<Anchor> It is a

friendly economic time.

Reporter Kim Hye-min is also here today (1st).

Reporter Kim, there have been a lot of people talking about real-life insurance in recent years. It has risen too much. Did reporter Kim subscribe to real-life insurance?

Did you check that you climbed up?


Yes, I was paying about 23,000 won a month, but I checked it a while ago and it rose more than 10,000 won.

There must be a lot of people who are similar to me, but the insurance I subscribed to is a so-called second-generation impairment that was purchased from 2009 to 2017. 

At this time, more than half of the total number of real-life insurance subscribers has increased. Premiums have already increased since last month, and those who subscribed to third-generation insurance since 2017 have also increased since last month.

The first-generation loss is expected to increase in April, but it seems that the increase rate will be higher as it is the best insurance condition where there is no self-pay.

For those whose premiums are renewed every five years, the annual increase rate may increase by more than 50% this time.

If you are older or have a medical condition here, your premium may be higher.

The insurance industry explained that the increase could be close to 100% for older people who had real-life insurance before 2009.


Then you can go up to twice as much, it’s a lot.

But when you sign up, it might rise so much, and there are many people who have signed up.

So, once the climb has gone up, I think we need to find out the reason for the climb.

Why did you climb so much?


Yes, this premium increase rate can be determined autonomously by the industry, but in fact, the financial authorities give guidance.

At the end of last year, the insurance industry asked the Financial Services Commission to raise insurance premiums for losses by more than 20%.

But here, the Financial Services Commission offered an opinion to raise it to only 10%, and this time, the premium has increased to the high 10%. This is a one-year increase rate, so those who have insurance renewed every three years or every five years will increase the amount in the meantime. This time, they are all reflected at once.

So it can go up to over 50%.

Insurance companies insist that the reason why they have to raise premiums so much is because the insurance premiums that consumers have made over the years have increased too much.

The loss ratio for real-life insurance has nearly doubled over the past three years.

The main reason is that a small number of subscribers have received excessive insurance payments. Because of this problem, the '4th generation real loss insurance product' is said to be launched from July of this year.

<Anchor> In the

end, it is a situation where many people have to share the cost due to some unconscionableness. Then, I will talk about what to do from now on.

Reporter Kim, it was last month before us.

I introduced you to the fourth generation real-life insurance.

At that time, reporter Kim interviewed experts and it is better to keep the existing insurance.

How is it?


Yes, first of all, I will explain the comparison between the existing insurance and the fourth generation loss.

Here is the average of the monthly loss insurance premiums for men in their 40s.

The premium for the first generation is a little over 36,000 won, 20,000 won for the second generation, and 12,000 won for the third generation.

On the other hand, the fourth generation's actual loss is about 1,900 won.

When comparing the 1st and 4th generations, there is a difference of more than 300,000 won in insurance premiums to be paid per year.

But the important thing here is that the 4th generation does not only have to pay this premium, but one more premium standard.

If an insured person receives a lot of unpaid medical treatment, that is, manual treatment, the premium jumps up to four times, but if they go to the hospital less, the premium is reduced by as much as 5%.

Compared to the premium rate, the discount rate is very small.


So, if you have a pre-existing insurance, you don't have to subscribe to the 4th generation insurance.

Can you organize it like this?


Yes, it is.

Most of the time, it is better not to change it.

A consumer group recently released a press release, and it is said that subscribers who have an existing illness and need to receive regular hospital treatment are better off maintaining renewal premiums even if they are charged.

This is because the premium premium is much larger than the discount.

In particular, depending on your age or health condition, you may be denied the 4th generation loss insurance.

However, very few people who think'I'm really healthy right now and I rarely go to the hospital', and those who are too busy to receive unpaid medical care, it's okay to join the 4th generation loss.

However, insurance premiums may seem low right now, but you don't know how and when to get hospital treatment.

You must consider all of these points to make a decision.

In the future, insurance companies can continue to increase the existing loss insurance premiums to induce termination and to recommend 4G insurance, which means that the benefits of the subscribers will gradually decrease.

Some of those who do medical shopping are also a problem, but many good-natured subscribers who don't go to the hospital a few times a year are taking on the damage.

Financial authorities and insurance companies should come up with a breakthrough solution rather than simply trying to solve it by raising premiums.