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[이데일리 전선형 기자] According to the Korea Insurance Research Institute, the insurance coverage rate per household in Korea reached 98.4%, and the individual insurance coverage rate reached 97%. It is said that 9 out of 10 people have any insurance at all.
However, most people do not know that insurance premiums can be discounted when purchasing insurance. The healthier the person and the more transactions with insurance companies, the more discounts exist in various ways, but they are often overlooked. Although planners take care of them, these days, there are many individual subscriptions through non-face-to-face, so if you don’t want to lose money, you should carefully look at each insurance company’s discount system.
Insurance premiums are priced by predicting the risks that may arise in the future. The healthier the customer, the lower the mortality or disease incidence, so it is a normal insurance principle for healthy customers to receive less premiums.
Insurance companies determine that people who take good care of their health will be healthier in the future, and discount premiums to those who meet certain criteria. The health body discount (special contract) system is a typical example, and if you use it well, you can save a lot of insurance premiums.
The health body discount system is a kind of preferential health insurance that is mainly applied to protection-type insurance that pays death insurance, such as life insurance, CI insurance, and term insurance. A ‘healthy body (good body)’ refers to a group with better health and life expectancy than a general ‘standard body’.
Each insurance company has different standards, but in general, insurers over 20 years of age who have not smoked for more than 1 year, have high blood pressure, and have a body mass index (BMI) that meet the criteria set by the company can receive a discount for a healthy body. Here, BMI is an index that measures the degree of obesity, and refers to the value obtained by dividing the weight (kg) by the square of the height (m).
If the body is found to be healthy through a medical examination, the insurance company will discount the premium by applying a lower risk rate compared to the standard body. The premium discount varies depending on the age and gender of the customer, but is usually in the range of 1-10%. In particular, if the customer is male, the discount rate is high. Customers can submit a medical certificate after going through simple screening procedures such as basic diagnosis and smoking test. It is also possible to submit a substitute diagnosis or use a visit diagnosis (paramedic company).
The discount benefits for healthy body are available not only for new customers but also for those who have already signed up. Even if you did not receive a discount because you were smoking at the time of signing up for insurance, you can enjoy a discount on the premium you have to pay in the future if the conditions for the discount for a healthy body are met.
Conversely, if you smoke after being recognized as a healthy body, you will no longer receive a discount and will have to pay the normal insurance premium. This is because insurance premiums are set on the assumption that you will continue to be healthy.
As such, the most important criterion for determining a healthy body is whether an insurance company is a non-smoker. Depending on the insurance product, there is a ‘non-smoker discount special offer’ that offers discounts on premiums to non-smokers in addition to the health discount special offer, so check it out before signing up.
When customers quit smoking, they can enjoy the effect of ‘one stone, two birds’, which improves health and saves insurance premiums. From an insurance company’s point of view, it is effective because it can secure many healthy customers and lower the probability of payment of insurance claims.
In addition, insurance companies are operating various insurance premium discount systems for customers, such as large contract discounts and group discounts. Large contract discounts are usually applied to protection-type insurance such as whole life insurance and CI insurance. The larger the subscription amount, the higher the discount rate is applied. The discount rate varies depending on the product and the amount purchased, but you can get a 2.5~3.5% discount if the insurance amount is 100 million won or more.
If you subscribed to group insurance with colleagues from the same company or workplace, you can receive a group discount. If a company is a member of a collective agreement and there are 5 or more contractors, the premium is generally discounted by 1.0~1.5%. In the case of children’s insurance, if you have two or more children, even if only one child is enrolled, the premium is discounted by 1% through the multi-child discount.
Discounts are a type of additional service, and the scope and availability of discounts vary depending on the insurance company, product, and subscription amount. Therefore, it is advisable to consult with an expert before purchasing an insurance product to find out what discounts you can get.
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