Is [gimmingyeong financial newspaper reporter Korea] indemnity health insurance reform to re-visit next month. Existing structures is to isolate a single medical indemnity insurance for 'basic' and prospects become part of the subscriber Medical Shopping impossible reorganized into 'special contract type' hands kkophideon blamed for rising premiums.
Financial authorities have selected a stable supply and health expenditure burden of the insurance indemnity from the end of last year as the financial reform key challenges and embarked on 'indemnity health insurance plan improvement "prepared. Accordingly indemnity insurance that has continued over the past several revisions since 2003, was once again rise to the operating table.
◇ traditional indemnity health insurance, the problem is
Indemnity insurance will rise to reflect the ratio of annual insurance as a commodity that is automatically renewed every year premiums. This year Lotte Insurance △ 32.8%, △ 26.9% Hyundai, △ KB Insurance 26.1%, △ 25.6% Meritz etc. Most insurance companies have raised the annual indemnity insurance for about 20% on average.
If the insurance premium hikes, the place had a loss ratio of insurance companies to continue to grow.
According to the Financial Supervisory Service, the cumulative loss ratio of indemnity insurance soared 109.9% in 2011 to 129.7% in 2015. Ratio means that there are many naejun than the insurance premiums which are higher than this, based on 100% premium Reap.
The industry kkopneunda an increase in specific gravity as the main culprit of uninsured increased loss ratio. According to data from the Insurance Institute uninsured medical expenses that are not actually applied to the number of health insurance accounts for more than two-thirds of the insurance payments and the share is also reportedly continuing increase in 67.2% in 2012 to 68.6% in 2014.
◇ changed indemnity insurance, what
Indemnity insurance that are newly released, was provided with a device to prevent the moral hazard of some customers Considered the main culprit in the loss ratio, with incentives given to consumers using less quantity of medical services.
First △ to ensure the majority treatment acts as a low premium basic products and frequency therapy, uninsured scan, MRI is uninsured △ riders are separated by type 1,2,3.
Deductibles of riders is raised to 30% in order to prevent the indiscriminate medical shopping. But also set a cumulative annual guarantee limit, the number of entries per item per capita charges, analyze the number of sets available to more than 95% guaranteed level of subscriber was enough to protect the innocent subscribers.
Two years immediately preceding the US insurance claimants who are also providing incentives that off for a year over 10% premium.
However, insurance unclaimed payroll deductible when determining whether and four serious diseases related to uninsured medical expenses sought to avoid if you are hesitant to essential care in order to receive discounts except.
◇ the end of an existing subscriber, shall we ride grind
The annual rise steeply indemnity insurance pays seureopdeon subscribers feel welcome at an affordable indemnity insurance market. In particular, it decided to freeze financial authorities considered five years new indemnity insurance premiums paid by subscribers to the new outlook is even lower.
Insurance, but it is haebomjik if things do not often claims the hospital moxibustion incentives also utilized.
However, you can ride aimlessly change without considering their state of health and medical care, including periodic encounter the 'belly bigger than the boat' situation.
The new indemnity insurance is deductible proportion of premiums, while riders of subscribers is lowered due to rise to 30% from the current 20%. In fact, when receiving medical care to charge the insurance premiums in accordance with experience of the subscribers is bound to be higher.
For example, cotton in one hour received the degree of treatment 100,000 won price that consumers pay will increase from the current 20,000 won to 30,000 won.
If you have ten thousand days indemnity insurance sustain long periods of time can have "unconditional Maintain dapil. If you signed up prior to 2003 due to possible injury medical collateral gotta calculated based on total medical expenses deductible satin and even full compensation.
Indemnity signed up before the 2013 insurance renewal period is three years, insurance deductible is the amount that can be guaranteed is the greater of 10%.
The insurance claims Frequent subscribers If indemnity insurance is a count of 'old building the syrinx. Gotta it expected to raise premiums inevitable when only deserves renewed consideration to two days to go to the hospital rare subscriber riding ground.
Industry insiders said that "it is more affordable car option is missing Full Option Vehicle surprising 'said' climbing than unconditional transfer that premiums are cheaper will have to decide, consider your own health or situation.
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