SEOUL, Aug. 19, 2025 — Health insurance premiums can now be tailored to your well-being. A new policy launched Aug. 19 allows policyholders to potentially lower their costs based on their health. This innovative approach aims to reward healthier lifestyles.
Health Insurance Offers Premium Discounts Based on Health Status
A new health insurance product offers the potential for lower premiums by rewarding customers who are confident in their health, marking a significant shift in personalized coverage.
- Offers potentially lower premiums for healthier individuals.
- Covers the latest medical advancements, including liver and uterine treatments.
- Broadens coverage to include everyday ailments and preventative care for major diseases.
- Provides flexible enrollment and coverage periods.
The new ‘KB 5.10.5 Good Plus Health Insurance‘ policy, introduced on Aug. 19, provides a wider range of coverage at a lower premium compared to existing products, especially for those who can demonstrate good health.
This product pioneers coverage for treatments utilizing the latest medical technology, including liver and uterine treatments, a first in the life insurance sector. It aims to make advanced medical care more accessible.
The policy’s benefits extend beyond serious illnesses. Coverage has been expanded from chronic conditions like high blood pressure, diabetes, and herpes to include common issues such as fractures, flu, and urinary tract stones. It also offers treatment for conditions like hyperlipidemia and arrhythmia, which are key in preventing severe diseases like strokes and heart attacks.
Furthermore, policyholders can benefit from premium exemptions. Premiums are waived upon diagnosis of three major diseases: cancer, cerebrovascular diseases, and ischemic heart disease. Enrollment is open to individuals aged 15 to 80, with coverage options extending to ages 90 and 100. The payment period can be customized up to 30 years, allowing for flexible financial planning.
An official from the company stated, “It is a practical product that can design guarantee according to health conditions and financial conditions.” They added, “We will continue to support our customers’ happy lives through innovative insurance.”
