Severe cuts do not qualify for surgery insurance benefits.

No payment of hospitalization insurance benefits unless for treatment purposes
Insurance benefits for cerebral hemorrhage diagnosis must have medical records as evidence, ‘The Financial Supervisory Service has urged consumers to carefully confirm what risks are covered by the terms and conditions and to subscribe to insurance products.’,
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, ‘On the 23rd, the FSS stated, “Consumers need to be cautious as insurance benefits are paid based on the standards set in the terms and conditions, regardless of the rider’s name.”‘,
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[Photo=Financial Supervisory Service],
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, ‘Insurance companies pay benefits when surgery is performed according to the methods specified in the terms and conditions.’,
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, ‘For example, Mr. A did not receive insurance benefits after undergoing a simple wound closure procedure (excluding incidental excision) for head injuries caused by a falling tree and claiming for benefits, because the terms define surgery as incision or excision of the body. Simple wound closure and similar medical procedures are not eligible for compensation.’,
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, ‘Insurance companies pay hospitalization insurance benefits within the daily limit when a patient is hospitalized for treatment purposes.’,
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, ‘Mr. B was denied insurance benefits for daily hospitalization after undergoing postoperative care in a nursing hospital following cancer surgery (such as alleviating sequelae) because he was not directly hospitalized for the purpose of treating the disease or its effects.’,
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, ‘Insurance companies pay diagnostic expenses benefits according to the methods specified in the terms and conditions after receiving a confirmed diagnosis.’,
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, ‘For instance, Mr. C did not receive diagnostic expenses benefits after being diagnosed with cerebrovascular disease as there was insufficient evidence in the medical records submitted (such as imaging test results) to confirm the presence of cerebrovascular disease.’,
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, ‘The FSS explained, “It is difficult to recommend compensation if the confirmed diagnosis method specified in the terms and conditions is not met or if there is insufficient evidence for the test results to confirm the diagnosis.”‘,
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, ‘In addition, the FSS also emphasized the need to be aware that if one qualifies for temporary disability benefits (up to 5 years), only partial permanent disability benefits may be received.’,
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