Flu Season Hits Early, Leading to Surge in Children's Insurance Claims

The early onset of the flu season has led to a rapid increase in insurance claims related to flu treatment for children.

According to Kakao Pay Insurance, an analysis of antiviral treatment cost claims revealed that the number of claims for elementary and middle school insurance increased approximately 5.9 times from week 35 (August 23-29) to week 40 (September 27-October 3). Claims for infant insurance rose about 4.2 times during the same period.

The proportion of flu treatment costs within total insurance payouts has also significantly increased. In September of last year, flu treatment accounted for 8.3% of total claims for elementary and middle school insurance, but this figure surged to 44.6% this September, a rise of 36.3 percentage points. For infant insurance, the proportion increased from 6.5% to 45.2%, nearing half of all claims.

This increase in claims aligns with the actual spread of the flu outbreak. According to the Korea Disease Control and Prevention Agency, the number of suspected flu cases rose from 13.3 per 1,000 outpatient visits in week 35 to 33 per 1,000 in week 39 (September 20-26). This is approximately 3.7 times higher than the same period last year, which recorded 9 cases.

The flu is spreading rapidly, particularly among younger age groups. In week 39, the number of suspected flu cases among children aged 7 to 12 was the highest among all age groups, at 61 per 1,000 outpatient visits. For children aged 1 to 6, the figure was also high at 49.6.

A representative from Kakao Pay Insurance stated, "Elementary and middle school insurance, as well as infant insurance, are designed to provide essential coverage for common illnesses and accidents that children frequently experience, including seasonal diseases like the flu. We will continue to enhance our coverage and services to adapt to children's growth stages and changing environments."