G&Net Processes 4.35 Million Indemnity Insurance Claims as of Q3 This Year

3.24 Million Digital Claims Processed Without Paperwork via Integrated Healthcare Institutions

Abnormal Situation: Healthcare Data Resent by Fax Due to Insurers' Refusal to Accept Private Digital Claims

G&Net, a provider of simplified claims services for indemnity health insurance, announced on October 1 that the number of indemnity insurance claims processed through its service reached 4.35 million cases as of the third quarter of this year. Since 2020, the cumulative number of claims has exceeded 24 million.

This record for the third quarter this year is about 70% of the 6.15 million cases recorded during the same period last year. The company explained that this decrease reflects a reduction in the number of insurance companies available through some partner channels, due to major insurers suspending private claim data transmission, as well as a contraction of the service caused by the introduction of paid features.

Of the total claims filed this year, 3.24 million cases—approximately 74%—were processed electronically by consumers without the need for paper documents. The proportion of digital claims handled by G&Net continues to increase. In 2022, the share of electronic claims was around 30%. Due to increased participation in system integration by healthcare institutions and electronic medical record (EMR) service providers, the proportion rose to 68% in 2025 and reached 74% in 2026.

The digitalization of indemnity insurance claims allows consumers to file insurance claims without obtaining separate paper documents, by having healthcare institutions electronically transmit data such as receipts for medical expenses, detailed statements of medical costs, and prescriptions directly to the insurer. Along with electronic claims via integrated healthcare institutions, G&Net also offers a photo-based claims method for customers who use non-integrated healthcare institutions or have already received paper documents.

Of all claims filed this year, about 3.15 million—approximately 72%—were submitted via G&Net's 'Notification Talk' service. Notification Talk is sent to customers immediately after payment of medical bills at integrated healthcare institutions. If no additional paper documentation is required, customers can check the data sent by the institution via Notification Talk and complete their insurance claim straightaway.

Claims through Naver and Toss platforms totaled about 650,000—representing 15% of all claims—as of the third quarter this year. During the same period last year, claims through Naver and Toss numbered around 1.59 million, but usage declined as some insurers restricted claims processing following their suspension of private claim data transmission.

Meanwhile, approximately 740,000 claims, or 17% of the total this year, were processed through a paid service, which requires a transmission fee of 1,000 won to be borne by the customer. G&Net partially converted some channels to paid services from February this year in order to maintain the claims service, as additional costs such as telecommunication fees occur when medical data collected electronically is ultimately sent to insurers by fax.

A G&Net representative stated, "If insurers resume receiving private claim data, the current additional transmission costs can be reduced. We plan to revert to free services and reinvigorate the currently restricted service offerings as soon as insurers restart their data reception, so customers can use the service without additional costs."

This content was produced with the assistance of AI translation services.