When the insurance industry and financial authorities announced an increase in insurance premiums and the application of premiums ahead of the reorganization of the actual loss insurance fee, the Korean medical community began to protest. It is said that measures to establish a new non-coverage treatment of major oriental medicine as special terms and conditions should be taken first.
The Korean Oriental Medical Association and the Korean Oriental Hospital Association said in a joint statement on the 2nd, “When the standard terms and conditions were enacted in 2009, unpaid treatment of Korean medicine was excluded from the compensation for indemnity insurance, thus limiting the people’s medical options, and whether or not to cover indemnity insurance determines the choice of medical care. “In the medical environment where a healthy competitive structure has disappeared, the indiscriminate rise in non-payment medical expenses eventually became the root cause of the chronic loss structure of indemnity insurance.”
The Korean Medical Association and the Korean Byeonggi Association said, “The National Rights and Interest Committee recommends amendment of the standard terms and conditions so that non-payment of oriental medicine with a clear treatment purpose can be guaranteed. “We have consistently argued that it is necessary to guarantee non-payment of oriental medicine, but the discussion has been postponed because the loss ratio of injuries could be further increased.”
They said, “Under this situation, the insurance industry decided to significantly increase the premium for indemnity insurance before 2009, so those who are covered with unpaid treatment for the remaining Koreans will increase the cost of the indemnity insurance, and even if they try to change to the new indemnity insurance, they are guaranteed non-insurance. He also said, “I have been in a situation where this is not possible.”
The Korean Medical Association and the Korean Byeonggi Association emphasized that in order to broaden the range of national medical options and reduce the loss ratio of indemnity insurance, the newly revised standard terms and conditions require the establishment of major non-payment treatments for oriental medicine as special terms and conditions.
They said, “It cannot be a legitimate cause for any reason to increase the burden of the insurance company’s loss ratio increase on the people. Expanding the people’s right of choice will bring out the consensus of the people.”
They said, “For the convenience of the people, we ask the financial authorities to resume discussions on the addition of the non-payment coverage of oriental medicine, such as herbal physical therapy, medicinal acupuncture, and acupuncture, to the new standard terms and conditions.” “It is a fact of clear terms and conditions that if given treatment opportunities equal to treatment, it will induce the subscribers to choose a reasonable treatment method and help form an appropriate non-payment market.”
They also said, “We will continue to make such arguments and discuss based on national consensus until the day that major oriental medicine non-indemnity treatments are guaranteed again under the special terms and conditions for indemnity insurance.”