Dental Insurance Claims in Korea: Receipts and Paperwork for Cigna, Allianz and Other Insurers
To claim dental treatment in Korea from Cigna, Allianz or another international insurer, ask the clinic for a treatment fee receipt (진료비 영수증), an itemized statement (진료비 세부산정내역서) and, if needed, a dentist's note or certificate. Lucid Dental Clinic in Gangnam, Seoul can talk you through these at booking; submit them through your insurer's app.
Key facts
- Korean clinics issue a standard treatment fee receipt (진료비 영수증) and an itemized statement (진료비 세부산정내역서).
- Cigna Global accepts claims via its online Customer Area, email, fax or post, and asks for the policy number on all documents.
- Allianz Care says claims go through the MyHealth app with no paper form, within six months after the insurance year ends.
- Allianz Care requires a medical report for orthodontic treatment claims.
- NHIS outpatient copay at clinic-level providers is 30% of covered costs.
- Korea's tourist VAT refund for cosmetic medical procedures ended December 31, 2025.
What documents do I need to claim dental treatment in Korea on private insurance?
Most international insurers want three things: an itemized invoice, proof you paid, and some confirmation of what was diagnosed and done. In Korea that usually means a treatment fee receipt, an itemized statement of charges, and, for larger claims, a dentist's certificate or note.
Korean clinics use standard document names. Knowing them makes the request quick at the front desk, even if you point at this page on your phone. The table below lists the papers expats most often ask for, what each one proves, and when you typically need it.
| Document (Korean) | Romanization | What it shows | When insurers usually want it |
|---|---|---|---|
| 진료비 영수증 | jillyobi yeongsujeung | Treatment fee receipt: date, total paid, covered vs. non-covered amounts | Every claim |
| 진료비 세부산정내역서 | jillyobi sebu sanjeong naeyeokseo | Itemized line-by-line charges for each procedure | Most claims, especially multi-item visits |
| 진단서 | jindanseo | Formal medical certificate with diagnosis | Larger claims, accident claims, some pre-authorizations |
| 소견서 | sogyeonseo | Dentist's written opinion or treatment explanation | Treatment plans, orthodontics, "medical necessity" questions |
| 카드 영수증 | kadeu yeongsujeung | Card payment slip (proof of payment) | When the insurer asks for proof you actually paid |
A formal certificate such as a jindanseo can carry a small administrative fee at Korean clinics, so ask for it only if your insurer actually requires it. Check your policy wording first.
How do I claim from Cigna Global for dental work done in Seoul?
Cigna Global asks members to send their invoice and a claim form, and it says a claim form is not needed if you send confirmation of your diagnosis or an explanation of treatment. You can submit through the online Customer Area, by email, fax, or post.
Cigna's printable dental claim form has a section marked to be completed by the dentist, listing each treatment, the date and the charge. If you want to use that form, bring a printed copy to your appointment and ask for it to be filled in before you leave. Cigna also says to put your policy number on every document you send, and to tell them about emergency treatment within 48 hours. Rules differ between Cigna plans (for example, employer group plans versus individual Cigna Global plans), so read your own member guide.
How do I claim from Allianz Care for dental work in Korea?
Allianz Care says members can submit claims online through the MyHealth app or portal without a paper form, attaching all supporting receipts and invoices. Its FAQ states that claims should be sent no later than six months after the end of the insurance year.
Allianz Care also says a medical report is needed for some claim types, and orthodontic treatment is one of them. If you are claiming for braces, clear aligners or LUCINATE Orthodontics, ask the dentist for a sogyeonseo describing the problem and the plan. Some treatments are paid directly by Allianz only after pre-authorization, so check your Table of Benefits before starting anything major.
Step by step: getting your claim paperwork right the first time
- Read your policy before booking. Look for dental limits, waiting periods, whether cosmetic work is excluded, and whether pre-authorization is required for crowns, implants or orthodontics.
- Tell the clinic you will be claiming. Mention it when you book on WhatsApp so the team knows which documents you will want.
- Get a written treatment plan with fees. Many insurers want to see the plan and estimated cost before approving larger work.
- Pay and collect the receipt and itemized statement on the day. It is easier than requesting them weeks later from abroad.
- Ask for a certificate or dentist's note only if needed. Match the request to what your insurer lists.
- Photograph or scan everything. Keep originals too; Cigna's paper form asks for original receipts when posted.
- Submit promptly and note deadlines. Upload through the insurer's app or portal and write down the claim reference.
Will my insurer accept receipts written in Korean?
Often yes, but it depends on the insurer, and neither Cigna's nor Allianz Care's claims pages we reviewed spell out a translation rule. Korean receipts use a standard layout with dates, amounts in won and procedure lines, which claims teams usually handle.
To reduce back-and-forth, write a short English cover note listing each document, the date of service, the total in KRW, and a one-line description of the treatment. You can ask the clinic whether English wording can be added to a dentist's note; our guide to English dental records in Korea explains which records are worth requesting before you leave.
What if I also have Korean national health insurance (NHIS)?
If you are enrolled in NHIS, covered items are billed with your NHIS copay first, and the Korean receipt typically shows the covered and non-covered amounts separately. Your private insurer then usually looks at what you personally paid.
According to NHIS, the outpatient copay at a clinic-level provider is 30% of the covered care cost. Items such as annual scaling for adults 19 and over may be partly covered, while veneers, whitening and most orthodontics are typically not covered. Our page on NHIS dental coverage for foreigners goes into detail. Always confirm your own eligibility with NHIS.
Which treatments do private dental policies typically cover?
Coverage varies by plan, but international policies commonly separate routine, basic and major dental care, and many exclude purely cosmetic work. Here is how Lucid Dental Clinic's reference fees line up with those typical categories.
| Treatment | Lucid reference fee (from) | Typical policy category |
|---|---|---|
| Resin filling | ₩60,000–150,000 (≈US$43–107) | Basic / minor |
| Inlay | ₩300,000 (≈US$214) | Basic or major, depends on plan |
| Implant (fixture + abutment + zirconia crown) | ≈₩1,190,000–1,490,000 before grafting (≈US$850–1,064) | Major; often needs pre-authorization |
| Night guard | ₩600,000 (≈US$429) | Varies; sometimes covered with a diagnosis |
| LUCINATE Classic veneer | ₩1,190,000 per tooth (≈US$850) | Usually cosmetic; often excluded |
USD figures are approximate at roughly ₩1,400 per US$; check today's rate. Fees are reference "from" prices, and your final cost is confirmed at consultation. Korea's VAT refund for cosmetic medical procedures for tourists ended on December 31, 2025, so do not count on a tax refund for veneers or whitening. See the full Seoul dental price list or our dental implants page.
Common reasons dental claims get delayed
- No itemized breakdown, only a total amount.
- Missing proof of payment or a policy number on the documents.
- Major work started without the pre-authorization the policy required.
- Claims for cosmetic treatment under a plan that excludes it.
- Submitting after the insurer's deadline.
If a claim is refused, ask the insurer exactly which document or detail is missing. Usually one extra paper fixes it.
Medically reviewed by Dr. Park Hyun-min, Prosthodontist, Lucid Dental Clinic. Last reviewed September 27, 2026. This page is general information, not a diagnosis; individual results vary, and a consultation and exam are required.
Book a consultation
Tell us which insurer you have when you book, and we can talk through the paperwork you will need. More help for newcomers is on our international patients page. Message us on WhatsApp at +82-10-8354-2975 or use our WhatsApp booking link. Lucid Dental Clinic is on the 3rd–4th floors of the COWAY Building, 606 Nonhyeon-ro, Gangnam-gu, directly in front of Exit 3 of Eonju Station (Line 9).
Frequently asked questions
Does Lucid Dental Clinic bill Cigna or Allianz directly?
Do not assume direct billing. Unless your insurer has confirmed a direct-settlement arrangement in writing, plan to pay at the clinic and claim reimbursement afterward. Ask your insurer before your visit.
How long after treatment can I get a copy of my receipt?
It is simplest to collect receipts and the itemized statement on the day you pay. If you need copies later, message the clinic on WhatsApp with your name and treatment date. Plan ahead if you are leaving Korea soon.
Can I claim veneers or whitening on private insurance?
Many international policies treat veneers and whitening as cosmetic and exclude them. Some plans may cover a restoration if there is a clinical reason, such as a fractured tooth. Check your policy wording and ask your insurer before treatment.
What currency will my Korean receipt be in?
Korean receipts are issued in Korean won (KRW). Your insurer converts the amount, and some plans let you choose the currency you are reimbursed in. Keep your card statement in case they ask for the exchange rate you paid.
Do I need X-rays for an insurance claim?
Not always. Insurers sometimes ask for X-rays or photos for major work such as crowns, implants or orthodontics, especially at pre-authorization. Ask your insurer what they want, then request copies at your appointment.
Can I use both NHIS and private insurance for the same visit?
Often yes. If you are enrolled in NHIS, covered items are billed with your NHIS copay first, and your private insurer typically considers what you paid out of pocket. Confirm the rules with both insurers.