<Anchor>
Injury insurance premiums have risen a lot since this month.
It varies slightly depending on the age and the time when the insurance was purchased, but some people have more than doubled.
Let's consider why insurance premiums continue to rise, as well as why it is better to switch to the new real-life insurance, which is scheduled to come out this summer.
This is Park Hyun-seok reporter.
<Reporter>
First, let's look at where you are in this table.
If you purchased real-life insurance before October 2009, you have purchased first-generation insurance.
If you have been in between this time and April 2017, it is 2 generations, and if you signed up within the last 4 years, it is 3 generations.
Among them, the premiums of this first-generation real-life insurance, which have wider disease coverage and no co-payments, have risen the most.
Let's draw another line here in 2013, and after that time, most of the subscribers have their premiums rising every year.
Prior to that, most of the insurance premiums rise every 3 to 5 years, so the increase in experience is inevitable, but in fact, the one-year increase this year is close to 20%.
In addition, this insurance is designed so that if you are over 40 years old, your premium will rise by more than 4% every year because you are sick and you haven't received insurance.
Lee Seon-ho, who
signed up for real-loss insurance 15 years ago,
has rarely paid insurance money,
and his
premium has almost tripled since this month.
[Lee Seon-ho / 1st generation real loss insurance subscriber: I was really surprised to see it.
I was expecting it to rise, but it exceeded the expected value too much.
Yes.]
Insurance companies claim that the damage is too great to be helped.
As of the previous year, insurance companies received a premium of 1 million won and paid 1.34 million won.
According to the Korea Insurance Institute's statistics, 69% of subscribers have never been paid insurance.
Conversely, less than 10% of subscribers received 75.9% of the total insurance premium.
When looking at where it was mainly used, manual therapy is the number one invariant.
The 2nd and 3rd place were musculoskeletal diseases such as MRI cost, and the 5th place was cataract surgery.
In fact, the team went to these hospitals to see why they were so expensive.
[Do you have actual expenses (injury) insurance, maybe?]
[(Manual treatment
) It costs
120,000 won per 50 minutes.
Those who have actual expenses (indemnity insurance) claim all of them.]
[
If you have
individual actual expenses (intangible loss insurance), actual expenses can be applied...
]
An ophthalmology hospital may even offer guidance that seems to encourage more expensive surgery.
[○○ Ophthalmology: Price is important, but for a single focal point, it is 1,299,700 won, and if you use a multifocal lens, it is 5 million won (one side).
All multi-focus points are available for actual expenses (real loss insurance)...
]
[Hwang, Hong-Seok / Chairman of the Korean Ophthalmologists Association: It is strange that certain hospitals are mainly concentrated on insurers.
The person who sees me and sees that there is no cataract comes to the country after a month to undergo surgery called cataract surgery.] In
July, the fourth generation of indemnity insurance will be launched.
Relatively, the burden of insurance premiums is reduced, but the self-burden for hospital treatment increases by up to 30%, and premiums are increased or reduced depending on the frequency of use.
If you don't go to the hospital often, it may be helpful, but if you get sick often, the downside is that your insurance premium will increase as well as your self-pay.
Another is coverage.
In the case of the first generation, almost everything is covered up to overseas treatment costs, but many non-payment treatments are not guaranteed for free as they pass through the second and third generations.
These fourth generations seem cheap right now, but the situation will change if you get older and have more work to go to the hospital.
So, I think it is advantageous for the middle-aged and those with a medical history to maintain the existing insurance.
[Bae Hong Insurance Bureau Director/Finance Consumer Alliance: Ineligible medical insurance will continue to rise.
In a situation where (insurance premiums) rise the same, maintaining the current part is much more advantageous than for those who are healthy.] In
particular, the difference between the old and the new ones because the
actual
loss insurance cannot be reverted to the old one once it is changed
.
You have to weigh carefully.
(Video coverage: Kim Tae-hoon, video editor: Kim Jong-tae, VJ: Jung Young-sam, writer: Kim Hyo-jin, Kim Jeong-yeon, Yang Bo-won, CG: Hong Seong-yong, Choi Jae-young, Lee Ye-jeong, Seong Jae-eun, Jeong Si-won)