He's in an accident. He's treating me like a "Nairong patient"?"You shouldn't call too much because of excessive care."
Jul 25, 2024
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At the time of the accident, neck pain continued due to damage to the flattening, and discomfort in daily life continued due to unpleasant pain from the shoulder to the arm. However, it was classified as a minor patient (grade 12-14), and a medical certificate had to be issued after four weeks, and the same situation was repeated every two weeks. Contact from insurance companies to urge a quick agreement continued.
Last year, the rate of exceeding the limit on liability insurance for auto insurance fell below the five-year average.
According to the Korea Insurance Development Institute, the average number of auto insurance patients who received treatment for exceeding the limit of liability insurance for the past five years from 2019 was 47.4%, but last year, it decreased to 46.4% and the system improvement effect began to appear after the comprehensive auto insurance improvement plan was implemented.
Given that last year's figures were reflected in the last five-year average, the difference is estimated to be even greater. In order to improve the so-called 'Nairong Patient' problem, the government has strengthened the standard for payment of medical expenses for patients with mild symptoms since January last year. The portion of the medical expenses of the current patients corresponding to their own negligence is to be handled by their own insurance or at their own expense, and when the current patients receive treatment for more than four weeks, they are required to submit a medical certificate every two weeks.
Insurance companies often urge agreements when there are signs of prolonged treatment, regardless of the effects of improving the system or the inconvenience of patients. Some patients complain that insurance companies feel like they are treating them as nairons. Automobile insurance is an insurance that even unwanted drivers must purchase. 'I can be a perpetrator or a victim somedayAlthough ' is paid faithfully every year with a heart, if you want to receive oriental medicine treatment for an accident, it is usually woven into 'Nearong Patient Frame'.
In particular, as of last year, the number of auto insurance subscriptions exceeded 25 million, and among them, 1.63 million people received oriental medicine treatment due to traffic accidents, which is only 6% even in simple terms. However, it seems absurd for insurance companies to say that the rise in the loss ratio of auto insurance is due to oriental medicine treatment, as if they are going to collapse right away. In other words, the majority of insurance premiums that have not occurred out of approximately 25 million subscribers are going into the pockets of insurance companies.
While insurance companies are covering the eyes of the people, they also recorded a record net profit of 13.3578 trillion won last year. This is a surge of 4.1783 trillion won (45.5%) compared to the previous year.
Last year, simple auto insurance sales amounted to 21.48 trillion won, up 281 billion won (1.4%) from the previous year (20.767 trillion won). In addition, insurance companies' auto insurance profit and loss last year was 553.9 billion won, up 75.9 billion won from the previous year (478 billion won) (15.9% ↑), maintaining a surplus for three consecutive years since 2021. This has continued to be in the black despite factors that deteriorate the loss ratio, such as lowering auto insurance premiums due to the financial authorities' win-win financial stance, making insurance companies feel that they are showing a double attitude.
In the case of some insurance companies, it is easy to find articles that they paid 47% of their annual salary as incentives while making all-time performances last year despite the economic downturn.
On top of that, the loss ratio of auto insurance is also on the decline. The auto insurance loss ratio, which was 92.9% in 2019, was 85.7% in △2020 △ 81.5% in 2021 △ 81.2% in 2022 △ 80.7% in 2023. As of last year, it received 100 won in insurance premiums and paid 80.7 won as insurance money.
In addition, it is not right to drive the cause of the rise in the loss ratio of auto insurance by insurance companies to an excess of simple oriental medical expenses. For example, the loss ratio of physical security is also affecting the increase in the loss ratio of automobile insurance due to expensive parts due to the increase in imported cars. In fact, according to the Korea Insurance Research Institute, the loss ratio of human collateral fell from 81.8% in 2017 to 78.5% in 2018, but the loss ratio of physical collateral also soared from 69.2% to 79.8%. In addition, the rate of increase or decrease in insurance money per accident by expenditure purpose decreased by 1.2% last year, while physical security increased by 0.9% during the same period.
Above all, the fundamental reason for the recent increase in oriental medical expenses is the impact of the characteristics of the auto insurance system with a wide range of coverage compared to health insurance and the effectiveness of specialized oriental medical treatment practices in musculoskeletal treatment. Health insurance oriental medical treatment has a lower coverage rate than medical school, and unlike medical school, real loss insurance is not applied to non-paying activities. On the other hand, auto insurance also guarantees non-paying treatment in the same way as both medical and oriental medicine, allowing patients to choose medical institutions under equal conditions. In the end, it can be interpreted that patients chose more because oriental medical treatment is more effective.
Some pointed out that the average annual increase in oriental medicine medical expenses has been close to 10% over the past five years, and the increase in medicinal acupuncture and herbal medicine is remarkable because the effectiveness of oriental medicine treatment felt by patients is great. In fact, in the case of back pain, studies have reported that acupuncture treatment improves six times faster than physical therapy. In addition, after analyzing the treatment effect by dividing the patients with traffic accident aftereffects into a herbal treatment group and a control group that was not prescribed herbal medicine, it was found that the traffic accident aftereffects and post-accident stress levels of the herbal treatment group improved significantly compared to the control group. The study was published in the SCI(E)-level journal 'Healthcare'.
In addition, it is argued that only oriental medical expenses do not have detailed screening guidelines, but the cost of non-paying oriental medical treatments such as herbal medicine and herbal medicine has been controlled for a long time, and the screening criteria are gradually becoming more detailed. In April, the Ministry of Land, Infrastructure and Transport's notice created a system for submitting data on conciliation and acupuncture, and oriental medical institutions, unlike medical institutions, are performing heavy data submission obligations. Very specific screening criteria are currently being applied to current patients, such as the number of prescription days and the number of medications administered.
In addition, some people denigrate complex medications and procedures with the expression 'set therapy', but in actual clinical practice, it is a very natural phenomenon to prescribe a combination of drugs and procedures with different efficacy. Usually, it is the same as a cold fat patient who goes to the hospital and receives a combination of injections, IVs, and drugs according to symptoms. According to a recent paper published in the SCI(E)-level journal Frontiers in Pharmacology'Review of Retrospective Charts Using Real world data on the effects of complex Korean medicine in patients with low back pain after a car accident', the combination of Chuna, herbal acupuncture, and herbal medicine' after a car accident is fast to treat and has a high response from patients.
The needs of these patients for oriental medicine treatment are also evident in the 「National Perception Survey on Oriental Medicine after Traffic Accidents」 conducted by Realmeter, a polling agency, in August 2021. In the survey, 91.5% of respondents said they were satisfied with oriental medical services.
An official from the Korea Oriental Hospital Association said, "In the case of oriental medical treatment in health insurance, accessibility is low because the patient's financial burden is high due to low coverage or non-payment of loss insurance." "However, in automobile insurance, many patients who have experienced oriental medical treatment effects have chosen oriental medical institutions because of the same security environment between oriental medical treatment and medical treatment, and related medical expenses are increasing." "Nevertheless, it is not right to combine it with set therapy and mislead it as if oriental medicine hospitals are continuing over-medical treatment," he continued. "Victims who have been in a car accident have the right to receive the best medical treatment for their recovery to their pre-accident state, and should not be infringed on for any reason."," he stressed.
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bellho@sportschosun.com
