[Korea gimmingyeong financial newspaper reporter] from next month as new medical indemnity insurance market is also deepened concerns of existing subscribers. Which was more than what the customer indemnity insurance will pay a steep climb each year are the cheapest appearance solgithan a news release that the basic product is about 25% compared to traditional indemnity insurance premiums are. But the other side grind blindly without considering their own health and care cycles such as may encounter a "belly-fold greater than" situations.
◇ indemnity insurance 'basic' premiums are lower, cheaper and guarantees
This time indemnity insurance that change is not the main point that gives incentives for low volume consumers of medical services we reorganized into a single structure existing separation, 'basic' and 'rider type.
Financial authorities have broken the affiliate product to separate the three riders separated by one group over medical care concerned it is equal to or guaranteed level is weak.
Accordingly, the current is from the insurance indemnity guarantee judeon collectively △ manual therapy, except for the uninsured injection △, △ uninsured MRI. Premiums for basic products rather than these being guaranteed is lowered.
◇ special contract type, additional subscription and higher deductibles
If you sign up for a new insurance indemnity according to the monetary authorities lowered further to around 26.4% Basic ₩ 14,309 ₩ 19,429 from the current premium to 40-year-old male standards.
In particular, financial authorities said that even though all three riders joined 10,000 6.8% in the current year to 8102 won inhadoel.
But actually when receiving medical care in the insurance claims experience of insurance customers, prospects higher. 'Deductible' should basically burden is due to be raised from the current 30% to 20%.
For example, if the amount received per hour of manual therapy ₩ 100,000 consumers it will increase the burden on the current ₩ 20,000 to ₩ 30,000.
Guaranteed amount and the number of riders is also set to prevent excessive 'medical shopping'. Manual therapy △ ₩ 3,500,000 sets annual cumulative annual guarantee limit, △ ₩ 2,500,000 uninsured injections, △ uninsured MRI is limited to 300 million. Even if the frequency of treatment injections guaranteed to set the number of uninsured could receive support each year through the 50th. If there is a limited number of MRI.
◇ 2 years 10% discount on insurance premiums upon unclaimed
Subscribers who have not claimed the two years immediately preceding insurance for uninsured medical expenses, which are also new institutions over the next 1 years 10% discount on premiums.
When determining whether unclaimed insurance, payroll deductible, and four serious diseases (cancer, cerebrovascular disease, heart disease, a rare incurable diseases) related to uninsured medical expenses are excluded. For example, the consumer goods did not join the riders charge the items, such as manual therapy, injections uninsured can get a discount even received the insurance money to pay other items.
But it seems to be beginning medical indemnity insurance premiums will cease at a high level 1-2000 won by a line off the mob and not.
Industry insiders said, "It is worthwhile to consider '' what is missing this option auto vehicles more affordable options granted full days' saying 'join a haenotgo insurance indemnity if the consumer has not claimed a few years' transfers.
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