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The premium for indemnity insurance, which has so many subscribers, is expected to increase by 15% next year, even being called the 'second health insurance'. Even though more than half of the members have never received adequate benefits, it is a structure in which the whole suffers losses due to some medical institutions and members who abuse the gaps in the system.



First of all, reporter Lim Tae-woo will tell you about cases of overtreatment that went beyond the norm.



<Reporter>



A famous otolaryngologist who advertises a lot of nose plastic surgery.



When a patient came, the doctor first asked if there was



actual

loss insurance,

[Doctor A: Where is the actual expense company?]



[Customer: I am in ○○.]



If you enter that you have sinusitis and rhinitis in the insurance network, it will cost you several million won. They encourage you to get the surgery for free.



[Doctor A: Codes will be J 32 and J 34. The cost is about 4 million won including sinus surgery. The actual expenses are everything.] The



varicose veins hospital says that if the hospital stays for 6 hours rather than just an operation, the hospital earns more money and the patient can receive additional insurance premiums.



[Doctor B: Come at eight. to the hospital. Then at 10 o'clock I have another ultrasound. I have surgery at 11am. I leave at 2pm. If you claim this, you will get about 5.65 million won.]



Last year, 6 out of 10 subscribers did not apply for any insurance benefit.



Due to some evil hospitals and excessive treatment that only subscribers are satisfied with, most good subscribers have to share the burden of the increase.



This over-treatment is like deceiving LASIK and LASEK surgery as cataract surgery, but it is not enough to catch all the evolving behaviors.



[Park Jung-hwan/Insurance company employee: Even in the case of the thyroid gland, which has been called the second cataract, the amount of damages is rapidly increasing mainly due to overtreatment.

After that, the third and fourth cataracts continue to emerge.] If



these structural problems are not fixed, the vicious cycle in which indemnity insurance premiums rise significantly every year is bound to repeat itself.



(Video coverage: Kang Dong-cheol, video editing: Lee Hong-myung)