<Anchor> It
's friendly economy time.
Reporter Han Ji-yeon is also here today (the 16th).
She had cataract surgery this year, but she didn't receive the insurance premium she had signed up for. How many complaints have there been?
<Reporter>
Yes, in the first half of this year, complaints related to indemnity insurance increased by 30.4% compared to the same period last year.
As insurance companies began to rigorously review cataract surgery, which was pointed out as a major cause of loss of indemnity insurance, from the beginning of this year, many consumers complained about whether it was over-examination.
One of the strengthened payment standards is that the insurance company receives additional slit lamp microscopy data.
The slit lamp microscope is a high-magnification microscope that diagnoses the opacity of the lens.
In some cases, hospitals do not save these microscopic photos after examination, and experts say that it may be difficult to determine cataracts from only photos. Let's hear it.
[Professor of Ophthalmology at Medical School: (Slit lamp microscope) You have to have a very good camera.
Suddenly (insurance company) asked me to prove it now, but in some ways, the camera might be bad.]
<Anchor>
Now, if you listen to that ophthalmologist, the camera is now referring to that machine.
So now, the insurance company will take the picture taken under the microscope and ask them to take another test to the hospital they designated and get a diagnosis, something like that.
But recently, this court has ruled that this process, the practice that insurance companies are doing now, is a little inappropriate?
<Reporter>
Yes, the doctor in charge diagnoses and operates the cataract directly through the microscope before looking at the microscopic data of the slit lamp.
Nevertheless, it is the court's judgment that it is unreasonable for the insurance company not to pay the insurance money.
Mr. A signed up for disability insurance in 2009 and underwent cataract surgery in 2020.
The insurance company sent a photo of A's slit lamp microscopy to another university hospital and claimed that lens opacity was not confirmed as a result of consultation.
The results of slit lamp microscopy may vary depending on the angle of illumination and shooting angle.
This is likely to put a brake on the over-examination of some insurance companies in the future.
<Anchor>
So now, the court's judgment is more accurate when the doctor sees it with his own eyes than the insurance company took a picture and checked it again, right?
(Yes. The doctor in charge diagnosed it with the eyes, that's how I saw it.) I see.
We've been talking about cataracts, but is it caused by UV rays?
They say you need to wear sunglasses to avoid UV rays, which one is better?
<Reporter>
Yes, there are many people who think that sunglasses are only used in summer when the sun is shining.
To prevent cataracts as well as eye diseases, it is essential to wear sunglasses when going outdoors even in the fall.
But if you choose eye protection, you don't really need the expensive ones.
When the Korea Consumer Agency compared 10 sports sunglasses products on the market, the prices varied.
However, the UV protection rate of all 10 products was found to be excellent at over 99.9%.
In the impact test, no abnormalities were found in any of the products.
UV protection is more important than the color of the lens, but whether the UV protection coating is well applied It can block most UVB, medium-wavelength ultraviolet rays.