[아시아경제 이창환 기자] ABL Life announced on the 30th that it would launch ‘ABL Dementia Care Insurance’, a dementia-specialized insurance that the elderly can also subscribe to on the 1st of next month. However, those who do not fall under some criteria, such as having never been diagnosed with a history of dementia, are eligible.
This product covers diagnosis costs according to the stage of dementia, care costs for moderate to severe dementia, hospitalization costs for caregivers support dementia, home and facility benefits according to long-term care grades, severe Alzheimer’s dementia and certain Parkinson’s and Lou Gehrig’s diseases accompanying dementia.
If you sign up for this special contract, you can receive up to 500,000 won per month for life support for moderate or severe dementia, and after determining the long-term care level, you can receive a subsidy of 200,000 to 300,000 won per session when using home or facility benefits.
If you are hospitalized for dementia using a caregiver, nursing, or integrated care service, you will receive a hospitalization fee of 30,000 to 50,000 won per day of hospitalization if you add the special drug.
This product is a ‘non-payment of cancellation refund type’. If you cancel the contract during the premium payment period, you cannot receive the cancellation refund of the main contract, but the monthly premium is low.
When a 40-year-old man and a woman sign up for this product with an amount of 10 million won in the main contract, a 90-year maturity, and 20 years of payment, the monthly premiums for the main contract are 6,700 won and 5,300 won, respectively.
The age to join is from 30 to 75 years old, and the maximum subscription for the main contract is from 1 million won to 30 million won.
ABL Life provides health care services such as health consultation, name guidance and treatment reservations, preferential health checkups, and health information provision to customers who subscribe to this product, and early dementia care services such as self-diagnosis and early diagnosis of dementia, and finding dementia care facilities. to provide.
Eun Jae-kyung, head of ABL Life’s Product & Marketing Department, said, “Reflecting the reality that 1 in 10 people over 65 will be diagnosed as a dementia patient as of 2020, the elderly can also sign up, and we will focus on guaranteeing the diagnosis fee for each stage of dementia and care costs accompanying dementia. We have developed this product,” he said.
Reporter Lee Chang-hwan [email protected]