Despite the continued management of loss insurance by the tax authorities, insurance payments.

Despite the continued management of loss insurance by the tax authorities, the insurance payments for unpaid injections and manual treatments last year increased significantly. The financial supervisory service is planning to continue to advance a reform of real loss insurance to prevent premium hikes and distortions of the medical system.

According to the financial supervisory service on the 12th, the loss insurance paid in Korea was 15,2234 trillion WON last year, which increased a profit of 14.813 trillion in the previous year. On the other hand, the insurance payments for unpaid injections rose by 16% to 2.8092 trillion KRW and musculoskeletal physiotherapy, such as manual therapy by 14% to 2.6321 trillion Krw. The increase in insurance payments in the two sectors, which are considered the main cause of the loss of real insurance, led to the overall increase in insurance payments.

Accordingly, insurance payments in connection with unpaid injections and the treatment of the musculoskeletal disease accounts 35.8% of the total, overwhelming cancer treatment of 10.4%. In addition, non-payment treatment in connection with new medical technologies such as knee stem cell injection and prostate division also increased to 40% or 30% compared to the previous year.

However, the loss ratio showed a slight improvement. The 4-year loss rate (incident loss ÷ premium income) was 99.3%and decreased by 4.1 percentage points compared to the previous year. However, this is also well over 85%, the quarter -progressive loss rate in which insurance companies can make profits through the product. Last year, the losses in connection with real loss insurance also went by 352.1 billion WON -WON losses compared to the previous year to 1.6226 trillion.

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The financial supervisory service said: “During the implementation of the previously announced reform plan for real losses without a follower, we will thoroughly supervise it to prevent consumer damage in the implementation process” and emphasized: “We will have problems such as excessive medical use of real loss insurance, the concentration of certain non-use and high insurance premiums.”

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