This year the trend of [gimmingyeong financial newspaper reporter Korea] insurance is a cancer insurance policy that guarantees to the cost of living. Because of increased survival rates of cancer patients to the development of medical technology, cancer diagnosis and surgery, as well as the conservation needs for a period of time grown with income loss.
According to the National Statistical Office showed that nearly 28% of all deaths due to cancer of the causes of death in 2015. In addition, five years relative survival rate for cancer patients occurred five years recent survey that more than 70%. Two out of three cancer patients survive more than five years that the talk.
As survival needs surgery to strengthen the insurance industry, jindanbi only guarantees the past was unlike temporary release after another payment type to monthly income or security screening product that pays for the cost of living every year in. In particular, it falls just right is to evaluate the situation for insurers to increase the protection-type insurance products sold in connection with the introduction IFRS17. Insurance industry officials have predicted a "coupled with this trend will be a cancer insurance market to continue living in the future." Naenwatda also expected that "the future will be added to the value-added services, such as cancer insurance products, as well as the cost of living guarantee health care to release more."
Among life insurers, Samsung Life Line of the "all-in-one insurance arm 'of non-life insurance lines attracts a particularly eye-catching, continue to receive monthly insurance arm" of Meritz Fire & Marine. In particular, the product of Meritz's assessment that appeared to have insurance price index 100.2 provides enhanced compared to existing guarantee a reasonable premium. Insurance Price Index is a sense that is lower than this value divided by 100 to see the net premium was calculated considering such a ratio in the Insurance Institute plus the industry average project cost is cheaper than the average.
Samsung Life 'all-in-one cancer insurance "will pay the monthly living expenses for up to five years with funding diagnosed when cancer diagnosis. Is divided into temporary payment type and the persons die according to claims payment scheme, a large customer needs for customers like any existing diagnosis of funds during cancer diagnosis date and payment type are expensive, the cost of living is when you select the persons die. The newly introduced health care and herbal warranty is a feature of this new Samsung Life Insurance.
Customers who subscribe to a certain guaranteed amount for at least provides a "health care" five years after the cancer diagnosis. The customer received a diagnosis of cancer can be helped by such treatment if accompanied by a dedicated nurse, input and discharge procedures, post-treatment reservation request for health care services. Common services such as health advice or appointments are also available.
You may receive a "cancer herbal health guarantees riders" up to 100 million won (3rd line) even if the cheopyak prescription clinic after diagnosis join the case of herbal and acupuncture physiotherapy up to 10 million won (limit five times each).
In addition, through various sized Danam riders as well as cerebral hemorrhage, it broadened the range of guarantees, such as acute myocardial infarction, acute cerebral infarction.
After you join an existing cancer care and cancer Rider Samsung Life, but has passed five years, was also developed its new "Add ensure accident-free customer riders' to customers that did not join the various insurance while. When you subscribe to this rider it becomes no restrictions such as cancer, typically after △ applied to join the insurance within 90 days of onset non-guaranteed, △ 1 years, Cancer Diagnosis Benefit 50% reduction payments.
Samsung Life official said, the saying "dweller mold one thing various owing to join, as well as products designed to ensure to the cost of living after cancer diagnosis," "Especially the newly introduced health care services are a great help in finding their emotional stability cancer will be, "he said.
Of Meritz '(no) Meritz month to continue receiving cancer care, cancer treatment will continue to pay a monthly 100 to 2,000,000 won, until the nation's first cancer occurs, cancer cells can not. Cancer occurs one year after the payment of monthly insurance payments if cancer remains the insurance is extended to one year. It is also characterized by new cancer occurrence could add to, or even recurrence or metastasis receive a monthly payout up to 100 years on a yearly basis until the end of cancer treatment.
Insurance of this product are available from age 0 up to 65 years and can choose when to update your subscription type and non-renewal type. Update type is automatically renewed annually up to 20 100 years. In addition, you can also add a variety of guarantees associated with cancer, surgery, radiation cancer treatment drugs, cancer therapy directly to cancer treatment, such as hospitalization day.
Meritz officials to pay for insurance as a condition for continued treatment of saying, "This product is not a point differentiated from existing products to pay the insurance until the treatment end up even occur several cancers up to 100 years old," "real cancer because of the product rational structure that can substantially reduce the burden of cancer treatment costs, "he said.
Daily Economic News Finance FNTIMES - commercial reprint, copy, distribute prohibited purposes under the Copyright Act
Copyright ⓒ Korea's Financial News & FNTIMES.com
