<Anchor>



Premiums for real-life insurance, which 40 million Koreans have subscribed to, jump sharply every year.

The insurance industry has proposed a double-digit increase, saying that the loss is still large, but criticism follows that it is shifting responsibility to subscribers.



This is reporter Kim Jung-woo's report.



<Reporter> Real-



life insurance premiums have risen by double digits for the past two years in a row.



As a result, the burden on subscribers has also increased.



[Indemnity insurance subscriber: I think that's why I'm going to pay another 150,000 won next year.

(Originally) I paid 64,000 won each, but it went up last year.]



However, the insurance industry insists that there be a minimum increase of 10% next year as well.



This is because the loss ratio is 120-130%, that is, when a subscriber receives 100,000 won, they return 120,000 to 130,000 won, which has been repeated for several years.



However, subscribers are very dissatisfied.



Non-life insurance companies have achieved the best performance ever this year, but why are they passing their losses on to subscribers?



There is also great dissatisfaction with the fact that some people who do 'medical shopping' receive excessive benefits.



Last year, 62.4% of all indemnity insurance subscribers never claimed insurance money, and 95% of inpatients did not claim insurance money or received only a small amount of less than 500,000 won.



[Lee Chi-hwa/Seoul Yangchun-gu: It's the same as converting it to 1/N for general consumers.

It is pointed out that there is a part of responsibility for poor management rather than consumer use.]



It is pointed out that excessive medical items such as cataracts and manual therapy should be well managed to increase benefits for bona fide subscribers.



[Jeong Seong-hee/Director of Research, Insurance Research Institute: Some of them take most of the insurance money, but that now leads to an increase in insurance premiums for everyone, so there is a problem with the fairness of consumers' insurance premium burden.]



Next year's insurance premium increase A decision will be made by the middle of this month.



(Video editing: Choi Hye-ran, VJ: Park Hyun-woo)