Author: Director Lee Moon-young (Representative Director of Gangbuk Anjeong Korean Medicine Clinic) This content has been prepared in compliance with relevant laws including medical law.
Shortly after receiving a fracture diagnosis from a traffic accident, many people are at a loss about what to do first amid pain and confusion. While treatment is important, if you do not follow insurance procedures in a timely manner, treatment cost compensation can become complicated, making initial response particularly critical. In this article, we will guide you step-by-step through the actions you should take immediately after receiving a fracture diagnosis, the changes occurring inside your body, the Korean medicine treatment approach, and the scope of application that you must check before treatment.
Traffic accident fracture diagnosis: Three essential things to do right now
Immediately after receiving a fracture diagnosis, it is recommended to move in the following order: ① immediately notify the insurance company, ② secure a diagnosis certificate and accident confirmation certificate, ③ begin treatment records early. These three steps are critical.
The later treatment begins, the more complex the insurance company's process to confirm causal relationship to the accident can become. If materials to prove the connection between the accident and injury become insufficient, treatment cost compensation may be delayed. Therefore, it is important to visit a medical institution early after the accident and leave treatment records.
When filing an insurance claim, the diagnosis certificate must clearly state the diagnosis name and disease code. According to Bank Salad insurance guidance materials, auto insurance and driver's insurance must be filed separately. If you are covered by both insurances, the filing windows are different, so you need to handle this without confusion.
▪ Step 1 — Insurance notification: Contact your auto insurance company immediately after the accident to receive a registration number. This number becomes the basis for all subsequent insurance claims. ▪ Step 2 — Document acquisition: Submit the diagnosis certificate and accident confirmation certificate issued by the hospital to the insurance company. The diagnosis certificate must include the diagnosis name and disease code. ▪ Step 3 — Begin treatment records early: Visit a medical institution including a Korean medicine clinic as soon as possible to establish a treatment history. This record will serve as supporting material for later compensation negotiations.
The processing path may differ depending on symptom severity and fault ratio, so individual confirmation of the procedure suited to your situation is necessary.
What happens in your body after a fracture — Blood stasis, soft tissue damage, and sequelae mechanism
When a fracture diagnosis is made, it is easy to focus on bone damage, but simultaneous microscopic damage to muscles and ligaments and blood stasis do not appear on X-rays and can lead to chronicity if neglected.
According to Hi Doc Expert Column (August 2024), in Korean medicine, blood stasis is described as a condition where blood deviates from its normal circulation pathway and stagnates in the body as a result of external impact. If this condition persists, it can become a cause of pain and non-specific inflammation, and blood stasis management is considered necessary separately from fracture treatment. Additionally, related clinical materials point out that if simple pain is left unattended, it can become chronic or unexpected symptoms may appear.
Soft tissue (muscle and ligament) damage can present significant pain and functional impairment even when imaging shows no abnormalities. Particularly in cases of whiplash injury (neck and cervical area), symptoms have been reported to worsen several days after the accident.
Mini Q&A
Q. Do other symptoms naturally disappear when the bone heals? A. Not necessarily. Separate from bone healing, damage to soft tissues such as muscles and ligaments and blood stasis often require separate management. The scope and timing of treatment should be determined by the attending healthcare provider.
Gangbuk Anjeong Korean Medicine Clinic's traffic accident fracture Korean medicine approach — Systematic sequelae management by stage
Within the auto insurance treatment fee standards, acupuncture, chuna therapy, and herbal medicine prescription are included, allowing you to continue Korean medicine treatment without significant additional costs. For moderate to severe injuries such as fractures, treatment periods of six months or longer are recognized in many cases.
According to Hi Doc Expert Column (August 2024), chuna therapy is used for musculoskeletal pain management by correcting spinal and joint misalignment and relieving muscle tension, and improvement of sequelae symptoms along with postural correction approaches can be expected. Additionally, according to Chungcheongnam-do Korean Medicine Association guidance, when registered at a Korean medicine clinic through auto insurance, patients can receive Korean medicine treatment with no out-of-pocket costs.
Gangbuk Anjeong Korean Medicine Clinic (formerly Gwangdeok Anjeong Korean Medicine Clinic Gangbuk Suyu branch) systematically operates skilled chuna therapy, blood stasis acupuncture with abundant clinical experience, and individually tailored 3-week herbal medicine prescriptions within the scope of auto insurance. When one week has passed since the accident, coordination with MRI and X-ray imaging tests through affiliated hospitals is also possible, and after the 20 chuna sessions are exhausted, continuous spine and joint management can be continued through zero-gravity decompression equipment.
▪ Early stage (immediately after accident ~ 2 weeks): Use blood stasis acupuncture to relieve sudden muscle tension and stiff neck, support psychological stability with Cheongshim Won ▪ Recovery period (2 weeks ~ 6 weeks): Manage spine and joint alignment through chuna therapy, prescribe individually tailored 3-week herbal medicine to remove blood stasis and support recovery ▪ Maintenance period (after chuna session limit is exhausted): Continue spine and joint management using zero-gravity decompression equipment
The actual scope of application may differ depending on the insurance company, fault ratio, and diagnosis period, so individual confirmation after consultation is necessary.
Limitations and scope of application — Check first whether you can receive this treatment
After a fracture diagnosis, the recognized treatment period, possibility of concurrent Korean medicine treatment, and type of insurance coverage are applied differently according to individual terms and insurance company standards. Checking the following items before beginning treatment can reduce confusion.
According to Wellbeing Report (July 2026) materials, fracture diagnosis benefit coverage and fracture surgery benefit coverage have different payment conditions despite similar names. If surgery was not performed, filing for surgery benefit coverage itself may be difficult, so checking the insurance terms you have signed up for must be done first.
| Check item | Content | Notes |
|---|---|---|
| Auto insurance coverage status | Confirm whether you are the at-fault or injured party and type of coverage | Distinguish between own damage, third-party, and driver's insurance |
| Korean medicine treatment applicability | Acupuncture, chuna therapy, herbal medicine included within auto insurance treatment fee standards | Requires confirmation with insurance company |
| Fracture diagnosis benefit vs. surgery benefit coverage | Fractures without surgery can only be claimed under diagnosis benefit coverage in many cases | Check original policy terms |
| Recognized treatment period | Varies depending on injury severity and diagnosis period | Six months or longer possible for moderate to severe injuries |
| Chuna therapy session limit | Limited to 20 sessions per accident | Explore decompression equipment as alternative after limit exhausted |
▪ Those seeking traffic accident Korean medicine treatment at Suyu Station, Korean medicine clinic for traffic accident treatment in Gangbuk-gu, as well as those looking into Korean medicine clinics for traffic accidents in nearby Dobong, sequelae after traffic accidents in Nowon, and traffic accident treatment in Mia can also visit and receive consultation on the same basis.
Receive traffic accident fracture sequelae consultation at Gangbuk Anjeong Korean Medicine Clinic in Suyu Station
You can confirm the direction suited to your case through consultation at Gangbuk Anjeong Korean Medicine Clinic (near Exit 3 of Suyu Station). We provide treatment starting at 8 AM 365 days a year, and you can easily schedule your visit through Naver Reservation.
If blood stasis and pain management after a fracture is necessary, it is recommended to visit as soon as possible after the accident date and establish a treatment plan together with auto insurance registration. The later treatment begins, the more complex the process to confirm causal relationship can become, so even if symptoms feel mild, it is good to visit early and leave treatment records.
Detailed procedures may differ depending on your fault ratio, diagnosis period, and insurance coverage status, so after your visit, please confirm the exact direction through individual consultation. Located near Suyu Station Exit 3, you can conveniently use the Garden Tower (Dobongno 328) parking lot for free if you come by car.
Questions people frequently ask
Q1. I've been diagnosed with a fracture, but can I receive treatment at a Korean medicine clinic with auto insurance? Yes, you can receive treatment at a Korean medicine clinic with auto insurance since acupuncture, chuna therapy, and herbal medicine prescription are included within auto insurance treatment fee standards. However, detailed application criteria may differ by insurance company, so individual confirmation at the registration stage upon visit is recommended.
Q2. Can I continue spine and joint management after using up the 20-session chuna therapy limit? Chuna therapy is limited to a maximum of 20 sessions per accident. Even after the limit is exhausted, spine and joint management can be continued using zero-gravity decompression equipment, allowing treatment to continue without interruption through coordination. Specific applicability needs to be confirmed after consultation.
Q3. How long after the accident should I visit a Korean medicine clinic? It is recommended to visit as soon as possible after the accident. The later treatment begins, the more complex the process to confirm causal relationship between the accident and injury can become. Even if pain feels mild, soft tissue damage or blood stasis may be present, so leaving early treatment records is helpful.
Non-covered medical expenses are displayed and provided in-clinic according to Medical Law Article 45.