[Korea gimmingyeong financial newspaper reporter] Each year new issue of indemnity insurance indemnity improved the impression that insurance products are launched next month. Reorganization of the existing structure to separate the single indemnity health insurance products as 'basic' and 'rider-type', the amount of medical services is not the main point that gives incentives for small consumers.
Finance Committee amended the insurance supervision and insurance supervision regulations enforcement regulations 22 days and told reporters.
This time released "Good indemnity insurance 'is an item on the elaborate financial authorities last year. The government has selected a national health burden and stable supply of medical indemnity insurance last year called 'second health insurance "as a key task of financial reform and establish a" medical indemnity insurance improvements.
As a result, starting next month, it is expected to ensure the contents of the separation indemnity insurance. △ basic 'products and manual therapy, injections uninsured, uninsured MRI to ensure that the majority of medical practices to lower premiums △ riders are separated by type 1,2,3.
In particular, the existing problems of medical indemnity insurance had raised the deductible depending on the rider pointed out that in 30% due to the indiscriminate care of some shopping subscribers. It also set a rider itemized cumulative annual guarantee limit, but set the number of times an itemized analysis of per capita number of charges, more than 95% of the level of guarantees available to subscribers was good enough to protect subscribers.
Two years immediately preceding the applicant who claims the US is also provided incentives to discount premiums by more than 10% a year.
However, when determining whether claims related to unclaimed payroll deductible severe disease and 4 were uninsured medical expenses if you want to avoid hesitate to essential care in order to receive the discount excluded.
The new indemnity insurance can switch easily without any additional screening even existing subscribers.
The financial authorities decided to increase the convenience of the subscribers want to switch to an existing product launch "Join switching riders. However, if you have guaranteed entry to be added compared to existing products, the agreement may be subject to review for the item to be added.
New product structure and premium discounts shall enter into force one day next month.
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