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(2)Injury or Sickness Benefits (3)Permanent Disability Benefits
(Temporary Disability Benefits) An insured person suffers from injury or
In case an insured person does not receive sickness and the person's condition is stable
original salary payment due to injury or after medical treatment but no improvement
sickness for which he/she is under medical could be expected for further treatment,
treatment, he/she is entitled to claim injury and if the insured person is diagnosed to be
or sickness benefits from the fourth day permanently disabled by the national health
when he/she is unable to work full day. Injury insurance specially contracted hospitals
or sickness benefits include ordinary injury and the disability comply with the disability
or sickness benefits (only claimable during benefit standard regulation, the insured
the period of inpatient hospitalization) and person could claim permanent disability
occupational injury or sickness benefits (can benefits.
be claimed during the period of inpatient ① Lump-Sum Disability Benefits
hospitalization as well as outpatient medical The benefits are available to an insured
care. The benefit, however, shall not cover person whose disability conditions
the period when the insured person is not conforming to the criteria stipulations
receiving any treatment).
of disability benefits payout, but not yet
① Ordinary Injury or Sickness Benefits reaching the “permanent inability to work”
The benefits of ordinary injury or sickness payout item (a total of 201 disability
for inpatient hospitalization will be payable items); or an insured person whose
at the rate of 50% of the average monthly disability conditions conforming to the
insurance salary of an insured person for “permanent inability to work” payout item,
a maximum period of 6 months. When and also has insured seniority prior to
an insured person has at least one full January 1, 2009, may also choose to file
year of insurance coverage prior to the for the lump-sum benefits payout.
occurrence of injury or sickness, such ※Payment Standards:
benefits shall be payable for an additional A.It is calculated by averaging the actual
6 months. monthly insurance salary 6 months
② Occupational Injury or sickness before the month when the insurance
Benefits accident occurred to the insured person
The benefits of occupational injury or (which is the date the insured person is
sickness for inpatient hospitalization and diagnosed as permanently disabled);
outpatient medical care will be payable the average daily insurance salary
at the rate of 70% of the insured person's is calculated by dividing the average
average monthly insurance salary. In case monthly insurance salary by 30.
an insured person has not recovered from B.There are fifteen levels defined for
injury or sickness after one full year and disability classification. The highest is
been unable to work, the benefits shall Level 1, in which the insured are paid
be reduced to 50% of average monthly up to 1,200 days; the lowest is Level
insurance salary for a maximum period 15, in which the insured get paid for 30
of 1 year. Total compensation payment days. An insured person will be paid
period is 2 years. an additional 50% of the original lump-
Chapter Two Profile of Labor Insurance and Labor Protection Programs 11
