三星生命推出两款老年健康险升级版，常规产品迭代、无业绩量级

Samsung Life Insurance (032830.KS) said on the 20th that it is launching two senior health insurance products: a comprehensive plan that strengthens coverage for pneumonia and robotic artificial joint surgery, and a separate plan that bundles treatment after long-term care certification.
The Samsung Senior Flagship Health Insurance line, introduced in July, is a health insurance product designed for older adults that covers dementia and long-term care along with brain and joint conditions. The latest revision adds pneumonia and robotic artificial joint surgery coverage to the existing product and introduces a new plan focused on treatment costs incurred after long-term care certification.
The comprehensive plan covers pneumonia from diagnosis through hospitalization and intensive care. It applies the CURB-65 severity score to tier payout amounts according to how severe the case is. Patients who receive inpatient treatment at general or tertiary hospitals can obtain additional coverage through a rider. Robotic total knee replacement surgery has been added to the existing joint condition coverage.
The newly launched long-term care plan covers, under a single rider, home-care and facility benefits, nursing hospital admission, MRI and CT scans, surgery, intensive care and rehabilitation for policyholders certified at long-term care grades 1 through 5. It is designed as a low-surrender-value product, meaning refunds are small if the policy is canceled during the premium payment period.
The comprehensive plan is available to applicants aged 30 to 75, and the long-term care plan to those aged 30 to 70. Both products are offered in standard, healthy-applicant and simplified underwriting versions.
"We have strengthened coverage not only for dementia and long-term care among older adults but also for conditions they encounter in daily life, such as pneumonia and joint disease," a Samsung Life official said. "By covering the treatment process extensively even after long-term care begins, we expect to ease customers' medical cost burden."