[경제]”If you don’t count your past illness, you won’t be able to get insurance money.”

[앵커]

Increasingly, insurance companies are refusing to pay your insurance benefits because they do not inform them of past illnesses when they buy insurance.

The Consumer Affairs Agency advises that even if it is a minor, it is necessary to provide detailed information in the application form for any illness that you have suffered in the past or are currently suffering from.

Reporter Cha Yoo-jeong reports.

[기자]

These are advertisements for cancer insurance on television.

If you go to the second half of the ad, you will find some precautions when signing a contract.

One of them is that you must inform your insurance company of the “details of your illness” before signing the contract.

However, there is a steady increase in cases of disputes over insurance payments due to the fact that medical treatment or disease status is not reported when purchasing insurance.

The Office of Consumer Affairs and Consumer Affairs collected claims for related damages received during the last three years and six months, and the total number of claims was 195, showing an increasing trend every year.

Denied insurance payments for non-compliance with the notification obligation averaged 24.8 million won per case, and in some cases 300 million won were not received.

More than half of them were unintentionally unable to inform them because they did not remember the details of their treatment or the underwriting questionnaire was unclear, and there were not a few cases in which the insurance planner recommended that they not have to inform them.

[한 모 씨 / 보험금 분쟁 당사자 : 진찰받기 위해 검사받은 건 굳이 알릴 필요가 없다고 (청약서에) 나와 있어서 (알리지 않았고) 굳이 위반한 사실이 없는데도 불구하고 보험을 강제 해약 당했던 거죠.]

However, to avoid insurance payment disputes in the future, it is the consumer’s request to inform the insurance company even if it is a light medical treatment.

The corresponding law establishes that the insurance company can terminate the contract if the information to be notified is not reported and, in principle, there is no responsibility for the payment of the insurance money.

[엄기민 / 한국소비자원 금융보험팀 과장 : 고지 의무는 법에 정해진 보험 계약자의 의무기 때문에 본인이 모르는 상태에서 불이행하더라도 실제로 보험금을 받기가 쉽지 않습니다.]

The Consumer Affairs Agency not only informs the insurance agent about past and present illnesses, but also instructs him to write in detail on the underwriting form.

It was emphasized that simple screening insurance, which is mainly for older people, should also be informed in detail about whether they are sick or not.

YTN Cha Yoo-jeong[[email protected]]is.

[저작권자(c) YTN & YTN plus 무단전재 및 재배포 금지]