[2017 indemnity insurance guide ②] do ahead of April 'good indemnity insurance', really complex market

[Korea gimmingyeong financial newspaper reporter] is a notice released last year, an average of 25% lower indemnity insurance 'good indemnity insurance' existing indemnity insurance products than in April followed by the amendment. Some introduced that "unconditional transfer Gini lower premiums Tara", but requires a precise understanding of the consumer as the product structure becomes complicated.

The financial authorities announced a collaboration with indemnity health insurance plan and revised last year, the Ministry of Health and Welfare. Out of uniform, comprehensive guarantee basic structure of the existing products and riders are separated by type, basic products include eliminating moral hazard triggers suppressed as much as possible to raise premiums. The appearance-conscious in recent years, close to 20% increase in indemnity insurance.

Rider type was configured so that the product can optionally subscribe to classify as a medical concern over the weak level equal to or guarantee degrees △, extracorporeal shock wave therapy and proliferation, △ uninsured injections, △ uninsured MRI tests.

This is the only rider to rider entry in order to avoid moral hazard and adverse selection of the subscriber self-pay ratio △ upward, △ guarantee limit adjustment, △ guaranteed number of settings, etc. are applied.

Self-pay ratio of the first rider entry is raised to 30% from the current 20%. The self-pay ratio of basic goods in the consumer protection dimension is maintained at 20%.

In addition, manual therapy, such as setting the annual 3.5 million won, 2.5 million won annual cumulative injection uninsured guarantee limit of rider entries, uninsured MRI is able to guarantee up to 300 million yuan. Even if the frequency of treatment injections guaranteed to set the number of uninsured could receive support each year through the 50th.

As a result, customers transfer to the new ride indemnity insurance to be released in April must choose how to configure the product from the basic and special agreement.

If you do not normally go to the hospital often had joined the insurance indemnity haenotgo almost not a claim may be cheaper to rejoin as a basic commodity. If you do not charge a premium for the two years immediately preceding uninsured medical expenses because you can get 10% discount on the next one years insurance.

However, officials encourage you to select the appropriate guarantees to their own situation, rather than blindly to find affordable goods. If in manual therapy to ensure rider, MRI, etc. If customers require collateral that it is better to keep the existing indemnity insurance is a new product, rather than self-pay rate upward.

Since October 2009, indemnity coverage ratio was unified at 90%. If one product subscription before 2009 can receive a guaranteed rate of 100% it does not have a high insurance deductible returned.

Industry insiders thereto aimed explained that "this option is missing, the car cheaper price than the full-option vehicles surprising."

Indemnity insurance is wise to ride carefully ensure that the range varies depending on the time of sign up as a tough amended several times over the years to recognize where the guarantee of the product that you subscribe to, how much deductible rate change after comparison.

After all, a good indemnity insurance 'is deteriorating as a rider gotta have some collateral deductible is raised to 30% of the officials pointed out that "josammosa' in that they are advertising as a cheap basic fee.



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