If you've moved house and changed phone numbers a few times while living in Korea, it's worth a check: an insurer may have sent a "come claim your payout" notice that never reached you. Unclaimed insurance money like this adds up to over ₩10 trillion nationwide.
The short answer: at Naeboheom Chajajum ("Find My Insurance," cont.insure.or.kr), one identity check shows every policy you hold and any unclaimed money — free — and lets you claim it on the spot. It's run jointly by the life and non-life insurance associations, so it's official.
A one-minute check
- ① Go to cont.insure.or.kr (PC or mobile, 24/7)
- ② Verify your identity — phone, simple auth (Kakao/Naver), or a joint/financial certificate
- ③ Consent to data sharing → it gathers records from every insurer in about 30 seconds
- ④ Look for "unclaimed" and "dormant" payouts → if there's an amount, hit claim
Online claims are paid to your own account, usually within 1–5 business days. Small amounts (e.g., under ₩1 million) are often paid automatically once you enter an account.
Easy things to miss
- Mind the time limit. The right to claim can lapse 3 years after the payout became due — claim as soon as you find it.
- Check for your parents too. Older people often forget old policies; it's easiest if they authenticate themselves.
- For a deceased relative's payout, heirs can check via the government's "Safe Inheritance One-Stop Service" on Gov24.
- Phishing warning. Any text or call demanding a fee or personal details to "find your hidden insurance money" is a scam. This service is 100% free.
FAQ
Is it really free?
Yes — a public-interest service run by the life and non-life insurance associations; both lookup and claim are free.
Does it work at night or on weekends?
Lookup is available 24/7. Some insurers only process the actual claim during weekday business hours.
Are post-office or mutual-aid policies included?
It centers on life and non-life insurance, so some special or very recent policies may be missing — contact that insurer directly if so.
"No way I'd have any" — check anyway, it takes three minutes. Forgotten maturity or mid-term payouts turn up surprisingly often.
This is general 2026 information; lookup and payment details vary by product and policy.
