Samsung Fire & Marine Insurance Launches 'Direct Health Management Insurance' with Discounts for Healthier Customers

[Asia Economy Reporter Changhwan Lee] Samsung Fire & Marine Insurance announced on the 12th that it has launched the 'Direct Health Management Insurance,' which offers premium discounts the healthier you are, through its direct website.

This product is a health insurance policy that covers accidental death, diagnosis fees for the three major diseases related to cancer/brain/heart, various surgery costs, and daily hospitalization allowances. It is available for subscription from ages 19 to 70 and provides coverage up to age 100.

The Direct Health Management Insurance features premium discounts based on health grades. The health grade is calculated by the difference between actual age and health age. If the health age is one year younger than the actual age, a 5% discount is applied, and if it is five years or more younger, a maximum discount of 15% is possible.

The health grade assessment is conducted four times in total, including at the time of subscription. After subscribing, the health grade is assessed every three years, and the discount rate of the last calculated health grade is applied until the end of the insurance period. If the health grade changes, the discount rate of the changed grade is applied. If you become healthier than before, you can receive more premium discounts.

The health grade is assessed through the 'Chak!han Health Management' service. This service allows you to manage your health and accumulate points and was launched last month through the 'Samsung Fire & Marine Insurance Direct Chak' app. By analyzing health data, you can check the risk of diseases and your health age, and based on the analysis results, you can earn up to 1,500 Any Points per month.

The accumulated points can be used to purchase goods and services at the Samsung Fire & Marine Insurance Any Point Mall. They can also be used to pay premiums for personal automobile insurance, travel insurance, and long-term protection insurance on the Samsung Fire & Marine Insurance website and mobile app. One point is equivalent to one Korean won, and the validity period is three years.

A representative from Samsung Fire & Marine Insurance Direct Chak stated, "We prepared this product reflecting consumer opinions hoping it will be a practical help to customers as a customized product that fits them well." They added, "We will continue to introduce 'Chak' products and services that can be loved by many customers."

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