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The pet market has evolved to a wide range, not only from the pet itself, but also from related services such as food, clothing, toys, pets and veterinary hospitals. According to the Ministry of Agriculture, Forestry, Livestock and Livestock, the domestic animal market, which was 1,800 billion won in 2015, is expected to reach 5.8 trillion of wons in 2020.
The problem is that the development of insurance products is a lack of support.
Currently, the poultry insurance market, which is sold through domestic insurers, is the Lotte Mae Insurance Co., Ltd.. from Lotte Mae Insurance, which is sold through national insurers. Insurance, Samsung's Familis Lease Insurance & Marine Insurance Dog Health Insurance, Hyundai Marine & Fire Insurance & # 39; Hypet Pet Insurance & # 39;
However, according to the insurance industry, the annual sales of these "pet insurance", sold by each insurer, are extremely low, about 1,000 cases per year.
According to a survey conducted by consumer badociations, insurers have not been able to comply with the laws and regulations of the Korean Peninsula, Vaccination and examination fees veterinarian, sterilization costs, etc. The number of pet treatments often varies up to nine times depending on the hospital.
In fact, insurers will be able to provide insurance companies the right amount of insurance money in case of an accident or illness to their pets.
The practicality of the product itself is also a subject of intellectual concern. Lotte Doosan, Hyundai Marine Insurance and Samsung Fire & Marine Insurance are regularly concerned that their coverage and coverage is limited.
The three companies are excluded from insurance coverage for major diseases of dogs, including those requiring vaccination, including heartworm, pregnancy, delivery, sterilization, dentistry and patellar dislocation.
Most domestic animals are not insured if the age of the animal is greater than 6 years. Given the fact that pet diseases appear mainly in children aged 6 years or older, there is a chance to highlight its effectiveness.
million. Sojoo A, who is a member of real pet insurance products, said: "My dog was rushed to hospital because he was sick,
Another Bounty B , also, said: "Because of the age of the dogs, the number of dogs is very high,
Insurers also fear that the registration and management of pets are not systematically carried out and that the age of the pet is deceived, And that they are not ready to engage in active public relations, as they may suffer moral damages such that receive insurance money for their pets.
◇ Change the paradigm of pet insurance with "product + service" rather than "product"
As the pet insurance market is rarely attracted to consumers Insurers are trying to capture the hearts of Petpam people by unusual attempts.
Not only are you selling so-called insurance products as an insurance product, but an insurance that sells as a "package" by providing personalized services or products that satisfy the owners attracts. l & # 39; attention. Kyobo Life Planet Life, the only Internet-based insurer in Korea, has introduced "Pet Love's Regular Insurance," which is different from conventional pet insurance in that it has the same benefits. advantage of being able to benefit not only during the period of survival but also
It is characterized by the fact that it guarantees 5 million won for the death of the companion as the main contract, and it can solve the worries about The pet left alone in providing a protection and re-adoption service.
It is also advantageous that there are free services for pets, hotel accommodation, entrance tickets for the swimming pool, discounts for supplies and education and health food samples. It is 4500 won a month for 30-year-old men and 2900 won a month for 30-year-old women. It can be guaranteed for 10 years by paying for one year. It can be easily subscribed through the mobile web page and the Kyobo Life Planet Life app.
Lee Kyoungbo, CEO of Life Planet Life, said, "We have launched a custom insurance for pets that have recently attracted attention as a social problem." The owner who wants to protect the animals of the family
Kyobo Life Planet not only to launch products, but also to promote products through protocols with the Petdak animal platform service and the Petoy brand. We are also working on expanding the base.
The NH Agricultural Cooperative Insurance Co., Ltd., which runs the NH Agricultural Cooperative Insurance, worked on the & # 39; The long term pet care insurance is also different from the existing pet insurance products. This product is a product for which insurance is given when a dog is killed.
It is also wise to lower premiums by joining a group through joint insurance purchase platforms such as "multi-line" insurance. There is. Daeducks will match owners who wish to sign up for pet insurance, allowing them to sign up for a 15% discount on Lotte's pet insurance product. Sonha Insurance. It also provides related services such as sponsorship of a dog protection campaign with the Korea Dog Association or Olafet.
As the pet population increases and the need to develop related insurance products increases, the government has expressed its willingness to strengthen the supply of related products.
Kim Yong-bum, vice president of the Financial Services Commission, announced that he planned to increase the number of specialized short-term insurance companies, insurance companies and insurance companies. specialized insurance online and from special purpose insurance companies. Apply a separate standard to smaller, short-term insurers to approve and relax capital requirements for locations where insurance terms and premiums are below a certain level.
It is the idea that the insurance market of Korea shows a decade later, and Japan has already significantly developed the insurance industry to through deregulation. In 2006, Japan changed its short-term insurance system to go from a licensing system to a registration system and reduced its minimum capital from 1 billion to 10 million yen.
Here, the net benchmark insurance rate (hereinafter referred to as "reference rate") for the insurance policy of the Insurance Development Agency is the Next:
The reference rate is the average insurance rate of the industry calculated by the Insurance Development Agency on the basis of the insurers' experience statistics. Small and medium-sized businesses that do not have statistical rates based on their own statistical data can use reference rates for product development. One of the main reasons why pet insurance was not developed was the fact that it was difficult to calculate the statistical rate because the claims ratio was surged. every year.
This statistic is expected to help not only small and medium-sized insurers, but also the entire insurance industry, as well as dog companions, as well as dog companions.
In addition to estimating the amount of insurance claims, the term of insurance coverage should be extended from three to five years.
However, an insurance industry official said: "It's not just the efforts of the insurance industry, but also the vigilantes". "
Jang Ho-seong reporter hs6776 @ fntimes " I think it will be difficult to work, "he said, adding that the government should arbitrate the positions of both sides in the middle. .com
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