DB Insurance Secures Exclusive Rights for Three New Coverages Including "In-Kind Benefits for Chronic Disease Diagnosis"

DB Insurance announced on November 26 that it has obtained exclusive usage rights for three new coverage options, including in-kind benefits for chronic disease diagnosis.

The General Insurance Association of Korea’s New Product Review Committee granted exclusive usage rights for six months to the “three types of in-kind benefits for chronic disease diagnosis” and the “three types of mild chronic disease drug treatment coverage (five-year payment type),” and for nine months to the “overseas heavy ion therapy payment agency service.” As a result, other insurance companies are restricted from developing or selling similar coverage during these periods.

The new “three types of in-kind benefits for chronic disease diagnosis” coverage provides a ring-type blood pressure monitor (CART BP) and an electronic blood pressure monitor to customers diagnosed with hypertension, a home-use InBody (dial type) to those diagnosed with dyslipidemia, and a continuous glucose monitor to those diagnosed with diabetes. It also offers care calls from medical professionals for mild chronic diseases and helps manage key indicators such as blood pressure, body composition, and blood sugar.

The new “three types of mild chronic disease drug treatment coverage (five-year payment type)” pays the insured amount once a year, for up to five years, if after the coverage start date, hypertension, dyslipidemia, or diabetes is definitively diagnosed at a mild level, and annual drug treatment is maintained with health indicators remaining in the mild range.

This structure is an incentive-based health management coverage that encourages customers to manage their own health indicators. If drug treatment is discontinued or the condition worsens to a moderate level, coverage is limited, thereby promoting continuity of treatment.

The overseas heavy ion therapy payment agency service operates by allowing customers to transfer their insurance claim rights for cancer heavy ion radiation therapy coverage to a concierge company, which then pays the corresponding amount in advance to a Japanese medical institution.

A representative from DB Insurance stated, “These new coverage options are expected to contribute to customers’ health management by naturally encouraging continuous treatment and maintenance of healthy lifestyle habits, which are key to managing chronic diseases. While expectations for the effectiveness of heavy ion therapy are high, the cost barrier is significant. This new service is anticipated to provide practical assistance by improving access to treatment and alleviating the burden of high medical expenses for customers.”