Lotte My Health Plus

Lotte My Health Plus is a health insurance plan from Lotte Insurance, available to residents of South Korea. Sum insured ranges from varies, eligible ages 0 to 65, and the policy is lifelong. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at ₩50K, against a category median of ₩50K across the 7 comparable health plans we track in this country. That places Lotte My Health Plus in the middle of the pack on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 6 core inclusions, 4 highlighted features, and 2 optional riders. Notable features called out by Lotte Insurance include Lotte Group backing, Digital app claims, and Competitive premiums. On the rider side, Lotte My Health Plus can be extended with Critical illness upgrade and Disability income — each adding to the base premium but also widening what the policy will pay out for.

Where Lotte My Health Plus explicitly will not pay: Pre-existing (underwriting) and Self-inflicted injuries. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.