<Anchor> We

will give you valuable information that is useful for your life.

It's a friendly economic time.

Reporter Kim Hye-min is also here today (19th).

Reporter Kim, today I'm going to talk about real-life insurance, but did reporter Kim subscribe to real-life insurance?


I have heard of one thing before.


Then, the actual loss insurance will change a little from July, right now.

Then reporter Kim will also be worried. Could you explain how it changes first?


Yes, it is already the fourth indemnity insurance that will be changed this time, and all non-payment items for this fourth-generation delinquent loss are'special contracts'.

So, to explain easily, in the future, do only those who want to sign up for non-payment.

Depending on how much unpaid insurance premiums you paid, the following year's rider premiums may rise or fall. This is a bit similar to auto insurance.

It is divided into five stages.

As you can see, if you haven't received any unpaid insurance benefits, it's a first class.

This first class deducts 5% from the next year's rider premium.

And if you get the unpaid insurance premium for less than 1 million won, you are in Level 2, but the premium does not change for this section.

The last 5th grade is those who spent more than 3 million won, and this time, as you can see, the increase rate goes up to 300%.

This means that if you use a lot of unpaid care, your rider premiums can rise four times the following year.

When the government introduces this premium differential system, insurance premiums are lowered for 73% of the total loss insurance subscribers.

It was predicted that only a few, 1.8%, would increase.


So, it's unpaid treatment and medical care that is not covered by medical insurance.

Manual therapy seems to be a representative example. Now, if you receive a lot of these things, you have to pay up to four times more insurance premiums, and those who do not receive these things pay a little less and change like this?

But if you look at it, there is also a self-pay that I have to pay for real-life insurance.

But does this change a little, this time?


Yes, every time I get a real loss insurance, my co-payment is reduced.

This is the part that subtracts a certain ratio and gives this ratio, and both the second and third generations have increased this ratio.

The same is true this time.

Now, the co-payment is 10-20% for the salary item and 20% for the non-salary item, but from now on, it will increase by about 10%.

And when you get outpatient treatment, you subtract the'minimum deductible'.

This also makes an impression.

Currently, outpatient expenses are all around 10,000 to 20,000 won, but in the future it will be increased to a maximum of 30,000 won.

In addition, there is a re-registration period for actual loss insurance, so it returns every 15 years, and it is said that this is also shortened to 5 years.


In summary, if you sign up after July, your copayment will increase a little, while if you go to the hospital less, your insurance premium will be a little cheaper, but if you go a lot, it will increase again.

Then, the most curious thing is whether it is better to purchase real loss insurance before July or after July. Please explain a little.


That part is actually the most important and curious part. When I asked several experts, the textbook-like answer "It varies from case to case" came back.

For those of you who take a lot of indemnity insurance, it is much better to keep your existing insurance or sign up before July.

I'm so busy that I can hardly use it, and I don't have time to fill out the papers.

Then it is advantageous to sign up for a new member in July.

However, as you can see, the premium for this 4G non-indemnity insurance item is up to 300%, but the discount is only 5%.

Even if you're healthy right now, you don't know when you'll get sick in an accident, so you won't get a premium.

So, it's not reasonable to wait and subscribe to 4G real-life insurance to get this 5% discount.

When I asked the industry officials to be honest, they said, “If you are yourself, you will join in advance or keep the existing one before July.”

<Anchor> I think

the honest remarks from industry officials have been helpful.

By the way, reporter Kim, if you look at it now, it's like this real-life insurance, that is, the loss ratio.

Because there is more insurance money outgoing than walking insurance premiums, you keep raising your premiums like this, in the end.

By the way, people who spend too much than raising premiums like this, aren't we supposed to stop this?


Yes, it is.

You talk a lot about that.

In this way, there are voices saying that it is the first thing to solve such things as insurance fraud or over-treatment.

It is said that most of the unpaid medical treatments such as manual treatment or cataract surgery are not paid for indemnity insurance to pay for such necessary treatments such as severe diseases.

In recent years, insurance fraud using real-life insurance has increased significantly.

In addition, those who really need insurance are getting harder to sign up in the future, because insurance companies are raising the threshold for real-life insurance to prevent leakage of insurance money.

Experts pointed out the need for such transparent measures to prevent hospitals from charging unnecessarily high rates or to allow consumers to know the amount of unpaid items in advance.