Compare 3-, 6-, and 12-month Korean household costs for clinician-approved inpatient, outpatient, and home-based rehabilitation using actual quotes, care time, transport, work loss, and confirmed support.
Select only clinician-approved options and enter actual quotes. All calculations stay on this device.
Decide rehabilitation phase, setting, intensity, and home safety with the clinical team first. This table only aligns household budgets for options already considered feasible.
All 3-, 6-, and 12-month totals are calculated; this selection controls the detailed table.
Enter inpatient bills, paid care, and family visiting burden.
Use final patient amounts from itemized statements and actual quotes.
Separate first-month setup from recurring work-time loss.
Enter amounts only after the payer confirms both value and scope.
Enter visit costs, transport, and patient or family work loss.
Use final patient amounts from itemized statements and actual quotes.
Separate first-month setup from recurring work-time loss.
Enter amounts only after the payer confirms both value and scope.
Enter services, adaptations, and care in a clinician-approved home plan.
Use final patient amounts from itemized statements and actual quotes.
Separate first-month setup from recurring work-time loss.
Enter amounts only after the payer confirms both value and scope.
This is an input-based cost total, not a clinical recommendation.
Check an option only after the clinical team says it is feasible.
Comparing only a rehabilitation hospital bill can hide the costs that actually change a family budget.
Inpatient care may add paid caregiving and family travel, outpatient care may repeat transport and work absence, and a home plan may concentrate adaptations and assistive equipment in the first month.
This Korea-specific planner puts those costs on equal 3-, 6-, and 12-month horizons and keeps cash spending, income loss, and family care hours visible.
A lower cost must never be used by itself to end an admission, reduce rehabilitation intensity, or replace a needed service.
Recovery phase, medical stability, ability to travel, home safety, and available care should be reviewed with the rehabilitation team first.
Check only the options that the team has already described as feasible for this patient.
The stroke rehabilitation calculator models acute, recovery, and maintenance phases, covered treatment, Korean special-case boundaries, the copay ceiling, private indemnity, and tax-credit context.
It is organized around a stroke rehabilitation journey and medical cost structure.
This planner does not ask for a diagnosis or estimate a national fee.
It uses actual patient quotes and compares medical cost with care, travel, adaptation, equipment, patient and family work loss, and weekly family care time.
A fair comparison requires the same cost boundary for every option.
If one option includes non-covered care and caregiving while another contains only the medical bill, the apparent difference is not reliable.
| Source | What to confirm | Planner field |
|---|---|---|
| Provider itemized quote | Final patient payment after covered share, full patient payment, and non-covered lines | Monthly patient medical cost |
| Caregiver or home-service quote | Daily or per-visit charge, actual days or visits, and add-ons | Monthly paid care cost |
| Transport schedule | Patient visits, family visits, parking, tolls, taxis, and public transport | Monthly round trips and cost per trip |
| Home and equipment quotes | Rails, ramp, bathroom work, wheelchair, walker, and other approved equipment | Home modification and assistive equipment |
| Patient and family work schedules | Hours that actually reduce earnings and the agreed hourly loss value | Work-loss hours and hourly income loss |
| NHIS, insurer, or support letter | The covered cost bucket, confirmed amount, and expected payment timing | Confirmed monthly or one-time support |
Recurring monthly cash equals medical cost + paid care + supplies and other cost + transport.
Home modification and assistive equipment are added as first-month one-time cash.
Confirmed monthly and one-time support are each capped at the matching cost bucket, preventing a negative result.
Monthly income loss equals weekly work-loss hours × hourly loss × 52 ÷ 12.
Family care hours remain a separate non-cash output, so unpaid time is not hidden merely because it has no wage value.
Total household burden equals net cash outflow plus patient and family income loss.
N-month household burden = recurring monthly cash × N + one-time cash − applied support + monthly income loss × N.
First-month gross cash need = recurring monthly cash + home modification + assistive equipment.
The same equations generate all three fixed horizons, reducing the mistake of comparing a three-month quote with a twelve-month estimate.
The following inputs are fictional fixtures used to verify the formula, not Korean market prices or recommended budgets.
The inpatient option uses KRW 900,000 monthly medical cost and KRW 1,800,000 paid care; the outpatient option uses KRW 600,000 monthly medical cost and twelve round trips; the home option uses KRW 3,000,000 adaptation, KRW 1,500,000 equipment, and 25 family-care hours per week.
The load-example button above uses the same fixture.
| Fictional option | 3-month burden | 12-month burden | First-month gross cash | Family care |
|---|---|---|---|---|
| Inpatient rehabilitation | KRW 9,459,999 | KRW 37,839,996 | KRW 2,920,000 | 7 hours/week |
| Outpatient rehabilitation | KRW 6,385,000 | KRW 24,340,000 | KRW 1,800,000 | 10 hours/week |
| Home-based rehabilitation | KRW 11,480,002 | KRW 33,920,008 | KRW 6,030,000 | 25 hours/week |
The fictional home option has a lower twelve-month burden than inpatient care but needs KRW 6,030,000 of gross cash in the first month because adaptation and equipment are front-loaded.
Inpatient and home cumulative burden cross at about 6.1 months under these flat-cost assumptions, but that mathematical point is not a discharge date.
The outpatient option is lowest in this fixture, yet it cannot be selected when travel or treatment intensity is clinically unsuitable.
Include patient appointments, family hospital visits, parking, tolls, taxis, and public transport. Start with a realistic monthly round-trip count and multiply it by one complete round trip.
Rails, ramps, bathroom work, and assistive equipment can look small after they are averaged over a year even though payment is concentrated early. Always review the first-month gross-cash result.
Record work time lost to travel, waiting, preparation, and direct care. Convert only hours that reduce earnings into income loss and keep the remaining burden in family care hours.
A confirmed insurance payment may arrive after the hospital bill is paid. The planner therefore shows gross first-month cash separately; write the expected payer date next to the printed table.
Article 41 of the Korean National Health Insurance Act includes prevention, rehabilitation, and inpatient care among benefit categories, but actual benefit recognition and patient payment still depend on detailed rules and the claim.
Article 44 and Article 19 of the Enforcement Decree provide the basis for patient cost sharing and the annual copay ceiling, while non-covered and full patient-payment items can remain outside the ceiling.
The planner therefore accepts the final patient quote and confirmed support rather than inserting one national copay or ceiling refund.
Use the itemized statement to identify covered patient payment, full patient payment, and non-covered charges.
Do not apply another rate to a final patient quote.
Medical Service Act Article 45 and Enforcement Rule Article 42-2 require providers to disclose non-covered items and prices.
Ask what a package contains and how many sessions it covers.
Article 18 of the Act on Guarantee of Right to Health and Access to Medical Services for Persons with Disabilities establishes designated rehabilitation medical institutions.
Verify designation instead of relying on a similar provider name.
A provider quote, a final patient invoice, and a later insurer or public-program payment are different records.
Keep the calculator tied to the record that matches the decision date, then replace estimates as written evidence arrives.
This prevents a hoped-for refund from being subtracted before eligibility, scope, amount, and timing are confirmed.
Enter the provider’s patient-pay estimate, not a gross covered charge multiplied by a guessed copay. Ask whether meals, private rooms, caregiving, supplies, travel-related preparation, rehabilitation intensity, and discharge equipment appear on separate documents.
Reconcile each month against receipts and the actual visit or care schedule. If a rehabilitation phase, family rota, paid-care arrangement, or transport pattern changes, save a new comparison instead of blending unlike months into the old estimate.
Subtract only a written, scope-matched payment from the same recurring or upfront bucket. Record delayed reimbursement separately when the family must fund the gap first, and retain denial or exclusion reasons for the next consultation.
No. The planner compares household burden only after the clinical team says that an option is feasible for the patient now. Rehabilitation intensity, admission need, discharge timing, and home safety must be decided clinically before cost is compared.
Enter the final patient amount quoted by the provider. Do not multiply the gross covered fee by another copay rate or subtract the National Health Insurance share again from an amount that already reflects coverage.
Do not assume that they are. A designated rehabilitation medical institution is a hospital-level provider that meets statutory staffing, facility, and equipment criteria and is designated by the Minister of Health and Welfare. Verify official designation and the actual care plan.
No. Home-based rehabilitation is a budgeting label on this page for a clinician-approved combination of home services, equipment, adaptation, and family care. Eligibility, benefit type, monthly limit, and reduced copay require separate confirmation.
Wait until the National Health Insurance Service confirms eligibility and amount. Non-covered charges, full patient payment, and several other items can be excluded, and the ceiling calculation can combine covered payments from other care in the same year.
The payee, evidence, benefit treatment, and private-policy scope can differ. Keeping care separate makes omitted costs, double counting, and questions for the provider or payer easier to identify.
Care hours include unpaid time, household disruption, and reduced rest. Work-loss hours include only time that actually reduces earnings. Do not automatically copy the same number into both fields.
It is the mathematical point at which an option with larger one-time cost and an option with larger recurring cost have equal cumulative household burden. It assumes flat monthly cost and is not a treatment-switch or discharge date.
No. It can organize family questions, but it is not an official quote, claim, benefit decision, or application. Keep the original itemized statements, provider quotes, payer confirmations, and documents required by each support program.
The current statutes and articles were checked through the Korean National Law Information OPEN API on August 15, 2026.
The references are National Health Insurance Act MST 276651, its Enforcement Decree MST 283469, Medical Service Act MST 285327, its Enforcement Rule MST 286963, the disability-health-access act MST 270413, and its Enforcement Rule MST 287021.
Statutes, notices, provider designation, prices, policy terms, and support programs can change, so verify them again immediately before admission, discharge, contracting, payment, or claim submission.
Gather the itemized medical quote, care and transport schedule, adaptation and equipment quotes, and scope-matched support confirmations, then complete the fields above.
Looking at first-month cash and weekly family care alongside 3-, 6-, and 12-month totals creates practical questions without turning cost into clinical advice.