Citizens’ Safety Insurance - 영문 누리집

Details of the insurance program

Contract period Feb. 23, 2024 – Feb. 22, 2025
Eligibility All residents who have been officially registered in Hanam (including registered foreign nationals and registered Overseas Koreans)

강조People who newly register in the city during the contract period are automatically insured, while people who de-register (move away) from the city automatically lose their coverage.

Compensations and insurance claims

Compensations and insurance claims - Type, Compensations, Coverage limit
Type	Compensations	Coverage limit
Medical expenses for injuries (including funeral expenses)	If medical expenses (including emergency expenses, treatment, surgery, X-rays, inspections, hospitalization charges, etc.) or funeral expenses arise for a Hanam citizen from an accident	KRW 500,000 per person (up to KRW 20 million per person for funeral expenses)
Post-injury disability (excluding traffic injuries)	If a Hanam citizen (excluding traffic injuries) experiences a 3-100% post-injury disability directly resulting from an injury	Up to KRW 10 million per person
Expenses for the treatment of traffic accidents and injuries incurred by children while walking	If a child under the age of 13 (0 to 12 years old) registered as a resident of Hanam City is injured as a pedestrian due to a traffic accident, such as a collision or contact with a moving vehicle, or due to a collision, contact, fire, or explosion involving such vehicles, and subsequently receives an injury grade (ranging from grade 1 to 14) from the Table of Injury Severity Grades as prescribed by the Enforcement Decree of the Compulsory Motor Vehicle Liability Security Act.	KRW 1 million per person

강조KRW 30,000 deductible per claim for medical expenses related to injuries (no deductible for funeral expenses or post-injury disability)

강조Expenses for the treatment of traffic accidents and injuries incurred by children while walking: Payments vary depending on the grade level. Please refer to the Q&A [Table of Injury Severity Grades from Motor Vehicle Accidents] below.

Limits on insurance payment

Limits on insurance payment
Medical expenses for injuries (including funeral expenses) Limits on insurance payment	1Disease, aging 2Traffic accident (However, traffic injury accidents in school zones (12 years old or below), traffic injury accidents in senior zones (65 years old or above), and injury accidents of bicycles and personal mobilization devices (shared/lent and private-owned PM) are covered.) 3Accidents compensated by Article 5(Liability for Damage Caused by Defects in Public Structures, etc.) of the State Compensation Act 4Medical expenses for injuries and funeral expenses guaranteed by the Industrial Accident Compensation Insurance Act, Public Officials' Accident Compensation Act, and other similar laws are not included. 5Non-covered medical expenses(the expenses incurred in relation to items excluded from those eligible for health care benefits pursuant to Article 41 (4) of the National Health Insurance Act, or items excluded from those eligible for medical benefits pursuant to Article 7 (3) of the Medical Care Assistance Act) 6Medical expenses borne by the National Health Insurance Service 7All medical expenses related to epidemic infectious diseases, such as COVID-19 8Injury or death below age 15 9Death by suicide 10Other details conform to the Terms and Conditions of the insurance
Post-injury disability (excluding traffic injuries) Limits on insurance payment	1Post-injury disability compensation is not provided if the injury corresponds to any of the following An injury caused by the collision or contact with a means of transportation (including cargo) in operation when the insurant was not in a vehicle in operation or by the collision, contact, fire, or explosion of these means of transportation An injury caused by a sudden and incidental externally-caused accident while the insurant is riding a means of transportation in operation A sudden and external injury inflicted by a means of transportation to the insurant when the insurant was on a road. 2Damages caused by the following shall be excluded from the accidents defined in (1) Damage occurred during loading and unloading work Damage occurred during incurred while installing, repairing, inspecting, servicing, or cleaning transportation means 3A means of transportation refers to the following items. Trains, electric locomotives, diesel/gasoline trains, cable cars (including aerial cable cars), lifts, elevators, escalators, and monorails Motor vehicles (passenger vehicles, motor vehicles for passengers and freight, freight motor vehicles, special motor vehicles, and motorcycles defined in Article 2 of the Enforcement Rule of the Motor Vehicle Management Act), scooters, bicycles, and motorized bicycles Aircraft, ships (including yachts, motor boats, and boats) Construction machines and agricultural machines (However, they are not considered as a means of transportation while being used as work machines.)
Expenses for the treatment of traffic accidents and injuries incurred by children while walking Limits on insurance payment	1The company will not pay insurance claims if any of the following reasons arise: When the insured intentionally harms themselves. However, if the insured harms themselves while unable to make free decisions due to mental or physical impairment, insurance money will be paid. Where the beneficiary of the insurance intentionally harms the insured. However, if the beneficiary is only a partial recipient of the insurance money, payment will be made to other beneficiaries. When the insurance contractor intentionally harms the insured. Pregnancy, childbirth (including cesarean section), and the postpartum period of the insured person. However, if the insurance payment is due to a covered reason, payment will be made. War, foreign intervention, revolution, civil war, rebellion, riot. 2The company will not pay insurance money when a reason for payment arises due to the following: Incidents occurring during loading or unloading work. Incidents occurring during the installation, repair, inspection, maintenance, or cleaning of a motor vehicle. Incidents occurring while construction or agricultural machinery is in use as work machines.

Documents required for insurance claims

Documents required when filing an insurance claim
Medical expenses for injuries (documents required for all cases)	1An Insurance Claim form 2An Accident Report 3An Agreement to the processing of personal data 4One of the following documents: a certified copy of the Resident Registration or an abstract thereof, a Residence Card, a Certificate of Alien Registration, a Certificate of Domestic Residence Report 5A copy of bankbook 6A receipt for the medical expense payment (indicating the details about coverage/non-coverage by the National Health Insurance) 7An Initial Medical Record Paper 8In the case of a minor, a Certificate of Family Relations, and a copy of the guardian's(recipient's) bankbook
Funeral expenses for death from injury	1An Insurance Claim form 2An Accident Report 3An Agreement to the processing of personal data 4One of the following documents: a certified copy of the Resident Registration or an abstract thereof, a Residence Card, a Certificate of Alien Registration, a Certificate of Domestic Residence Report 5A copy of bankbook 6A Death Certificate (A Postmortem Examination Certificate) 7Other documents related to the inheritance of insurance payment (Certificate of Family Relations, etc.)
Post-injury disability (excluding traffic injuries)	1An Insurance Claim form 2An Accident Report 3An Agreement to the processing of personal data 4One of the following documents: a certified copy of the Resident Registration or an abstract thereof, a Residence Card, a Certificate of Alien Registration, a Certificate of Domestic Residence Report 5A copy of bankbook 6A receipt for the medical expense payment (indicating the details about coverage/non-coverage by the National Health Insurance) 7An Initial Record Paper 8In the case of a minor, a Certificate of Family Relations, and a copy of the guardian's(recipient's) bankbook 9An Post-injury Disability Certificate, a Disability Certificate based on AMA(American Medical Association) Guides to the Evaluation of Permanent Impairment, in the case of mobility impairment (Note: Disability Certificates under the Act on Welfare of Persons with Disabilities are not applicable.) 10Proof of Accident (may be replaced by an Accident Report) 11X-ray, CT, MRI films and reports (must be issued after six months from the date of the accident)
Expenses for the treatment of traffic accidents and injuries incurred by children while walking	1An Insurance Claim form 2An Accident Report 3An Agreement to the processing of personal data 4One of the following documents: a certified copy of the Resident Registration or an abstract thereof, a Residence Card, a Certificate of Alien Registration, a Certificate of Domestic Residence Report 5A Certificate of Family Relations based on children (resident registration numbers required) 6A Copy of the guardian's(recipient's) bankbook Automobile insurance payment statement (injury grade required)

강조Please download the following documents from the official Hanam website: (1) An Insurance Claim form, (2) An Accident Report form, and (3) An Agreement to the processing of personal data and then fill out these forms. You should prepare documents (4) to (11) individually. If any other document is necessary, we will inform you separately.

Filing an insurance claim and inquiries

To file an insurance claim, please submit the essential documents listed above to the Hanam Citizens’ Safety Insurance Claim Center via fax or email, as noted below.

2024 Hanam Citizens’ Safety Insurance Claim Center

Valid period Feb. 23, 2024 – Feb. 22, 2025
Application period Within 3 years from the last day
Contact +82-2-6714-6835 (inquiries on insurance claims or compensation)
Fax +82-505-170-0765
E-mail hanaclaim@hanafn.com
Mobile (Web) claim Available through a QR code at the top of the bill or the Hana Insurance APP (Web)

강조m.hanainsure.co.kr – Menu located next to the upper right magnifier – Compensation - Injury health compensation – Citizens’ Safety Insurance Claims

Forms

New) Insurance claim form, accident report form, agreement to the processing of personal data

Preview Download

2023 Hanam Citizens’ Safety Insurance Claim Center

Valid period Feb. 23, 2024 – Feb. 22, 2025
Application period Within 3 years from the last day
Contact +82-2-6714-6835 (inquiries on insurance claims or compensation)
Fax +82-505-170-0765
E-mail hanaclaim@hanafn.com
Mobile (Web) claim Available through a QR code at the top of the bill or the Hana Insurance APP (Web)

강조m.hanainsure.co.kr – Menu located next to the upper right magnifier – Compensation - Injury health compensation – Citizens’ Safety Insurance Claims

Forms

New) Insurance claim form, accident report form, agreement to the processing of personal data

Preview Download

2022 Hanam Citizens’ Safety Insurance Claim Center

Valid period Dec. 1, 2021 – Feb. 22, 2023
Application period Within 3 years from the end date
Contact +82-1661-4326
Fax +82-070-4758-9626
E-mail safety4326@naver.com

Forms

Old) Insurance claim form, accident report form, agreement to the processing of personal data

Preview Download

FAQ on Hanam Citizens’ Safety Insurance

질문 What is Hanam Citizens’ Safety Insurance?

답변
It is a public insurance program that is directly signed and paid for by the Hanam city through a contract with an insurance provider. The program insures all residents who are officially registered in the city, including registered foreign nationals and registered Overseas Koreans) for injuries incurred due to various disasters and safety accidents. The insurance provider pays compensations to the Hanam residents according to the terms and policy of the insurance.
질문 Do the citizens have to apply for the insurance program?

답변
No. you are automatically insured by the program if your official address is registered in Hanam. No additional cost or subscription required.
질문 What happens if I move into, or away from, Hanam during the insurance contract period?

답변
When you report your move-in to Hanam City, you will automatically be covered by the Citizen's Life Safety Insurance. Conversely, your coverage will be automatically terminated from the moment you move out of Hanam City to other areas.
질문 Can I get covered by my indemnity insurance plan along with the Hanam Citizens' Safety Insurance?

답변
Yes. The insurance program will pay compensations regardless of your private indemnity insurance plans.
질문 What does it mean by compensation for medical expense for injuries (including funeral expenses)?

답변
Of the medical expenses you (a Hanam resident) paid for your injuries, you will be able to receive up to KRW 500,000 (KRW 20 million for funeral expenses) as compensation for the medical expenses for injuries (excluding the medical expense not covered by the National Health Insurance Service and the reimbursement of the National Health Insurance Service to the medical service provider) or funeral expenses. (However, a deductible fee of KRW 30,000 applies per claim for the injury medical expenses, and there is no deduction for funeral expenses.)
질문 Are medical expenses for injuries (funeral expenses) also covered by bicycle accidents and personal mobility devices (PM) accidents?

답변
Yes. The insurance also covers bicycle accidents and PM device (shared/lease and private-owned PM) accidents.
However, post-injury disabilities resulting from accidents involving bicycles and personal mobility devices (corresponding to motorized bicycles) are not covered by the insurance.
질문 What does it mean by post-injury disability (excluding traffic injuries)?

답변
If a post-injury disability occurs from an injury accident other than a traffic accident, you can receive compensation of up to KRW 10 million based on the post-injury disability ratio (3-100%). A means of transportation that is deemed valid to be a cause of traffic injuries include trains, electric locomotives, diesel/gasoline trains, cable cars (including aerial cable cars), lifts, elevators, escalators, monorails, motor vehicles (passenger vehicles, motor vehicles for passengers and freight, freight motor vehicles, special motor vehicles, and motorcycles defined in Article 2 of the Enforcement Rule of the Motor Vehicle Management Act), scooters, bicycles, motorized bicycles, aircraft, ships (including yachts, motor boats, and boats), construction machines, and agricultural machines. (However, the construction and agricultural machines are not considered as a means of transportation while being used as work machines.)
질문 Can I claim medical expenses for injuries if I get hurt in a car accident?

답변
No, you are not eligible to receive compensation for medical expenses resulting from all traffic accidents.
However, you can claim co-payment (the portion of the healthcare service cost paid by patients to the medical service provider when they visit a hospital) for traffic injury accidents in school zones (12 years old or below), traffic injury accidents in senior zones (65 years old or above), injury accident from bicycles, and injury accident from personal mobilization devices (shared/lease and private-owned PM).
Please note that post-injury disability compensation does not cover traffic injuries.

답변

If a child under the age of 13 (0 to 12 years old), registered as a resident of Hanam City, is injured as a pedestrian due to a traffic accident—such as a collision or contact with a moving vehicle—or due to a collision, contact, fire, or explosion involving such vehicles, and subsequently receives an injury grade (ranging from grade 1 to 14) from the Table of Injury Severity Grades as prescribed by the Enforcement Decree of the Compulsory Motor Vehicle Liability Security Act, the company pays the insurance amount according to the grade.

Table of Injury Severity Grades

Table of Injury Severity Grades - Injury grade, Payment amount, Injury grade, Payment amount
Injury grade	Payment amount	Injury grade	Payment amount
Grade 1	100% of the insurance coverage amount	Grade 8	10% of the insurance coverage amount
Grade 2	50% of the insurance coverage amount	Grade 9	8% of the insurance coverage amount
Grade 3	40% of the insurance coverage amount	Grade 10	6% of the insurance coverage amount
Grade 4	30% of the insurance coverage amount	Grade 11	5% of the insurance coverage amount
Grade 5	30% of the insurance coverage amount	Grade 12	4% of the insurance coverage amount
Grade 6	20% of the insurance coverage amount	Grade 13	2% of the insurance coverage amount
Grade 7	15% of the insurance coverage amount	Grade 14	1% of the insurance coverage amount

질문 In what circumstances am I eligible to receive funeral expenses for a death resulting from an injury accident?

답변
We cover funeral expenses of up to KRW 20 million in the case of a death of a Hanam citizen aged 15 or above caused by an accident that occurred in the Republic of Korea.
However, death by suicide, traffic accidents, and industrial accidents are not covered.
질문 What are the specific items covered as funeral expenses for a death caused by an injury accident?

답변
Funeral expenses for the funeral hall and crematory facility are provided. The expenses for purchasing/leasing a burial site or a charnel house are not covered.
질문 Within what period should I file an insurance claim from the date of the accident?

답변
You can file an insurance claim for up to three years after the date of the accident.
Even after the expiration of the insurance period, the insurance provider of the year of the accident is obliged to compensate as long as the total compensation limit has not been reached.