<Anchor> It
is a friendly economy time.
Today (22nd), I will be with reporter Kwon Ae-ri.
There really isn't anything that doesn't go up these days.
The real loss insurance premium will rise close to 9% next year?
<Reporter>
Yes.
Probably everyone watching the news right now has at least one real hand, but subscribers are now looking at almost 40 million people.
It is often referred to as second health insurance.
However, from January 1 next year, insurance premiums will rise by an average of 8.9%.
This is the so-called 4th generation insurance, which began to be sold after July of last year, there is no increase in premium this time.
However, those who signed up for the 3rd generation from April 2017 to June last year have never had their insurance premiums rise so far, but this time they are rising a lot.
It will rise by about 14% all at once.
And before that, those who have a real loss that they heard before April 2017 will have already been surprised by insurance premiums several times.
Insurance premiums go up almost every year.
Going up again this year.
It will rise by 6-9%.
There will be differences depending on conditions such as the type of product I signed up for or age, but on average, it is like this.
<Anchor>
It really rises a lot.
But this is not the only thing next year that real life insurance goes up.
It seems like this keeps going up every year now.
Why are you putting it up like this?
<Reporter>
In fact, the loss of loss of life insurance is large.
The industry as a whole is seeing a deficit of 2 to 3 trillion won every year.
<Anchor>
But actually, even if I'm the only one, there's an insurance money I pay a year, the total amount.
You have insurance.
However, there will be no insurance money I receive.
However, looking at it, I wonder if this is such a big deficit.
<Reporter>
Yes.
That's if you don't go to the hospital often.
Most subscribers, in fact, can't help but be upset right now.
I've never filed an insurance claim, but the rates just keep going up.
In fact, the reason why the insurance industry's deficit is so large is that people with insurance who signed up before April 2017 can claim relatively inexpensively, such as manual treatment or some non-insured treatments called cosmetic injections. A lot of these items occur.
Those who receive hydrotherapy should receive it.
That's why I buy insurance, but there are people who use it a lot more than others.
There are actually people who go to the hospital almost every day with only manual therapy and receive 60, 70 million won in annual insurance money.
These people are a minority, but they account for a large part of the overall deficit.
So, from April 2017, we launched a third-generation insurance that makes it difficult to use these items freely.
Those who sign up here account for about 1 out of 4 total loss subscribers.
And since July of last year, the 4th generation insurance came out.
Like car insurance, the basic insurance premium is low, but if you take out a lot of non-payroll insurance money, the premium goes up the next year, and if you take less, the insurance premium is lowered again.
The 4th generation subscribers are still about 1.5% of the total, and insurance companies have received notifications to those who have had old insurance these days to switch to this 4th generation insurance.
I highly recommend it.
<Anchor>
I think those who receive notification messages like that will be worried.
Because it seems that there are a lot of benefits in the past, but the insurance money goes up every year, so I think you are worried about what to do. What should I do?
<Reporter>
Yes.
In fact, the existing insurance premiums have risen so much that I will tell you something.
Let's take an example of insurance premiums for each household.
There are product differences, but they are roughly the same as what you see now.
In this case, a 40-year-old male, the monthly insurance premium for the first generation is 47,000 won, which is more than four times that of the fourth generation.
If you look at the insurance premium, it is economical to change to the 4th generation, but the difference in guarantee is large.
In the first generation, when they go to the hospital, they don't have any money to pay or co-pay.
For the 4th generation, non-salary benefits are paid separately as a special contract, and the co-payment has increased, but if you use a lot, the insurance premium even rises.
When I asked an insurance industry official who recommended switching to the 4th generation, I was told that honestly, I tend to go to the hospital often, so I am continuing to maintain the 1st generation.
I have an underlying disease.
For example, there is a disk, there is a lot of age, then there is a saying that 'good insurance is old insurance'.
It is better to not change.
However, because the existing real-life insurance premiums have risen too much, I do not go to the hospital often and it is a burden every month.
If you do this, when you want to find out what is really beneficial to me, 'Insurance Damoa' is now showing on the screen.
If you type 'Insurance Damoa' in the search box, you will see an insurance supermarket supervised by the financial authorities.
Here's an indemnity insurance calculator.
I am currently entering my actual disability insurance.
If you roughly enter how often you go to the hospital and how often you receive treatment, it calculates whether it is beneficial to switch to 4th generation insurance or maintain your existing insurance.
I don't know what my health will be like in the future, and considering that I can't sign up for old insurance once I throw it away, the final choice is for each person, but I can still calculate specific grounds to help my judgment here.