Inpatient insurance and treatment centers are covered, but home treatment is not available

<Anchor> After being

diagnosed with Corona, the number of people receiving treatment at home has now exceeded 30,000. However, even if the same confirmed patient is hospitalized, they can receive insurance from private insurance, but those who treat themselves at home cannot receive money.

For some reason, we will continue the story after looking at what reporter Kim Jung-woo covered.

<Reporter>

Mr. A is in self-quarantine with her husband and two children after being diagnosed with coronavirus and entering home treatment.

Since I was treated at home instead of being hospitalized, I thought that I would receive 50,000 to 70,000 won per person every day, or over 2 million won in total.

However, I learned that home care is not covered.

This is because the insurance contract states that hospitalization will be recognized only if treatment is received at a place stipulated as a medical institution by law.

[Mr. A / Family of home treatment patients: If you go to a community treatment center from your personal insurance, you can claim a daily hospitalization fee (I heard...) You can get it if you go to a community treatment center, but if you go to a home treatment, you cannot receive it.

As complaints continued, the quarantine authorities recommended paying insurance premiums to insurance companies.

[Sohn Young-rae/Chairman of Social Strategy Division, Central Accident Management Headquarters (last 1st): We decided to come to a conclusion while additionally reviewing the scope of interpretation of the insurance industry and related laws.]

Insurance companies are opposed.

If you violate the insurance policy, which has the same status as the law, and pay the insurance money, you may be liable for legal liability and there is a risk of an increase in insurance premiums.

[Insurance industry official: If payment is made, the premium is passed on to most insurance policyholders because the part that is not already reflected in the premium is paid as insurance money.]

Within the financial authorities, living treatment centers are not medical institutions by law, but , there are voices that we need to interpret the terms and conditions flexibly as we are paying insurance premiums.

(Video coverage: Jeong Seong-hwa, video editing: Lee Jeong-taek)

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<Anchor> Here

is reporter Kim Jung-woo who covered this content.

[Reporter Jeong-Woo Kim: As we learned about this matter, in fact, insurance companies have already concluded last month that they cannot pay for inpatient insurance in case of home treatment. Of course, the government is aware of this fact, but the quarantine authorities brought up this issue again because they were conscious of public opinion. In fact, being admitted to a hospital or living treatment center is convenient because it reduces the risk of infection between family members and allows you to focus on treatment. However, in the future, in a situation where home treatment has no choice but to continue to increase, it is obvious that dissatisfaction will increase when the news that you can receive such financial disadvantages is heard. That's why we raised this issue again after looking for ways to provide support to allay this dissatisfaction.]

[Reporter Kim Jung-woo: Yes.

As you said, the living treatment center was not a medical institution by law, so in the early stages of the spread of COVID-19, hospitalization insurance was not paid.

However, as the number of confirmed COVID-19 cases rapidly increased and public opinion turned a little unusual, insurance companies gathered and gathered opinions.

You may be able to pay insurance for this.

So now, in the case of living treatment centers, hospitalization insurance is paid.]

[Reporter Kim Jung-woo: Yes.

Now, if insurance companies step back, they will have no choice but to continue to make concessions.

So, I think we should hold on to this.

In fact, even legally, paying inpatient insurance for home treatment can be a problem.

So, the financial authorities who have intervened are giving out some ideas to the quarantine authorities.

One of them is that if the quarantine authorities want the quarantine authorities to screen out patients who cannot be hospitalized even though they need inpatient treatment and have no choice but to receive home treatment, then they will try to persuade the insurance industry to pay the insurance money.

In fact, from the perspective of the financial authorities, the ball has been passed on to the quarantine authorities, but since the discussion is still in the early stages, I think we will have to wait a little longer.]