Heungkuk Fire & Marine Insurance has introduced the industry’s first ‘Da Heung Cancer Insurance,’ which covers diagnosis fees for all parts of the body regardless of the type of cancer. They have also obtained exclusive use rights for this product. The Non-Life Insurance Association’s New Product Review Committee granted Heungkuk Fire & Marine Insurance the exclusive sales rights for a period of 6 months, during which other insurance companies cannot sell similar products. This new insurance product, called the ‘New Comprehensive Special Contract for Cancer Diagnosis,’ covers the diagnosis fee for each part of the body, whether it is primary or metastatic cancer. Unlike current cancer insurance, which ends coverage when the first cancer is diagnosed, this new product provides coverage even if the cancer metastasizes to other organs. The coverage is divided into six groups, and no additional collateral is required. KDB Life Insurance has launched ‘Dementia Support Insurance (Free)’ to provide comprehensive coverage for dementia patients. The insurance covers the entire process from dementia diagnosis to treatment support and includes benefits such as dementia screening tests, coverage for disability caused by dementia, and coverage for psychotherapy treatment expenses. Hana Bank has introduced a ‘monthly payment bond fund’ to ensure a stable retirement life for pension customers. This fund matches the cash flow of equity-linked monthly paying derivative bonds with the fund’s cash flow and pays out a distribution of 4% annually on the 21st of each month. The principal is repaid at maturity, and the product is backed by an AA level securities company, ensuring stability. KB Kookmin Bank is organizing an event for first-time registered customers of KB Star Club, a membership program that provides preferential benefits to customers based on their transaction performance with KB Financial Group’s affiliates. The event offers various prizes, including Starbucks gift certificates, Shinsegae E-Mart gift certificates, LG Standby Me Go devices, Galaxy Z Flip smartphones, and Bodyfriend Regnum Massage Chairs. Lastly, Woori Bank is holding a friend recommendation event for ‘Our Tintin,’ a prepaid electronic payment service for young people. Customers who invite and register their friends for this service have a chance to win prizes such as iPhones, Apple Watches, and iPods.
[딜사이트 박안나 기자] Heungkuk Fire & Marine Insurance launched the industry’s first ‘Da Heung Cancer Insurance’ which pays diagnosis fees for all parts of the body regardless of the primary cancer or metastatic cancer. This product’s ‘new integrated diagnostic fee special contract’ also managed to get exclusive use rights, the exclusive sales rights for insurance products, on September 8.
Exclusive use rights are exclusive sales rights granted by the New Product Review Committee of the Non-Life Insurance Association after evaluating the originality, utility and inventiveness of insurance products. The exclusive right of use granted to Heungkuk Fire & Marine Insurance lasts for 6 months, and other insurance companies cannot sell similar products during the licensing period.
The ‘New Comprehensive Special Contract for Cancer Diagnosis’ covers the new integrated cancer diagnosis fee for a total of 6 times, once for the first time, by dividing it into 6 groups for each part of the body, whether it is primary cancer or metastatic cancer. , without registering for additional collateral.
Current cancer insurance is structured so that the collateral ends along with the insurance when the first cancer (primary cancer) is diagnosed. If the cancer metastasizes to other organs, it cannot be covered, and in the case of metastatic cancer, it is classified and covered based on the site of the primary cancer. As a result, the effectiveness of coverage is low, and many disputes arise as a result. Additionally, the integrated cancer diagnosis fee only covers primary cancer per body group, and the metastatic cancer coverage is only compensable if you also subscribe.
An official from Heungkuk Fire & Marine Insurance said, “Cancer insurance with all Heung Good is an innovative product that removes the coverage that was limited compared to the high incidence and severity of metastatic cancer,” and added, “We will continue to provide insurance services that meet customer needs with new compensation standards in the future.” .
◆ KDB Life Insurance launches ‘(braceless dementia insurance)’
KDB Life Insurance has launched ‘Dementia Support Insurance (Free)’, which focuses on step-by-step coverage (when registering for the corresponding special contract) according to the whole process from dementia diagnosis to treatment support.
‘KDB Life Insurance Dementia Coverage (Non-Contract)’ is a rapidly increasing number of dementia patients due to the rapid aging of the population in recent times, and as the resulting cost burden continues to increase, a new collateral that is faithful to the original function of insurance dementia is provided by actively reflecting the needs of consumers. The greatest feature is that it has been developed.
A new parallel includes ▲ coverage ‘Benefit dementia screening test’ (the same coverage regardless of dementia development status, encouraging preventive and active treatment of the early stages of dementia) ▲ ‘dementia disease disability’ coverage (when disease disability determines more than 80% due). to dementia) Insurance payment) ▲ Coverage ‘salary psychotherapy treatment expenses’ (the insurance for counseling treatment expenses provides not only physical attention but also psychological and mental treatment).
When a child enters into a contract designating his parents (including the spouse’s parents) as the insured, or when a married couple enters into two contracts each as the insured, a 5% discount is provided on the premium and was paid However, the first insurance premium is excluded from the discount.
The main contract for this new product is divided into ▲Standard type, ▲Cancellation refund refund type Ⅲ, and ▲Partial surrender refund type (50%). For III non-waiver refund, if the contract is terminated during the insurance premium payment period, there is no waived refund. If the subscription is canceled after the premium payment period has ended, you can sign up for a lower premium than the standard type in exchange for receiving a cancellation refund less than the standard type.
An official from KDB Life Insurance said, “Dementia is a disease that not only elderly parents but also the entire family must prepare for in advance,” adding, “Since the dementia care insurance (not is supportive) is a product that actively reflects the real needs and opinions of insurance users, it is a disease that can be used to protect your loved ones and their loved ones.” “It will be a vital option for stable old age,” he said.
◆ Hana Bank launches ‘monthly payment bond fund’ retirement pension
Hana Bank (CEO Seung-yeol Lee) announced that it is launching a ‘monthly payment bond fund’ to ensure a stable retirement life for retired pension customers.
The ‘monthly paying bond fund’, launched by Hana Bank for the first time in the banking industry, matches the cash flow of equity-linked monthly paying derivative bonds (ELB) with the cash flow of the fund and pays distribution annual of 4. % on the 21st of each month The entire principal paid is repaid at maturity, and an AA level securities company with good credit rating incorporates an ELB that guarantees the principal and interest, making the product very stable.
With a higher rate of return compared to term deposits in commercial banks, it can provide a stable base for retirement life for retirement pension draw customers living on pension income, and for retirement pension savings customers, the rate of return can on retirement pension be increased by reinvesting fixed income generated every month There is an advantage of being able to increase it.
This ‘Monthly Payment Bond Fund’ will be raised from the 11th to the 19th and established on the 20th, with a maturity of one year. The minimum subscription is 1 million won, and you can register through Hana Bank branches nationwide and through the flagship mobile app ‘Hana One Q.’
Cho Young-sun, head of Hana Bank’s Pension Business Division, said, “As we enter a highly aging society and the number of pensioners increases, we will continue to discover differentiated products that are stable and profitably by reflecting various views of retirement. pension customers.”
◆ KB Kookmin Bank is holding an event for first-time registered customers of KB Star Club
KB Kookmin Bank (CEO Lee Jae-geun) is targeting customers who register for KB Star Club for the first time by the 2nd of next month with the message, ‘Fall! ‘Best friends with KB Star Club!’ It was announced that an event would be held.
The ‘KB Star Club’ system, first introduced in 2010, is KB Financial Group’s individual customer membership program that provides preferential benefits tailored according to the grade calculated by adding up the transaction performance of KB Financial’s main affiliates and customers ( individuals and sole proprietorship) together. .am. Last July, it was completely reorganized for the first time in 13 years, including expanding the affiliates subject to performance accounting and subdividing customer ratings so that more customers can enjoy favorable benefits.
This event is open to individual customers aged 14 or over who registered for the KB Star Club service for the first time. Among customers who registered for the KB Star Club service and applied for the event, ▲ 2,000 people will receive a Starbucks Americano mobile gift certificate ▲ 100 people will receive 3 10,000 Shinsegae E-Mart gift certificates ▲ 2 people will will receive an LG Standby Me Go ▲ 2 people will receive a Galaxy Z Flip 5 256GB ▲Bodyfriend Regnum Oat Beige provided to one person.
The winning prizes will be paid after being announced by KB Star Banking on the 13th of the next month, and details of the event can be found on the KB Kookmin Bank or KB Star Banking website.
◆ Become a friend of ‘Our Tintin’ and receive an iPhone, Apple Watch, or iPod
Woori Bank announced that it will be holding a joint ‘Our Teen Teen’ friend recommendation event for a month until October 13th in collaboration with BC Card. At this event, the latest iPhone, Apple Watch, and iPod will be given away as prizes to customers who invite and register for the service.
The ‘Our Tintin’ service is a prepaid electronic payment service that allows young people between the ages of 14 and 18 to easily use various payment, financial and transport card services by verifying their mobile phone identity even without an account. When registering, you can simply register payment services such as BC Paybook Payment can be made without the actual card.
This event offers differentiated rewards to customers who have introduced the ‘Our Tintin’ and BC Paybook Easy Payment service to their friends and registered, in order of those who recommended the most friends. ▲ 1st place iPhone, Apple Watch, AirPods, ▲ 2nd place iPhone, Apple Watch, ▲ 3rd place iPhone, AirPods, ▲ 4th to 10th place iPhone, ▲ 11th to 20th place Apple Watch. Apple Watches will be given away to 10 people by drawing for customers who didn’t make the top 20 but recommended 10 or more friends. In addition, 15 customers who received recommendations and registered during the period will be selected by drawing and given an Apple Watch.
You can register for the ‘Our Tintin’ service as soon as you register in Woori WON Banking, and detailed information about the event is available on the Woori WON Banking webpages and mobile events.
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