Mirae Asset Life Insurance announced on the 1st that it has launched a new product, 'M-Care Health Insurance Non-Dividend,' targeted at ultra-mild patients. This insurance is a simplified notification product designed for patients who have difficulty enrolling in standard underwriting insurance, allowing enrollment if there is no medical history during a certain notification period.
This product, expanded in notification period compared to the currently sold simplified notification product 'M-Care Health Insurance (Simplified Notification) Non-Dividend,' offers the advantage of enrolling at reasonable premiums based on one's health condition.
The new product lists obligations to disclose information before contracting, including hospitalization within 3 months, the need for surgery, additional tests (re-examination), confirmation of disease diagnosis, and whether there is a suspicion of illness, as well as hospitalization or surgery (excluding cesarean section) due to a disease or accident within 10 years, and diagnosis, hospitalization, or surgery related to the seven major diseases (cancer, angina, myocardial infarction, cirrhosis, cardiac valve disease, chronic kidney disease requiring dialysis, specific cerebrovascular disease) within 5 years.
Mirae Asset Life Insurance has enhanced its cancer coverage competitiveness by incorporating the latest cancer treatment method, 'hadron beam therapy rider.' Hadron beam therapy is a high-precision treatment that utilizes heavier carbon particles compared to existing proton therapy to deliver energy concentrated on cancer cells, achieving high treatment efficacy with fewer side effects.
The enrollment age for 'M-Care Health Insurance (Simplified Notification) Non-Dividend' ranges from 15 years to a maximum of 75 years, with coverage available for life. Additionally, it can be selected as a basic type or a type with no refund upon cancellation, and particularly, one can enroll at a lower premium compared to the basic type when selecting the type with no refund.
Oh Sang-hoon, head of product development at Mirae Asset Life Insurance, noted, "This new M-Care Health Insurance (Non-Dividend) product is designed to expand and segment the simplified notification market, allowing benefits at reasonable premiums that match health conditions. We hope that many people will be able to enjoy these benefits and prepare for necessary coverage, and we will continue to develop customized products with this in mind."