Naver, Toss to offer in-app insurance claims from next week as gov't eyes fines for holdouts

Starting next week, users will be able to file indemnity insurance claims directly within the Naver and Toss apps without being redirected to a separate website. The government said it will expand platform integration for Silson24, its digitized indemnity insurance claims service, and pursue an amendment to the Insurance Business Act that would allow fines against medical institutions that refuse to connect to the system.

The Financial Services Commission announced Wednesday that it would broaden the network of medical institutions linked to Silson24 and improve user convenience by enabling full claims processing within platforms such as Naver and Toss.

From Oct. 7, users will be able to complete the entire indemnity insurance claims process inside Naver Maps, Naver Pay and the Toss app. Previously, users accessing the service through those platforms were redirected to the Silson24 website to finish their claims. Going forward, the process will be completed entirely within each platform. Consumers who have consented to share their MyData will no longer need to manually enter details such as the medical institution visited, the date of treatment, their insurer or their bank account number.

Naver Maps will also gain new features to help users find medical institutions participating in Silson24. A dedicated banner will appear on the detail pages of participating hospitals, along with a direct link to file an insurance claim. A new "Silson24" filter will be added to the search function, allowing users to view only institutions where digitized claims are available.

Silson24 works by having consumers submit a claim request through an app or website, after which the medical institution electronically transmits receipts, itemized billing statements and prescriptions to the insurer. The service launched in October 2024 for hospitals and public health centers, and expanded last October to cover clinics and pharmacies.

However, the share of medical institutions connected to the system remains below half. As of Monday, 50,340 of the country's 105,643 medical institutions had joined Silson24, for a connectivity rate of 47.7 percent. Among hospitals and public health centers, 60.0 percent have connected, while the rate for clinics and pharmacies stands at 46.7 percent. Silson24 has about 5.21 million subscribers and has processed about 4.61 million cumulative claims.

The government reaffirmed its goal of raising the connectivity rate to between 80 and 90 percent by year-end. It plans to send officials directly to unconnected institutions to encourage participation and to offer incentives by featuring participating hospitals within the Silson24 app. Authorities are also in talks with the Ministry of Health and Welfare on streamlining the certificate issuance process.

If voluntary participation proves insufficient to raise the rate, the government said it will tighten legal obligations. It is reviewing an amendment to the Insurance Business Act that would clarify the duty of medical institutions and electronic medical record vendors to connect to Silson24, and allow fines against those that fail to do so without justification.

The government also plans to run promotional campaigns next month using television, radio, online channels and in-hospital kiosks, and will launch a public video contest starting in November.

Financial Services Commission Vice Chairman Kwon Dae-young said the digitized indemnity insurance claims system is "in effect public infrastructure available to about 40 million people," adding that "with the current connectivity rate of around 47 percent, the practical benefit felt by the public is still limited — we will do our utmost to ensure that people can easily file indemnity insurance claims at any hospital or clinic across the country."

Meanwhile, insurers spent 118.4 billion won ($87.2 million) building Silson24 in 2024 and continue to bear annual operating costs of 24.27 billion won.