Insurance & Payment

Before any procedure is scheduled, you will receive a written treatment plan and cost estimate. Insurance coverage and reimbursement are determined by your insurer and cannot be guaranteed by the clinic.

Written Estimates Before Treatment

Treatment costs vary according to:

• The diagnosis
• The area and number of treatment sites
• The procedure recommended
• The number of sessions required

Whether imaging, rehabilitation or follow-up treatment is needed

After reviewing your condition, we provide a written estimate before you schedule or pay for a procedure.

The estimate may include:

• Consultation and imaging
• Proposed treatment
• Recommended number of sessions
• Expected length of stay in Seoul
• Follow-up requirements

Additional treatment that may be considered

An estimate is based on the information available at that time. The final treatment plan may change if the physical examination or additional imaging identifies a different condition.

You will be informed of any change in the proposed treatment or cost before proceeding.

Preliminary Record Review and Medical Consultation

International patients may send medical reports and imaging before travelling.

A preliminary review can help determine whether an in-person evaluation at Nucellin is likely to be worthwhile. It is not a confirmed diagnosis and does not replace a medical consultation and physical examination.

When a paid online consultation or in-person consultation is required, the consultation fee will be explained before booking.

No procedure is confirmed solely from a message, written report or imaging file.

Korean National Health Insurance

Patients enrolled in Korea’s National Health Insurance Service may receive coverage for eligible medical services.

Depending on the service provided, coverage may apply to certain:

• Medical consultations
• X-rays
• Prescription medication
• Conventional orthopedic treatment

Many regenerative, biologic and specialised non-covered treatments are paid for separately by the patient.

These may include selected:

• Activated PRF procedures
• Cell-based treatments
• Regenerative injection treatments
• Shockwave therapy
• Specialised rehabilitation programmes

Before treatment, we will explain which parts of the proposed plan are covered by Korean National Health Insurance and which are non-covered services.

Patients enrolled in Korean National Health Insurance should bring their Korean Residence Card or another accepted form of identification.

Patients Without Korean National Health Insurance

International visitors and patients who are not enrolled in Korean National Health Insurance are generally treated on a self-pay basis.

You will receive a written estimate before a procedure is scheduled.

Payment is made directly to the clinic. You may then submit the medical and payment documents provided by the clinic to your private insurer for possible reimbursement.

Approval and reimbursement are determined solely by the insurance provider.

TRICARE and U.S. Military-Affiliated Patients

TRICARE coverage depends on several factors, including:

• Your specific TRICARE plan

Whether a referral is required

Whether prior authorisation is required

Whether the proposed service is covered

• The overseas claim process
• The insurer’s assessment of medical necessity

Nucellin cannot guarantee TRICARE authorisation, coverage or reimbursement.

Some overseas patients may be required to pay the clinic first and submit a claim afterwards.

Before scheduling treatment, please contact TRICARE Overseas or the organisation managing your plan to confirm:

Whether the proposed treatment is covered

Whether a referral or prior authorisation is required

Whether treatment at the clinic is eligible for reimbursement

Which documents, codes or forms are required

How and when the claim should be submitted

We can provide available English medical and payment documentation. Final approval remains the responsibility of TRICARE.

International Health and Travel Insurance

Nucellin generally does not bill international health or travel insurers directly unless a separate arrangement has been confirmed in advance.

Most international patients pay the clinic directly and then apply to their insurer for reimbursement.

Before travelling, ask your insurer:

Whether planned medical treatment abroad is covered

Whether prior authorisation is required

Whether outpatient care is covered

Whether regenerative or cell-based procedures are covered or excluded

Whether rehabilitation and follow-up are included

Whether there is a reimbursement limit

Which medical documents and procedure codes are required

Travel insurance intended mainly for emergencies may not cover treatment that was planned before departure.

Please obtain confirmation directly from your insurer before booking flights, accommodation or treatment.

Documents We Can Provide

Depending on the treatment received and the requirements of your insurer, we can provide available English documentation such as:

• Itemised receipt
• Proof of payment
• Medical consultation summary
• Diagnosis and treatment summary
• Procedure details
• Relevant medical records
• Medical certificate when clinically appropriate
• Written treatment plan
• Cost estimate

Please tell us before treatment if your insurer requires a specific form, code or document format.

We will provide the medical documentation available from the clinic, but we cannot guarantee that an insurer will accept the documents or reimburse the treatment.

• Payment Methods

Accepted payment methods and payment timing will be confirmed with your written estimate.

Payment options may include:

• Credit or debit card
• Korean bank transfer
• Other pre-arranged payment methods

Treatment fees are normally charged in Korean won.

Currency-conversion fees, international card charges and overseas bank fees are determined by your card issuer or financial institution.

Please let us know in advance if you require:

• A particular payment method
• An English receipt
• Proof of payment
• Documentation for an overseas insurance claim

Deposits, Cancellations and Rescheduling

Some procedures require advance preparation, a separately reserved procedure time or coordination of additional medical resources.

When a deposit is required, the amount and applicable cancellation or rescheduling terms will be explained before payment.

Please inform the clinic as early as possible if:

• Your travel dates change
• You need to postpone treatment
• Your medical condition changes
• You begin taking a new medication

You are unable to attend the scheduled appointment

• When the Treatment Plan Changes

The final recommendation is made after medical consultation and examination.

Dr. Kim may recommend:

• A different treatment
• Additional imaging
• Rehabilitation before a procedure
• Surgical consultation
• Continued treatment in your home country
• No procedure at that time

A more complex or expensive procedure is not automatically the most appropriate treatment.

You will be informed of any resulting change in cost before deciding whether to proceed.

• Important Insurance Notice

A treatment estimate from the clinic is not a guarantee of insurance coverage.

Prior authorisation may also not guarantee final reimbursement.

Payment may depend on:

• Policy exclusions
• Medical-necessity requirements
• Deductibles
• Copayments
• Annual benefit limits
• Procedure-specific restrictions
• The insurer’s claim review

Please confirm your benefits directly with your insurer before committing to treatment or international travel.

Know the proposed treatment, expected cost and insurance limitations before you proceed.