Can You File a Silson 24 Insurance Claim for Your Parents? How the Final Submission Process Differs from Claims for Children
As of October 2026, children can help their parents complete insurance claim forms through Silson 24 even if their parents are unfamiliar with smartphones. However, claims for adult parents are completed only when the parents themselves make the final submission. This differs from the process in which a person with parental authority files a claim on behalf of a minor child.
In particular, if a parent does not have a mobile phone or has difficulty verifying their identity, completing the proxy claim procedure through Silson 24 may be difficult. These requirements should therefore be checked in advance.
1. How Much of a Parent's Medical Insurance Claim Can a Child Handle on Their Behalf?
Silson 24 offers a feature called 'Claims for My Parents/3 Parties.' This service allows children or other individuals to help prepare insurance claim forms when parents have difficulty completing them themselves.
However, preparing a claim form on someone else's behalf must be distinguished from submitting it to the insurance company.
According to the official Silson 24 guidance, even when a representative prepares the claim form, the parent who is the subject of the insurance claim must personally transmit it for the claim to be completed.
Furthermore, helping a parent submit a claim does not entitle a child to receive the insurance payout on the parent's behalf.
| Category | Filing a Claim on Behalf of a Parent |
|---|---|
| Preparing the claim form | Assistance from a child or another 3 party is permitted |
| Final submission | Must be completed by the parent |
| Parent's mobile phone | The process is difficult without one |
| Receiving the insurance payout on behalf of the parent | Not permitted |
Therefore, difficulty using a smartphone does not mean that a child can independently complete every step of a parent's insurance claim.
2. Steps for Helping Your Parents File a Claim Through Silson 24
Before filing a claim for a parent, it is advisable to confirm that the parent has indemnity medical insurance and that the medical institution where treatment was received supports electronic claims.
The official Silson 24 website provides a separate menu for claims involving parents and 3 parties, in addition to the option for filing one's own claims.
The procedure is as follows.
1. Visit the official Silson 24 website or open the app.
2. Select the 'Claims for My Parents/3 Parties' menu.
3. Follow the on-screen instructions to complete the identity verification and authorization procedures required for a proxy claim.
4. Check the parent's insurance policy and the medical treatment records relevant to the claim.
5. Complete the claim form preparation process.
6. Have the parent personally transmit the claim form to complete submission.
The actual sequence of authentication steps and any additional verification requirements may vary according to the service instructions.
The most important part is the final step.
Even if a child has finished preparing the claim form, the claim should not be considered successfully received by the insurance company unless the parent has completed the final submission.
After submission, it is advisable to check the claim history in Silson 24 and confirm the claim's receipt status with the insurance company.
3. Can You File a Claim for Your Parents If They Do Not Have a Mobile Phone?
Silson 24 advises that claims involving parents or 3 parties may be difficult to process when the person concerned does not have a mobile phone.
This is not a problem that can necessarily be solved simply by logging in using the child's mobile phone.
The reason is that the claim form prepared by the representative must be reviewed and transmitted by the policyholder's side.
The appropriate course of action depends on the parent's circumstances.
| Parent's Situation | What to Check |
|---|---|
| Can use a mobile phone | Silson 24 proxy claim procedure |
| Has difficulty operating a smartphone | Child assists with preparation; parent makes the final submission |
| Does not have a mobile phone | Ask the insurance company about alternative claim methods |
| Has difficulty verifying identity | Contact the Silson 24 customer service center about authentication methods |
If a parent does not have a mobile phone, a practical alternative is to contact their insurance company directly and ask about traditional document submission methods or other available claim channels.
Children must not use their parents' authentication credentials without authorization or bypass identity verification procedures.
4. How Do Claims for Minor Children Differ from Proxy Claims for Parents?
Both services help family members file indemnity medical insurance claims, but they differ in who has the authority to file and how the final submission is completed.
According to the official Silson 24 system overview, a person with parental authority may file a claim on behalf of a minor child under 19 years of age.
By contrast, the claim feature for adult parents or 3 parties distinguishes between assistance with preparing the claim form and the insured person's final submission.
| Category | Minor Child | Adult Parent |
|---|---|---|
| Silson 24 menu | Claims for My Children | Claims for My Parents/3 Parties |
| Person assisting with the claim | Person with parental authority | Child or another 3 party |
| Final claim submission | May be completed by the person with parental authority | Must be transmitted by the parent |
| Key requirements | Under 19 years of age and a legally recognized parental relationship | Identity verification and authorization procedures |
For example, a parent claiming hospital expenses for a 10-year-old child does not follow the same procedure as an adult child claiming hospital expenses for a 75-year-old parent.
It is important to remember that being family members does not automatically grant everyone the same authority to file insurance claims.
5. Can You Claim Both Your Parents' Hospital Expenses and Prescription Medication Costs?
Silson 24 supports electronic claims for prescription medication costs incurred at pharmacies as well as medical treatment expenses at hospitals.
However, whether electronic claims are actually available depends on whether the hospital and pharmacy used are connected to Silson 24.
Although electronic claim coverage was expanded to include clinics and pharmacies starting 2025-10-25, electronic claims are not immediately available at every medical institution.
According to an announcement by South Korea's Financial Services Commission as of 2026-09-28, 5만340 medical institutions were connected to Silson 24, representing a connection rate of approximately 47.7% among all eligible medical institutions.
Therefore, the hospital and pharmacy visited by the parent must be checked separately.
At medical institutions connected to Silson 24, users can electronically transmit selected medical treatment and prescription records to their insurance company.
Conversely, if a medical institution does not support electronic claims, the necessary receipts and treatment-related documents should be obtained, and the claim should be submitted through the insurance company's existing procedures.
Furthermore, the ability to submit a claim through Silson 24 does not guarantee reimbursement for every medical expense or prescription medication cost. Whether a claim is paid, and the amount paid, depend on the terms of the insurance policy and the insurer's review.
6. What If You Prepared the Claim Form but Have Not Received the Insurance Payment?
If the insurance payout has not arrived, the first step is to check whether the claim form was finally transmitted.
If the process in Silson 24 stopped after the claim form was prepared, or if the parent did not complete the final transmission, the insurance company may not have started reviewing the claim.
It is easier to identify the issue by distinguishing the following three stages.
① Claim Form Preparation Stage
Check whether the parent completed the final transmission. Finishing the form is not the same as successfully submitting the claim.
② Claim Received by the Insurance Company
The insurance company may have received the claim but still be reviewing it. Check the status of the claim directly with the insurance company after submission.
③ Request for Additional Documents
If the insurance company requests additional documents, those documents must be submitted before the review can continue.
Silson 24 customer support also provides information about claim receipt, review, and payment status.
To determine accurately whether a claim will be paid or why payment has been delayed, it is advisable to check the information provided by the insurance company as well.
7. Where Can You Ask Questions About Filing a Silson 24 Claim for Your Parents?
If identity verification or authorization procedures are difficult while using Silson 24, you can contact the official customer service center.
Silson 24 Customer Service Center
1811-3000
Weekdays: 9 a.m. to 6 p.m.
Saturdays: 9 a.m. to 1 p.m.
Closed on Sundays and public holidays
AI chatbot assistance is available 24 hours a day.
However, calling the customer service center alone does not complete an indemnity medical insurance claim. According to the official guidance, Silson 24 claims must be submitted through the app or website.
For questions about insurance claim assessments or the actual amount payable, contacting the insurance company that issued the policy is the most reliable approach.
8. Three Things to Remember Before Filing an Insurance Claim for Your Parents
Before helping your parents file an indemnity medical insurance claim, check the following points.
If your parents have difficulty filing a claim themselves, you can use the 'Claims for My Parents/3 Parties' feature in Silson 24.
Even if a child prepares the claim form, the parent must personally complete the final submission.
If a parent does not have a mobile phone or has difficulty verifying their identity, check alternative claim methods with the insurance company.
The Key Distinction Is That 'Preparing a Claim on Someone's Behalf' Is Not the Same as 'Making the Final Claim Submission on Their Behalf.'
If you plan to claim reimbursement for your parents' hospital expenses, it is advisable to check their insurance policy and medical treatment records, then confirm whether identity verification and final submission can be completed.
Information current as of 2026-10-12. Actual claim eligibility and insurance payment conditions should be verified against the Silson 24 service guidance and the terms of the insurance policy.