[2021 National Audit] Only 1% Utilize the System to Stop Duplicate Enrollment in Individual and Group Indemnity Insurance

Baek Jin-kyo, a member of the Justice Party, is speaking at the National Assembly's Public Administration and Security Committee's audit of the Office for Government Policy Coordination held at the National Assembly on the 1st. Photo by Yoon Dong-joo doso7@

[Asia Economy Reporter Oh Hyung-gil] Among 1.24 million subscribers who are double-enrolled in individual indemnity health insurance and group indemnity insurance, only 1% use the suspension system.

According to data submitted by insurance companies to Assemblyman Bae Jin-kyo of the Justice Party on the 7th, among the 1.24 million subscribers who are double-enrolled in group and individual indemnity insurance, only 15,214 subscribers, or 1.2%, are benefiting from the individual indemnity suspension system.

It has been pointed out that although they pay premiums twice for the two indemnity insurances, there are no additional benefits. This is because indemnity insurance only covers the actual medical expenses incurred, so even if double-enrolled, coverage exceeding medical expenses cannot be received.

When an individual indemnity insurance subscriber joins group indemnity insurance due to employment, the individual indemnity suspension system was introduced in 2018 to reduce the burden of paying premiums twice. However, the number of suspension applications has been decreasing every year.

Assemblyman Bae said, "Although three years have passed since the system was introduced, if 98.8% of eligible subscribers do not use the system, it means the system is ineffective." He added, "It is time to improve the system realistically and effectively, reflecting the reality while preserving the purpose of reducing the burden on double-enrolled subscribers."

This content was produced with the assistance of AI translation services.