Brain and Ischemic Heart Diagnosis Benefit Scope Calculator

Compare Korean diagnosis benefit riders using the actual KCD schedule, exclusions, sums insured, coverage dates and reduced-payment percentages in KRW.

Compare your diagnosis code with your own policy schedules

Korea 2026 / KRW. KCD-9 took effect on 2026-01-01. Preset scopes are editable examples. Check diagnosis requirements, exclusions, reductions, first-payment and shared limits in your contract. Results do not establish claim approval or a medical diagnosis.

A blank sum insured is unknown; zero means not held. Inputs stay in this page and are not sent to a server or persisted.

1. Diagnosis document

One KCD diagnosis code

Diagnosis confirmation date

Worksheet review date

i639 is normalized to I63.9. Only syntax is checked, not code existence or diagnostic validity. For a diagnosis before 2026, check the classification then in force and the policy revision clause.

2. Riders and actual policy wording

Open each rider to enter its terms. Add a separate row for each contract, including multiple riders of the same type. Enter any excluded subcodes too.

1. Cerebral hemorrhage benefit

Rider type (changing loads example scope)

Sum insured (KRW) · zero=not held, maximum 10 billion

Code scope, dates, reduction and evidence

Rider label (optional, no personal details)

Percentage payable during reduced period (%)

Included policy codes

Excluded policy codes (optional)

Coverage start (inclusive)

Full-benefit start (same as start if no reduction)

Last covered date (blank: assume no end cutoff)

Document check date (required for checked evidence)

Diagnosis, active policy, first / remaining-payment conditions

Evidence for entered scope, amount, dates and conditions

Policy version / page evidence note (optional)

Scope examples: I60-I69 / I60-I63,I65-I66 / I21.0. Subcode ranges such as I21.0-I21.4 are unsupported; list each code. Reflect clinical, test, dual-coding and other exceptions in the additional-condition setting.

Unknown

2. Stroke diagnosis benefit

Rider type (changing loads example scope)

Sum insured (KRW) · zero=not held, maximum 10 billion

Code scope, dates, reduction and evidence

Rider label (optional, no personal details)

Percentage payable during reduced period (%)

Included policy codes

Excluded policy codes (optional)

Coverage start (inclusive)

Full-benefit start (same as start if no reduction)

Last covered date (blank: assume no end cutoff)

Document check date (required for checked evidence)

Diagnosis, active policy, first / remaining-payment conditions

Evidence for entered scope, amount, dates and conditions

Policy version / page evidence note (optional)

Unknown

3. Cerebrovascular diagnosis benefit

Rider type (changing loads example scope)

Sum insured (KRW) · zero=not held, maximum 10 billion

Code scope, dates, reduction and evidence

Rider label (optional, no personal details)

Percentage payable during reduced period (%)

Included policy codes

Excluded policy codes (optional)

Coverage start (inclusive)

Full-benefit start (same as start if no reduction)

Last covered date (blank: assume no end cutoff)

Document check date (required for checked evidence)

Diagnosis, active policy, first / remaining-payment conditions

Evidence for entered scope, amount, dates and conditions

Policy version / page evidence note (optional)

Unknown

4. Acute myocardial infarction benefit

Rider type (changing loads example scope)

Sum insured (KRW) · zero=not held, maximum 10 billion

Code scope, dates, reduction and evidence

Rider label (optional, no personal details)

Percentage payable during reduced period (%)

Included policy codes

Excluded policy codes (optional)

Coverage start (inclusive)

Full-benefit start (same as start if no reduction)

Last covered date (blank: assume no end cutoff)

Document check date (required for checked evidence)

Diagnosis, active policy, first / remaining-payment conditions

Evidence for entered scope, amount, dates and conditions

Policy version / page evidence note (optional)

Unknown

5. Ischemic heart diagnosis benefit

Rider type (changing loads example scope)

Sum insured (KRW) · zero=not held, maximum 10 billion

Code scope, dates, reduction and evidence

Rider label (optional, no personal details)

Percentage payable during reduced period (%)

Included policy codes

Excluded policy codes (optional)

Coverage start (inclusive)

Full-benefit start (same as start if no reduction)

Last covered date (blank: assume no end cutoff)

Document check date (required for checked evidence)

Diagnosis, active policy, first / remaining-payment conditions

Evidence for entered scope, amount, dates and conditions

Policy version / page evidence note (optional)

Unknown

I checked that held riders pay independently for this diagnosis, with no shared cap, overlapping-payment restriction or prior-payment deduction.

Before confirmation, use only the arithmetic reference total. Checked-document rows require a check date no later than the worksheet review date.

Official sources checked 2026-10-19. Actual policy wording controls date boundaries and KRW rounding.

Related calculators

Compare the code schedule behind a Korean brain or heart benefit

After a parent is diagnosed with cerebral infarction, a brain-related rider on an insurance certificate can look reassuring.
However, cerebral hemorrhage, stroke and cerebrovascular diagnosis benefits can use different disease-code schedules.
Likewise, acute myocardial infarction and ischemic heart benefits need separate checks when the diagnosis is angina.

This worksheet compares one diagnosis code with the sum insured, coverage dates and reduced-payment percentage of each contract.
It separates calculated reference amounts from rows that still need evidence.
It does not validate a medical diagnosis, decide a claim or help infer a disease from symptoms.

Korea-based planning note

Korea 2026 / KRW; official sources checked 2026-10-19.
KCD-9 took effect on 2026-01-01.
Use the classification applicable at diagnosis and the revision clause in the actual Korean policy.
Preset ranges and the synthetic example do not establish payment rights under any particular contract.

Useful decision moments

Organizing a parent’s contracts after a diagnosis
Checking whether protection extends beyond cerebral hemorrhage to infarction
Preparing documents for angina, myocardial infarction or an arrhythmia
Comparing a possible scope gap with actual supplementary coverage terms

Editable starting ranges for diagnosis benefits

These are examples for reading classification schedules, not a universal payment standard across insurers or issue dates.
A numbered or tiered rider can divide a disease group even when its name resembles a broader benefit.
Copy the exact schedule for the rider you hold, including exclusions and footnotes.

Editable brain and heart benefit code examples and checks
Example benefit	Starting scope	Further check
Cerebral hemorrhage	I60-I62	Distinguish I63 infarction and traumatic bleeding
Stroke	I60-I63,I65-I66	Does not automatically include I64
Cerebrovascular disease	I60-I69	Diagnosis requirements, exclusions and split benefits
Acute myocardial infarction	I21-I23	Tests, confirmation requirements and subcodes
Ischemic heart disease	I20-I25	Angina and contract-specific exclusions
Policy-specific heart benefit	Enter the actual schedule	Do not infer inclusion of I46, I48, I49 or I50

The verified Samsung Fire 2026 stroke schedule lists I60 through I63 and I65 through I66.
A clinical description of stroke and inclusion in a particular insurance schedule are separate questions.
For arrhythmia or heart failure outside the example ischemic range, inspect any separate broader rider rather than expanding the ischemic scope by its name alone.

Parent codes, subcodes and exclusions

Use the disease-classification code recorded alongside the diagnosis, not a symptom or test name.
Lowercase letters are normalized and a dotless i639 becomes I63.9.
This is a syntax check; it is not a lookup proving that a particular subcode exists in the applicable codebook.
Do not change the code based on a similar-sounding diagnosis.

Included scope and overriding exceptions

I60-I69 expands an inclusive range of three-character parent codes with the same letter.
A token such as I63 also matches its descendants.
An excluded I21.4 overrides inclusion for that code and its descendants.
Use commas, spaces or semicolons to separate tokens.

When more detail is necessary

With I21-I23 included and I21.4 excluded, an input of I21 alone leaves the answer unresolved.
Likewise, I21 alone cannot establish a match when only I21.0 is included.
Subcode ranges such as I21.0-I21.4 are unsupported; enter the individual subcodes instead.

Traumatic intracranial bleeding, transient ischemic attacks, vascular dementia and old findings on imaging can raise clinical or classification questions beyond a code-prefix comparison.
A code outside these example ranges does not establish that every injury or surgery rider is unavailable.
Dual-coding footnotes and non-code clinical exceptions require separate review and should be reflected in the additional-condition setting.

What the amounts, dates and evidence settings mean

Sum insured and rider label

Enter amounts in KRW.
Blank means unknown, while zero explicitly means the rider is not held.
Use a separate row for each contract, even when several riders have the same type.
A short label can distinguish contracts without entering personal identifiers.
The worksheet supports up to 12 riders and a maximum of KRW 10 billion per rider.

Coverage start and full-benefit start

Coverage start is the actual first covered date after any applicable waiting period.
Full-benefit start is the first date the full sum insured applies after a reduction ends.
If there is no reduction, enter the same date for both.
Do not substitute the issue date plus an assumed universal waiting period.

Last covered date and payable percentage

Enter the final covered date inclusively.
Leaving it blank assumes no end cutoff is applied; it does not verify that the policy remains in force indefinitely.
A reduced-period rate of 50% means that half the sum insured is payable in the model.
For a multistage reduction, enter the percentage applicable on this diagnosis date and record the basis.

Evidence and additional conditions

Evidence can be unknown, assumed or checked by the user.
Checked evidence requires a date no later than the worksheet review date.
Diagnosis confirmation, active policy status, first-payment availability, remaining limits and clinical exceptions belong in the additional conditions.
Selecting checked evidence is your statement about documents, not a verification performed by this website.

Calculation process and reduced-payment formula

Compare the diagnosis with the included scope, applying explicit exclusions first.
Check whether diagnosis precedes coverage start or follows the last covered date.
Withhold a row when necessary code detail, conditions, amount, dates or applicable reduced rate are unknown.
Before full-benefit start, apply the reduced payable percentage; from that date, apply the full sum insured.

Reduced reference amount = sum insured × payable percentage ÷ 100

KRW 30,000,000 at a payable percentage of 50% produces KRW 15,000,000.
From full-benefit start, that reference amount becomes KRW 30,000,000.
The model floors fractions of a won, an explicit calculation assumption that does not override a contractual rounding rule.

Coverage start and the last covered date are inclusive.
Full benefits begin on the entered full-benefit date.
Check any contractual time of day or special counting convention separately.
A total that ignores a previously paid first-diagnosis benefit or a shared remaining limit can exceed what can actually be claimed.

From diagnosis documents to a reviewable worksheet

Obtain the diagnosis: check the complete KCD code and confirmation date rather than inferring a code from symptoms.
List held riders: enter the sum insured in KRW and distinguish missing information from an explicitly absent rider.
Copy the schedules: inspect inclusion, exclusions, dual-coding footnotes and diagnosis-confirmation requirements.
Check timing and conditions: verify waiting and reduction boundaries, final coverage date, policy status and prior payments.
Review pending rows: look at evidence, payable percentages and overlapping-payment terms alongside code inclusion.
Save the review: export TXT or print the entered values, assumptions and unresolved questions for document preparation.

After changing inputs, recalculate to update results and exports.
Loading the synthetic example never changes its evidence status to checked.
No document upload, national identifier or policy number is needed.
Inputs are not persisted in browser storage or sent to a server and disappear on refresh.
Save the worksheet to your own device only when you need a retained copy.

Synthetic examples: I63.9 infarction and I20.9 angina

Assume an I63.9 diagnosis on 2026-10-19.
The stroke rider starts coverage on 2025-01-01 and full benefits on 2026-01-01.
The cerebrovascular rider starts on 2026-01-01, reaches full benefits on 2027-01-01 and pays 50% during the reduced period.
Additional conditions are entered as met, but all document evidence remains assumed.

Synthetic I63.9 rider amounts and conditional reference benefits
Rider	Sum insured	Entered outcome	Reference amount
Cerebral hemorrhage	KRW 10,000,000	Outside entered scope	KRW 0
Stroke	KRW 20,000,000	Full-benefit period	KRW 20,000,000
Cerebrovascular	KRW 30,000,000	Assumed 50% payable	KRW 15,000,000

KRW 35,000,000 arithmetic total; checked-condition total withheld

The example myocardial-infarction and ischemic-heart riders are outside scope for this diagnosis and have zero reference amounts.
The calculated rows sum to KRW 35,000,000, but evidence is assumed and independent payments are unchecked.
Therefore the checked-condition total is withheld.
All example values are synthetic, not a product quote or a documented claim outcome.

Changing only the code to I20.9 makes the example KRW 20,000,000 ischemic rider a candidate, while the acute myocardial infarction rider remains outside scope.
I21.9 can match both heart schedules, subject to their independent-payment rules.
I48.9 is outside all five presets; a separate policy-specific row with an actual I48-I49 schedule and the relevant contract conditions is needed to compare it.

Read zeros, withheld rows and the two totals carefully

Zero is different from unknown

A zero can result from an explicitly absent rider, an entered exclusion, an outside-scope code, timing outside coverage or an unmet condition.
Missing scope, insufficient subcode detail, unknown conditions or missing amounts instead leave a row pending.
Do not interpret pending as uninsured or silently remove unresolved rows from a total.

A subtotal is different from a checked-condition total

The calculated-row subtotal can contain assumed amounts.
The arithmetic reference total is complete only when no row remains pending.
The checked-condition total additionally requires checked evidence and dates, explicit conditions and confirmation of independent overlapping payments.
Even this figure remains before insurer assessment.

The representative-code table compares only entered code scope among held riders.
It does not apply dates, reductions or actual clinical requirements.
If the only potentially matching rider has an unknown amount, that code can remain unknown in the table as well.
Disease-specific patient counts may overlap and vary by age, observation period and treatment definition.
The worksheet therefore does not convert those counts into a patient-share coverage rate or personal probability of payment.

Practical scenarios and the next decision

A family with hemorrhage-only protection

I63 infarction is outside the example hemorrhage scope I60-I62.
First check for overlooked stroke or cerebrovascular riders in other contracts.
If a gap remains, compare supplementary terms alongside underwriting, disclosure and new waiting conditions.
Cancelling an existing contract before that comparison can create a separate loss of protection.

Sequelae, unspecified codes or old imaging findings

I64 or I69 on a document does not by itself establish a new diagnosis payment.
Ask in writing about the original diagnosis date, prior benefits, the relation to the current diagnosis and schedule exclusions or footnotes.
An imaging finding and the diagnosis confirmation required by a contract must be examined separately.

Several overlapping contracts

Check each fixed-benefit contract for its payment trigger.
Splitting sub-items of one integrated benefit into apparently independent rows can overstate the total.
Reflect a first-payment restriction or remaining benefit in the conditions and amount actually confirmed.
If a shared cap or prior-payment rule cannot be represented faithfully, withhold the checked-condition total and request a contract-specific review.

Frequently asked questions

Does a stroke label automatically include I64?

No.
The starting example I60-I63,I65-I66 does not include I64.
Check whether your own schedule explicitly includes it and edit the scope accordingly.

Does I48.9 qualify under the ischemic-heart preset?

It is outside I20-I25.
Inspect a separate heart rider and enter the actual schedule in a policy-specific row rather than assuming broader coverage.

Can I use the issue date when coverage start is unknown?

Do not assume the dates are identical.
Check commencement, reinstatement, renewal and reduction provisions.
Leave an unknown date blank so that a potentially payable row remains withheld.

What if there is no reduction or the payable rate is 0%?

With no reduction, set full-benefit start equal to coverage start.
An explicit 0% payable rate produces zero during the reduced period.
It is distinct from a blank, unknown rate.

Can overlapping stroke and cerebrovascular benefits always be added?

Check independent payment and shared limits first.
The arithmetic total is only a calculation, and the checked-condition total is still not final insurer approval.

Should KCD-9 be applied to a 2025 diagnosis?

Check the classification then in force and the contract revision clause.
KCD-9 began on 2026-01-01.
This worksheet does not automatically reassess an older diagnosis under a newer classification.

Are indemnity insurance and surgery payments included?

The model compares entered fixed diagnosis benefits.
It does not calculate medical-expense deductibles, proportional indemnity reimbursement or whether a qualifying operation occurred.
Check those benefits separately.

Can I restore the entered data later?

Inputs are not retained on the server or in browser storage.
A TXT worksheet preserves entered conditions, evidence, dates and pending reasons.
Store it on your own device if needed and review health information and notes before sharing it.

Official sources, 2026 context and limits

Sources were checked on 2026-10-19.
Statistics Korea Notice 2025-299 introduced KCD-9 effective 2026-01-01.
Classification and contractual payment conditions have different authority, so read both the original wording and its diagnosis-time classification clause.

Official ninth-revision KCD announcement: classification change and effective date
Samsung Fire wording dated 2026-01-01: stroke and myocardial-infarction schedules, PDF pages 871 and 872, printed pages 870 and 871
KDB Life 2026 cerebrovascular surgery rider, Appendix 2: classification and exclusions on PDF pages 35–36. A surgery schedule is a classification reference, not a diagnosis-payment trigger
Samsung Life official 2026 brain and heart product guide: cross-check of I20-I25 ischemic scope, product-specific reductions and first-payment conditions
AIA official product guide: that product’s exclusions for traumatic bleeding, vascular dementia and transient ischemic attacks
Commercial Act Article 638-3: MST273629, effective 2026-09-10, policy delivery and explanation of important terms
Act on the Regulation of Terms and Conditions, Article 5: MST260021, effective 2024-08-07, interpretation of terms
Statistics Act Article 22: MST285539, effective 2026-07-22, standard classifications

The statutes do not prescribe one code scope, waiting period or reduced percentage for every product.
These sample schedules do not replace your contract.
If a claim decision is disputed, request the applicable wording and medical reasoning in writing and seek a suitable professional review.

Start with the code, policy schedule and dates

Prepare the diagnosis document and rider schedules, then enter the contract-specific values above.
Review pending rows first to make your requests to the insurer precise.
After reviewing fixed diagnosis benefits, examine overall insurance gaps and treatment expenses as separate questions.

Return to calculator Review overall coverage gaps