If an emergency occurs during the Lunar New Year holidays and you are treated in an emergency room, you can be compensated with loss insurance.
The Financial Supervisory Service (hereinafter referred to as the Financial Supervisory Service) announced on the 19th that it summarized 'Informative information on indemnity insurance' containing these contents.
Indemnity insurance refers to an insurance product that compensates for the actual medical expenses incurred by the insured in case of treatment due to illness or injury.
Indemnity insurance sold on the market compensates for medical expenses incurred in treating various injuries and diseases that may occur during the holidays, such as fractures due to slips and falls during adult seedlings and drug addiction during the weeding process.
Therefore, if you are treated due to a safety accident during the holiday season, it is good to check whether the loss of life insurance is compensated.
In particular, in the event of an emergency, medical expenses (emergency medical management fees) paid after receiving treatment at the emergency room of a tertiary general hospital such as a university hospital can also be compensated by loss insurance.
The 'emergency symptoms' presented here must be the symptoms listed in the Enforcement Rules of the 'Emergency Medical Service Act'.
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▲ Symptoms recognized as emergency symptoms (examples) / (Photo = Provided by the Financial Supervisory Service)
However, an exception is if you visit the emergency room even if you do not have emergency symptoms.
In this case, if you paid the full amount of treatment without the burden of the NHIS, you should be careful as you may not be compensated by the loss insurance.
In addition, during this Lunar New Year holiday, as the demand for overseas travel, which has shrunk since the COVID-19, increases, it is expected that the number of overseas travel insurance that guarantees various accidents will increase.
In response, an official from the Financial Supervisory Service advised, "If you plan to subscribe to overseas travel insurance, carefully review the guidance materials provided by the insurance company, such as 'Notes on duplicate subscription', and check whether you are enrolled in duplicate with domestic medical expenses."
You can check whether or not you have signed up for indemnity insurance at the Financial Consumer Information Portal (fine.fss.or.kr) 'Show My Insurance'.