New indemnity insurance - financial newspaper gimmingyeong Korea News] The product structure has significantly changed was launched earlier this month.
As a result the financial authorities have prepared an ambitious since the end of last year, the issue of improving the existing indemnity insurance indemnity contained the main cause of the ambitious commitment that some consumers japgetda of 'moral hazard' of the premium increase.
However, unknown new indemnity insurance to hold a stable position on the market jeongjak "the smiling" is that someone. Financial authorities have advised me to apply to the insurance industry, "Good indemnity insurance 'name that an average of 20% over last year, lower rates can be slashed premiums down. Insurers have raised a voice that cuts excessive.
In particular, according to the Insurance Business Supervision Regulations enforcement regulations new insurance products can not adjust the premiums until the cumulative five-year contract statistics. Eventually the first time the rate prescribed count the next five years, which is the price of indemnity insurance. However, the premium is reduced dwaeteumedo despite jeongjak consumer experience is less expected. Because the self-pay ratio is a group of riders increased from 20% to 30%. Guaranteed amount and the number of riders is also set. The reform yinyaneun question for someone is bound to come.
It is because you have not improved at all hanchuk of key issues thus stopping to indemnity insurance reform is "half-solutions.
Loss ratio of insurance premiums increased towing indemnity is due in the majority of uninsured medical degree yirwojin mainly treated in small hospitals with high consumer accessibility. Uninsured medical expenses is essential that the problem of uninsured medical expenses indemnity insurance should not ultimately control does not apply to a number of health insurance is that it takes more than two-thirds of insurance claims paid.
Introduced the world healthcare aspiring future of the insurance industry is also blocked by the 'ego' of the healthcare industry. Various medical care goes in their institutions thanks to the development of information and communication technologies have become permanent trend of home care services available.
Especially noteworthy is the popularization of smart devices and IT platform became gotta expand the association and insurance services easily. Domestic insurers are in the spotlight after another basing health care as a new growth engine of the saturated insurance markets and help the health care program for customers.
But much like without clear criteria for medical and non-medical care in the country difficult to regulate insurers to respond quickly to the higher voices of discontent. Major international insurance company trend already riding the wave of the 4th naseoneun industry and other industries to actively expand health care services through active collaboration.
Nevertheless, the medical industry is doendamyeo health services in conflict with the expansion of the insurance company medical law still holding half.
It is argued that should the 'medical care' that can only be a simple medical practitioner About insurers beyond the services or health care services, including primary services provided to customers naseoneun a leading health care.
The Ministry of Health and Welfare from being conscious of these tasks overlap controversy last year, but he would come up with a non-medical health care guidelines, 'Hit the fierce opposition is still in a standstill.
The beginning of the year the insurance industry has cited 'qualitative growth' and 'innovation' such as a buzzword of the year. However, only the insurance industry reform goes without cooperation of the Department of Health and Human Services and the medical industry is just lame. Among the busy figure, only the voices together is the future of the insurance industry is bleak.
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