◀ Anchor ▶
The insurance industry announced that it will reduce the increase in actual loss insurance premiums next year and lower auto insurance premiums compared to this year.
Reporter Jaemin Ko covered what benefits consumers will see.
◀ Report ▶
Those whose insurance premiums will be reduced next year compared to this year are first-generation actual medical insurance subscribers.
This product was purchased before October 2009 and accounts for approximately 20% of all actual loss insurance subscribers, and the premiums are lowered by an average of 4% compared to this year.
Second-generation subscribers, who account for 47% of the total, will rise by 1%, and third-generation subscribers, who account for 23%, will rise by 18%.
The overall average insurance premium is rising by 1.5%, which is a significantly lower increase compared to the 14% increase last year and nearly 9% this year.
Actual cost insurance companies explained that although the loss ratio, or deficit, increased by 40% in the 3rd generation product, they minimized the increase as a sign of participating in government policy.
[손해보험업계 관계자]
″The 1st and 2nd generation are also in a bad situation with a loss ratio of over 120%, but in the interest of coexistence and fulfilling social responsibility, we should minimize the increase in insurance premiums.″
The non-life insurance industry also announced that it will actively consider lowering automobile insurance premiums next year.
It is expected to be reduced by an average of 2.5% to 3%, and considering that the average annual car insurance premium is 700,000 won, the burden is expected to be reduced by up to 21,000 won.
It is analyzed that pressure from financial authorities had a significant influence on this movement.
Recently, Financial Services Commission Chairman Kim Joo-hyun said, “Policy holders are in a difficult situation due to high interest rates and high inflation,” and said that insurance companies need attention and consideration.
However, in the case of actual loss insurance, the contract renewal cycle varies from 1 to 5 years for each subscriber, so the actual premium rate reflected may vary for each subscriber.
This is Go Jae-min from MBC News.
2023-12-18 21:42:30
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