Build a Korean keloid treatment budget from itemized consultation, injection, laser or cryotherapy, surgery, radiation, aftercare, travel, confirmed reimbursement, and reserve amounts.
Enter Korea-related chronic care, eldercare, therapy, procedure, fertility, diagnostic, or medical tourism assumptions. Results are simplified planning estimates.
Procedure gross quote
₩990,000
Insurance or support amount
₩0
Estimated self-pay with reserve
₩1,089,000
Monthly reserve target
₩90,750
12 month plan
This English planner builds a South Korea keloid treatment budget from amounts the user enters. The current National Health Insurance medical-care rule, MST 285513 effective April 15, 2026, routes non-covered subjects through Article 9 and Annex 2; Annex 2 item 2 first applies where care is not intended to improve an essential bodily function, and item 2(e) names appearance-improvement scar removal including scar-contracture plastic surgery without joint-movement limitation. Medical Service Act Articles 45 and 45-2, checked in MST 285327 effective April 7, 2026, govern non-covered fee disclosure and reporting. KDCA guidance updated July 21, 2026 describes silicone, pressure, injection, laser, cryotherapy, radiation, and surgery; it gives steroid injection intervals of roughly 4–6 weeks and emphasizes extended aftercare. The KRW 990,000 default is a hypothetical itemized example; with a 10 percent reserve it becomes KRW 1,089,000, or KRW 90,750 over 12 months. Sources were rechecked July 25, 2026. The page does not diagnose, prescribe, determine coverage, predict recurrence, or decide an insurance claim.
A keloid is a firm scar that grows beyond the boundary of the original injury. It may cause itching, tenderness, pain, repeated irritation, or restricted movement when it crosses a joint. A raised scar is not automatically a keloid, so diagnosis comes before cost planning. Hypertrophic scars and other skin lesions can look similar while following a different course.
Korean treatment plans may combine silicone gel or sheets, pressure therapy, injections into the lesion, laser treatment, cryotherapy, surgery, and radiation after surgery. The bill depends on the location and size of the lesion, the number of lesions treated in one visit, the technique and device, anesthesia and pathology, materials, follow-up, and the provider’s disclosed non-covered price. That variation makes a single nationwide average misleading.
This calculator therefore uses a quote-driven model. The Korean detailed calculator accepts each consultation, repeated treatment, procedure, aftercare, travel, and work-loss amount. The English quick planner accepts the itemized total as its primary amount, subtracts only confirmed reimbursement or support, adds a contingency reserve, and divides the funding target across the selected number of months.
Combine the provider’s itemized medical quote with supplies, follow-up, travel, and uncompensated time away from work.
Use an actual retreatment quote instead of applying a made-up personal recurrence probability.
The detailed Korean page reports monthly, per-lesion, and per-square-centimeter planning figures without repricing the treatment.
Article 9 of the current Rule on the Standards for National Health Insurance Medical Care Benefits directs non-covered subjects to Annex 2. The rule was checked in current law MST 285513, effective April 15, 2026. Annex 2 item 2 first limits the category to care that is not intended to improve an essential bodily function. Annex 2 item 2(e) then names cosmetic scar removal, including scar-contracture plastic surgery without limitation of joint movement, as an example.
This wording creates a purpose-sensitive boundary, not an automatic coverage switch. A record of pain, recurrent inflammation, bleeding, or restricted movement may matter to the clinical purpose, but it does not make every injection, laser, material, or procedure a covered benefit. The provider must still check the diagnosis, the billed service, the applicable benefit criteria, and whether each component is covered, selective-benefit, or non-covered.
Medical Service Act Article 45 requires medical institutions to disclose non-covered fees and bars charging more than the disclosed amount for the item. Article 45-2 provides the reporting and public-disclosure framework. These provisions were checked in current law MST 285327, effective April 7, 2026. HIRA’s non-covered medical-fee information can help compare providers, but a displayed item is not necessarily identical to your full treatment plan.
Ask whether consultation, anesthesia, pathology, medicine, dressings, pressure devices, silicone products, facility charges, value-added tax where applicable, and postoperative radiation are inside or outside the quoted price. HIRA also cautions that an amount may vary with the patient’s condition, treatment method, materials, and provider circumstances, so verify the final written estimate directly with the provider.
| Planning status | What to document or ask | Safe budget treatment |
|---|---|---|
| Symptom or function purpose | Pain, itching, bleeding, inflammation, movement restriction, diagnosis, and billed service | Use the quoted patient amount |
| Appearance-improvement purpose | Non-covered classification and complete self-pay package | Start with KRW 0 reimbursement |
| Coverage not confirmed | Covered and non-covered components, patient share, and claim prerequisites | Subtract confirmed amounts only |
The Korea Disease Control and Prevention Agency’s National Health Information Portal describes silicone, pressure, intralesional injection, laser, cryotherapy, radiation, and surgery among available approaches. Treatment choice and sequencing are clinical decisions. Use the schedule written by your clinician or provider instead of turning the examples below into a self-treatment plan.
The detailed calculator treats each repeated-treatment price as the cost for all lesions included in that session. Lesion count and total area are used only to divide the final funding target into comparison figures. If the provider quotes each lesion separately, add those lesion-specific amounts first and enter the resulting whole-session quote. This rule prevents a common double multiplication.
KDCA guidance updated July 21, 2026 describes steroid injection intervals of roughly 4–6 weeks. It notes that silicone use may require at least two months for a recent wound, about 3–6 months for an older scar, and around one year of maturation after a full-thickness skin injury. It also emphasizes long postoperative management, with observation that may extend for roughly two years. For an ear keloid, pressure use during the first six months for at least eight hours per day is presented as an example.
Those intervals help identify costs that might otherwise be omitted, but they must not auto-populate your treatment. The lesion, treatment response, adverse effects, and clinician’s plan determine the real number and timing of visits.
Repeated-treatment cost = injection price per session × injection sessions + laser or cryotherapy price per session × those sessions
Base gross cost = consultation and testing + repeated treatment + surgery and adjunct care + supplies + follow-up + travel and work loss + other cost
Base net cost = max of zero and base gross cost minus confirmed reimbursement or support
Base funding target = base net cost × one plus contingency rate divided by 100
One-retreatment funding target = net cost after adding one explicit retreatment quote × one plus contingency rate divided by 100
The English quick planner uses the same core funding relationship. Put the complete itemized base-plan quote in the primary field, a confirmed reimbursement or support amount in the secondary field, the reserve percentage in the rate field, and the number of funding months in the period field. To model one retreatment, run a second scenario after adding the provider’s explicit retreatment quote to the primary amount.
A contingency reserve is a savings allowance, not a provider charge. Per-lesion and per-area figures are budget comparisons, not claims about how the provider prices care. Reimbursement is capped at the gross amount in the detailed logic so it cannot create a negative medical cost.
Assume a 12-month plan for two lesions with a combined area of four square centimeters. Every number below is fictional and demonstrates arithmetic only. It is not a Korean national average, a provider quotation, or a recommendation for treatment frequency.
| Item | Hypothetical assumption | Amount |
|---|---|---|
| Consultation and testing | Quoted patient amount | KRW 100,000 |
| Intralesional injection | KRW 50,000 × 4 sessions | KRW 200,000 |
| Laser or cryotherapy | KRW 120,000 × 3 sessions | KRW 360,000 |
| Silicone products | KRW 30,000 × 6 months | KRW 180,000 |
| Follow-up | KRW 20,000 × 4 visits | KRW 80,000 |
| Travel | KRW 10,000 × 7 visits | KRW 70,000 |
| Base gross cost | No confirmed reimbursement | KRW 990,000 |
A 10 percent reserve makes the base funding target KRW 1,089,000, or KRW 90,750 per month over 12 months. The detailed planner shows KRW 544,500 per lesion and KRW 272,250 per square centimeter as comparison figures. If a provider separately quotes KRW 500,000 for one retreatment course, the scenario gross cost becomes KRW 1,490,000 and the reserve-adjusted funding target becomes KRW 1,639,000.
Identify the lesion locations, count, measured area, and which of those the price covers.
Check consultation, tests, anesthesia, pathology, medicine, dressings, materials, facility fees, and applicable tax.
Record the planned sessions, intervals, review points, and refund policy if the plan changes.
Ask whether injection, radiation, silicone, pressure, and long follow-up are billed separately.
Request an itemized distinction between covered patient payment and non-covered self-pay.
Ask what additional care would cost and whether the provider offers any written follow-up terms.
Run each written quote with the same funding period and reserve rate. Compare the treatment scope, visit count, postoperative management, and retreatment terms alongside the total. A lower procedure line may not be lower overall when anesthesia, supplies, or follow-up are excluded.
A surgery-only price can omit immediate radiation or months of pressure and silicone care. Add each separately billed item once, but do not duplicate anything already inside a package quote.
Keloids can regrow, but a personal recurrence estimate depends on the lesion, past treatment, technique, adjunct care, and individual response. An explicit one-retreatment quote is easier to audit than a generic recurrence percentage and does not pretend to predict your outcome.
Some injected medicines may be used outside their approved indication, and every medicine has its own risks and contraindications. A rapidly enlarging or repeatedly bleeding lesion, suspected infection, severe pain, or impaired function requires medical assessment rather than an online cost estimate. This page does not diagnose a keloid, prescribe treatment, determine Korean insurance coverage, predict recurrence, or decide a private insurance claim.
No. The detailed calculator assumes that a repeated-session price covers all lesions included in that quote. Lesion count and total area divide the final funding target for comparison only. If the provider prices each lesion separately, add the lesion quotes before entering the session total.
Current Annex 2 expressly gives appearance-improvement scar removal without joint-movement limitation as a non-covered example. A symptom or functional purpose may change the analysis, but each diagnosis, service, drug, material, and criterion still needs provider and insurer confirmation.
Leave it at zero until the payable amount is sufficiently confirmed. A coverage inquiry or benefit illustration is not the same as an approved claim, and subtracting an uncertain amount can understate the cash you need.
A generic rate cannot reliably predict one person’s lesion. The planner instead lets you add a provider’s written quote for one additional treatment course, producing a transparent scenario that can be checked later.
Use the real expected number of travel days. Adding injection sessions and laser sessions can double-count visits when both occur at the same appointment, so confirm the actual calendar with the provider.
Disease and treatment context was checked against the KDCA National Health Information Portal page updated July 21, 2026. The coverage boundary was checked against Article 9 and Annex 2 of MST 285513, effective April 15, 2026. Non-covered fee disclosure was checked against Medical Service Act Articles 45 and 45-2 in MST 285327, effective April 7, 2026. HIRA’s non-covered fee information was reviewed for its current comparison cautions. The source and calculator logic review date is July 25, 2026.
Gather the provider’s itemized quote and proposed visit schedule before entering costs. Bring the result to the consultation so you can ask precise questions about included services, benefit status, aftercare, and retreatment terms.