally insured after 6 months in Korea.
- Tax-funded benefits: Child Allowance, Basic Pension and most childcare subsidies are for Korean nationals. Basic Livelihood Security covers foreigners only in narrow cases, such as a foreign spouse of a Korean raising a Korean child.
- First registrations: get your 외국인등록증 (Residence Card, ARC) and report every change of address within 15 days, open a bank account, and check that your employer has enrolled you in the four insurances.
The areas at a glance
- Health — NHIS for everyone; premium 7.19% of pay, split 50/50 (2026); locally insured foreigners pay at least ₩158,630 a month in 2026 (including long-term care), unless they are F-5 or F-6 holders.
- Pension — contribution 9.5% (2026), rising 0.5 points a year to 13% in 2033; at least 10 years for a pension; pension age 63 to 65 depending on year of birth; lump-sum refund for some foreigners.
- Unemployment — 구직급여 (job-seeking benefit) of 60% of average wages, ₩66,048–68,100 a day (2026), for 120–270 days.
- Family — Child Allowance of ₩100,000 a month for children under 9 (2026); 부모급여 (Parent Benefit) of ₩1,000,000 at age 0 and ₩500,000 at age 1; mostly for Korean-national children.
- Tax — progressive income tax 6–45% plus 10% local income tax; optional flat 19% for foreign employees who start work in Korea by the end of 2026.
- Housing — 전세 (jeonse) and 월세 (monthly rent) contracts; 2-year leases with one renewal and a 5% cap on rent increases; permit needed to buy a home in the capital region.
- Education — 9 years of free compulsory schooling and free high school; foreign children can enrol in local public schools.
- Parental — 90 days of maternity leave, 20 days of paid leave for the other parent, up to 1 year (1.5 years in some cases) of parental leave with benefits from Employment Insurance.
Things to watch
- Rates and amounts change every year, usually on 1 January; the pension income ceiling changes each July. Figures here are for 2026.
- Unpaid health premiums or taxes are checked when you extend your stay: if they are unpaid, the extension is usually limited to 6 months.
- Social insurance is compulsory; if an employer does not enrol you, you can report it to NHIS, NPS or the Employment Center.
Official guidance: NHIS: Guidance for foreigners, NPS: Foreigners and lump-sum refund, Immigration: arrears check before extension, 복지로 (Bokjiro)