[의학신문·일간보사=이재원 기자] While the insurance industry and financial authorities recently introduced the fourth-generation non-payment premium type of indemnity insurance, the Korean medical community argued that such a fourth-generation ineligible loss product would reduce the guarantee of national medical options, and in order to expand this, a special treatment for non-payment of oriental medicine should be established. And went out.
The Korean Oriental Medical Association and the Korean Oriental Hospital Association said on the 2nd, “Recently, the insurance industry and the financial authorities are expressing concern over the move to increase indemnity insurance premiums and apply premiums. As a guarantee, we strongly urge that measures to be taken to add major oriental medicine non-coverage treatment to the special terms and conditions must be taken first.”
Lost-loss medical insurance has expanded rapidly in both quantity and quality, and is now being called the’second national health insurance’.
“However, when the standard terms and conditions were enacted in 2009, the medical option of the people was limited as the uninsured treatment of Korean medicine was excluded from the compensation category, and the insurance coverage for indemnity insurance was transformed into an abnormal structure that determines the medical choice.” “In the medical environment where a healthy competitive structure has disappeared, the indiscriminate rise in non-payment medical expenses is the root cause of the inherent loss structure of real-life insurance,” he pointed out.
The National Rights Commission 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, even in the oriental medical field, as agreed with the insurance industry, the establishment of data on medical expenses of oriental medicine for several years and the standard clinical practice guidelines project are also being developed. The oriental medicine community explained that it has been insisting on the justification that it should be guaranteed. However, it is argued that the discussion has been postponed because the loss ratio of loss could be further increased.
“Under such circumstances, the insurance industry has decided to significantly increase the premium for indemnity insurance before 2009 (before the enactment of the standard terms and conditions), so those who are covered with the remaining unpaid treatment of Korean traditional medicine will increase the cost of the indemnity insurance. Even if I tried to change to insurance, I was faced with a situation in which the non-payment of Korean medicine was not guaranteed,” he criticized.
In addition, as the financial authorities recently revised the standard terms and conditions (4th generation loss) to separate non-payments into special contracts and increase insurance premiums in proportion to the amount paid, insurance companies are safeguards against damages through measures such as increase of premiums and premiums. On the other hand, the insured citizens pointed out that there was an unreasonable situation in which the benefits of real loss insurance were reduced and the burden on expenses increased significantly.
Oriental Medicine said, “It cannot be a justifiable justification for any reason to increase the burden of the insurance company’s loss ratio increase on the public. He stressed that it is only by guaranteeing again and expanding the people’s right of choice,” he said.
Reporter Jaewon Lee [email protected]
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