Insolvency Insurance Self-burden 30% → 50%...Medical community/consumer 'revolving'

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In order to solve the problem of over-treatment, the government has come up with a 5th generation real-loss insurance reform plan to raise the self-payment rate of real-loss insurance to 50% and apply it retroactively to initial subscribers.

The medical community and patient organizations are protesting that it is not a reform for patients, and early subscribers are also worried about whether to switch to 5th generation loss insurance.

Reporter Ryu Hwan-hong reports.

[Reporter]
The core of the 5th generation loss insurance reform is to increase the self-payment rate of non-critical treatment such as cataract and non-payment injections from the current 30% to 50% by distinguishing severe and non-critical diseases, and to lower the coverage limit from 50 million won to 10 million won.

Regarding this, it is pointed out that the degree of disease varies from patient to patient, and it is unreasonable for the government to uniformly distinguish between severe and non-critical diseases.

[Lee Bong-geun, professor of orthopedics at Hanyang University Hospital and insurance director of the Korean Medical Association: Patients feel that their arms or legs are broken seriously, but the government classifies them as mild. Actual insurance is an insurance policy to cover such sudden trauma or unexpected illness....]

In order to reform real-life insurance, the government is in a position to apply retroactively to early subscribers, who are more than half of the subscribers, through the insurance company's contract repurchase, and there are concerns about this.

[Ahn Sang-ho / CEO of congenital heart disease group: Some of the first and second generation patients are already covered by a serious disease. How can we reduce his coverage? Of course, I'll go to the lawsuit. I think there will be an unconstitutional ruling.]

However, some argue that retroactive application is necessary to reform loss insurance if there is no disadvantage to initial subscribers.

[Ham Young-il / Professor of Health Administration and Management at Soonchunhyang University] Then, with 18 million, 16 million, and 17 million people in the first generation, it seems that the reform of real loss insurance itself is actually not easy to agree on.]

As the medical community and patient organizations protest in the face of the 5th generation reform of reducing loss insurance benefits and applying retroactively, early loss insurance subscribers have no choice but to worry about whether they must switch to the 5th generation.

The 5th generation loss insurance will be released in the second half of next year.

Putting together the experts' opinions, early subscribers advise that it would be wise to look specifically at the terms of the repurchase offered by the insurer in the future and then decide whether to switch.

I'm YTN's Ryu Hwan Hong.

Filmmaker for
: Jung Hee-in, Kim Jung-won