• The Journal of the Korean life insurance medical association
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• v.21
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• pp.173-181
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• 2002

• The Journal of the Korean life insurance medical association
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• v.21
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• pp.149-156
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• 2002

• The Journal of the Korean life insurance medical association
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• v.21
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• pp.157-171
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• 2002

• Journal of the Korean Data and Information Science Society
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• v.24 no.1
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• pp.1-12
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• 2013

In this paper, we introduce a continuous-time risk model where the surplus follows a diffusion process with positive drift while being subject to two types of claims. We assume that the sizes of both types of claims are exponentially distributed and that type I claims occur more frequently, however, their sizes are smaller than type II claims. We obtain the ruin probability that the level of the surplus becomes negative, by establishing an integro-differential equation for the ruin probability. We also obtain the ruin probabilities caused by each type of claim and the probability that the level of the surplus becomes negative naturally due to the diffusion process. Finally, we illustrate a numerical example to compare the impacts of two types of claim on the ruin probability of the surplus with that of the diffusion process in the risk model.

• Fire Protection Technology
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• s.26
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• pp.6-11
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• 1999

• Journal of Korea Port Economic Association
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• v.30 no.4
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• pp.111-130
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• 2014

The article 742(2) of the Korean Commercial Code allowed the third party to invoke a direct action against the insurer under a liability insurance. Meanwhile, the owners of the vessel enter into the P&I Insurance Contract with the P&I Club to indemnify all kinds of liability or expenses involved in the operation of its vessel. However, the Rule Book under the P&I Insurance mostly included the Pay to be Paid Clause which precludes the third party's direct action. Recently, the Seoul Central District Court passed a judgement on the validity of the Pay to be Paid Clause under the Korean law against the third party i.e. the cargo insurer having the right of subrogation. The court held that (1) the third party's right of direct action is not the right to claim insurance money but the right to claim damages against the P&I Club, (2) the insurer under a liability insurance is deemed to assume liability jointly and severally with the insured against the third party, (3) the Article 742(2) of the Korean Commercial Code is considered as a compulsory provision because it was invented to protect the innocent third party, the Paid to be Paid Clause is thus null and void. The purpose of this article is to evaluate the appropriateness of this court's judgments by comparative analysis of Korean and English law, and to suggest the relevant amendments of the Korean Commercial Code in order to prevent further legal disputes. The article criticizes the decision of the Seoul Central District Court, taking the attitude that, since the third party's right is the right to claim insurance money, the Paid to be Paid Clause is valid against the third party.

• 한국IT서비스학회:학술대회논문집
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• 2010.05a
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• pp.9-16
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• 2010

대한민국의 의료보험은 크게 국가에서 운영하는 국민건강보험과 국민이 선택적으로 가입하는 민간의료보험으로 나눌 수 있다. 국민건강보험과는 달리 민간의료보험 청구와 정산은 각 보험사별로 이루어지고, 또한 그 절차도 각자 독자적인 방법과 순서를 따라 진행되어 보험가입자의 불편 해소 및 업무의 효과적 추진을 위한 방안이 모색되어왔다. 이에 민간의료보헙협의체(KPPO)에서는 2009년부터 HNIP의 바로One 서비스를 통하여 병원, 보험회사, 보험가입자를 연계하는 보험 청구 및 지원서비스를 개발하여 운영하고 있다. 의료기관-보험사-보험가입자를 연계하는 전략적 협력 융합 서비스 구축을 토대로, 기존에 서로 연계되지 않고 오프라인으로 진행되던 보험금 청구 프로세스를 효과적이고 체계적인 관계로 발전시켰다. 그리고, 다자간의 새로운 정보 유통망의 구축 및 융합 서비스를 통하여 업무의 표준화, 다자간의 관련 업무 프로세스의 효율화를 도모하였다. 이러한 융합서비스를 통하여 규모의 경제, 고객의 편의 및 만족 증대, 기업의 사회적 책임 달성, 신뢰의 구축 등 융합서비스 구축의 다양한 시너지효과를 기대한다.

• The Journal of the Korea Contents Association
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• v.18 no.5
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• pp.167-174
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• 2018

Japanese state has continuously tried to adapt itself to the social demands coming from rapidly greying population. Japanese government introduced the new social insurance system of elderly care, i.e. Long term Care Insurance with epoch-making changes in the Japanese welfare system. The most important aspects of the new system can be summarised as follows: 1) social insurance system of obligatory entry with paying premiums and co-payment 2) emphasis on the customer choice, competition, flexibility, free-market, relaxation of the regulation. This characteristics brought unexpected results of the emergence of ethnicity-centred contents of welfare services. As a selling point in freemarket and as a countermeasures against expected ethnic disadvantages, the Korean ethnic organisations brought the ethnic elements resulting in the diversified Japanese welfare services.

• The Korean Journal of Applied Statistics
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• v.26 no.3
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• pp.531-547
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• 2013

Multiple life models are useful in multiple life insurance and multiple life annuities when the payment times of benets in these insurance products are contingent on the future life times of at least two people. A reverse mortgage is an annuity whose monthly payments terminate at the death time of the last survivor; however, actuaries have used female life table to calculate monthly payments of a reverse mortgage. This approach may overestimate monthly payments. This paper suggests a last-survivor life table rather than a female life table to avoid the overestimation of monthly payments. Next, this paper derives the distribution of the future life time of last survivor, and calculates the expected life times of male, female and last survivor. This paper calculates principal limits and monthly payments in cases of male life table, female life table and last-survivor life table, respectively. Some numerical examples are discussed.

• Proceedings of the Korean Operations and Management Science Society Conference
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• 1995.09a
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• pp.293-294
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• 1995

최근 보험회사의 경영환경은 WTO체제의 출범과 OECD가입으로 국제화, 개 방화, 자율화의 방향으로 바뀌고 있어 생존전략의 필요성이 과거 어느 때보 다 강조되고 있다. 특히 자동차 보험은 높은 사고발생률과 낮은 보험료 수준 으로 만성적인 적자가 심화되고 있는 상황이며 가격자유화의 단계적 시행을 앞두고 있어 자동차 보험 보상처리 업무는 보험업계에 있어 핵심 프로세스 로 등장하게 되었다. 즉, 자동차 보상 처리 프로세스를 리엔지니어링 함으로 써 고객에게는 만족한 서비스를 제공하고 기업의 입장에서는 손해율을 개선 하고 적정한 보험금을 지급함으로써 시장점유율 확대와 기업의 수지에 결정 적인 기여를 할 수 있게 된다. 자동차 보상 프로세스의 혁신 내용은 크게 세 가지로 구성되어 있는데 고객을 위한 초일류 보험서비스 제공, 자동차보험 손해율의 획기적 개선, 그리고 앞서가는 최고의 경영관리시스템이다. 각 혁 신내용별 혁신모듈을 살펴보면 다음과 같다.