How to Check Your Four Major Insurances in Korea — Enrollment & Payment History Guide for Foreign Workers
What Are the Four Major Insurances (4대보험)?
The four major insurances (4대보험) refer collectively to National Pension (국민연금), Health Insurance (건강보험), Employment Insurance (고용보험), and Industrial Accident Insurance (산재보험). Under the Labor Standards Act (근로기준법), the National Pension Act (국민연금법), the National Health Insurance Act (국민건강보험법), the Employment Insurance Act (고용보험법), and the Industrial Accident Compensation Insurance Act (산업재해보상보험법), workers and employers who meet certain requirements are obligated to enroll. The four major insurances form the core social safety net protecting workers from social risks such as illness, unemployment, old age, and industrial accidents.
Note for foreign workers: Your employment contract may specify terms that differ from the statutory minimums, but enrollment in the four major insurances is a legal obligation that applies regardless of contract wording.
2026 Four Major Insurance Rates at a Glance
| Insurance Type | Total Rate | Employee Share | Employer Share |
|---|---|---|---|
| National Pension | 9.5% | 4.75% | 4.75% |
| Health Insurance | 7.19% | 3.595% | 3.595% |
| Long-Term Care Insurance | 0.9448% (of income) | Half | Half |
| Employment Insurance (unemployment benefit) | 1.8% | 0.9% | 0.9% |
| Industrial Accident Insurance | Varies by industry | None | Full amount |
The standard monthly income ceiling for National Pension will be KRW 6,590,000 and the floor KRW 410,000, effective July 2026. To see your estimated take-home pay after these deductions, use the Salary Take-Home Pay Calculator at workbear.kr.
How to Check Your Four Major Insurances — Agency-by-Agency Guide
1. Integrated Lookup: Social Insurance Information Link Center
The most convenient method is to use the Social Insurance Information Link Center (사회보험정보연계센터, 4insure.or.kr). Log in with a joint certificate (공동인증서, formerly a public certificate) or a simple authentication service such as Kakao or Naver, and you can view your enrollment history and payment records for all four insurances on a single screen.
2. National Pension — Check My Pension
On the National Pension Service website (nps.or.kr) or through the "My NPS (내 곁에 국민연금)" app, you can look up your enrollment history, payment records, and estimated future pension amount. If any enrollment periods are missing, you may also apply for retroactive contributions (추후납부, 추납).
3. Health Insurance — National Health Insurance Service
On the National Health Insurance Service website (nhis.or.kr), under the "민원여기요" menu, you can issue a premium payment confirmation, check your history of switching between workplace and regional enrollment, and view your dependents' (피부양자) registration status.
4. Employment Insurance — Employment Insurance Website
On the Employment Insurance website (ei.go.kr), you can look up your insured-status acquisition and loss history. This is useful for confirming eligibility for unemployment benefits (실업급여) or reviewing your enrollment period before changing jobs. As of 2026, the daily upper limit for job-seeker's allowance (구직급여) is KRW 68,100 and the lower limit is KRW 66,048.
5. Industrial Accident Insurance — Korea Workers' Compensation & Welfare Service
On the Korea Workers' Compensation & Welfare Service website (comwel.or.kr), you can check whether a workplace is enrolled in Industrial Accident Insurance and view its premium payment history. Because Industrial Accident Insurance premiums are borne entirely by the employer, workers have no separate amount to pay.
What If Your Employer Does Not Enroll You in the Four Major Insurances?
Employers must file an acquisition report for the four major insurances immediately upon hiring a worker. Failure to do so may result in fines and retroactive premium assessments under each respective insurance act. Workers may report the violation directly to the relevant insurance corporation or call the Ministry of Employment and Labor Customer Consultation Center at 1350 (no area code required).
The obligation to enroll applies to workers under the Labor Standards Act (근로기준법상 근로자). Even if a contract is titled a "consignment agreement" or "service agreement," a person may still be recognized as a worker if they worked in substantive subordination under the direction and supervision of an employer. Because worker status is determined based on the substance of the relationship rather than the form of the contract, consult a professional if your situation is unclear.
Check More at workbear.kr
If you want to know your actual take-home pay after four major insurance deductions, use the Salary Take-Home Pay Calculator at workbear.kr (workbear.kr). The latest 2026 rates are automatically applied so you can instantly see how much is deducted from your monthly pay. If you want to check whether you qualify for unemployment benefits, also try the Unemployment Benefit Eligibility Checker on the same site.
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
Is there a single place where I can check my enrollment in all four major insurances at once?
Yes. Log in to the Social Insurance Information Link Center 사회보험정보연계센터, 4insure.or.kr using a joint certificate 공동인증서, formerly a public certificate or a simple authentication service such as Kakao or Naver, and you can view your enrollment history for National Pension, Health Insurance, Employment Insurance, and Industrial Accident Insurance all on one screen.
What happens if my employer does not enroll me in the four major insurances?
Employers are legally required to file an acquisition report for the four major insurances within a set period from the date they hire a worker. Failure to do so may result in a fine or retroactive assessment of insurance premiums under the National Pension Act 국민연금법 , the National Health Insurance Act 국민건강보험법 , the Employment Insurance Act 고용보험법 , and the Industrial Accident Compensation Insurance Act 산업재해보상보험법 . Workers may report the violation directly to the relevant insurance corporation or file a complaint with the Ministry of Employment and Labor.
What are the four major insurance rates for 2026?
As of 2026, the National Pension rate is 9.5% employee share 4.75% , the Health Insurance rate is 7.19% employee share 3.595% , with Long-Term Care Insurance adding 0.9448% of income on top of that. The Employment Insurance unemployment benefit rate is 1.8% employee share 0.9% . Industrial Accident Insurance is borne entirely by the employer.
Do freelancers or sole proprietors also have to enroll in the four major insurances?
Pure freelancers or sole proprietors who do not qualify as workers under the Labor Standards Act 근로기준법 cannot, in principle, enroll as workplace subscribers 직장가입자 in the four major insurances. However, if a person works in a relationship of actual subordination and direction, they may be recognized as a worker, in which case the employer bears the obligation to enroll them. Worker status is determined based on the substance of the working relationship, not the form of the contract.