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	보험업계에 따르면 실손보험금을 아예 청구하지 않았거나 소액을 청구한 비중은 95.6%에 달하는 것으로 나타났다. 나머지 4.4%의 가입자가 전체 보험금(3조8379억원)의 약 65%(2조4761억원)의 보험금을 수령했다. 소수가 전체 보험금의 절반 이상을 받아 간 셈이다. 이는 비급여의 허점을 이용한 과잉진료, 의료쇼핑 때문이다. 이를 악용해 수천만원, 수억원의 보험금을 타가는 조직형 보험사기도 활개 치고 있다. 이로 인해 선의의 가입자만 보험금이 오르는 피해가 발생하고 있다. 비급여 보험금의 누수 때문에 보험사의 손해율이 오르고, 이것이 다시 소비자의 보험료 인상으로 이어지고 있다. 금융당국, 보건당국 등 정부는 이런 실손보험 허점을 보완하기 위해 대책을 마련 중이다. 보험업계와 의료계의 논의를 거쳐 '실손보험 제도 개선 방안'을 연내 발표할 계획이다. 우선 상품구조 변경을 논의하고 있다. 비급여 항목 의료행위의 이용 횟수와 보장 한도를 더 축소하는 방안이 유력하게 거론된다. 예를 들어 비급여 보험금 중 유독 비중이 높은 도수치료, 체외충격파, 증식치료, 비급여 주사제 등과 관련해 보장 금액과 한도를 제한하는 방식이다. <a href="http://autoinsu.car-directbohum.com/" target="_blank" title="자동차보험료비교견적사이트">자동차보험료비교견적사이트</a> <a href="http://cancer.hyundaifire.co.kr/" target="_blank" title="현대해상암보험">현대해상암보험</a> <a href="http://cancer.insufirst.co.kr/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="http://child.insufirst.co.kr/" target="_blank" title="어린이보험비교사이트">어린이보험비교사이트</a> <a href="http://driver.insufirst.co.kr/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://health.hyundaifire.co.kr/" target="_blank" title="3대질병보험">3대질병보험</a> <a href="http://health.insufirst.co.kr/" target="_blank" title="실비보험비교사이트">실비보험비교사이트</a> <a href="http://health.insufirst.co.kr/" target="_blank" title="실비보험비교">실비보험비교</a> <a href="http://www.automobile-bohum.co.k/" target="_blank" title="자동차보험료비교견적사이트">자동차보험료비교견적사이트</a> <a href="http://www.best-insu.com/" target="_blank" title="보험비교사이트순위">보험비교사이트순위</a> <a href="http://www.bikeinsu.com/" target="_blank" title="오토바이보험비교견적">오토바이보험비교견적</a> <a href="http://www.bikeinsu.com/" target="_blank" title="오토바이보험">오토바이보험</a> <a href="http://www.bikeinsu.com/" target="_blank" title="이륜차보험비교견적">이륜차보험비교견적</a> <a href="http://www.bohumbigyo.com/" target="_blank" title="보험비교">보험비교</a> <a href="http://www.bohumcare.com/" target="_blank" title="유병자실비보험">유병자실비보험</a> <a href="http://www.bohumcart.com/" target="_blank" title="보험비교">보험비교</a> <a href="http://www.bohum-center.com/" target="_blank" title="암보험비갱신형추천">암보험비갱신형추천</a> <a href="http://www.bohum-click.com/" target="_blank" title="운전자보험비교">운전자보험비교</a> <a href="http://www.bohum-doctor.com/" target="_blank" title="실비암보험">실비암보험</a> <a href="http://www.bohum-dream.com/" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="http://www.bohum-guy.com/" target="_blank" title="비갱신종합보험">비갱신종합보험</a> <a href="http://www.bohum-journal.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.bohum-kok.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.bohum-made.com/" target="_blank" title="보험비교">보험비교</a> <a href="http://www.bohum-news.com/" target="_blank" title="실손보험비교사이트">실손보험비교사이트</a> <a href="http://www.bohum-news.com/" target="_blank" title="실손보험비교">실손보험비교</a> <a href="http://www.bohum-store.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.bohum-world.com/" target="_blank" title="운전자보험추천">운전자보험추천</a> <a href="http://www.bpdriver.co.kr/" target="_blank" title="운전자보험비교">운전자보험비교</a> <a href="http://www.bpdriver.co.kr/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.bpdriver.co.kr/" target="_blank" title="운전자보험추천">운전자보험추천</a> <a href="http://www.brain-insu.com/" target="_blank" title="뇌혈관질환보험">뇌혈관질환보험</a> <a href="http://www.cancer-defend.com/" target="_blank" title="실비암보험">실비암보험</a> <a href="http://www.cancerfirst.co.kr/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="http://www.cancermall.co.kr/" target="_blank" title="암보험비교">암보험비교</a> <a href="http://www.cancermall.co.kr/" target="_blank" title="보험비교">보험비교</a> <a href="http://www.child-bigyo.com" target="_blank" title="어린이보험비교">어린이보험비교</a> <a href="http://www.child-bohum.com/" target="_blank" title="어린이보험순위">어린이보험순위</a> <a href="http://www.childfirst.co.kr/" target="_blank" title="KB금쪽같은자녀보험">KB금쪽같은자녀보험</a> <a href="http://www.childfirst.co.kr/" target="_blank" title="KB어린이보험">KB어린이보험</a> <a href="http://www.childins.co.kr/" target="_blank" title="어린이실비보험">어린이실비보험</a> <a href="http://www.childinsure.co.kr/" target="_blank" title="어린이보험비교">어린이보험비교</a> <a href="http://www.driver-bigyo.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.driver-guy.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.easy-bohum.com/" target="_blank" title="암보험추천">암보험추천</a> <a href="http://www.easy-insu.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.good-bohum.com/" target="_blank" title="보험추천">보험추천</a> <a href="http://www.hichild.co.kr/" target="_blank" title="태아보험">태아보험</a> <a href="http://www.hyundaifire.co.kr/" target="_blank" title="비갱신어린이보험">비갱신어린이보험</a> <a href="http://www.ins-cancer.com/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="http://www.ins-kidult.com/" target="_blank" title="어른이보험">어른이보험</a> <a href="http://www.insmars.co.kr/" target="_blank" title="보험비교">보험비교</a> <a href="http://www.insmars.co.kr/" target="_blank" title="암보험비교">암보험비교</a> <a href="http://www.insmars.co.kr/child/" target="_blank" title="어린이보험비교">어린이보험비교</a> <a href="http://www.insmars.co.kr/driver/" target="_blank" title="운전자보험비교">운전자보험비교</a> <a href="http://www.insmars.co.kr/silbi/" target="_blank" title="실비보험비교">실비보험비교</a> <a href="http://www.insnh.com/" target="_blank" title="비갱신어린이보험">비갱신어린이보험</a> <a href="http://www.insplaza.co.kr/" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="http://www.ins-rich.com/" target="_blank" title="어린이실비보험">어린이실비보험</a> <a href="http://www.insubigyo.com/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="http://www.insudefend.com/" target="_blank" title="실비보험추천">실비보험추천</a> <a href="http://www.insu-doctor.com/" target="_blank" title="실손보험비교">실손보험비교</a> <a href="http://www.insufirst.co.kr/" target="_blank" title="보험리모델링">보험리모델링</a> <a href="http://www.insufirst.com/" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="http://www.insu-guy.com/" target="_blank" title="비갱신종합보험">비갱신종합보험</a> <a href="http://www.insumarket.co.kr/" target="_blank" title="보험비교">보험비교</a> <a href="http://www.insumedi.com/" target="_blank" title="실비보험비교사이트">실비보험비교사이트</a> <a href="http://www.insurance-driver.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.insu-world.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="http://www.invest-bohum.com/" target="_blank" title="간병보험">간병보험</a> <a href="http://www.invest-bohum.com/" target="_blank" title="간병비보험">간병비보험</a> <a href="http://www.invest-bohum.com/" target="_blank" title="간병인보험추천">간병인보험추천</a> <a href="http://www.invest-bohum.com/" target="_blank" title="간병인보험">간병인보험</a> <a href="http://www.investins.co.kr/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="http://www.kidinsu.co.kr/" target="_blank" title="어린이보험가입순위">어린이보험가입순위</a> <a href="http://www.mediinsu.com/" target="_blank" title="실비보험비교">실비보험비교</a> <a href="http://www.mediinsu.com/" target="_blank" title="실손보험비교">실손보험비교</a> <a href="http://www.nhinsure.co.kr/" target="_blank" title="농협 어린이보험">농협 어린이보험</a> <a href="http://www.operation-insu.com/" target="_blank" title="수술비보험">수술비보험</a> <a href="http://www.operation-insu.com/" target="_blank" title="수술비보험">치료비보험</a> <a href="http://www.remodelinginsure.co.kr/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="http://www.renewal-bohum.com/" target="_blank" title="갱신형 암보험">갱신형 암보험</a> <a href="http://www.renewal-bohum.com/" target="_blank" title="갱신형보험">갱신형보험</a> <a href="http://www.renewal-bohum.com/" target="_blank" title="비갱신 암보험">비갱신 암보험</a> <a href="http://www.renewal-bohum.com/" target="_blank" title="비갱신형 암보험">비갱신형 암보험</a> <a href="http://www.sick-bohum.com/" target="_blank" title="유병자 암보험">유병자 암보험</a> <a href="http://www.silbifirst.com/" target="_blank" title="실비보험비교사이트">실비보험비교사이트</a> <a href="http://www.wowbohum.com/" target="_blank" title="암보험비교">암보험비교</a> <a href="https://www.bohumleaders.co.kr/" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="https://www.bohumleaders.co.kr/menu01/" target="_blank" title="보험비교">보험비교</a> <a href="https://www.bohumleaders.co.kr/menu02/" target="_blank" title="보험료비교">보험료비교</a> <a href="https://www.bohumleaders.co.kr/menu03/" target="_blank" title="보험비교">보험비교</a> <a href="https://www.bohumleaders.co.kr/menu04/" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="https://www.bohumplaza.com" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="https://www.bohumplaza.com/bike/" target="_blank" title="오토바이보험비교견적">오토바이보험비교견적</a> <a href="https://www.bohumplaza.com/bike/" target="_blank" title="오토바이보험">오토바이보험</a> <a href="https://www.bohumplaza.com/bike/" target="_blank" title="이륜차보험비교견적">이륜차보험비교견적</a> <a href="https://www.bohumplaza.com/cancer/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="https://www.bohumplaza.com/car/" target="_blank" title="자동차보험료비교견적사이트">자동차보험료비교견적사이트</a> <a href="https://www.bohumplaza.com/car/" target="_blank" title="자동차보험료비교견적">자동차보험료비교견적</a> <a href="https://www.bohumplaza.com/car/" target="_blank" title="자동차보험비교견적">자동차보험비교견적</a> <a href="https://www.bohumplaza.com/car/" target="_blank" title="자동차보험">자동차보험</a> <a href="https://www.bohumplaza.com/driver/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="https://www.bohumplaza.com/health/" target="_blank" title="건강종합보험">건강종합보험</a> <a href="https://www.bohumplaza.com/kids/" target="_blank" title="어린이보험비교">어린이보험비교</a> <a href="https://www.bohumplaza.com/muheaji/" target="_blank" title="무해지보험비교">무해지보험비교</a> <a href="https://www.bohumplaza.com/silbi/" target="_blank" title="실비보험비교">실비보험비교</a> <a href="https://www.bohumplaza.com/teeth/" target="_blank" title="치아보험비교사이트">치아보험비교사이트</a> <a href="https://www.bohumplaza.com/teeth/" target="_blank" title="치아보험추천">치아보험추천</a> <a href="https://www.bohumplaza.com" target="_blank" title="보험비교">보험비교</a> <a href="https://www.carerinsu.com/" target="_blank" title="간병인보험">간병인보험</a> <a href="https://www.carerinsu.com/carer_01/" target="_blank" title="간병인보험비용">간병인보험비용</a> <a href="https://www.carerinsu.com/carer_02/" target="_blank" title="간병비보험">간병비보험</a> <a href="https://www.carerinsu.com/carer_03/" target="_blank" title="간병인보험추천">간병인보험추천</a> <a href="https://www.driver-bohum.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="https://www.driver-bohum.com/driver01/" target="_blank" title="운전자보험 추천">운전자보험 추천</a> <a href="https://www.driver-bohum.com/driver02/" target="_blank" title="운전자보험 보상">운전자보험 보상</a> <a href="https://www.driver-bohum.com/driver03/" target="_blank" title="운전자보험비교">운전자보험비교</a> <a href="https://www.ins-bike.com/" target="_blank" title="오토바이보험">오토바이보험</a> <a href="https://www.ins-bike.com/bike_01/" target="_blank" title="오토바이책임보험">오토바이책임보험</a> <a href="https://www.ins-bike.com/bike_02/" target="_blank" title="오토바이보험비교견적">오토바이보험비교견적</a> <a href="https://www.ins-bike.com/bike_03/" target="_blank" title="오토바이보험료">오토바이보험료</a> <a href="https://www.inscancer.com/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="https://www.ins-driver.com/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="https://www.ins-driver.com/driver_01/" target="_blank" title="운전자보험비교">운전자보험비교</a> <a href="https://www.ins-driver.com/driver_02/" target="_blank" title="운전자보험 추천">운전자보험 추천</a> <a href="https://www.ins-driver.com/driver_03/" target="_blank" title="운전자보험 벌금">운전자보험 벌금</a> <a href="https://www.ins-fire.com/" target="_blank" title="암보험비교사이트">암보험비교사이트</a> <a href="https://www.ins-silbi.com/" target="_blank" title="실비보험비교사이트">실비보험비교사이트</a> <a href="https://www.ins-silbi.com/health_01/" target="_blank" title="실비보험">실비보험</a> <a href="https://www.ins-silbi.com/health_02/" target="_blank" title="실비보험 비교">실비보험 비교</a> <a href="https://www.ins-silbi.com/health_03/" target="_blank" title="실비보험 보장내용">실비보험 보장내용</a> <a href="https://www.ins-total.com/" target="_blank" title="비갱신암보험">비갱신암보험</a> <a href="https://www.ins-total.com/total_01/" target="_blank" title="비갱신암보험">비갱신암보험</a> <a href="https://www.ins-total.com/total_02/" target="_blank" title="비갱신 뇌혈관보험">비갱신 뇌혈관보험</a> <a href="https://www.ins-total.com/total_03/" target="_blank" title="비갱신 심장질환보험">비갱신 심장질환보험</a> <a href="https://www.insu-driver.com/" target="_blank" title="운전자보험비교">운전자보험비교</a> <a href="https://www.insu-driver.com/driver01/" target="_blank" title="운전자보험가격비교">운전자보험가격비교</a> <a href="https://www.insu-driver.com/driver02/" target="_blank" title="운전자보험료 비교">운전자보험료 비교</a> <a href="https://www.insu-driver.com/driver03/" target="_blank" title="운전자보험비교사이트">운전자보험비교사이트</a> <a href="https://www.insurance-bigyo.com/" target="_blank" title="보험비교">보험비교</a> <a href="https://www.insurance-bigyo.com/menu1/" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="https://www.insurance-bigyo.com/menu2/" target="_blank" title="암보험비교">암보험비교</a> <a href="https://www.motor-bohum.com/" target="_blank" title="다이렉트자동차보험">다이렉트자동차보험</a> <a href="https://www.motor-bohum.com/" target="_blank" title="자동차보험료비교">자동차보험료비교</a> <a href="https://www.motor-bohum.com/" target="_blank" title="자동차보험료비교견적사이트">자동차보험료비교견적사이트</a> <a href="https://www.motor-bohum.com/" target="_blank" title="자동차보험비교">자동차보험비교</a> <a href="https://www.motor-bohum.com/" target="_blank" title="자동차보험비교견적">자동차보험비교견적</a> <a href="https://www.total-bohum.com/" target="_blank" title="종합보험">종합보험</a> <a href="https://www.total-bohum.com/menu01/" target="_blank" title="종합보험비교사이트">종합보험비교사이트</a> <a href="https://www.total-bohum.com/menu02/" target="_blank" title="3대질병보험">3대질병보험</a> <a href="https://www.total-bohum.com/menu03/" target="_blank" title="종합건강보험">종합건강보험</a> <a href="https://www.wisinsu.com/" target="_blank" title="보험비교사이트">보험비교사이트</a> <a href="https://www.wisinsu.com/" target="_blank" title="암주요치료비보험">암주요치료비보험</a> <a href="http://www.cancermall.co.kr/" target="_blank" title="암보험추천">암보험추천</a> <a href="http://www.insumarket.co.kr/" target="_blank" title="보험비교">보험비교</a> <a href="http://www.insmars.co.kr/" target="_blank" title="보험비교">보험비교</a>

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