Chapter 208

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Translated by Heavenly Cat

Read it only at Novelbyu.com & Utoon.net

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“Gwangwoon is doing what?”

UHIP.

It was the largest insurance association existing in America.

When insurance companies want to lobby political circles, they must go through UHIP, and top-tier insurance companies are all members here.

So people call UHIP this.

A massive insurance cartel.

“They say Gwangwoon plans to set up an insurance company servicing both Korea and America this time.”

I know why the association suddenly convened an emergency meeting.

A stone rolled in from somewhere to pull out the embedded stone.

The problem is the size of the stone is too massive.

“Well, isn’t Gwangwoon the leader of financial cartels. Not just finance. Their business extends in all directions, so isn’t it rather strange that insurance entry happened only now?”

Gwangwoon entering insurance business was indeed something enough to threaten them.

Honestly it wasn’t surprising.

If it’s Gwangwoon, they could step into insurance work called cash cow anytime.

“If they were just entering normally, I wouldn’t have convened a meeting like this either.”

Carlson, who served as UHIP Chairman, had a dark expression.

“Gwangwoon says they plan to recruit members at the cheapest price in America and Korea under the justification of helping vulnerable groups. And they plan to cooperate with Aiden administration’s Aiden Care to expand usage range.”

“Cheapest price?”

“Yes. It will probably be a price we dare not even match. They plan to steal all our precious customers in that way.”

Even to that point, they didn’t really feel a sense of crisis.

“They said it’s only for vulnerable groups anyway, right? Looking at the document here, it looks like they really intend to do charity business? Plus if they make the price incredibly cheap and give out insurance money, isn’t it only Gwangwoon’s loss? Why are we stopping them when they want to burn money on their own?”

“Right now they probably decorate it as charity business for vulnerable groups. But the opponent is Gwangwoon. Don’t people here know well what kind of company Gwangwoon is?”

Gwangwoon is a cartel in its existence itself.

They aren’t strong because they allied with someone.

Just by itself, by its weight class alone, it was already massive.

“Gwangwoon sets up an insurance company really to help vulnerable groups? That makes no sense. If anything they would exploit vulnerable groups, they aren’t a place to do work where the company gets taken for a fool.”

A place that does anything to make money, to make company profit.

Even if that is harming many people’s lives, Gwangwoon doesn’t blink an eye.

“Such a place wouldn’t commit this crazy act to sincerely help vulnerable groups.”

Looking just at this document, Gwangwoon’s current action was indeed a crazy act.

Paying hospital bills receiving only minimum insurance payouts for vulnerable groups!

Doesn’t this smell strongly of conspiracy to anyone?

“Then this is merely bait?”

“Yes, Gwangwoon wouldn’t suddenly become saints helping people, so this is just making justification. Isn’t Gwangwoon terrible at things like that?”

Gwangwoon is a place that does image making really well.

People don’t know how terrifying a group Gwangwoon is.

At least only people in the industry know.

The problem is even if exposing that reality, no one listens.

“There’s also Gwangwoon holding tight to SNS and media companies, and I heard even famous communities are all run by Gwangwoon. So even if exposing, the posts get buried. Naturally doesn’t even appear on SNS and media.”

“The biggest problem is even if it appeared, people don’t believe it. Maybe because there are so many conspiracy theories related to Gwangwoon, and it looks absurd to others, they believe it’s just fiction.”

Even that must be intended by Gwangwoon.

If spreading conspiracy theories to the public a lot, people are interested at first, then dismiss it as just fiction later.

“Meaning, even if telling hundreds, thousands of times that Gwangwoon is doing all sorts of things to dominate this world, people don’t listen.”

“Plus they do so much charity business that to ordinary people Gwangwoon is no different from an angel enterprise.”

That’s why they are nasty guys.

Isn’t this truly the devil wearing an angel’s mask mentioned in the Bible?

“Initially they will play the media saying they receive only vulnerable groups and do image making, but at some moment they will receive general customers too. At a very cheap price too. Usually they can’t handle that cost and suffocate to death, but Gwangwoon is different. They have power to endure until insurance companies dry up and die.”

Gwangwoon is a breed that can’t endure unless monopolizing any field.

Those guys were clearly planning to dry up opponents with price to pacify the insurance industry.

“Why on earth? Why does Gwangwoon suddenly want to enter and control our insurance industry?”

“I hear Gwangwoon is currently planning a large project, and it seems directly related to this insurance. If they control insurance, people have no choice but to do as Gwangwoon says for treatment.”

“These vicious bastards!”

In a way, I thought it was a company exactly fitting the insurance industry.

Doesn’t everyone know the viciousness of insurance cartels?

“Then what are you proposing?”

“We must stop it. Block Gwangwoon entering the insurance industry under the pretext of disturbing the market, or if we can’t stop entry, make our contracted hospitals unable to accept Gwangwoon Insurance. We must stop Gwangwoon somehow.”

Everyone agreed with the Chairman’s opinion.

A rolled-in stone trying to pull out the embedded stone and snatch their rice bowl—who would watch that quietly?

“But Chairman. What if, really what if Gwangwoon created the insurance company with a pure heart to help vulnerable groups?”

At someone’s words, the meeting room turned into a sea of laughter.

“Your delusion is severe. There’s no way Gwangwoon would do that, right? Why would those devil-like guys help people?”

“That’s… True. Haha.”

“Anyway, mobilize all lines everyone possesses. If we don’t stop Gwangwoon’s insurance entry, we will become the same fate as other companies eaten by Gwangwoon.”

***

I want to help as many people as possible.

Because I believe earning this much money with this special ability is heaven’s will to become a big help to society.

“Is this that statistics?”

“Ah, yes. President. It is statistics regarding health insurance in America and Korea.”

Our country is the country where health insurance is best established.

Enough that many people praise it saying just this is being blessed.

Enjoying best benefits with small premiums.

However America was the complete opposite.

One must pay hundreds to thousands of dollars in insurance premiums a month, and if without insurance, must handle hospital bills in hundreds of millions.

Even if having insurance, if going to a hospital where it doesn’t apply, the premiums paid meanwhile become useless for anything.

“Plus compared to 2022, current payment refusal rate rose a whopping 2 times.”

“2 times?”

“Yes. Premiums rise murderously, but refusal rate rose simultaneously. Not only that, large insurance companies are fiercely introducing AI systems these days. AI decides whether to pay insurance money or not.”

I tilted my head there.

No matter how much AI is developing these days, AI can decide all those complex insurance procedures?

“They say error probability is a whopping 90%. Despite knowing this fact, insurance companies are still using that AI version. Because of this, refusal rate is continuing to rise.”

They said insurance cartels are devil groups.

I felt like I knew why such words came out.

“Especially vulnerable groups often don’t have insurance at all. Aiden administration is putting forward Aiden Care to sign them up, but the problem is laws are different by state, and coverage range is different, so cases of receiving no benefits at all are many.”

Because of Insurance Association’s check.

If Aiden Care activates, their profits fall, so they block people from receiving benefits through lobbying.

“Truly no separate devil.”

“Yes. Premiums rise and refusal rate rises, and as blind spots according to that increase, drug addiction runs more rampant.”

To treat drug addiction one must go to hospital. However since insurance companies don’t pay hospital bills, treatment becomes impossible.

Also if not using drugs recommended by insurance company, that also doesn’t get insurance claim.

The problem is painkillers provided by insurance companies are mostly narcotic, so cases of falling into drug addiction due to that are many.

“What about our country?”

“Still our country is at a level much better than America. National health insurance system is prepared to care well for even vulnerable layers. Of course, despite that, there are many suffering difficulties.”

Since it’s a pilot operation for now, I intended to manage our country centrally first.

Shouldn’t our country be top priority than other countries?

“And this is the list of companies belonging to the insurance association currently controlling America. Arranged in order of largest revenue companies.”

What to say.

Looking at this list, it feels exactly like listing names of devils.

Just as I was about to look roughly and pass.

“!?”

A roar shaking my body rang in my head.

“President?”

“Are you perhaps dizzy again?”

Before employees overreacted, I grabbed my shaking head.

“I’m okay.”

What was that sound just now.

It sounded like a gunshot.

“…?”

But after that sound, company names written in the document started twinkling in respective colors.

Emitting all red energy was unusual.

“…..”

I touched companies on the list one by one.

Intuition sent feelings to fingertips as if whispering to me.

Handling intuition for a long time, I felt I knew what this level of feeling meant.

“Could you find out how stock prices of insurance companies here are?”

***

Should I say AI is certainly changing the world.

These days products attaching AI if doing anything come out a lot, and the trend was systems changing to AI too.

Also applying that AI automatic screening actively in airports, the world was slowly turning centered on AI.

However that AI automatic screening wasn’t unconditionally almighty.

If there is a place needing AI’s ability, there must be a place needing human judgment.

Insurance was one of them.

But companies crazy for money were inserting AI automatic screening into insurance and increasing refusal rate exponentially.

“…..”

A man breathing deep alone in hotel restroom wearing a hood.

He vowed several times before coming here but.

Trying to put into action, hands trembled and heart beat fast.

Should I stop even now?

No. If not now, never.

Click-.

He took out a gun made with 3D printer from bag.

And inserted three prepared bullets into magazine one by one.

On one bullet Delay.

On another Deny.

On the last one Depose.

Thus he wrote three words on each bullet.

“Whew…”

Finishing mental preparation, the man left restroom and headed to lobby.

Indeed the target was standing there.

A figure becoming the center of AI automatic screening controversy and CEO of America’s largest insurance company.

The man took out the firearm put in pocket.

Even when his waist was shattered and writhing in pain.

Even when mom was in hospital care and begged to please save her at that massive hospital bill.

Insurance company didn’t listen to a single word and hit refusal with AI automatic screening, literally depriving their rights.

“…”

No matter such grudge, shooting a gun at a person is not easy.

Sweat flowing on forehead blocked vision, but was it because stored resentment was bigger than guilt of murder?

Bang-!

Three gunshots rang in the hotel lobby.