As the insurance industry and the financial authorities have recently made a move to increase the actual loss insurance premium and apply premiums, the Korean Oriental Medical Association (hereinafter referred to as the Oriental Medical Association) and the Korean Oriental Hospital Association (hereinafter referred to as the Oriental Medical Hospital Association) announced a joint statement on the 2nd to be concerned about such a move. On the other hand, he strongly urged that measures should be taken to add major non-indemnity treatments to special terms and conditions in order to guarantee the public’s medical options before blindly increasing or increasing the insurance premiums.
Lost-in-loss medical insurance has rapidly expanded in both quantitative and qualitative ways, and is now playing a role as a reliable partner for the people to lead a healthy life, as it is now referred to as the’second national health insurance’. Unfortunately, when the standard terms and conditions were enacted in 2009, the unpaid treatment of Korean traditional medicine was excluded from the compensation for indemnity insurance, limiting the people’s medical options, and the fact that the insurance coverage for indemnity insurance has been transformed into an abnormal structure that determines medical choices. In other words, it is pointed out that the indiscriminate rise in non-indemnity medical expenses in the medical environment in which a healthy competitive structure has disappeared, in the end, is the root cause of the chronic loss structure of real-life insurance.
In order to improve such problems, the National Rights Commission of Korea recommends amendment of the standard terms and conditions so that non-payment of oriental medicine with a clear treatment purpose can be guaranteed.As agreed with the insurance industry in the oriental medical community, the establishment of data on medical expenses of oriental medicine for several years and a standard clinical practice guideline project were also developed. Although it has consistently argued that it is necessary to guarantee unpaid treatment of oriental medicine, the debate has been delayed on the grounds that the loss ratio of loss could be further increased.
In this regard, the Korean Medical Association and the Oriental Medicine Association said, “In this situation, the insurance industry decided to significantly increase the insurance premiums before 2009 (before the enactment of the standard terms and conditions). Even if they try to change to a new real loss insurance, they are faced with a situation in which the non-payment of the Korean government is not guaranteed. By setting an additional premium, insurance companies have prepared a safeguard against damages through measures such as increasing premiums and premiums, while the insured citizens have an unreasonable situation in which the benefits of real loss insurance are reduced and the burden on expenses is greatly increased.” He pointed out that it cannot be a justifiable justification for any reason to only add to the public the burden of increasing the loss ratio of insurance companies.
In addition, the Korean Medical Association and the Oriental Medical Association said, “If you want to increase the insurance premiums for indemnity and apply a premium, you will be able to bring out the consensus of the people by legitimately re-guaranteeing the unpaid treatment of Korean medicine that was excluded from the standard terms and conditions, thereby expanding the people’s right to choose.” He suggested that this would be the way from the current loss in loss, which is only half covered by both sides, to a complete loss-in-life insurance’that pays for the medical expenses actually borne by the insured.’
In particular, the Korean Medical Association and the Oriental Medical Association have repeatedly emphasized that the only fundamental solution to this problem is the reorganization of the’half-sized insurance’, which excludes non-indemnity treatment of oriental medicine. In the newly revised standard terms and conditions, major oriental medicine non-payment treatment should be newly established as special terms and conditions.” In addition, for the convenience of the public, the new standard terms and conditions include the addition of non-payment guarantees for oriental medicine, such as herbal physical therapy, medicinal acupuncture fees, and acupuncture drugs. I asked the financial authorities to resume discussions on the matter as soon as possible.
Along with this, he added, “It is a fact that the Korean Medicine Association and the Oriental Medicine Association are the major Korean medicine associations that will induce the members to choose a reasonable treatment method and help form an appropriate non-indemnity market if the opportunity is given to the non-inclusive treatment of oriental medicine, which is equivalent to that of the Western-style non-indemnity treatment. “We will continue to make such arguments and discuss them until the end based on national consensus until the day when non-payment treatment is re-guaranteed under the special terms and conditions for indemnity insurance.”