Korea Mom Insurance Explained | Free Enrollment & Pregnancy–Childbirth Benefits at a Glance
Pregnancy and childbirth are a blessing, but they also come with health risks and medical expenses.
To ease this burden, the Korean government introduced a program called
Korea Mom Insurance.
This is a free public insurance program fully funded by the government,
serving as a basic safety net that protects both expectant mothers and their unborn babies.
What Is Korea Mom Insurance?
Korea Mom Insurance is a government-supported free insurance program
jointly operated by the Ministry of Employment and Labor and Korea Post.
- Premium: Fully paid by the government
- Eligibility: Pregnant women up to 22 weeks (ages 17–45)
- Coverage: Protection for both mother and fetus
- Policy Term: Up to 10 years (until the child turns 9)
Once pregnancy is confirmed,
you can enroll easily without any medical exams or health history reviews.
Eligibility & Important Notes
Anyone who meets the following conditions can apply:
- Pregnant women within 22 weeks
- Ages 17 to 45
- Fetus automatically included
※ In the case of multiple pregnancies (twins, etc.), only one child can be enrolled
Even if you already have private insurance (fetal insurance or indemnity insurance),
duplicate enrollment is allowed.
Coverage for Expectant Mothers
If major pregnancy-related conditions are diagnosed,
a one-time diagnosis benefit is paid.
| Covered Condition | Payout Amount |
|---|---|
| Preeclampsia | KRW 100,000 |
| Gestational Hypertension | KRW 50,000 |
| Gestational Diabetes | KRW 30,000 |
While the amount is not large,
it provides real help in reducing the burden of unexpected test and medical costs.
Coverage for Babies (Fetus)
If the child is diagnosed with a rare disease designated by the Korea Disease Control Agency,
insurance benefits are paid.
- Covered Conditions: Designated rare diseases
- Payout Amount: KRW 1,000,000
- Payout Frequency: One-time payment
- Coverage Period: Up to 10 years (until age 9)
Can be used to help cover your child’s treatment costs
How to Apply (3 Ways)
The application process is very simple.
- Visit a nearby Korea Post branch
- Apply on the Korea Post Insurance website
- Apply via the Korea Post Insurance mobile app
Only one document is required: proof of pregnancy.
You can enroll immediately without any complicated procedures.
Highly Recommended For
- Pregnant women who find fetal insurance too expensive
- Families worried about medical expenses
- Those who need a safety net for pregnancy complications
- Anyone looking for free insurance that includes rare disease coverage
When combined with private fetal insurance,
you can reduce coverage gaps.
Frequently Asked Questions (FAQ)
Q. I already have fetal insurance. Can I still enroll?
A. Yes, duplicate enrollment is allowed.
Q. Is the premium really free?
A. Yes, the government pays the full premium.
Q. Until when can I apply?
A. You can only apply within the first 22 weeks of pregnancy.
Key Takeaways (3 Lines)
- Korea Mom Insurance is fully funded by the government
- Covers diagnosis benefits for mothers + KRW 1,000,000 for rare diseases in babies
- Easy application via Korea Post or mobile app within 22 weeks of pregnancy
※ For more details, visit the Korea Post Insurance website or your nearest post office.
Recommended Articles
- Best Time to Buy Fetal Insurance & Overlap with Indemnity Insurance
- 2026 Guide to Childbirth and Parenting Subsidies
- How to Get Medical Expense Refunds During Pregnancy
