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00:04The problem of skyrocketing medical insurance premiums has been a concern for nearly a year.
00:07This directly puts many policyholders at a loss.
00:09This has also attracted widespread attention from society.
00:12The central bank had previously introduced a temporary policy measure.
00:16The regulations stipulate that the annual increase in medical insurance premiums cannot exceed 10%.
00:23This measure will remain in effect until the end of this year, which is 2026.
00:27It's temporary, but cannot exceed 10%.
00:30The main purpose is to reduce the financial burden on policyholders.
00:33Everyone originally thought it was all over.
00:35With this commitment, a 10% ceiling was agreed upon.
00:39In addition to the earlier investigation by the Public Accounts Committee of Congress
00:42This will allow everyone to breathe a sigh of relief for a while.
00:45Don't worry about this insurance premium suddenly and unreasonably skyrocketing.
00:47I live in fear every day
00:49However, there are always ways to circumvent policies.
00:51Some guarantors still face the predicament of doubled premiums.
00:55A 63-year-old retiree, Huang Jucong, filed a complaint.
00:58He upgraded his health insurance policy when he was 60 years old.
01:02The original policy statement clearly listed the annual premium increases.
01:07Unexpectedly, it's the third year since I took out the insurance.
01:10The premium suddenly jumped from RM3,590 to RM7,956
01:16The increase reached a staggering 121.6%.
01:19This has far exceeded the previously agreed-upon 10%.
01:23Although the insurance company was later subject to restrictions from the national bank
01:27The premium has been reduced to RM5,429.
01:31However, the increase still exceeded 50%.
01:34Furthermore, the premium was increased by another 14% in the fourth year.
01:38Faced with such an exaggerated increase?
01:41The mayor decided to stand up and seek justice.
01:44Wu Jian, legal counsel for the movement to defend consumer rights in cannabis insurance.
01:49South
01:49This represents the city's owners issuing [funds] to the national bank and relevant insurance companies.
01:53lawyer's letter
01:54The letter put forward three major demands.
01:56First of all
01:57The national bank must issue a permanent injunction to prohibit...
02:01All insurance companies are strictly prohibited from arbitrarily adjusting premiums in this manner.
02:06He also demanded that insurance companies immediately stop collecting fees exceeding the policy contract amount.
02:10Scope of premium
02:11These two institutions also need to give an explanation to the public.
02:15Why do patients holding insurance company guarantees...
02:18When seeing a doctor at a designated hospital
02:20The fee will be higher than that of the patient who pays in cash out of their own pocket.
02:26Besides raising these three demands
02:29The mayor also issued an ultimatum.
02:30Wu Jiannan signed agreements with relevant insurance companies and national banks.
02:34A satisfactory response must be given within 14 days.
02:37Otherwise, we will take formal legal action to pursue the matter to the end.
02:41He said the insurance company was suspected of unilateral breach of contract.
02:45Providing misleading information
02:47It might even involve manipulating this risk pool.
02:49Separate the elderly and the young.
02:52To increase the burden on the elderly
02:54Huang Jucong was also very disappointed with the National Bank.
02:58It is believed that the central bank has not strictly regulated insurance companies.
03:01Allowing businesses to violate contracts and arbitrarily raise prices
03:04Turning consumers into fish to be slaughtered
03:16Chinese subtitles provided
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