<Anchor> When the

situation was like this, the financial authorities decided to make a major adjustment to the real loss insurance.

This is three times.

The key is to go to the hospital often and pay more for those who pay more, and lower the premium for those who go less.

Reporter Deokki Yoo will explain the details.

<Reporter> The

reason that real-life insurance has turned into a ragtag is due to excessive treatment and induction of non-indemnity items that are not covered by health insurance.

Currently, you can choose whether to subscribe for salaries and non-payments together, or to subscribe to only some non-payments.

The new product divides non-paid rider subscribers into 5 tiers.

About 1.8% of people who receive a lot of unpaid care get two to four times the premium for annual renewal, and about 72.9% who go to the hospital reduce their premium by 5%.

However, in order to secure sufficient statistics, these discounts and premiums are applied from 3 years after product launch.

It does not apply to the vulnerable group with cancer or heart disease.

The patient's self-pay from 10-20% now increases to 20-30% for new products.

From next July, you can only sign up for this new real-life insurance.

However, it is pointed out that the insurance premium discount rate is not so large that the incentive for existing non-life insurance subscribers to change is not very large.

[Indemnity insurance subscribers (subscribed in 2008): (insurance premium) We have been dragging tens of millions of won so far, but it is too wasteful to give up this now.]

Unless the management of unpaid medical items is reinforced, due to excessive medical care. Many point out that there are limits to preventing insurance money leakage.

[Hang-Seok Lee/Professor Sungkyunkwan University (Accounting actuarial major): The number of non-payment items is bound to increase.

(Indemnity Insurance) The main department may have the Financial Services Commission and then the Ministry of Health and Welfare.

There is also a medical field.

(It is necessary to establish a system that provides comprehensive control)]

The re-registration cycle of the new real loss insurance, that is, the period of change in coverage, is reduced from the current 15 years to 5 years.

(Video editing: Seung-hee Lee, CG: Gong-su)  

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