Calculate your social insurance premiums and estimated take-home pay based on 2026 South Korean rates
The 4 Social Insurances refer to National Pension, Health Insurance, Employment Insurance, and Industrial Accident Insurance -- South Korea's social insurance system. Premiums are shared between employees and employers, providing retirement, medical, unemployment, and industrial accident benefits.
Provides pension payments to individuals or survivors when income is interrupted due to old age, disability, or death.
Rate: 9.5% (Employee 4.75% + Employer 4.75%) Increased in 2026
A medical support system that reduces the burden of high medical costs from illness or injury.
Rate: 7.19% (Employee 3.595% + Employer 3.595%) Increased in 2026
Provides nursing care benefits for those who have difficulty with daily life due to old age or geriatric diseases.
Rate: 13.14% of Health Insurance premium Increased in 2026
Provides job-seeking benefits during unemployment and supports re-employment.
Rate: Employee 0.9%, Employer varies by industry
Provides compensation to workers who suffer work-related injuries or diseases.
Rate: 100% employer-paid (varies by industry)
A. Yes, all workplaces with 1 or more employees must enroll. However, part-time workers working less than 60 hours per month may be exempt from some insurances.
A. Premiums are automatically deducted from the employee's monthly salary, and employers must pay by the 10th of the following month.
A. Freelancers are generally not required to enroll, but can voluntarily join National Pension and Health Insurance as regional subscribers. Employment Insurance is available through voluntary self-employed enrollment.
A. Yes, Health Insurance and Long-term Care rates may be adjusted annually, and National Pension income limits also change yearly. It is important to verify the latest rates.
This calculator is provided for reference purposes only. Actual insurance premiums may vary depending on rate changes announced by the National Health Insurance Service and National Pension Service. For accurate premium amounts, please contact the relevant institutions directly.
South Korea's 4 Social Insurances collectively refer to National Pension, Health Insurance, Employment Insurance, and Industrial Accident Insurance — the country's social insurance system. Starting with Medical Insurance (now Health Insurance) in 1977, followed by National Pension in 1988, Employment Insurance in 1995, and nationwide Industrial Accident Insurance in 2000, today's comprehensive system was established. The 4 Social Insurances serve as a social safety net where economic risks are shared across society, with employees and employers jointly contributing premiums to prepare for risks such as retirement, illness, unemployment, and workplace injuries.
The 4 Social Insurance premiums are shared between employees and employers. As of 2026, National Pension totals 9.5%, split equally at 4.75% each. Health Insurance totals 7.19%, with each party paying 3.595%. Long-term Care Insurance is 13.14% of the Health Insurance premium, shared equally. Employment Insurance is 0.9% for employees, while employers pay 1.15–1.65% depending on industry. Industrial Accident Insurance is 100% employer-paid, with rates varying by industry. Because of the employer's additional share, actual employment costs are approximately 10–15% higher than the employee's gross salary.
Starting in 2026, the National Pension rate increased from 9% to 9.5%, Health Insurance from 7.09% to 7.19%, and Long-term Care Insurance from 12.95% to 13.14%. These rate increases result in approximately 60,000–80,000 KRW in additional annual costs for a worker earning 3 million KRW per month. For tax savings, the full National Pension premium and Health Insurance premiums are tax-deductible, providing benefits during year-end tax settlement. Additionally, low-income workers can receive up to 80% subsidy on National Pension and Employment Insurance premiums through the Durunuri Social Insurance Support Program — check if you qualify.