On October 31st, 2013, six insurance companies including Hyundai Marine & Fire Insurance, LIG Insurance, Meritz Marine & Fire Insurance, Hanwha General Insurance, Heungkuk Fire & Marine Insurance and MG Non-Life Insurance officially rejected the decision made by Korea Consumer Agency`s Consumer Dispute Settlement Commission on September 25th, 2013 that "health insurance`s indemnity limit should be restored from the reduced amount of 50 million Korean won to the original amount, 100 million." When either party rejects the determination within 15 days since the decision is made, the meditation loses its legal effects and the applicant can take the case to the court. That is, the insurance companies` unilateral reduction of health insurance`s indemnity limit will be treated in the court. Regarding the issue, the Consumer Dispute Settlement Commission wrote this article in order to look at the decision of restoring the indemnity limit to the original state from diverse perspectives. First, we reviewed that it is hard to say that the insurers fulfill the obligation of indication and explanation that the limit of indemnity would decrease from 100 million to 50 million to insurance policy holders under the Commercial Law and the Contract Terms Regulation Act. Second, the additional rules of the Regulation on Supervision of Insurance Business, the Enforcement Procedures on Supervision of Insurance Business and Supervision Regulation are applied only to the share of cost, but not to reduction of indemnity limit. The Enforcement Procedure does not have lapse provision unlike the additional rules of the Regulation on Supervision, therefore, insurers who reduced the limit based on the above-mentioned regulations are considered to misinterpret the regulations. Lastly, the Financial Service Commission which is in charge of defective administrative activities should revoke the administrative activities with flaws to save subscribers. In addition, the Financial Service Commission should issue a new order of administrative activity to raise the indemnity limit from 50 million to 100 million Korean won according to the Clause 4 of the Article 131 of the Insurance Business Act. If insurers explained about the reduction in indemnity limit and the subscribers are aware of the fact, the reduction of the limit would become an important standard for subscribers to determine whether they subscribe the insurance policy. And if they know the fact, it is highly likely that people do not buy the insurance policy. All what mentioned above explains that insurers did not give an explanation about the fact. And it is fair to say that the marketing strategy which encourages consumers to buy the insurance policy before the policy goes out of market would not be possible and insurers could not get 600,000 people subscribed to the insurance policy within a short period of 2 months if subscribers know the fact. In addition, insurers send a notification letter about the reduction in indemnity limit when the insurance policy is renewed and did not fulfill the obligation of explanation faithfully. Therefore, under the Korean Policy Regulation Act, the reduction should not be considered as part of the renewed insurance policy or should not be included in the policy, but the insurance policy is renewed with the original insurance terms. Therefore, we determine that it was the right decision we have made in the meditation that the indemnity limit of health insurance signed on August 28th, 2009 between insurer and subscriber should stay at 100,000,000 won.