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# A, who underwent knee artificial joint surgery, was recommended for non-payment kidney injection treatment, which is similar to manual treatment, saying that he/she could not receive manual treatment several times due to a limit on the number of times while receiving rehabilitation treatment. Kidney injection treatment is a physical treatment that relieves pain by spraying cooling energy briefly on the pain area. Mr. A heard that kidney injection treatment costs 80,000 won for 30 minutes and 160,000 won for an hour, the same price as manual treatment, which was guaranteed through existing loss insurance.

Since last month, when manual treatment has been limited due to management benefits, other non-payment treatments with similar treatment purposes have increased, and the insurance industry is concerned that the purpose of reducing insurance loss is undermined, while the medical industry sees it as a natural phenomenon. They say that as unnecessary over-treatment should be prevented for the sustainability of the operation of loss, which makes a deficit of 1 to 2 trillion won every year, and restrictions on treatment have been made, more patients choose other treatment.

According to the industry and others on the 7th, some hospitals are currently providing treatment to replace manual treatment by raising the cost of kidney injection from 30,000 won to 80,000 won or providing services such as massage and extracorporeal shock waves. Some hospitals say that the number of manual treatments itself is so low and profitable that it cannot be helped to treat patients.

This is because treatment is performed in a way that replaces manual treatment after manual treatment has become a management benefit. Manual treatment, which was usually guaranteed by loss, has been incorporated into health insurance since last month as a management benefit, with patients paying 95% and health insurance guaranteeing 5%. Existing 1st to 4th generation loss subscribers can be guaranteed through loss, but there has been an annual limit, and it is exceptionally recognized up to 24 times a year according to the doctor's judgment.

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In this regard, the industry is in a position to reduce over-treatment, such as non-payment, in order to sustain the operation of actual losses operated by the insurance premiums of most subscribers. In particular, loss is close to essential insurance that guarantees medical treatment in everyday life, so the deficit must be reduced. If insurance money leaks continue due to excessive medical treatment, the burden of operating loss and the increase in insurance premiums for all subscribers may increase.

On the other hand, the medical community believes that it is a natural phenomenon for patients who do not receive manual treatment due to management benefits to receive other alternative treatments. In order to receive manual therapy due to changes in the system, some patients need immediate treatment as they can only receive manual therapy after two weeks of physical and rehabilitation treatment. In addition, as it has been more than a month since the current system was implemented, it is unreasonable to say that the current figures alone have reached the level of manual treatment, which was criticized for causing excessive treatment in the past.

In response, Lee Tae-yeon, vice chairman of the Korean Medical Association, said, "It has only been about a month since the management benefit system was implemented, and it is too early to judge whether it is excessive or not at the current stage. As there are preconditions for manual treatment through management benefit, patients who need treatment right away are receiving other treatment."

Meanwhile, based on seven non-life insurers (Meritz, Samsung, Hyundai, KB, DB, Hanwha, and Heungkuk), the average daily claim for kidney injection treatment for eight business days last month was 345 million won. It jumped 206.6 percent from 113 million won on eight business days in early June.