DB Insurance Secures Exclusive 6-Month Rights to Revolutionary ‘Body Type 3’ Diagnostic Tool, Paving the Way for Personalized Disease Detection
DB Insurance announced on the 24th that it had acquired exclusive 6-month usage rights for its new ‘body type 3 major disease diagnosis fee’ coverage that was added on the 1st of last month.
The New Product Review Committee of the Non-Life Insurance Association highly evaluated the originality and usefulness of the new payment method that sequentially increases insurance benefits when the three major diseases (cancer, cerebrovascular disease, and ischemic heart disease) occur, and granted DB Insurance exclusive use rights for six months, regarding the special terms and conditions for diagnosis of the three major diseases first developed by DB Insurance.
67.7% of DB Insurance customers show a subscription characteristic of signing up for the three major diseases as separate special contracts at the same time. This is because customers cannot know in advance which of the three major diseases they will get, and since the three major diseases are dangerous, they show a behavior of signing up for all of them. DB Insurance newly developed this special contract to increase customer convenience by making the insurance premium cheaper than signing up for cancer, cerebrovascular, and ischemic heart disease special contracts separately and simplifying the claim of insurance money and exemption of payment through integrated coverage.
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The special terms provide coverage until all three major diseases occur. In the case of the general three major disease diagnosis fees sold so far, the special terms were terminated when the first of the three major diseases occurred. However, with this special terms, the premium for the special terms is exempted from payment after the first of the three major diseases occurs, and the remaining risks are also guaranteed without termination. In addition, through the physical condition guarantee for each occurrence of the three major diseases, a larger insurance payment is made when the customer loses income.
A DB Insurance official said, “This special contract provides coverage for three major diseases as one, so the insurance premium is low and the claim for exemption from premium payment is unified, reducing the inconvenience for customers,” adding, “We will continue to actively work on developing various products for our customers.”
Reporter Dong-Hyeon Choi nell@asiae.co.kr
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