Comprehensive Reform of Gangnam-gu Citizen Safety Insurance Focused on Substantial Coverage

Reorganization from Specific Injuries to Comprehensive Injury Focus, Establishment of Injury Diagnosis Unit for Practical Support
Support for Violent Crime and Sexual Violence Victims, Payment of Public Transportation Injury Treatment Costs Linked to City-District Insurance

Gangnam-gu (District Mayor Jo Seong-myeong) has significantly improved the coverage items of the Citizen Safety Insurance from this year, focusing on comprehensive injury coverage, so that residents can receive practical compensation even for everyday accidents.

The Citizen Safety Insurance, introduced last year, covered six types of incidents: ▲hit-and-run/uninsured vehicles ▲gas accidents ▲robbery ▲burn surgery expenses ▲dog bite emergency room treatment expenses ▲heat-related illness diagnosis fees.

However, the scope of injuries was limited, leading to insufficient practical benefits in preparation for various recent disaster types.

To address this, the district reviewed the top 20 coverage items by claim frequency out of the 37 items suggested by the Ministry of the Interior and Safety for Citizen Safety Insurance, and completely revamped the coverage items focusing on comprehensive injuries, which had the highest number of claims. The total of eight types includes ▲injury death ▲injury aftereffects ▲injury diagnosis consolation money ▲public transportation injury treatment expenses ▲sexual violence victim compensation ▲violent crime victim compensation ▲burn surgery expenses ▲dog bite emergency room treatment expenses.

In the case of injury accidents, death is covered up to 5 million KRW, and aftereffects up to 5 million KRW. It covers all sudden and accidental incidents that can occur in daily life except traffic accidents, including natural disasters, social disasters, fires, collapses, landslides, drowning, electric shock, falls, crushing, dog bites, industrial accidents, gas accidents, and toxic substance terrorism.

Additionally, compensation for sexual violence injuries (5 million KRW) and violent crime victim compensation (1 million KRW) have been added. Also, to provide practical support for everyday accidents, injury diagnosis consolation money has been newly established. If diagnosed and treated for 4 to 5 weeks or more, 100,000 KRW is compensated, and for 6 weeks or more, 150,000 KRW is compensated.

Moreover, the coverage items are composed so as not to overlap with the 10 types of Citizen Safety Insurance operated by Seoul City, allowing residents to receive various benefits. To this end, among the four grades (recommended, advised, normal, cautious review) of the Ministry of the Interior and Safety’s Citizen Safety Insurance guidelines, the district structured the coverage items at the 'normal' grade or higher to avoid overlapping with the 'recommended' grade insurance subscribed by the city. Considering the characteristics of areas with high floating population and traffic volume, a new item for public transportation injury treatment expenses (up to 1 million KRW) was created. This item is not covered under the city’s Citizen Safety Insurance for 'death and aftereffects during public transportation use,' allowing the city and district insurances to complement each other.

All residents registered in Gangnam-gu are automatically enrolled in the Citizen Safety Insurance. Compensation is provided even if the accident occurs outside Gangnam-gu, and benefits can be received regardless of personal insurance. Claims for accidents occurring during the insurance period can be made within three years. Detailed information about the Citizen Safety Insurance can be found on the district office website, and inquiries can be made to the Disaster Safety Division or the insurance company.

Jo Seong-myeong, Mayor of Gangnam-gu, stated, “We have strengthened the coverage items to help with damage recovery and daily life restoration caused by unexpected accidents,” and added, “We will continue to expand the coverage scope by analyzing various disaster types so that residents can receive practical benefits.”

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