<Anchor> It is a
friendly economic time. Reporter Kim Hye-min and today (7th) will be with you. Reporter Kim, today is a story related to indemnity insurance. By the way, we have talked about indemnity insurance a few times in this section.
<Reporter>
I have been in charge of the friendly economy and have already brought it out for the third time. However, it is possible that there are so many Korean citizens who are enrolled in this real-life insurance.
Korea's population is 51 million, and a whopping 39 million people are enrolled in real-life insurance, including group insurance.
That's why it's called'the second national health insurance', but it's a lot of talk and a lot of masks.
In the meantime, insurance premiums for injuries have risen significantly, or whether you have to change or not, but this time it is a little different.
When I went to the hospital and got indemnity insurance, the process of claiming was too complicated. There have been many complaints like this.
There were quite a few cases where I didn't claim the damage insurance payment because it was annoying.
In fact, three civic groups surveyed 1,000 people with real-life insurance.
Then, in the last two years, nearly half of the people who had given up even though they were able to claim medical insurance for indemnity had given up.
After taking the insurance, the monthly premium goes all the way, but after I went to the hospital, I had a lot of waste of money that I didn't get compensation because I didn't claim insurance money.
<anchor>
I think so too. It's a bit cumbersome to apply, especially if the hospital fee is a lot, I'll apply even if it's a bit cumbersome, but it seems that there were a lot of cases where I just said "A" when the hospital fee was short.
<Reporter> In
fact, the reasons for not claiming insurance benefits are all the same.
Those with indemnity insurance will agree, but the cost of treatment is not high, but the types of documents required by insurance companies are different depending on the amount, and the form of documents provided by hospitals is also different.
If you can't get the documents on the day you see the doctor, you have to go back to the hospital. This is too cumbersome.
Fortunately, even if you have received the proof, sending it to your insurance company is not easy.
Fortunately, up to a few years ago, I had to go to the insurance company or send it by fax, but now I can shoot and upload it with my mobile phone.
By the way, even this is annoying, so I have hospital documents piled up at home.
If you think about it, in fact, the reason for indemnity insurance is to take advantage of this benefit because most of the coverage is covered even if you go to the hospital for a mild illness.
So, in the first place, actual loss insurance is a structure in which you have to claim a small amount of insurance frequently.
If there's a way, it makes sense to make the claim process simpler than it is now.
<anchor>
So, is there a simpler way than now?
<Reporter>
Now, in fact, if you bring this document to the customer, you have to make a claim directly to the insurance company. However, it is said that this can be converted into a computerized system.
When a patient asks for my medical records to be sent to the insurance company, the hospital sends this document to the insurance company right away.Since the input is done on the computer anyway, it can be delivered electronically without having to print it out.
During this survey, over 85% of people agree that a computerized billing streamlining system will be implemented once the parties agree.
However, there may be concerns that the patient's information may be leaked during this process.
So, when the simplification of claims is implemented, it is likely that public institutions that can be relatively verified and clearly ask where they are responsible, such as the Health Insurance Review and Assessment Service, will manage this system.
<Anchor>
No, so we are doing very well with the computer. I think I can use this, but why hasn't it been done yet? Are you reluctant to do so because insurance companies don't like to pay a lot of insurance money?
<Reporter>
Rather, insurance companies and financial authorities are welcoming this system.
Insurers are actively pursuing, because now insurers are in a situation in which employees manually input documents that customers take photos or give out in paper.If information is simply provided, insurance companies can reduce labor and maintenance costs, and this is more profitable. It's called.
It is the medical community that is opposed to this system, and it is argued that medical institutions are not obligated to transmit information and that personal information of patients may be leaked.
And another important reason is because of the'non-covered medical expenses'. The unpaid medical expenses are charged differently for each hospital, but they are not disclosed. We are concerned that this could be revealed intact above the surface of the water.
It has been 10 years since discussions on simplification have already been made. In the National Assembly, a related bill was initiated again this time.
Still, we can expect some expectations for this year. This amendment has a clause that says, ``The Review and Assessment Service prohibits the use of information for purposes other than sending documents'', so that the Review Board cannot manage non-payments.
Anyway, regardless of the interests of the institutions, it is hoped that the amendment will be passed from the perspective of consumers this time to simplify the cumbersome claim process.