File Indemnity Health Insurance Claims Directly Through Naver and Toss: How to Find Hospitals Without the Silson24 App
Starting 2026-10-07, the service has been improved so users can complete the indemnity health insurance claim process directly within Naver Map, Naver Pay, and Toss. There is no need to install the separate Silson24 app, but users must first check whether the hospital or pharmacy where they received treatment is connected to the electronic claims system.
In particular, Naver Map has added indicators and search filters to identify hospitals participating in Silson24. The key improvement is that users can now check whether a hospital supports paperless indemnity health insurance claims while searching for medical facilities.
What Changed for Indemnity Health Insurance Claims Through Naver and Toss Starting October 7?
The biggest change is that users no longer need to go through as many steps involving a redirect to the Silson24 website.
Indemnity health insurance claims through Naver and Toss have been available since 2025-11-28. Even then, users could access the service without installing the separate Silson24 app or registering for an account. However, the actual claims process required them to navigate to the Silson24 website.
Starting 2026-10-07, the service has been improved so users can complete the claims process entirely within Naver Map, Naver Pay, or Toss.
| Category | Previous Method | Starting October 7 |
|---|---|---|
| Claims process | Redirected to the Silson24 website | Completed within Naver or Toss |
| App installation | Available without separately installing Silson24 | Available without separate installation |
| Information entry | Review and enter claim information | Some entries can be skipped with MyData consent |
| Participating hospital search | Search for connected hospitals | Naver Map filters and banners available |
There is an important distinction to understand here.
Not Needing to Install the Silson24 App Does Not Mean Every Hospital Supports Paperless Claims
To use the electronic claims service, users must check whether the relevant medical institution is connected to Silson24.
How to Find Hospitals Supporting Silson24 Claims on Naver Map
On Naver Map, users can identify hospitals participating in Silson24 through search filters and banners on hospital detail pages.
This feature can be used before visiting a hospital or to check whether a hospital where treatment has already been received supports electronic claims.
Follow these steps:
1. Open the Naver Map app or Naver Map search page.
2. Search for the name of the hospital where you received treatment or hospitals in the area you plan to visit.
3. Look for the 'Silson24' option among the hospital search filters.
4. Apply the filter to find hospitals that support electronic Silson24 claims.
5. Check the hospital's detail page for a banner indicating participation in Silson24.
6. Use the available link to the indemnity health insurance claims service.
Naver Map now provides dedicated banners identifying hospitals participating in Silson24, along with links to the claims service.
However, a hospital appearing in the search results after applying the filter does not necessarily mean that a specific treatment record can be selected and submitted as a claim. Users should also verify that the relevant treatment record appears during the claims process.
How to Submit Indemnity Health Insurance Claims Through Naver Pay and Toss
Naver Pay and Toss allow users to review their insurance policies and treatment records before submitting indemnity health insurance claims.
According to the Financial Services Commission, the basic electronic claims process through Silson24 is as follows:
1. Find the indemnity health insurance claims service in Naver Pay or Toss.
2. Complete the identity verification process.
3. Retrieve and select your indemnity health insurance policy.
4. Review the hospital where you received treatment and the relevant treatment records.
5. Complete the claim form.
6. Review the claim details and submit them.
7. Confirm that the claim has been submitted successfully.
Actual menu names and screen layouts may differ depending on the app.
The service has also been improved so that consumers who consent to MyData access can submit claims without separately entering information such as the medical institution, treatment date, insurance company, and bank account number.
MyData is a service that connects and uses financial information based on the user's consent.
Therefore, when using automatic information entry, users should review the consent terms and verify that the claim information is accurate.
How Many Hospitals Participate in Silson24?
As of 2026-09-28, 5만 340 medical institutions nationwide had completed electronic integration with Silson24, out of a total of 10만 5,643 institutions.
The overall integration rate was 47.7%.
| Medical Institution Category | Integration Completed | Integration Rate |
|---|---|---|
| Hospitals and public health centers | 4,685 | 60.0% |
| Clinics and pharmacies | 45,655 | 46.7% |
| Total | 50,340 | 47.7% |
These figures were compiled as of 2026-09-28.
Medical institutions that have agreed to participate in Silson24 or use compatible electronic medical record software and are expected to become connected in the future must be distinguished from institutions that have already completed integration and can process electronic claims.
Therefore, rather than assuming claims are available simply because a hospital plans to participate, it is more accurate to check its actual integration status.
The government has announced a target of increasing the Silson24 integration rate among medical institutions to 80~90% by the end of 2026. However, this is a future target, not a level that has already been achieved.
How Can You File a Claim If Your Hospital Is Not Connected to Silson24?
If a hospital has not completed electronic integration with Silson24, users should check the existing claims procedures provided by their insurance company.
Silson24 is a system through which medical institutions electronically transmit the documents required for insurance claims to insurance companies at the consumer's request.
Medical institutions that are not electronically connected may be unable to use this document transmission feature.
In such cases, users should check their insurer's app or website for instructions on submitting claims and the supporting documents required.
Conversely, if a medical institution is connected to Silson24, users can take advantage of electronic transmission for basic claims documents, including receipts, itemized medical expense statements, and prescriptions.
However, if additional supporting documents are required for the insurance company's review, users should follow the insurer's separate instructions.
What to Check Before Filing an Indemnity Health Insurance Claim
When using Silson24, understanding the following three distinctions can make the claims process easier.
First, Check Whether the Hospital Is Electronically Connected
You can verify this by searching for hospitals participating in Silson24 on Naver Map or by looking up medical institutions through the Silson24 service.
Second, Check Whether Your Actual Treatment Records Are Available
Even if a hospital is connected to the system, you should confirm that you can select your own treatment records during the claims process.
Third, Claim Submission and Insurance Payment Are Separate Processes
Completing a claim through Silson24 does not guarantee that the insurance benefit will be paid. Whether payment is approved and how much is paid depend on the coverage terms of the policy and the insurance company's review results.
Frequently Asked Questions
Can I File an Insurance Claim Without Installing the Silson24 App?
Yes. You can use the electronic indemnity health insurance claims service through Naver and Toss. Starting 2026-10-07, the process has been improved so users can complete claims directly within Naver Map, Naver Pay, and Toss.
Does Finding a Hospital on Naver Map Mean I Can File an Indemnity Health Insurance Claim There?
No. You must verify that the hospital has completed electronic integration with Silson24. You can use the Silson24 filter and participating hospital banners added to Naver Map.
Can I Still File a Claim If I Do Not Consent to MyData?
MyData consent is related to the feature that automatically retrieves certain claim information. The basic Silson24 claims process consists of identity verification, insurance policy lookup, treatment record selection, claim form completion, and submission.
Will Insurance Benefits Be Paid Immediately If I Apply Through Toss or Naver?
Submitting a claim and receiving an insurance payment are separate processes. The insurance company reviews the claim and determines whether payment will be made and the amount payable based on the policy's terms and conditions.
Checking Before Visiting a Hospital Can Make Claims Easier
The indemnity health insurance claims service improved in 2026-10-07 focuses on reducing the inconvenience of having to leave Naver or Toss and navigate to a separate website after starting a claim.
However, whether a claim can actually be submitted without paper documents depends on the medical institution's electronic integration status.
Before visiting a hospital, check its participation in Silson24 through Naver Map. After receiving treatment, review your treatment records and insurance policy through Naver Pay, Toss, or Silson24, then proceed with your claim.