2024-02-10 09:10:25
As the financial authorities interpreted the financial product recommendation and comparison service of online financial platform services on the 7th as ‘brokerage’ rather than ‘advertising’, confusion is expected to be inevitable, with fintech companies having to terminate or change related services. A financial consumer is looking at recommended insurance products on the Bank Salad app. /Reporter Beomjun Kim Mr. A, a man in his 30s, had life insurance as a savings type. After canceling the contract due to poor interest rates, etc., he received insurance analysis from Bank Salad, which provides insurance analysis services taking into account health data and other factors. He was able to save regarding 100,000 won per month in insurance premiums even though he strengthened his coverage because his health data showed that he had a high risk of prostate cancer.
Bank Salad, a data specialized platform, announced on the 10th that the number of users has increased by more than 50% in just one month since launching the ‘Insurance Diagnosis with the Most Refunds’ service in December last year. This service is a customized insurance analysis service that analyzes personal health information and reduces insurance premiums.
Health checkup data, age, gender, family history, etc. are analyzed using artificial intelligence (AI) to guide users regarding diseases they need to be most careful regarding and diseases they are more likely to get than their peers. It analyzes insurance policies based on data and even recommends nutritional supplements.
The diseases that Bank Salad is analyzing are △Heart disease (blood circulation) △Dementia (brain health) △Stomach cancer (digestive health) △Lung cancer (respiratory health) △Colon cancer (intestinal health) △Liver cancer (liver health) △Diabetes (obesity, blood sugar level) ) There are 13 major items, including △hypertension (blood pressure) △cataracts (eye health) △dyslipidemia (neutral fat, cholesterol) △prostate cancer (men’s health). You can also receive information on the expected number of days of hospitalization and the expected number of days of nursing care when contracting each disease. Through the insurance subscription status linked to My Data, it is possible to check the expected amount of coverage required for actual loss, diagnosis, surgery, and hospitalization, as well as whether the insurance you have is prepared for each item.
Bank Salad is said to be the first service in Korea to analyze insurance payments by disease. A Bank Salad official said, “By analyzing the coverage items for diseases that are actually dangerous to me, rather than insurance designed by someone else, I can strengthen coverage for necessary items or reduce coverage for items that are not necessary.” He added, “By reducing unnecessary premiums and receiving insurance money, I can “We can also expect an increase in the amount of coverage,” he said.
Reporter Cho Mi-hyeon mwise@hankyung.com
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