From next year, high medical costs for patients with minor road accidents, according to ‘blame rate’
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[인포스탁데일리=임유진 기자] In the future, if the medical costs of a patient with minor injuries in a motor vehicle accident exceed the level covered by compulsory insurance, the excess medical costs will be incurred in proportion to the individual’s fault.
On the 26th, the Financial Supervision Service announced that the “revised auto insurance standard terms and conditions”, including these contents, will be applied from January 1 next year.
The contents of the new terms and conditions will apply starting from the car insurance contract, in which liability starts from 1 January next year, and it was decided to introduce the principle of negligent liability for medical expenses in ‘Personal compensation II’ for minor patients.
Therefore, out of the cost of “Personal Indemnity II” for minor injuries, the proportionate portion of the person’s negligence will be paid by your insurance (personal injury or special contract for motor vehicle damage) or at your own expense.
Personal compensation II covers damages that go beyond the scope of the compulsory insurance compensation (personal compensation I) when someone is injured in a road accident.
Meanwhile, it has been pointed out that in the event of a traffic accident, the other party’s insurance company can pay the full cost of treatment regardless of the degree of negligence (excluding 100% negligence), which causes excessive treatment.
The compensation limit for compulsory minor injury insurance (Personal Compensation I) is 1.2 million won for grade 12 (spine sprains, etc.), 800,000 won for grade 13 (chest contusion, etc. .) and 500,000 won for grade 14 (simple contusion of arms and legs).
Starting from the new year, if you suffer minor injuries in a traffic accident, the treatment costs exceeding 500,000 won to 1.2 million won will not be fully compensated by the other party’s insurance company, and you will have to pay the amount of your fault.
In the future, a medical certificate from a medical institution will be mandatory for patients with minor injuries to receive long-term care. You can receive treatment without a medical certificate for up to 4 weeks, but if it exceeds 4 weeks, the insurance money will be paid according to the treatment period indicated on the medical certificate. The criteria for the payment of hospitalization fees for rooms in the tertiary ward are also changed.
If a patient who is the victim of a road accident is inevitably hospitalized in a tertiary ward due to the conditions of a hospital ward, the third ward rate is recognized only in health structures superior to the hospital one, clinics excluded. The intention is to prevent abuse of existing terms and conditions, such as only installing advanced hospital rooms in some clinics.
The criteria for calculating the rental fees (rental costs) payable by insurance companies in the event of a road accident are rationalized reflecting the expansion of the offer of ecological vehicles.
Vehicles with downsized engines or hybrid vehicles are unlikely to properly reflect vehicle performance when considering engine displacement only, therefore the criteria for recognition of replacement costs have been clarified to consider vehicle size.
In case of minor damages such as scratches and dents, it was decided to apply the replacement repair using quality certified parts. Compensation for towing costs in material damage. to eliminate the potential for conflict.
The new standard terms and conditions apply to motor insurance contracts for which liability starts on 1 January of the following year. The Financial Supervision Service said: ‘We expect streamlining the compensation system for patients with minor injuries to reduce overtreatment and ease the burden of motor insurance premiums for individuals.’
Reporter Yujin Lim [email protected]
