Let's dive into how to claim your unclaimed insurance money! It's common for us to forget about insurance policies we signed up for long ago, or to miss out on maturity refunds because we moved and didn't update our contact information. This money, waiting for its rightful owner in insurance company ledgers or state accounts, is precisely what we call unclaimed insurance money. Even if it's a small amount, it's our legitimate asset, so we should definitely find it! The government and the insurance industry have collaborated to create a secure system that allows you to find your hidden insurance money in just one minute. So, as of 2026, let's explore the methods for claiming unclaimed insurance money easily via PC and mobile.

Why Does Insurance Money Become 'Unclaimed'?

Unclaimed insurance money refers to refunds or payouts from insurance contracts that have been terminated or have matured, and have not been claimed for over the legal statute of limitations of three years. This often happens when people move and don't receive notifications from the insurance company, or when parents set up policies that mature later. This money is safely transferred to the unclaimed assets management account of the Korea Financial Services Commission (KFSC) after a certain period. As long as the owner applies, they can receive 100% of the principal plus interest at any time.

How to Claim Unclaimed Insurance Money - Easily via PC

• Access the Official 'Nae Boheom Chadajum' Website: In your search engine, type '내보험다찾아' or '숨은 보험금 찾기' (Find Hidden Insurance Money) and navigate to the official website operated by the Korea Life Insurance Association and the General Insurance Association of Korea.
• Verify Your Identity: Click the [Find My Insurance] button on the main screen, then enter your name, resident registration number, and mobile phone number. Complete the identity verification using your joint certificate or simple authentication.
• Check Results and Apply Onestop: After authentication, wait about 10 seconds. Your insurance details from your mobile carrier and insurance companies, along with the unclaimed insurance money amount, will be displayed. If there's an amount, click the [Claim] button and enter your bank account number to complete the application.

How to Claim Unclaimed Insurance Money - Via Smartphone App

• Install the Official App: Download the 'Account Info' app from the Financial Telecommunications and Services Institute or the official 'Korea Financial Services Commission' application from your smartphone app store.
• Match Your Unclaimed Assets: After logging in, tap the [My Insurance Money at a Glance] or [Unclaimed Deposits/Insurance Money Inquiry] menu and proceed with the consent process.
• Real-time Account Deposit: The system will scan your information to find any hidden maturity refunds. Check the results and tap [Apply for Payment]. The money will typically be deposited into your primary bank account on the same day or within 2-3 business days.

Important Notes When Claiming Unclaimed Insurance Money

Even with a convenient system, there are a few things to keep in mind. While you can check anytime online, 24/7, the actual claim application is only available on weekdays from 9 AM to 8 PM. Remember that the application button will be disabled on weekends and public holidays. Also, amounts under 10 million KRW can be transferred immediately, but for amounts exceeding this, you'll need to visit a customer service center or a financial support center.

Beware of Scams When Claiming Unclaimed Insurance Money

Recently, scam text messages claiming "You are eligible for a hidden insurance refund" have been circulating. Be cautious, as these messages often contain suspicious links. Legitimate institutions will never send you links. Delete any suspicious messages immediately. For safe inquiries, always enter the official website address directly or use an authenticated app.

In conclusion, claiming unclaimed insurance money is a great way to identify and manage your household's valuable assets. How about spending this weekend with your family to find some forgotten money? Easily check it out through the Nae Boheom Chadajum website or the Account Info app!