Insurance refusal of Korean medicine is legally improper: ① Korean medicine treatment is mandatory coverage by law (Automobile Damage Compensation Act), ② cannot refuse based on Korean vs Western medicine choice, ③ if denied: file complaint with Financial Supervisory Service, ④ clinic provides documentation supporting treatment necessity, ⑤ legal consultation may be helpful for systematic refusals. Most refusals are improper and resolved with proper documentation. Don't accept refusal — your rights are protected by law.