DB Insurance announced on the 18th that in commemoration of the 60th anniversary of its foundation, it launched ‘Simple Health Insurance tailored to you’, a simple notification insurance for customers with a medical history, on the 1st, and achieved 20,000 subscriptions and 2 billion won in performance in just 15 days.
Simple notification insurance refers to an insurance product that can be subscribed to by those with a medical history through a simplified medical history question compared to general insurance products. Although premiums are increased as much as the scope of the simplified question, it is a product that can provide insurance services to veterans who are in the blind spot of insurance.
Existing simple notification insurance operates a single type of medical history questionnaire with a single product, such as a doctor’s opinion within 3 months, hospitalization or surgery within 2 years, diagnosis and treatment of serious diseases within 5 years, etc. However, in this new product, there are five simple notices: ▲3·1·5 Simple Notice ▲3·2·5 Simple Notice ▲3·3·5 Simple Notice ▲3·4·5 Simple Notice ▲3·5·5 Simple Notice By operating the notification types simultaneously, it provides customized insurance services to customers at reasonable premiums.
In addition, a system has been added that allows users to switch between the simple notification types according to their health status. For example, even a customer who has signed up for the existing 3·1·5 simple notification type can switch to the 3·2·5 simple notification type, which is cheaper than the 3·1·5 simple notification type, if the accident-free status continues for one year after the contract is signed. opportunity is provided. Depending on the customer’s health condition, up to 3, 5, and 5 simple notification types can be switched continuously, and each step of the conversion guide is provided to increase customer convenience.
Even if the insurance premium is changed to a lower premium through the accident-free conversion system, you can receive the same guarantee as when the initial contract is signed, and it is a product that fits the needs of consumers in that it does not apply any new exemptions or reductions.
In addition to the new insurance content, a wide range of subscriptions are available from the age of 15 to 90, and if the five major reasons for exemption apply, there is also a premium payment exemption plan that exempts you from paying future premiums until the payment period. The overall product structure consists of 10, 20 and 30 year maturity renewal type, 90 and 100 year old maturity type, cancellation refund payment type and non-payment type so that customers can purchase the insurance products they want according to their needs.
An official from DB Insurance said, “We have the best competitiveness in the industry with a customized product that subdivides patients on a yearly basis, offers premiums tailored to them, and lowers insurance premiums according to the customer’s medical history even after subscription.” We expect it to live up to great expectations,” he said.
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