METHOD FOR EASILY CONVERTING POST OFFICE MEDICAL EXPENSE INSURANCE AND POST OFFICE

1. post office medical expense insurance

Nice to meet you all.The post office medical expenses insurance can be divided into one household, two households, three households, and four households.◈ Generation 1: Actual cost insurance purchased before September 30, 2009.◈ 2nd generation: Actual cost insurance purchased between October 2009 and March 31, 2017.◈ 3rd generation: Actual cost insurance purchased from April 1, 2017 to July 2021.◈ 4th Generation: Actual cost insurance that has been subscribed since July 2021 can be seen as 4th generation actual cost (loss).I prepared today’s contents because I thought there would be people who are preparing various things to sign up for medical expenses insurance at the post office.We will have time to compare the three major diagnostic costs of medical expenses insurance at the post office and check all 4th generation medical expenses.

2. 4th Generation Actual Cost Insurance

Now, loss insurance is a reorganized insurance product for the 4th generation, and you can only subscribe to actual cost insurance in a single form, not in a comprehensive configuration as before.In the case of medical expenses guaranteed by loss, the diagnostic cost items are subject to change in terms of conditions and compensation, so please check them in advance.The 4th generation loss insurance was reorganized and released on July 01, 2021.When I looked at the example plan of loss insurance, the coverage items and coverage limit were set the same regardless of the insurance company. The part that changes is the monthly premium.You can get a partial deduction for the amount of treatment you receive for illness and injury and get a refund on all remaining amounts.Insurance companies cannot increase profitability with loss (actual cost) insurance alone, so you can refer to it as they may request a subscription with other insurance products and proceed with the acquisition.

3. Post Office Medical Cost Insurance Plan

I will also tell you about the medical expense insurance plan of the post office.If you compare the amount first, it can be distinguished by gender and age.◈ Based on the first grade of injury, the product consists of a one-year payment for single medical loss at the age of 40 years, a one-year maturity, and a five-year contract, and the monthly premium to be paid was set at 15,130 won.Compared to the actual cost insurance of other insurance companies, we found that there were better products if we calculated the more cost-effective parts that were carried out immediately at the post office.In order to sign up for medical expenses insurance at the post office, there is a hassle of visiting the nearby branch, so please help us prepare and decide before signing up. 4. non-insurance rate for post office medical expenses

See also the non-payment rate.It means that you don’t pay as you can see from the name, and it’s about not paying insurance money.In one article, you can see that the non-payment rate is eight times higher than that of other private insurance companies.The reason why I subscribe to actual cost insurance is because I want to reduce the financial burden by receiving insurance money, but considering that, it is difficult to actively recommend it.

5. 4th generation loss medical insurance, amount of money

Medical use may also be discounted or added depending on how many non-paid items you use.In other words, the more medical treatments you receive, the higher your insurance premium will be, and on the contrary, you will get a discount if it is less.If you look at the payment rate, you will be paid 80% of your salary and 70% of your non-salary.The limit is 50 million won, and if you charge the entire amount, the limit will be created again after 90 days of immunity.Hospital expenses were 200,000 won per day, including prescription costs, down 100,000 won compared to third-generation loss insurance.Self-payments are divided into salaries and non-payments, with 20% of medical expenses, 20,000 won for senior hospitals, and 10,000 won for neighborhood clinics, while non-payments will be deducted from medical expenses by 30% and 30,000 won. three major non-salary items

◈ MRI/MRA is limited to 3 million won per year, and there is no limit on the number of times.◈ The annual limit of 3.5 million won is 50 times for frequency treatment, extracorporeal shock waves, and proliferation treatment.◈ In the case of non-paid injection treatment, the limit of 2.5 million won is 50 times a year.The personal contribution for the three major non-salary items will be deducted from 30% and 30,000 won. 6. Post Office Comprehensive Plan Comparative Analysis

Based on 20-year payment deadline/non-renewable maturity insurance products ◈ 148,000 won for men aged 30 ◈ 105,720 won for women aged 30 and 3 million won for similar cancers and 2 million won for cerebrovascular and ischemic hearts.In the case of cerebral hemorrhage or myocardial infarction, which is not highly likely to develop, 30 million won is included in the subscription amount, but it can be interpreted as meaning that there will be no large payment for the high compensation probability. 7. ● Three major diagnostic costs compared to other insurance companies

When cancer, brain, and heart disease are called the three major diagnostic costs.If you compare the three major diagnostic cost items, you can see a 2.5 times lower premium in addition to a high guarantee amount.I looked at the comparative analysis of medical expenses insurance and three major diagnostic costs at the post office.If you need to design insurance products that suit your situation, I recommend you to use the insurance comparison site.Thank you for reading this long article.When cancer, brain, and heart disease are called the three major diagnostic costs.If you compare the three major diagnostic cost items, you can see a 2.5 times lower premium in addition to a high guarantee amount.I looked at the comparative analysis of medical expenses insurance and three major diagnostic costs at the post office.If you need to design insurance products that suit your situation, I recommend you to use the insurance comparison site.Thank you for reading this long article.Previous Image Next ImagePrevious Image Next ImagePrevious Image Next Image