[Background]

□ Indemnity health insurance serves as a private safety net for citizens by covering portions not covered by National Health Insurance* (as of end of July '25, the number of insured persons is 40.48 million).

○ However, concerns have been raised that indemnity insurance induces excessive medical demand, distorts the medical system, and increases the overall premium burden on the public.

[Main Points]

1. Linking the co-payment rate (deductible amount) of the main contract (benefits) with National Health Insurance.

2. Operating special terms (non-benefits) by categorizing them into critical and non-critical cases, strengthening coverage for critical cases while upwardly adjusting co-payment rates for non-critical cases.