"File indemnity health insurance claims through NAVER and Toss"... FSC to raise the Silson24 linkage rate to 90%

[Financial News] As Silson24, the electronic indemnity health insurance claims service, enters its third year, the Financial Services Commission plans to raise its linkage rate among medical institutions to 90% by the end of the year. The FSC will also improve the service so that consumers can easily file claims through the NAVER and Toss apps, while stepping up promotional efforts.
According to the FSC on the 30th, 50,340 of the 105,643 medical institutions nationwide are currently linked to Silson24. The FSC aims to achieve a linkage rate of 80% to 90% by the end of the year by strengthening on-site support and revising certain laws. Silson24 is a system through which hospitals electronically transmit insurance claim documents to insurers when consumers request claims through the app, website, or platforms such as NAVER and Toss. The service was first introduced in October 2024 for hospital-level medical institutions and public health centers as part of the first phase, before expanding to clinics and pharmacies in October 2025 as part of the second phase. As of the end of September, 1,107 hospitals, 3,578 public health centers, 24,995 clinics, and 20,608 pharmacies nationwide were linked to the service. A total of 5.21 million consumers had signed up for Silson24, resulting in 4.61 million claims.
The FSC plans to improve the convenience of filing indemnity health insurance claims through platforms to promote Silson24. Starting October 7, consumers will be able to file claims through NAVER Map, NAVER Pay, and the Toss app without being redirected elsewhere. If they consent to the use of MyData, consumers can file claims without entering the medical institution, treatment date, insurer, or account number. On NAVER Map, hospitals participating in Silson24 will be identified with banners on their detailed pages and a separate filter, making it easier for consumers to find hospitals where claims can be filed.
To increase the linkage rate, the FSC is contacting and visiting medical institutions directly to encourage participation while providing linkage incentives. It is also working to clarify the obligation of medical institutions and Electronic Medical Record (EMR) companies to link to Silson24, and pursuing revisions to the Insurance Business Act that would allow fines to be imposed for failing to link to the service. In cooperation with the Ministry of Health and Welfare (MOHW), the FSC will also simplify certificate issuance and send official letters to medical institutions that have not joined the system.
Public outreach will also be expanded. In addition to promotions through broadcast media, online channels, and kiosks inside hospitals, public participation campaigns—including a Silson24 promotional video contest—will begin in November. The government plans to continuously monitor inconveniences arising during the use of Silson24 and pursue improvements to the system.
At a review meeting of the Silson Electronic Claims System Operations Committee held that day, FSC Vice Chairman Kwon Dae-young said, "Indemnity health insurance is a second health insurance plan subscribed to by approximately 40 million people." He added, "The electronic indemnity health insurance claims system is effectively public infrastructure that can dramatically improve the convenience of filing indemnity health insurance claims for the public." Kwon emphasized, "There are limits to relying solely on the voluntary cooperation of medical institutions and EMR companies. If necessary, we will pursue system improvements, including the imposition of fines." The approach is to raise the linkage rate through carrots and sticks.
[email protected] Park Moon-soo Reporter