© Reuters. ABL life insurance guarantees diagnosis and nursing expenses for each stage of dementia
ABL Life recently launched “(Not) ABL Dementia Care Insurance,” a specialized dementia insurance that seniors can subscribe to if they do not meet the three criteria relating to the history of dementia.
This product includes, in addition to the main contract and the special contract, the costs for diagnosing dementia according to the mild to severe stages, care costs for moderate to severe dementia, hospitalization costs for caregivers, support for caregiver utilization, home and facility benefits on a long-term care basis and severe Alzheimer’s dementia accompanying dementia and some Parkinson’s and Lou Gehrig diseases.
Specifically, if you sign the special contract, you can receive up to 500,000 won a month for life support for moderate or severe dementia, and after determining the level of long-term care, you can receive a grant of 200,000 to 300,000 won at a time. when using home or facility benefits. If you are admitted for dementia by a caregiver or use the integrated nursing / care service, you will receive an admission fee of 30,000 to 50,000 won per day of admission if you add special treatment.
This product is an “unpaid cancellation refund type”. If you cancel the contract during the premium payment period, you cannot receive a refund for canceling the main contract, but the monthly premium is low. When a 40-year-old man and woman sign up for this product with an amount of 10 million won in the main contract, a 90-year maturity and 20-year payout, the monthly prizes for the main contract are 6,700 won and 5,300 won. , respectively. The age to join ranges from 30 to 75 and the main contract signing limit ranges from 5 million won to 30 million won.
ABL Life provides health services such as health counseling, guidance on the name and booking of treatments, preferential health checks and provision of health information to customers who subscribe to this product, and early dementia care services such as self-diagnosis and early diagnosis of dementia and find dementia care facilities.
When an insured person is diagnosed with dementia, dementia services are also provided depending on the degree of dementia such as liaison with health care professionals, accompanying nurses, vehicle escort, support for relocation between hospitals, support for locating the location and support for maids.
Eun Jae-kyung, head of ABL Life’s product and marketing department, said: “As of 2020, reflecting the reality that one in 10 people aged 65 and over are diagnosed with dementia, even the elderly can adhere and the diagnosis fee for each stage of dementia and care costs accompanying dementia are intensively guaranteed We have developed a product that does
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