[Jaetekeu Q & A] changed indemnity insurance

[Heogwahyeon financial newspaper reporter Korea] 1. How are we going to change and the indemnity health insurance premiums bakkwimyeonseo also lowered this month?

We have indemnity insurance puts your product bundle the basic guarantees and riders so far. So actually I haetguyo likely also guaranteed bit lower premiums to pay, or there was a problem that the premiums paid by causing the hospitalization in place is not enough, as in the case of MRI scan costs. So this time only ensure basic medical care and other uninsured injections or MRI, etc. it will lower the costs separately to join a rider.

2. Is not The thing that's guaranteed to be a disadvantage instead of a cheap insurance?

Even if the structure is not changed and it will not change the past. Just because the availability of basic medical reckless guaranteed because the riders are separated by eopguyo difference. Even if you sign up to join the two together as before. Instead, premiums have generally lowered to. For example, it was as viewed by the age of 40 men previously, the level of 17,000 won it when you sign up, only basic 11,000 won, 10,000 up to 35% of 4,000 won level, because 16% rather than the past when all up to the rider is It will ssajin.

3. This time, without ever changing the medical billing system gives it two years I heard a discount?

That is correct. The new health insurance coverage If you have not charged the last two years gives a discount on insurance premiums for one year following the year of 10%. So if you sign up this month it will be a premium discount applies to one year in April 2019. However, doeguyo not qualify for this discount is signed up in the past. If you sign up this month in April only will. Therefore, those who have already signed up can switch to this new plan. And receive discounts on insurance premiums can be discounted separately for basic and riders.

4. So how do I sign up to the existing insurance?

When the existing subscriber to change to a new insurance indemnity can directly change without examination. However, when you switch if you have any additional guarantee entry compared to existing products must obtain a separate review for that part. So for example, you need a separate screening for mental disorders such as panic disorder or 2009 before the disk, and congenital disorders subscribe to.

5. To join a new insurance from time Viscosity several noted iteultendeyo.

That is correct. Now insurers 14 places, neundeyo naenwat a new non-life insurance products in 10 locations. Product structure and guarantee the same as, the premium will be a maximum of 40% difference by insurers. Therefore, we recommend'm premiums can see from the comparison site that damoah insurance, health status when you sign up or switch once again ttajyeoseo determine the potential medical use in the future. So the more necessary to me than traditional indemnity guarantee insurance'm Compare what you see. Laid existing transition who do not have insurance are not guaranteed to duplicate if you sign up for insurance benefits, please no mistake.





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