책임보험만 가입한 기초수급자...'한의원 108번 병원비' 물어낼 판 / YTN

[Anchor] We at YTN investigated the unfortunate situation of a basic livelihood security recipient who was involved in a motorcycle accident and had to pay millions of won in insurance claims from his insurance company. The driver of the injured vehicle, diagnosed with a two-week recovery period, visited a Korean medicine clinic 108 times over a year and eight months, accumulating outpatient treatment costs and settlements. The only reason for the damage was that he only had motorcycle liability insurance. This report comes from reporter Y, Kim Min-seong. [Reporter] A delivery motorcycle can be seen in the distance in the third lane. After entering the second lane, it immediately entered the first lane and collided with a passenger car. The negligence ratio was 2:8, and the driver of the passenger car, who was recognized as the victim, was diagnosed with a spinal sprain requiring two weeks of recovery and was hospitalized. Except for one visit to a Western medicine clinic, he received 108 outpatient treatments at Korean medicine clinics alone. Over the past year and eight months, the hospital bills paid at the Oriental Medicine Clinic have exceeded 6 million won. This ongoing outpatient treatment was finally settled after a settlement of 1.2 million won was paid. Of the total medical expenses, approximately 4.6 million won was claimed from the motorcycle driver, who is currently receiving basic livelihood security benefits. The passenger car driver's insurance company filed the claim, but the motorcycle driver only had liability insurance with a low coverage limit, rather than comprehensive insurance. Because motorcycle insurance premiums are typically higher than those for cars due to the risk of accidents, many "subsistence drivers" do not purchase comprehensive insurance. The insurance company threatened, "If you don't pay the money quickly, we will file a complaint with the Dispute Settlement Committee or file a lawsuit." [Motorcyclist's family member: My brother is receiving basic livelihood security benefits. If we can't reduce the amount, we can at least increase the number of installments from the (current) three. "That's not possible," they said. [I asked if there was any other way, and they said, 'There is no other way.'] [Insurance company official: Our employees are the type to first suggest, 'If it's a bit difficult, please pay in installments.' We don't do that just because we say we can't pay in installments or a lump sum.] However, this insurance company filed a lawsuit for approximately 27 million won against a 12-year-old elementary school student orphaned in a 2020 accident. However, it faced public criticism and withdrew the lawsuit. This prompted the Financial Services Commission and the Financial Supervisory Service to strengthen internal controls to ensure that insurance companies review the appropriateness of claims against economically vulnerable individuals before filing them. Regarding this claim, the insurance company claimed, "We were not told that the person was a recipient of basic livelihood security benefits, and since it was personal information, the insurance company could not have known about it first." Regarding the warning letter sent to the motorcyclist, the company explained, "The employee in charge mistakenly sent the form normally sent to the other insurance company to the individual." He added, "Hospital treatment is a customer's right, so the insurance company cannot regulate the method or frequency of treatment." However, when the investigation began, the insurance company stated, "We have not yet filed a lawsuit," and added, "We will interview the parties involved and review this matter with the company's Consumer Rights Protection Committee." This is Kim Min-seong, YTN. YTN Kim Min-seong ([email protected]) ※ 'Your tip becomes news' [KakaoTalk] Search for YTN and add the channel [Phone] 02-398-8585 [Email] [email protected] ▶ Original article: https://www.ytn.co.kr/_ln/0115_202404... ▶ Report: https://mj.ytn.co.kr/mj/mj_write.php ▣ Subscribe to YTN YouTube: http://goo.gl/Ytb5SZ ⓒ YTN. Unauthorized reproduction, redistribution, and use of AI data are prohibited.