Insurance for freelancers
Missing employer benefits, income protection, workers’ compensation, and professional risk.
Freelancers have NHI, National Pension, and high-cost medical cover but no employer sickness allowance, paid leave, unemployment insurance, or ordinary workers’ compensation — so a larger emergency fund, income protection, special workers’ compensation, and professional/cyber cover become important.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask an approved body about special workers’ compensation eligibility for your specific work.
Review due: 2026-10-30
Key points
- No sickness allowance means a bigger short-term income gap.
- Special workers’ compensation enrollment may be available since 2024.
- Professional liability and cyber cover fit client and data risk.
- A larger emergency fund is often the highest-value step.
Fill the employer-benefit gaps
Map the benefits an employee would have and replace the important ones: an emergency fund for the sickness-income gap, income protection, special workers’ compensation where eligible, and professional, cyber, equipment, and business-interruption cover as the work requires.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.