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Ineligible medical insurance, also called'National Insurance', with 38 million people subscribed to it. As the problem of deficit caused by some over-treatment became serious, the government decided to introduce a new real-loss insurance product.
First of all, reporter Hyung-woo Jeon reports on the extent of the problem with real loss insurance.
<Reporter> When
I inquired about cataract surgery at an ophthalmology clinic, I asked if I would like to sign up for real loss insurance.
[Ophthalmology officials: Do you have insurance that can be claimed?]
Recently popular multifocal lens implantation is also instructed to cover insurance.
[Ophthalmology Personnel: You can pay for the examination fee (insurance).
If (cataract) is diagnosed, it is possible to handle (multifocal lens also real loss insurance).]
In 2016, expenditure on cataract related real loss insurance surged from KRW 78 billion in 2016 to 450 billion KRW last year.
[Insurance officials: As competition intensifies, claims for insurance premiums that induce over-treatment for items that can inflate hospital expenses such as cataract surgery (increased)]
A man in his 40s, for a period of more than a year from July of last year. He received manual treatment 69 times and received an insurance premium of 8.8 million won.
Receiving indemnity insurance like this is concentrated on a small percentage of the total insured.
The top 3.4% of insured people took more than half of their insurance benefits, and 65% said they did not.
[Sunghee Jeong/Director of Non-life Insurance Research Division, Insurance Research Institute: Most of them never go to the hospital, but there is a part where it is less fair to pay the same premiums as those who use them a lot.]
New premiums due to a small number of excess medical treatments increase the premiums of general subscribers. Has been connected to.
(Video coverage: Donghyuk Yoo, video editing: Wonhee Won)
▶ If you go to the hospital often, '4x insurance premium'…
General reorganization of new real-life insurance