The South Korean government is actively promoting the digitalization of medical expense insurance claims through the ‘Silson24’ system. This initiative, led by the Financial Services Commission (FSC) and supported by related agencies, aims to streamline the insurance claim process for patients and healthcare providers. The policy responds to public demand for a system where hospitals can directly submit insurance claims to insurers, eliminating the need for patients to handle complex paperwork. The ultimate goal is to enhance convenience, reduce administrative burdens, and improve overall satisfaction for both consumers and medical institutions.
The policy impacts a wide range of stakeholders, including patients, hospitals, clinics, pharmacies, and insurance companies. As of April 1, 2026, 29,849 out of 104,925 eligible healthcare institutions (28.4%) are connected to Silson24, allowing patients to claim insurance benefits via smartphone without visiting hospital counters. The connection rate is higher among larger hospitals and public health centers (56.1%) compared to clinics and pharmacies (26.2%). However, participation remains limited due to major EMR (Electronic Medical Record) vendors not yet joining the system and some clinics perceiving low benefit from integration.
The digital claim system was first implemented in October 2024 for hospitals and public health centers, and expanded in October 2025 to include clinics and pharmacies. Despite the rollout, challenges persist, such as technical hurdles for smaller institutions and the need for further incentives to encourage EMR vendor participation. The FSC and related organizations are addressing these issues by offering technical support, simplifying application procedures, and planning program improvements by the second and third quarters of 2026. Additional features, such as integrated insurance policy lookup and enhanced app connectivity, are scheduled for release to boost consumer convenience.
Frequently asked questions include: Why is the connection rate still low? The main reasons are non-participation by major EMR vendors and limited perceived benefit for some clinics. What actions are being taken to improve participation? The government is negotiating with EMR vendors, providing technical support, and introducing incentives for clinics. How can consumers benefit from Silson24? Patients can claim insurance benefits digitally without paperwork or hospital visits, and will soon be able to check all their insurance policies in one place and use familiar banking or insurance apps for claims.
The Silson24 program demonstrates a robust policy response to public demand for streamlined insurance claims in South Korea. While current participation rates are not yet optimal, the government’s strategy of technical support, incentives, and improved consumer features is well-aligned with the challenges identified. Continued negotiation with EMR vendors and targeted outreach to clinics will be critical for broader adoption. If these measures are effectively implemented, Silson24 has the potential to greatly enhance convenience and satisfaction for both patients and healthcare providers.