Korea's Four Major Insurance One-Stop Center: Enrollment, Reporting & Inquiry Guide for Foreign Workers

What Is the Four Major Insurance One-Stop Center?

Any employer who hires employees is required to enroll in National Pension (국민연금), Health Insurance (건강보험), Employment Insurance (고용보험), and Industrial Accident Compensation Insurance (산재보험) — collectively known as the "four major insurances" (4대보험). The challenge is that each insurance is administered by a different agency: National Pension by the National Pension Service (국민연금공단), Health Insurance by the National Health Insurance Service (국민건강보험공단), and Employment Insurance and Industrial Accident Compensation Insurance by the Korea Workers' Compensation & Welfare Service (근로복지공단).

To eliminate this inconvenience, the Four Major Insurance Information One-Stop Center (4대보험 정보연계센터, www.4insure.or.kr) was established. Through a single window, employers can handle workplace establishment reporting, worker eligibility acquisition and loss reporting, and insurance premium inquiries for all four insurances at once.

Note for foreign workers and foreign-owned businesses: The statutory obligations described below apply equally regardless of nationality. Your employment contract may set terms above the statutory minimum, but it cannot fall below it.

Key Services Available at the One-Stop Center

1. Workplace Establishment Reporting (사업장 성립신고)

An employer hiring workers for the first time must file a workplace establishment report. A single filing through the One-Stop Center is transmitted simultaneously to all four insurance agencies. Because deadlines differ by insurance type, it is safest to process the report immediately upon hiring.

2. Worker Eligibility Acquisition and Loss Reporting (근로자 자격 취득·상실 신고)

When an employee joins, an eligibility acquisition report must be filed; when an employee leaves, an eligibility loss report must be filed. The statutory deadlines are:

Missing these deadlines may result in a fine under Article 118 of the Employment Insurance Act (고용보험법 제118조) and Article 122 of the Industrial Accident Compensation Insurance Act (산업재해보상보험법 제122조).

3. Insurance Premium Inquiry and Payment Confirmation (보험료 조회 및 납부 확인)

Monthly premium details and payment history can be checked on a single screen. Log in using a public certificate (공동인증서) or a simple authentication method.

2026 Four Major Insurance Rates at a Glance

The rates actually borne by the employee as of 2026 are as follows:

For a worker earning a monthly salary of KRW 2,500,000, deductions would be approximately KRW 118,750 for National Pension, KRW 89,870 for Health Insurance, and KRW 22,500 for Employment Insurance. Because the full set of deductions is complex, using a calculator is recommended for an accurate take-home figure.

Points to Note When Reporting Workplace Separation or Consolidation

When a business operates at multiple locations, or when a construction project is divided into separate sections, the way insurance relationships are reported can significantly affect the premium burden.

The Supreme Court has held that when a construction project is divided into multiple sections under separate contracts, a distinct industrial accident compensation insurance relationship is established for each section, and establishment reporting must be filed section by section (Supreme Court Decision 94누3186). Conversely, there is also precedent holding that even when a coal mining company's head office and mine site are physically separate, if the substance of the business is a single operation, it should be treated as a single insurance relationship (Supreme Court Decision 74누103).

In other words, whether workplaces should be reported separately is not determined by physical separation alone; it requires a comprehensive assessment of the organic connection between operations, management independence, and homogeneity of risk. Incorrect separation reporting can lead to additional premium assessments or fines, so businesses operating multiple workplaces should seek expert confirmation.

Common Mistakes When Using the One-Stop Center

  1. Misunderstanding the reporting deadline: Many employers mistakenly believe the acquisition report is due by the end of the month following the hire date. Remember — for Employment Insurance and Industrial Accident Compensation Insurance, the deadline is within 14 days.
  2. Omitting part-time workers: Workers who work 15 hours or more per week are subject to the four major insurance enrollment obligation under Article 8 of the National Pension Act (국민연금법 제8조) and Article 10 of the Employment Insurance Act (고용보험법 제10조). Part-time and temporary workers are not exempt.
  3. Delaying the loss report: Failing to promptly report after an employee leaves can result in continued premium charges for the departed employee.

Check Your Take-Home Pay Easily at Workbear

If you want to know your actual take-home pay after four major insurance deductions, try the salary take-home calculator at Workbear (workbear.kr). The 2026 rates are automatically applied, so you can check your figures before receiving your payslip. For questions about employment contracts or labor law, the AI search feature provides quick answers.

This article is for informational purposes only and does not constitute legal advice. For specific cases, consult a certified labor attorney (노무사) or lawyer.

Frequently Asked Questions

What is the difference between using the Four Major Insurance One-Stop Center and reporting to each agency separately?

Using the Four Major Insurance One-Stop Center www.4insure.or.kr lets you handle reporting for National Pension, Health Insurance, Employment Insurance, and Industrial Accident Compensation Insurance all at once. The legal effect is identical to reporting to each agency individually — the National Pension Service, National Health Insurance Service, and Korea Workers' Compensation & Welfare Service — but using the One-Stop Center saves time by eliminating duplicate document submissions.

How many days after hiring an employee must I complete the four major insurance reporting?

The deadline for reporting a worker's eligibility acquisition differs by insurance type. For National Pension and Health Insurance, you must report by the 15th of the month following the month in which the eligibility acquisition date falls. For Employment Insurance and Industrial Accident Compensation Insurance, you must report within 14 days of the eligibility acquisition date. Missing the deadline may result in a fine, so it is safest to process the report immediately upon hiring.

What are the four major insurance rates for 2026?

As of 2026, the employee-side contribution rates are: National Pension 4.75% total rate 9.5% ; Health Insurance 3.595% total rate 7.19% ; Long-Term Care Insurance is charged separately at an employee share equivalent to 0.4724% of income 0.9448% combined for employer and employee; a fixed proportion of the health insurance premium ; Employment Insurance unemployment benefit portion 0.9% total rate 1.8% . Industrial Accident Compensation Insurance is borne entirely by the employer, and the rate varies by industry.

Must I enroll in the four major insurances regardless of the size of my workplace?

In principle, the obligation to enroll in the four major insurances arises as soon as you employ even one worker. However, certain workers may be excluded from some insurances — for example, workers employed for less than one month or workers whose weekly hours are less than 15. Workers who work 15 hours or more per week are subject to enrollment in Employment Insurance, National Pension, and Health Insurance.