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What are the available options for the insurance period?
๏ฟฝ๏ฟฝ์ž…๋ถˆ๊ฐ€ | 23~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 34~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 19. ๋ฌด๋ฐฐ๋‹น ๋‡Œ์ถœํ˜ˆ ๋ฐ ๋‡Œ๊ฒฝ์ƒ‰์ฆ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) (D) - ๊ฐ€์ž…์ตœ์ €๋‚˜์ด: ๋งŒ15์„ธ - ๊ฐ€์ž…์ตœ๊ณ ๋‚˜์ด: | ๋ณดํ—˜๊ธฐ๊ฐ„ | 20๋…„ | 30๋…„ | 80์„ธ | 90์„ธ | 100์„ธ | ์ข…์‹  | | ๋‚ฉ์ž…๊ธฐ๊ฐ„ | | 5๋…„๋‚ฉ | ๋‚จ์ž | 19~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 25~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 7๋…„๋‚ฉ | ๋‚จ์ž | 22~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 28~70์„ธ | 17~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 10๋…„๋‚ฉ | ๋‚จ์ž | 26~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 32~70์„ธ | 20~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 12๋…„๋‚ฉ | ๋‚จ์ž | 28~70์„ธ | 16~70์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | ์—ฌ์ž | 34~70์„ธ | 22~70์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | 15๋…„๋‚ฉ | ๋‚จ์ž | 33~70์„ธ | 17~70์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | ์—ฌ์ž | 38~70์„ธ | 24~70์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | 20๋…„๋‚ฉ | ๋‚จ์ž | 41~70์„ธ | 20~70์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | ์—ฌ์ž | 45~70์„ธ | 26~70์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | 25๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 22~70์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 29~70์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | 30๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 26~70์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 17 | 30๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 22~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 26~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | * 20๋…„๋งŒ๊ธฐ 20๋…„๋‚ฉ ๋‚จ์ž 54, 56์„ธ ๊ฐ€์ž…๋ถˆ๊ฐ€ 18. ๋ฌด๋ฐฐ๋‹น ๊ธ‰์„ฑ์‹ฌ๊ทผ๊ฒฝ์ƒ‰์ฆ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) (D) - ๊ฐ€์ž…์ตœ์ €๋‚˜์ด: ๋งŒ15์„ธ - ๊ฐ€์ž…์ตœ๊ณ ๋‚˜์ด: | ๋ณดํ—˜๊ธฐ๊ฐ„ | 20๋…„ | 30๋…„ | 80์„ธ | 90์„ธ | 100์„ธ | ์ข…์‹  | | ๋‚ฉ์ž…๊ธฐ๊ฐ„ | | 5๋…„๋‚ฉ | ๋‚จ์ž | 19~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 29~70์„ธ | 17~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 7๋…„๋‚ฉ | ๋‚จ์ž | 21~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 31~70์„ธ | 19~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 10๋…„๋‚ฉ | ๋‚จ์ž | 24~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 34~70์„ธ | 22~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 12๋…„๋‚ฉ | ๋‚จ์ž | 26~68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | ์—ฌ์ž | 37~68์„ธ | 25~68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | 15๋…„๋‚ฉ | ๋‚จ์ž | 30~65์„ธ | 16~65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | ์—ฌ์ž | 40~65์„ธ | 27~65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | 20๋…„๋‚ฉ | ๋‚จ์ž | 35~60์„ธ | 19~60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | ์—ฌ์ž | 46~60์„ธ | 29~60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | 25๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 20~55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 30~55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | 30๋…„๋‚ฉ | ๋‚จ์ž | ๏ฟฝ
The available options for the insurance period are 20 years, 30 years, 80 years, 90 years, 100 years, and lifelong.
simple
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true
๋งž์Šต๋‹ˆ๋‹ค.
What is the purpose of the ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ in this insurance policy?
๏ฟฝํ™˜๊ธ‰๊ธˆ(ํ‘œ์ค€ํ˜•) ๋‚ฉ์ž…ํ•œ๋ณดํ—˜๋ฃŒ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•) ๋‚ฉ์ž…๊ธฐ๊ฐ„ ์ค‘ ๋‚ฉ์ž…๊ธฐ๊ฐ„ ํ›„ 03. ๊ฐฑ์‹  ์‹œ ๋ณดํ—˜๋ฃŒ ์ธ์ƒ ๊ฐ€๋Šฅ์„ฑ ์ด ๋ณดํ—˜์—๋Š” ๊ฐฑ์‹ ์‹œ ๋ณดํ—˜๋ฃŒ๊ฐ€ ๋ณ€๋™๋˜๋Š” ๊ฐฑ์‹ ํ˜• ๊ณ„์•ฝ์ด ํฌํ•จ๋˜์–ด ์žˆ์Šต๋‹ˆ๋‹ค. ๋ณดํ—˜๋ฃŒ ๊ฐฑ์‹ ํ˜• ๊ฐฑ์‹ ํ˜• ๊ณ„์•ฝ์€ ๊ฐฑ์‹ ํ•  ๋•Œ ๋งˆ๋‹ค ์—ฐ๋ น์˜ ์ฆ๊ฐ€, ์œ„ํ—˜๋ฅ  ๋ณ€๋™ ๋“ฑ์œผ๋กœ ๋ณดํ—˜๋ฃŒ๊ฐ€ ์ธ์ƒ๋  ์ˆ˜ ์žˆ์œผ๋‹ˆ ์ฃผ์˜ํ•˜์‹œ๊ธฐ ๋ฐ”๋ž๋‹ˆ๋‹ค. ๋ณดํ—˜๋ฃŒ ๋ณ€๋™๊ฐ€๋Šฅ ๊ฐฑ์‹  ์‹œ ๋ณดํ—˜๋ฃŒ๊ฐ€ ์ธ์ƒ๋  ์ˆ˜ ์žˆ๋Š” ๊ณ„์•ฝ ์ž…์›ํŠน์•ฝ I ((๊ฐฑ์‹ ํ˜•) ์ˆ˜์ˆ ํŠน์•ฝ I (๊ฐฑ์‹ ํ˜•) (๋ฌด) ๋ฐฑ๋…„์นœ๊ตฌ ๋‰ด-์•Œ์ฐจ๊ณ  ํ–‰๋ณตํ•œ ํ”Œ๋Ÿฌ์Šค ์ข…์‹ ๋ณดํ—˜(ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•)(2302) 17 II. ์†Œ๋น„์ž๊ฐ€ ๋ฐ˜๋“œ์‹œ ์•Œ์•„๋‘์–ด์•ผ ํ•  ์œ ์˜์‚ฌํ•ญ DB 04. ์†Œ๋น„์ž๊ฐ€ ๋ฐ˜๋“œ์‹œ ์•Œ์•„๋‘์–ด์•ผ ํ•  ์ƒํ’ˆ์˜ ์ฃผ์š” ํŠน์„ฑ ๋ณด์žฅ์„ฑ ๋ณดํ—˜ ๋ณด์žฅ์„ฑ๋ณดํ—˜ [์‚ฌ๋ง, ์ƒํ•ด, ์งˆ๋ณ‘๋“ฑ] 1 ์ด ๋ณดํ—˜์€ ์‚ฌ๋ง๋ณด์žฅ์„ ์ฃผ๋ชฉ์ ์œผ๋กœ ํ•˜๋Š” ๋ณด์žฅ์„ฑ๋ณดํ—˜์ด๋ฉฐ, ์ €์ถ•์ด๋‚˜ ์—ฐ๊ธˆ์ˆ˜๋ น์„ ๋ชฉ์ ์œผ๋กœ ๊ฐ€์ž…ํ•˜์‹œ๊ธฐ์— ์ ํ•ฉํ•˜์ง€ ์•Š์Šต๋‹ˆ๋‹ค.
The purpose of the ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ in this insurance policy is to provide partial refund of the premium upon cancellation.
simple
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true
๋งž์Šต๋‹ˆ๋‹ค.
What does it indicate if there is incomplete injury in the electromyography (EMG) test and the muscle strength is graded as 2 (poor) in the manual muscle testing (MMT)?
์ดํ•˜๋กœ ์ œํ•œ๋œ ๊ฒฝ์šฐ ๋‚˜) ๊ทผ์ „๋„ ๊ฒ€์‚ฌ์ƒ ๋ถˆ์™„์ „ํ•œ ์†์ƒ(incomplete injury) ์†Œ๊ฒฌ์ด ์žˆ์œผ๋ฉด์„œ ๋„์ˆ˜๊ทผ๋ ฅ๊ฒ€์‚ฌ (MMT)์—์„œ ๊ทผ๋ ฅ์ด 2๋“ฑ๊ธ‰(poor)์ธ ๊ฒฝ์šฐ
It indicates that there is an incomplete injury in the electromyography (EMG) test and the muscle strength is graded as 2 (poor) in the manual muscle testing (MMT).
simple
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true
๋งž์Šต๋‹ˆ๋‹ค.
What is the criteria for determining a mild impairment in mental functioning?
| 5) ์ •์‹ ํ–‰๋™์— ์•ฝ๊ฐ„์˜ ์žฅํ•ด๋ฅผ ๋‚จ๊ธด ๋•Œ | 25 | | 6) ์ •์‹ ํ–‰๋™์— ๊ฒฝ๋ฏธํ•œ ์žฅํ•ด๋ฅผ ๋‚จ๊ธด ๋•Œ | 10 | | 7) ๊ทน์‹ฌํ•œ ์น˜๋งค: CDR์ฒ™๋„ 5์  | 100 | | 8) ์‹ฌํ•œ์น˜๋งค: CDR์ฒ™๋„ 4์  | 80 | | 9) ๋šœ๋ ทํ•œ ์น˜๋งค: CDR ์ฒ™๋„ 3์  | 60 | | 10) ์•ฝ๊ฐ„์˜ ์น˜๋งค: CDR ์ฒ™๋„ 2์  | 40 | | 11) ์‹ฌํ•œ ๊ฐ„์งˆ๋ฐœ์ž‘์ด ๋‚จ์•˜์„ ๋•Œ | 70 | | 12) ๋šœ๋ ทํ•œ ๊ฐ„์งˆ๋ฐœ์ž‘์ด ๋‚จ์•˜์„ ๋•Œ | 40 | | 13) ์•ฝ๊ฐ„์˜ ๊ฐ„์งˆ๋ฐœ์ž‘์ด ๋‚จ์•˜์„ ๋•Œ | 10 | ๋‚˜. ์žฅํ•ดํŒ์ •๊ธฐ์ค€ 1) ์‹ ๊ฒฝ๊ณ„ ๊ฐ€) "์‹ ๊ฒฝ๊ณ„์— ์žฅํ•ด๋ฅผ ๋‚จ๊ธด ๋•Œ"๋ผ ํ•จ์€ ๋‡Œ, ์ฒ™์ˆ˜ ๋ฐ ๋ง์ดˆ์‹ ๊ฒฝ๊ณ„ ์†์ƒ์œผ๋กœ "<๋ถ™์ž„>์ผ์ƒ์ƒํ™œ ๊ธฐ๋ณธ๋™์ž‘(ADLs) ์ œํ•œ ์žฅํ•ดํ‰๊ฐ€ํ‘œ"์˜ 5๊ฐ€์ง€ ๊ธฐ๋ณธ๋™์ž‘์ค‘ ํ•˜๋‚˜ ์ด์ƒ์˜ ๋™์ž‘์ด ์ œํ•œ๋˜์—ˆ ์„ ๋•Œ๋ฅผ ๋งํ•œ๋‹ค. ๋‚˜) ์œ„ ๊ฐ€)์˜ ๊ฒฝ์šฐ "<๋ถ™์ž„>์ผ์ƒ์ƒํ™œ ๊ธฐ๋ณธ๋™์ž‘(ADLs) ์ œํ•œ ์žฅํ•ดํ‰๊ฐ€ํ‘œ" ์ƒ ์ง€๊ธ‰๋ฅ ์ด 10% ๋ฏธ๋งŒ์ธ ๊ฒฝ์šฐ์—๋Š” ๋ณด์žฅ๋Œ€์ƒ์ด ๋˜๋Š” ์žฅํ•ด๋กœ ์ธ์ •ํ•˜์ง€ ์•Š๋Š”๋‹ค. 80 DB์ƒ๋ช… ๋‹ค) ์‹ ๊ฒฝ๊ณ„์˜ ์žฅํ•ด๋กœ ๋ฐœ์ƒํ•˜๋Š” ๋‹ค๋ฅธ ์‹ ์ฒด๋ถ€์œ„์˜ ์žฅํ•ด(๋ˆˆ, ๊ท€, ์ฝ”, ํŒ”, ๋‹ค๋ฆฌ ๋“ฑ)๋Š” ํ•ด๋‹น ์žฅํ•ด 2) ํƒ€) ๊ฐ์ข… ๊ธฐ์งˆ์„ฑ ์ •์‹ ์žฅํ•ด์™€ ์™ธ์ƒํ›„ ๊ฐ„์งˆ์— ํ•œํ•˜์—ฌ ๋ณด์ƒํ•œ๋‹ค. ๋กœ๋„ ํ‰๊ฐ€ํ•˜๊ณ  ๊ทธ ์ค‘ ๋†’์€ ์ง€๊ธ‰๋ฅ ์„ ์ ์šฉํ•œ๋‹ค. ๋ผ) ๋‡Œ์กธ์ค‘, ๋‡Œ์†
6) A mild impairment in mental functioning refers to a slight limitation in daily living activities (ADLs) due to damage to the brain, spinal cord, or peripheral nervous system. If one or more of the five basic ADLs are limited, it is considered a mild impairment. However, if the payment rate on the 'Evaluation Table for Limitations in Activities of Daily Living (ADLs)' is less than 10%, it is not recognized as a compensable impairment. Other impairments in other parts of the body caused by neurological impairments (such as eyes, ears, nose, arms, legs, etc.) are also evaluated and the higher payment rate is applied. Compensation is provided for various organic mental impairments and post-traumatic epilepsy.
simple
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true
๋งž์Šต๋‹ˆ๋‹ค.
What happens if the contract holder does not repay the insurance contract loan and interest?
๏ฟฝ ๋ณดํ—˜๊ณ„์•ฝ๋Œ€์ถœ์„ ๋ฐ›์„ ์ˆ˜ ์žˆ ๋‹ค. ๋‚˜. ๊ณ„์•ฝ์ž๋Š” '๊ฐ€'ํ•ญ์— ์˜ํ•œ ๋ณดํ—˜๊ณ„์•ฝ๋Œ€์ถœ๊ธˆ๊ณผ ๋ณดํ—˜๊ณ„์•ฝ๋Œ€์ถœ์ด์ž๋ฅผ ์–ธ์ œ๋“ ์ง€ ์ƒํ™˜ํ•  ์ˆ˜ ์žˆ์œผ ๋ฉฐ ์ƒํ™˜ํ•˜์ง€ ์•„๋‹ˆํ•œ ๋•Œ์—๋Š” ๋ณดํ—˜๊ธˆ, ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋“ฑ์˜ ์ง€๊ธ‰์‚ฌ์œ ๊ฐ€ ๋ฐœ์ƒํ•œ ๋‚ ์— ์ง€๊ธ‰๊ธˆ์— ์„œ ๋ณดํ—˜๊ณ„์•ฝ๋Œ€์ถœ ์›๊ธˆ๊ณผ ์ด์ž๋ฅผ ์ฐจ๊ฐํ•œ๋‹ค. ๋‹ค. ํšŒ์‚ฌ๋Š” ๊ณ„์•ฝ์ด ํ•ด์ง€๋˜๋Š” ๋•Œ์—๋Š” ์ฆ‰์‹œ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ์—์„œ ๋ณดํ—˜๊ณ„์•ฝ๋Œ€์ถœ์›๊ธˆ๊ณผ ์ด์ž๋ฅผ ์ฐจ๊ฐํ•  ์ˆ˜ ์žˆ๋‹ค. ๋ผ. ํšŒ์‚ฌ๋Š” ๋ณดํ—˜์ˆ˜์ต์ž์—๊ฒŒ ๋ณดํ—˜๊ณ„์•ฝ๋Œ€์ถœ ์‚ฌ์‹ค์„ ํ†ต์ง€ํ•  ์ˆ˜ ์žˆ๋‹ค. 4. ์ถ”๊ฐ€๊ณ„์•ฝ์ž์ ๋ฆฝ์•ก์˜ ๊ณ„์‚ฐ
If the contract holder does not repay the insurance contract loan and interest, the insurance payment, cancellation refund, or other payment reasons will be deducted from the payment amount on the day when the payment reasons occur. The company can deduct the insurance contract loan principal and interest from the cancellation refund immediately when the contract is terminated. The company can also notify the insurance beneficiary of the fact of the insurance contract loan.
simple
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true
๋งž์Šต๋‹ˆ๋‹ค.
What features of the ๋ฌด ๋ฐฑ๋…„์นœ๊ตฌ ๋‰ด-์•Œ์ฐจ๊ณ  ํ–‰๋ณตํ•œ ํ”Œ๋Ÿฌ์Šค ์ข…์‹ ๋ณดํ—˜ lead to a partial insurance payment?
(๋ฌด) ๋ฐฑ๋…„์นœ๊ตฌ ๋‰ด-์•Œ์ฐจ๊ณ  ํ–‰๋ณตํ•œ ํ”Œ๋Ÿฌ์Šค ์ข…์‹ ๋ณดํ—˜(ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•)(2302) 13 II. ์†Œ๋น„์ž๊ฐ€ ๋ฐ˜๋“œ์‹œ ์•Œ์•„๋‘์–ด์•ผ ํ•  ์œ ์˜์‚ฌํ•ญ ๋ฏผ์› ์‚ฌ๋ก€ A์”จ๋Š” ์•”๋ณดํ—˜ ๊ฐ€์ž… ํ›„ 2๊ฐœ์›”์ด ์ง€๋‚˜์„œ ์œ„์•”์„ ํŒ์ •๋ฐ›์•„ ๋ณดํ—˜ํšŒ์‚ฌ์— ์•” ์ง„๋‹จ๋น„๋ฅผ ์ฒญ๊ตฌ ๋ณดํ—˜ํšŒ์‚ฌ๋Š” ๋ณดํ—˜๊ฐ€์ž… ํ›„ 90์ผ์ด ๊ฒฝ๊ณผํ•˜์ง€ ์•Š์•„ ๋ณดํ—˜๊ธˆ ์ง€๊ธ‰์ด ์–ด๋ ค์›€์„ ์•ˆ๋‚ด ๊ฐ์•ก์ง€๊ธ‰ ๊ฐ์•ก์ง€๊ธ‰ ์ด ๋ณดํ—˜์—๋Š” ์ผ์ •๊ธฐ๊ฐ„ ๋ณดํ—˜๊ธˆ์ด ์ผ๋ถ€๋งŒ ์ง€๊ธ‰(๊ฐ์•ก์ง€๊ธ‰)๋˜๋Š” ๋‹ด๋ณด๊ฐ€ ์žˆ์Šต๋‹ˆ๋‹ค. 50% [1๋…„๋ฏธ๋งŒ] ๊ฐ์•ก์ง€๊ธ‰ ์ ์šฉ ๋‹ด๋ณด | ๊ตฌ ๋ถ„ | ๋‹ด ๋ณด ๋ช… | ๊ฐ์•ก๊ธฐ๊ฐ„ ๋ฐ ๋น„์œจ | | ์ผ๋ฐ˜์•”์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) | ์ผ๋ฐ˜์•” ์ง„๋‹จ์ž๊ธˆ | ๊ฐ€์ž… ํ›„ 1๋…„๊ฐ„ ๋ณดํ—˜๊ธˆ 50% ์ง€๊ธ‰ | | ์œ ๋ฐฉ์•” ๋ฐ ์ „๋ฆฝ์„ ์•”์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) | ์œ ๋ฐฉ์•” ๋ฐ ์ „๋ฆฝ์„ ์•” ์ง„๋‹จ์ž๊ธˆ | | ์†Œ์•ก์•”์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) | ์†Œ์•ก์•” ์ง„๋‹จ์ž๊ธˆ | | ๋‡Œ์ถœํ˜ˆ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) | ๋‡Œ์ถœํ˜ˆ์ง„๋‹จ์ž๊ธˆ | | ๊ธ‰์„ฑ์‹ฌ๊ทผ๊ฒฝ์ƒ‰์ฆ ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) | ๊ธ‰์„ฑ์‹ฌ๊ทผ๊ฒฝ์ƒ‰์ฆ ์ง„๋‹จ์ž๊ธˆ | | ๋‡Œ์ถœํ˜ˆ๋ฐ
This insurance policy includes a coverage called ๊ฐ์•ก์ง€๊ธ‰ (partial payment), where only a portion of the insurance payment is made for a certain period of time. Specifically, for the ์ผ๋ฐ˜์•”์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) coverage, 50% of the insurance payment is made for 1 year after the policy is taken out. There are also other coverages such as ์œ ๋ฐฉ์•” ๋ฐ ์ „๋ฆฝ์„ ์•”์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•), ์†Œ์•ก์•”์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•), ๋‡Œ์ถœํ˜ˆ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•), and ๊ธ‰์„ฑ์‹ฌ๊ทผ๊ฒฝ์ƒ‰์ฆ ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•), each with their own conditions for partial payment.
reasoning
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true
๋งž์Šต๋‹ˆ๋‹ค.
What is the purpose of the ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ in this insurance policy, given the potential for higher premiums upon renewal and the nature of the ๋ณด์žฅ์„ฑ๋ณดํ—˜?
๏ฟฝํ™˜๊ธ‰๊ธˆ(ํ‘œ์ค€ํ˜•) ๋‚ฉ์ž…ํ•œ๋ณดํ—˜๋ฃŒ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•) ๋‚ฉ์ž…๊ธฐ๊ฐ„ ์ค‘ ๋‚ฉ์ž…๊ธฐ๊ฐ„ ํ›„ 03. ๊ฐฑ์‹  ์‹œ ๋ณดํ—˜๋ฃŒ ์ธ์ƒ ๊ฐ€๋Šฅ์„ฑ ์ด ๋ณดํ—˜์—๋Š” ๊ฐฑ์‹ ์‹œ ๋ณดํ—˜๋ฃŒ๊ฐ€ ๋ณ€๋™๋˜๋Š” ๊ฐฑ์‹ ํ˜• ๊ณ„์•ฝ์ด ํฌํ•จ๋˜์–ด ์žˆ์Šต๋‹ˆ๋‹ค. ๋ณดํ—˜๋ฃŒ ๊ฐฑ์‹ ํ˜• ๊ฐฑ์‹ ํ˜• ๊ณ„์•ฝ์€ ๊ฐฑ์‹ ํ•  ๋•Œ ๋งˆ๋‹ค ์—ฐ๋ น์˜ ์ฆ๊ฐ€, ์œ„ํ—˜๋ฅ  ๋ณ€๋™ ๋“ฑ์œผ๋กœ ๋ณดํ—˜๋ฃŒ๊ฐ€ ์ธ์ƒ๋  ์ˆ˜ ์žˆ์œผ๋‹ˆ ์ฃผ์˜ํ•˜์‹œ๊ธฐ ๋ฐ”๋ž๋‹ˆ๋‹ค. ๋ณดํ—˜๋ฃŒ ๋ณ€๋™๊ฐ€๋Šฅ ๊ฐฑ์‹  ์‹œ ๋ณดํ—˜๋ฃŒ๊ฐ€ ์ธ์ƒ๋  ์ˆ˜ ์žˆ๋Š” ๊ณ„์•ฝ ์ž…์›ํŠน์•ฝ I ((๊ฐฑ์‹ ํ˜•) ์ˆ˜์ˆ ํŠน์•ฝ I (๊ฐฑ์‹ ํ˜•) (๋ฌด) ๋ฐฑ๋…„์นœ๊ตฌ ๋‰ด-์•Œ์ฐจ๊ณ  ํ–‰๋ณตํ•œ ํ”Œ๋Ÿฌ์Šค ์ข…์‹ ๋ณดํ—˜(ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•)(2302) 17 II. ์†Œ๋น„์ž๊ฐ€ ๋ฐ˜๋“œ์‹œ ์•Œ์•„๋‘์–ด์•ผ ํ•  ์œ ์˜์‚ฌํ•ญ DB 04. ์†Œ๋น„์ž๊ฐ€ ๋ฐ˜๋“œ์‹œ ์•Œ์•„๋‘์–ด์•ผ ํ•  ์ƒํ’ˆ์˜ ์ฃผ์š” ํŠน์„ฑ ๋ณด์žฅ์„ฑ ๋ณดํ—˜ ๋ณด์žฅ์„ฑ๋ณดํ—˜ [์‚ฌ๋ง, ์ƒํ•ด, ์งˆ๋ณ‘๋“ฑ] 1 ์ด ๋ณดํ—˜์€ ์‚ฌ๋ง๋ณด์žฅ์„ ์ฃผ๋ชฉ์ ์œผ๋กœ ํ•˜๋Š” ๋ณด์žฅ์„ฑ๋ณดํ—˜์ด๋ฉฐ, ์ €์ถ•์ด๋‚˜ ์—ฐ๊ธˆ์ˆ˜๋ น์„ ๋ชฉ์ ์œผ๋กœ ๊ฐ€์ž…ํ•˜์‹œ๊ธฐ์— ์ ํ•ฉํ•˜์ง€ ์•Š์Šต๋‹ˆ๋‹ค. ๏ฟฝ๏ฟฝ์šฉ ํ•ด์ง€์œจ์„ ์ œ์™ธํ•œ ๋ณดํ—˜๋ฃŒ ์‚ฐ์ถœ ๊ธฐ์ดˆ์œจ๊ณผ ๋ณด์žฅ๋‚ด์šฉ์ด ๋™์ผํ•œ ์ƒํ’ˆ์„ ๋งํ•จ. ๋‹ค๋งŒ, ํ‘œ์ค€ํ˜•์€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•์˜ ๋ณดํ—˜๋ฃŒ์™€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋น„๊ต๋ฅผ ์œ„ํ•œ ์ƒํ’ˆ์œผ๋กœ ๋ณ„๋„ ๋กœ ๊ฐ€์ž…ํ•  ์ˆ˜ ์—†์Œ. [ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜• ์ƒํ’ˆ์ด๋ž€?] ๋ณดํ—˜๋ฃŒ ๋‚ฉ์ž…๊ธฐ๊ฐ„ ์ค‘ ํ•ด์ง€์‹œ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ์ด ์—†๋Š” ๋Œ€์‹  ํ‘œ์ค€ํ˜•๋ณด๋‹ค ๋‚ฎ์€ ๋ณดํ—˜๋ฃŒ๋กœ ๋ณดํ—˜์„ ๊ฐ€์ž… ํ•  ์ˆ˜ ์žˆ๋Š” ์ƒํ’ˆ์œผ๋กœ, ๋‚ฉ์ž…๊ธฐ๊ฐ„์ด ์™„๋ฃŒ๋œ ์ดํ›„ ๊ณ„์•ฝ ํ•ด์ง€์‹œ ํ‘œ์ค€ํ˜•์˜ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ์˜ 50%์— ํ•ด๋‹นํ•˜๋Š” ๊ธˆ์•ก์„ ์ง€๊ธ‰ํ•จ. โ€ป ํ‘œ์ค€ํ˜•: ์ ์šฉ ํ•ด์ง€์œจ์„ ์ œ์™ธํ•œ ๋ณดํ—˜๋ฃŒ ์‚ฐ์ถœ ๊ธฐ์ดˆ์œจ๊ณผ ๋ณด์žฅ๋‚ด์šฉ์ด ๋™์ผํ•œ ์ƒํ’ˆ์„ ๋งํ•จ. ๋‹ค ๋งŒ, ํ‘œ์ค€ํ˜•์€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•์˜ ๋ณดํ—˜๋ฃŒ์™€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋น„๊ต๋ฅผ ์œ„ํ•œ ์ƒํ’ˆ์œผ๋กœ ๋ณ„๋„๋กœ ๊ฐ€ ์ž…ํ•  ์ˆ˜ ์—†์Œ. 3 ๋ฌด๋ฐฐ๋‹น ๋ฐฑ๋…„์นœ๊ตฌ ๋‰ด-์•Œ์ฐจ๊ณ  ํ–‰๋ณตํ•œ ํ”Œ๋Ÿฌ์Šค ์ข…์‹ ๋ณดํ—˜ [ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•] [2302] ํŒ๋งค์˜ˆ๊ทœ โ–ก ํŒ๋งค๊ฐœ์‹œ: 2023.02.01. โ–ก ํŒ๋งค์ฑ„๋„: ๊ฐœ์ธ์˜์—…์ฑ„๋„( )/ GA( )/ ์‹ ์‚ฌ์—… ( โ–  ) / ๋ฐฉ์นด( โ–ก )/ ๋ฒ•์ธ( โ–ก ) I ยท ์ƒํ’ˆ๋‚ด์šฉ ๋ฐ ํŒ๋งค๋ฐฉ๋ฒ• ๋ณ„์ฒจ 1: ํ”ผ๋ณดํ—˜์ž๊ฐ€์ž…๋‚˜์ด์— ๊ด€ํ•œ ์‚ฌ๏ฟฝ
The purpose of the ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ in this insurance policy is to provide a partial refund of the premiums paid in the event of policy cancellation. This type of policy, known as ๋ณด์žฅ์„ฑ๋ณดํ—˜, focuses primarily on providing death benefits and is not suitable for savings or pension purposes. The ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ option allows policyholders to receive a lower premium in exchange for forgoing the full refund of premiums upon cancellation.
reasoning
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true
๋งž์Šต๋‹ˆ๋‹ค.
What happens to the death insurance benefit payment when the pension payment is terminated and the policyholder applies for termination of the pension payment?
์—ฐ๊ธˆ์„ ์ง€๊ธ‰์˜ ์ข…๋ฃŒ๋ฅผ ์‹ ์ฒญํ•  ์ˆ˜ ์žˆ์œผ๋ฉฐ, ์ด ๊ฒฝ์šฐ ํšŒ์‚ฌ ๋Š” ์—ฐ๊ธˆ์„ ์ง€๊ธ‰์„ ์ข…๋ฃŒํ•œ๋‹ค. ๋˜ํ•œ, ๊ณ„์•ฝ์ž๋Š” ์—ฐ๊ธˆ์„ ์ง€๊ธ‰์ด ์ข…๋ฃŒ๋œ ์ดํ›„์— ์‚ฌ๋ง๋ณดํ—˜๊ธˆ ์—ฐ๊ธˆ์„ ์ง€ ๊ธ‰์„œ๋น„์Šค๋ฅผ ๋‹ค์‹œ ์‹ ์ฒญํ•  ์ˆ˜ ์—†๋‹ค. 3) ์—ฐ๊ธˆ์„ ์ง€๊ธ‰๊ธฐ๊ฐ„ ์ค‘ ์ฃผ๊ณ„์•ฝ์ด ์‚ฌ๋ง๋ณดํ—˜๊ธˆ ์ง€๊ธ‰์‚ฌ์œ  ๋ฐœ์ƒ, ํ•ด์ง€ ๋˜๋Š” ๊ธฐํƒ€ ์‚ฌ์œ ์— ์˜ํ•˜์—ฌ ํšจ๋ ฅ ์ด ์—†๊ฒŒ ๋˜๋Š” ๊ฒฝ์šฐ์—๋Š” ์ตœ์ดˆ ์•ฝ์ •ํ•œ ์—ฐ๊ธˆ์„ ์ง€๊ธ‰๊ธฐ๊ฐ„์—๋„ ๋ถˆ๊ตฌํ•˜๊ณ  ์—ฐ๊ธˆ์„ ์ง€๊ธ‰์€ ์ข…๋ฃŒ๋œ๋‹ค. ๋‹ค๋งŒ, ์‚ฌ๋ง๋ณดํ—˜๊ธˆ ์ง€๊ธ‰์‚ฌ์œ  ๋ฐœ์ƒ ์ดํ›„์— ์ง€๊ธ‰๋œ ์—ฐ๊ธˆ์„ ์ง€๊ธ‰ ๊ธˆ์•ก์ด ์žˆ๋Š” ๊ฒฝ์šฐ ํšŒ์‚ฌ๊ฐ€ ์ง€๊ธ‰ํ•  ์‚ฌ๋ง๋ณดํ—˜๊ธˆ์—์„œ ํ•ด๋‹น ์—ฐ๊ธˆ์„ ์ง€๊ธ‰ ๊ธˆ์•ก์„ ์ฐจ๊ฐํ•œ ํ›„ ์ง€๊ธ‰ํ•œ๋‹ค. 4) ์—ฐ๊ธˆ์„ ์ง€๊ธ‰ ๊ฐœ์‹œ ์ดํ›„์—๋Š” ๋ณดํ—˜๊ณ„์•ฝ๋Œ€์ถœ, ๋ณดํ—˜๊ฐ€์ž…๊ธˆ์•ก์˜ ๊ฐ์•ก, ์—ฐ๊ธˆ์ „ํ™˜ ๋ฐ ์„ ์ง€๊ธ‰์„œ๋น„์ŠคํŠน ์•ฝ์— ์˜ํ•œ ์‚ฌ๋ง๋ณดํ—˜๊ธˆ ์„ ์ง€๊ธ‰ ์ฒญ๊ตฌ๋ฅผ ํ•  ์ˆ˜ ์—†๋‹ค. ๋‹ค๋งŒ, ์ตœ์ข… ์—ฐ๊ธˆ์„ ์ง€๊ธ‰์ผ๊นŒ์ง€ ์—ฐ๊ธˆ์„ ์ง€๊ธ‰์ด ์™„๋ฃŒ๋˜๊ฑฐ๋‚˜, ์—ฐ๊ธˆ์„ ์ง€๊ธ‰์ด ์ข…๋ฃŒ๋œ ์ดํ›„์—๋Š” ์ด๋ฅผ ์ ์šฉํ•˜์ง€ ์•Š๋Š”๋‹ค. 25 [๋ณ„์ฒจ 4ใ€• ๊ธˆ๋ฆฌ์—ฐ๋™ํ˜• ์ข…์‹ ๋ณดํ—˜ II ์ „ํ™˜์ œ๋„์— ๊ด€ํ•œ ์‚ฌํ•ญ ๊ฐ€. ๋Œ€์ƒ๊ณ„์•ฝ ๋‹ค์Œ์˜ ๊ฒฝ๏ฟฝ
When the pension payment is terminated and the policyholder applies for termination of the pension payment, the death insurance benefit payment is also terminated. Additionally, the policyholder cannot reapply for the death insurance benefit payment after the pension payment has been terminated.
multi_context
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true
๋งž์Šต๋‹ˆ๋‹ค.
What is the maximum age for joining the "๋ฌด๋ฐฐ๋‹น ๋‡Œ์ถœํ˜ˆ ๋ฐ ๋‡Œ๊ฒฝ์ƒ‰์ฆ์ง„๋‹จํŠน์•ฝ I" and "๋ฌด๋ฐฐ๋‹น ๊ธ‰์„ฑ์‹ฌ๊ทผ๊ฒฝ์ƒ‰์ฆ์ง„๋‹จํŠน์•ฝ I" insurance plans?
๏ฟฝ๏ฟฝ์ž…๋ถˆ๊ฐ€ | 23~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 34~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 19. ๋ฌด๋ฐฐ๋‹น ๋‡Œ์ถœํ˜ˆ ๋ฐ ๋‡Œ๊ฒฝ์ƒ‰์ฆ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) (D) - ๊ฐ€์ž…์ตœ์ €๋‚˜์ด: ๋งŒ15์„ธ - ๊ฐ€์ž…์ตœ๊ณ ๋‚˜์ด: | ๋ณดํ—˜๊ธฐ๊ฐ„ | 20๋…„ | 30๋…„ | 80์„ธ | 90์„ธ | 100์„ธ | ์ข…์‹  | | ๋‚ฉ์ž…๊ธฐ๊ฐ„ | | 5๋…„๋‚ฉ | ๋‚จ์ž | 19~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 25~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 7๋…„๋‚ฉ | ๋‚จ์ž | 22~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 28~70์„ธ | 17~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 10๋…„๋‚ฉ | ๋‚จ์ž | 26~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 32~70์„ธ | 20~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 12๋…„๋‚ฉ | ๋‚จ์ž | 28~70์„ธ | 16~70์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | ์—ฌ์ž | 34~70์„ธ | 22~70์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | 15๋…„๋‚ฉ | ๋‚จ์ž | 33~70์„ธ | 17~70์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | ์—ฌ์ž | 38~70์„ธ | 24~70์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | 20๋…„๋‚ฉ | ๋‚จ์ž | 41~70์„ธ | 20~70์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | ์—ฌ์ž | 45~70์„ธ | 26~70์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | 25๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 22~70์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 29~70์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | 30๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 26~70์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 17 | 30๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 22~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 26~50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | 50์„ธ | * 20๋…„๋งŒ๊ธฐ 20๋…„๋‚ฉ ๋‚จ์ž 54, 56์„ธ ๊ฐ€์ž…๋ถˆ๊ฐ€ 18. ๋ฌด๋ฐฐ๋‹น ๊ธ‰์„ฑ์‹ฌ๊ทผ๊ฒฝ์ƒ‰์ฆ์ง„๋‹จํŠน์•ฝ I (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•) (D) - ๊ฐ€์ž…์ตœ์ €๋‚˜์ด: ๋งŒ15์„ธ - ๊ฐ€์ž…์ตœ๊ณ ๋‚˜์ด: | ๋ณดํ—˜๊ธฐ๊ฐ„ | 20๋…„ | 30๋…„ | 80์„ธ | 90์„ธ | 100์„ธ | ์ข…์‹  | | ๋‚ฉ์ž…๊ธฐ๊ฐ„ | | 5๋…„๋‚ฉ | ๋‚จ์ž | 19~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 29~70์„ธ | 17~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 7๋…„๋‚ฉ | ๋‚จ์ž | 21~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 31~70์„ธ | 19~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 10๋…„๋‚ฉ | ๋‚จ์ž | 24~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | ์—ฌ์ž | 34~70์„ธ | 22~70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | 70์„ธ | | 12๋…„๋‚ฉ | ๋‚จ์ž | 26~68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | ์—ฌ์ž | 37~68์„ธ | 25~68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | 68์„ธ | | 15๋…„๋‚ฉ | ๋‚จ์ž | 30~65์„ธ | 16~65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | ์—ฌ์ž | 40~65์„ธ | 27~65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | 65์„ธ | | 20๋…„๋‚ฉ | ๋‚จ์ž | 35~60์„ธ | 19~60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | ์—ฌ์ž | 46~60์„ธ | 29~60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | 60์„ธ | | 25๋…„๋‚ฉ | ๋‚จ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 20~55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | ์—ฌ์ž | ๊ฐ€์ž…๋ถˆ๊ฐ€ | 30~55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | 55์„ธ | | 30๋…„๋‚ฉ | ๋‚จ์ž | ๏ฟฝ
70์„ธ
multi_context
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๋งž์Šต๋‹ˆ๋‹ค.
What is the purpose of ํ™˜๊ธ‰๊ธˆ in this insurance policy and what factors can increase the renewal premium?
๏ฟฝํ™˜๊ธ‰๊ธˆ(ํ‘œ์ค€ํ˜•) ๋‚ฉ์ž…ํ•œ๋ณดํ—˜๋ฃŒ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ (ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•) ๋‚ฉ์ž…๊ธฐ๊ฐ„ ์ค‘ ๋‚ฉ์ž…๊ธฐ๊ฐ„ ํ›„ 03. ๊ฐฑ์‹  ์‹œ ๋ณดํ—˜๋ฃŒ ์ธ์ƒ ๊ฐ€๋Šฅ์„ฑ ์ด ๋ณดํ—˜์—๋Š” ๊ฐฑ์‹ ์‹œ ๋ณดํ—˜๋ฃŒ๊ฐ€ ๋ณ€๋™๋˜๋Š” ๊ฐฑ์‹ ํ˜• ๊ณ„์•ฝ์ด ํฌํ•จ๋˜์–ด ์žˆ์Šต๋‹ˆ๋‹ค. ๋ณดํ—˜๋ฃŒ ๊ฐฑ์‹ ํ˜• ๊ฐฑ์‹ ํ˜• ๊ณ„์•ฝ์€ ๊ฐฑ์‹ ํ•  ๋•Œ ๋งˆ๋‹ค ์—ฐ๋ น์˜ ์ฆ๊ฐ€, ์œ„ํ—˜๋ฅ  ๋ณ€๋™ ๋“ฑ์œผ๋กœ ๋ณดํ—˜๋ฃŒ๊ฐ€ ์ธ์ƒ๋  ์ˆ˜ ์žˆ์œผ๋‹ˆ ์ฃผ์˜ํ•˜์‹œ๊ธฐ ๋ฐ”๋ž๋‹ˆ๋‹ค. ๋ณดํ—˜๋ฃŒ ๋ณ€๋™๊ฐ€๋Šฅ ๊ฐฑ์‹  ์‹œ ๋ณดํ—˜๋ฃŒ๊ฐ€ ์ธ์ƒ๋  ์ˆ˜ ์žˆ๋Š” ๊ณ„์•ฝ ์ž…์›ํŠน์•ฝ I ((๊ฐฑ์‹ ํ˜•) ์ˆ˜์ˆ ํŠน์•ฝ I (๊ฐฑ์‹ ํ˜•) (๋ฌด) ๋ฐฑ๋…„์นœ๊ตฌ ๋‰ด-์•Œ์ฐจ๊ณ  ํ–‰๋ณตํ•œ ํ”Œ๋Ÿฌ์Šค ์ข…์‹ ๋ณดํ—˜(ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•)(2302) 17 II. ์†Œ๋น„์ž๊ฐ€ ๋ฐ˜๋“œ์‹œ ์•Œ์•„๋‘์–ด์•ผ ํ•  ์œ ์˜์‚ฌํ•ญ DB 04. ์†Œ๋น„์ž๊ฐ€ ๋ฐ˜๋“œ์‹œ ์•Œ์•„๋‘์–ด์•ผ ํ•  ์ƒํ’ˆ์˜ ์ฃผ์š” ํŠน์„ฑ ๋ณด์žฅ์„ฑ ๋ณดํ—˜ ๋ณด์žฅ์„ฑ๋ณดํ—˜ [์‚ฌ๋ง, ์ƒํ•ด, ์งˆ๋ณ‘๋“ฑ] 1 ์ด ๋ณดํ—˜์€ ์‚ฌ๋ง๋ณด์žฅ์„ ์ฃผ๋ชฉ์ ์œผ๋กœ ํ•˜๋Š” ๋ณด์žฅ์„ฑ๋ณดํ—˜์ด๋ฉฐ, ์ €์ถ•์ด๋‚˜ ์—ฐ๊ธˆ์ˆ˜๋ น์„ ๋ชฉ์ ์œผ๋กœ ๊ฐ€์ž…ํ•˜์‹œ๊ธฐ์— ์ ํ•ฉํ•˜์ง€ ์•Š์Šต๋‹ˆ๋‹ค. ๏ฟฝ๏ฟฝ์šฉ ํ•ด์ง€์œจ์„ ์ œ์™ธํ•œ ๋ณดํ—˜๋ฃŒ ์‚ฐ์ถœ ๊ธฐ์ดˆ์œจ๊ณผ ๋ณด์žฅ๋‚ด์šฉ์ด ๋™์ผํ•œ ์ƒํ’ˆ์„ ๋งํ•จ. ๋‹ค๋งŒ, ํ‘œ์ค€ํ˜•์€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•์˜ ๋ณดํ—˜๋ฃŒ์™€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋น„๊ต๋ฅผ ์œ„ํ•œ ์ƒํ’ˆ์œผ๋กœ ๋ณ„๋„ ๋กœ ๊ฐ€์ž…ํ•  ์ˆ˜ ์—†์Œ. [ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜• ์ƒํ’ˆ์ด๋ž€?] ๋ณดํ—˜๋ฃŒ ๋‚ฉ์ž…๊ธฐ๊ฐ„ ์ค‘ ํ•ด์ง€์‹œ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ์ด ์—†๋Š” ๋Œ€์‹  ํ‘œ์ค€ํ˜•๋ณด๋‹ค ๋‚ฎ์€ ๋ณดํ—˜๋ฃŒ๋กœ ๋ณดํ—˜์„ ๊ฐ€์ž… ํ•  ์ˆ˜ ์žˆ๋Š” ์ƒํ’ˆ์œผ๋กœ, ๋‚ฉ์ž…๊ธฐ๊ฐ„์ด ์™„๋ฃŒ๋œ ์ดํ›„ ๊ณ„์•ฝ ํ•ด์ง€์‹œ ํ‘œ์ค€ํ˜•์˜ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ์˜ 50%์— ํ•ด๋‹นํ•˜๋Š” ๊ธˆ์•ก์„ ์ง€๊ธ‰ํ•จ. โ€ป ํ‘œ์ค€ํ˜•: ์ ์šฉ ํ•ด์ง€์œจ์„ ์ œ์™ธํ•œ ๋ณดํ—˜๋ฃŒ ์‚ฐ์ถœ ๊ธฐ์ดˆ์œจ๊ณผ ๋ณด์žฅ๋‚ด์šฉ์ด ๋™์ผํ•œ ์ƒํ’ˆ์„ ๋งํ•จ. ๋‹ค ๋งŒ, ํ‘œ์ค€ํ˜•์€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋ฏธ์ง€๊ธ‰ํ˜•์˜ ๋ณดํ—˜๋ฃŒ์™€ ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ๋น„๊ต๋ฅผ ์œ„ํ•œ ์ƒํ’ˆ์œผ๋กœ ๋ณ„๋„๋กœ ๊ฐ€ ์ž…ํ•  ์ˆ˜ ์—†์Œ. 3 ๋ฌด๋ฐฐ๋‹น ๋ฐฑ๋…„์นœ๊ตฌ ๋‰ด-์•Œ์ฐจ๊ณ  ํ–‰๋ณตํ•œ ํ”Œ๋Ÿฌ์Šค ์ข…์‹ ๋ณดํ—˜ [ํ•ด์•ฝํ™˜๊ธ‰๊ธˆ ์ผ๋ถ€์ง€๊ธ‰ํ˜•] [2302] ํŒ๋งค์˜ˆ๊ทœ โ–ก ํŒ๋งค๊ฐœ์‹œ: 2023.02.01. โ–ก ํŒ๋งค์ฑ„๋„: ๊ฐœ์ธ์˜์—…์ฑ„๋„( )/ GA( )/ ์‹ ์‚ฌ์—… ( โ–  ) / ๋ฐฉ์นด( โ–ก )/ ๋ฒ•์ธ( โ–ก ) I ยท ์ƒํ’ˆ๋‚ด์šฉ ๋ฐ ํŒ๋งค๋ฐฉ๋ฒ• ๋ณ„์ฒจ 1: ํ”ผ๋ณดํ—˜์ž๊ฐ€์ž…๋‚˜์ด์— ๊ด€ํ•œ ์‚ฌ๏ฟฝ
The purpose of ํ™˜๊ธ‰๊ธˆ in this insurance policy is to provide a partial refund upon cancellation. Factors such as age increase and changes in risk rates can increase the renewal premium.
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๋งž์Šต๋‹ˆ๋‹ค.
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