Adjustment of health insurance premiums for local subscribers, confirmation of free residence
Application for adjustment such as decrease in income, decrease in monthly rent deposit, etc.
Local subscribers must apply for insurance premium adjustment
– Insurance premiums are adjusted from the following month if you prove income reduction, dismissal, or business closure. 무상거주사실확인서
– If the property is also sold or the tax base is reduced, you can apply for adjustment. 좋은뉴스
-Only 30% of the deposit for rent and monthly rent is evaluated, but it can be imposed ex officio, so it is necessary to apply for adjustment after confirmation
Adjustment for local subscribers’ income
Decreased income, closure, and dismissal
Unlike employee subscribers, for local subscribers, health insurance premiums are calculated from November of the following year to October of the following year after reporting global income tax.
However, if your income decreases before then, if you prove this to the Health Insurance Corporation, your health insurance premium will be adjusted.
For example, a person who was running a business may go out of business, or a person who was employed as a freelancer may be dismissed or retired. In this case, the insurance premium may be adjusted by submitting the relevant certificate to the corporation branch.
However, in the case of reopening or re-employment after closure or dismissal, adjustment is not possible as it is not subject to adjustment.
Health insurance premium adjustment is applied from the month following the month in which the cause occurred. If it is the 1st, it will be applied from that month.
In the case of a business suspension that is not a business closure, it is applied like business closure, etc. However, it is not possible to adjust due to the reason for business suspension.
And even if your business is not closed or closed, you can proceed with the adjustment procedure if your income is lower than before when you report your global income tax. This is for general, sincere reports.
In other words, if the newly reported income amount on the certificate of income for global income tax is lower than the currently imposed income amount, you can apply for adjustment.
If documents confirming income data, such as a certificate of income amount, are submitted in July, adjustments will be made from June, and if submitted after August, adjustments will be made from the following month.
Regarding property of local subscriber
property and car sale, etc.
Unlike employee subscribers, local subscribers are counted toward health insurance premiums if they have assets. That’s why you need to apply for an insurance premium adjustment if you sell your property.
It is adjusted from the month following the month to which the date of property change belongs, and if it is the 1st, it can be adjusted from the current month. For details, you may consult with the public corporation’s call center or branch office.
Even if the tax base of the property is lowered, you can consider applying. Evidence is a property tax payment receipt.
Even if you scrapped a car that was calculated for health insurance premiums, you can receive an adjustment in your health insurance premiums from the month following the month in which the scrapping date or the date of taking over the scrapped vehicle belongs. Or even if you sell it.
Jeonse and monthly rent related
The monthly rent deposit can also be adjusted
In the case of local subscribers, since the deposit for monthly rent is calculated as property, even if the deposit for monthly rent is changed, you must apply for health insurance premium adjustment to receive benefits.
Or, in general, the National Health Insurance Corporation imposes the monthly rent deposit ex officio. In this case, if it is different from the actual deposit, you can apply for an insurance premium adjustment.
Because of this, you may be charged insurance premiums even if you live in your parents’ home. From the point of view of the Corporation, it does not know whether the house is the parents’ house or the house for monthly rental, so it is ex officio imposing a security deposit for the monthly rental to calculate the health insurance premium.
In this case, you must submit a free residency certificate so that your insurance premium can be adjusted. In addition, if you call the public corporation call center, they will ask you to fax the landlord’s resident registration card, etc.
For reference, the current rent evaluation rate is 30%. In other words, it is evaluated with only 30% of the deposit plus 40 times the monthly rent. You can get a deduction of at least 500,000 won here.