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담배 안피우고 체중·혈압 정상이면 보험료 할인·환급 |
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<h3 class="tit_view">담배 안피우고 체중·혈압 정상이면 보험료 할인·환급</h3>
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<span class="txt_info">입력 2017.07.03 12:01</span>
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<section dmcf-sid="L5qr1O5gTO"><figure class="figure_frm origin_fig" dmcf-pid="LCUmPHg3pz" dmcf-ptype="figure"><p class="link_figure"><img class="thumb_g" dmcf-mid="L1dBl3BWID" dmcf-mtype="image" height="262" src="http://img3.daumcdn.net/thumb/R658x0.q70/?fname=http://t1.daumcdn.net/news/201707/03/yonhap/20170703120134121ioin.jpg" width="500" /></p></figure><p dmcf-pid="LEhETMAbGQ" dmcf-ptype="general">(서울=연합뉴스) 홍정규 기자 = 금융감독원과 생명보험협회는 기존 보장성보험 가입자가 '건강인 특약'에 가입할 경우 보험료를 할인·환급해준다고 3일 밝혔다.</p><p dmcf-pid="LqEJwS5o98" dmcf-ptype="general">건강인 할인 특약은 비흡연, 정상 혈압, 정상 체중 등에 해당하면 보험료를 최대 20% 깎아주는 것이다. 주로 종신보험이나 정기보험 등 보장성보험에 있다.</p><p dmcf-pid="Lx7s09SYYp" dmcf-ptype="general">그러나 가입 절차가 까다롭다 보니 14개 생·손보사가 판매하는 92개 상품 가운데 특약 가입률은 4%에 불과하다.</p><p dmcf-pid="L4gSmvFzMT" dmcf-ptype="general">금감원과 생보협회는 우선 진단계약의 건강검진을 2회에서 1회로 줄이도록 했다. 흡연 여부, 혈압, BMI 지수의 충족 여부는 보험 가입 신청자가 작성하도록 했다.</p><p dmcf-pid="L35kKacmht" dmcf-ptype="general">특히 기존 상품 가입자도 특약에 가입할 경우 앞으로 낼 보험료를 깎아주는 것은 물론, 기존에 낸 보험료도 재산정해 돌려주도록 했다.</p><p dmcf-pid="LhZF1NDD5n" dmcf-ptype="general">보험사는 상품설명서에서 특약으로 할인되는 총 보험료를 알려주고, 할인 요건과 할인율 등을 비교 공시해야 한다.</p><p dmcf-pid="LVJyS4pmXZ" dmcf-ptype="general">금감원 이창욱 보험감리실장은 "이번 개선안은 이달부터 시행된다"며 "보험사들의 환급 금액이 적절한지 살펴보겠다"고 말했다.</p><figure class="figure_frm origin_fig" dmcf-pid="LMJ03wLxzb" dmcf-ptype="figure"><p class="link_figure"><img class="thumb_g" dmcf-mid="LkjZzB6Hod" dmcf-mtype="image" height="672" src="http://t1.daumcdn.net/news/201707/03/yonhap/20170703120134241avux.gif" width="500" /></p></figure><p dmcf-pid="LT6R1M5BEH" dmcf-ptype="general">zheng@yna.co.kr</p><dl dmcf-pid="L9PSZSn9wR" dmcf-ptype="general"><dt /></dl></section>
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