• Journal of Digital Convergence
• /
• v.14 no.4
• /
• pp.231-237
• /
• 2016

The private health insurance covers areas that are not covered by the national health insurance to reinforce insurance guarantee. Realistically, however, many people renunciate small sum insurance claims because the inconvenient claim procedures require a certificate from the hospital for resubmission to the insurance company, which is very time consuming. Therefore, One-stop insurance payout claiming system that is capable of one stop processing of the issuance of e-page safer technology-based certification to claiming of insurance payout by utilizing authorized electronic address (#-mail) through the utilization of private information concealment technology and identification certification technology for the convenience of the subscribers and the simplification of operation was developed.

• The Korean Journal of Applied Statistics
• /
• v.24 no.2
• /
• pp.279-292
• /
• 2011

Credibility theory is one of the most important theories of actuarial science to calculate the proper insurance premium. In this paper, the rule of relative exposure volume, the square root rule, the B$\"{u}$hlmann credibility and B$\"{u}$hlmann-Straub credibility with the basic concept of credibility have been introduced, Also, we estimate new premiums based on these methods for real data. As a result, the rule of relative exposure volume provides the highest accuracy.

• The Journal of the Korea institute of electronic communication sciences
• /
• v.19 no.3
• /
• pp.577-582
• /
• 2024

In 2007, the first domestic pet insurance policies were introduced, and by 2023, numerous insurance products had been developed. The pet insurance market has been expanding steadily. However, as of 2022, only 0.8% of all pet owners have subscribed to pet insurance. Pet owners hesitate to enroll in pet insurance due to expensive premiums, unclear coverage details, and strict enrollment criteria. This paper proposes a model capable of detecting pet eye diseases and predicting their health age. Initially, EfficientNet is employed to identify the pet's eye disease, while OpenCV is utilized to locate and measure the size of the disease, enabling the calculation of the pet's healthy age. By leveraging the calculated health age, the aim is to aid insurance companies in determining pet insurance premiums. This model can facilitate the calculation of reasonable pet insurance rates based on the pet's eye condition and health age. Ultimately, the objective is to implement a system capable of detecting pet eye conditions and predicting their health age.

• The Safety technology
• /
• no.204
• /
• pp.56-57
• /
• 2014

• 월간 기계설비
• /
• s.169
• /
• pp.11-13
• /
• 2004

• 월간 기계설비
• /
• no.2 s.199
• /
• pp.28-32
• /
• 2007

국가를 당사자로 하는 계약에 관한 법률 시행령 및 동법시행규칙이 개정되어 2006. 12. 29일자로 공포ㆍ시행됨에 따라 국가계약법령 관련 회계예규도 개정되었다. 이번 회계예규는 국민건강보험료 및 국민연금보험료 사후정산제도 도입 등 지난 해 대한설비건설협회가 총력을 기울여 건의한 내용이 포함되는 등 주요 내용이 제·개정되었다.

• Communications for Statistical Applications and Methods
• /
• v.17 no.5
• /
• pp.713-724
• /
• 2010

Calculating or estimating the proper insurance premium is very important decision making process for both the policyholder and the insurance company. The credibility theory is one of the most important theories in actuarial science to get the proper premium. In this research, we introduce the rule of relative exposure volume, the square root rule and the B$\ddot{u}$hlmann credibility, and estimate the new premiums based on these methods. By real data analysis, the accuracy of these credibility methods are compared.

• 방재와보험
• /
• s.58
• /
• pp.60-64
• /
• 1993

본 자료는 특수건물이 신체손해배상 특약부 화재보험에 가입하면 풍수재로 인한 손해를 별도의 보험료 부담없이 담보토록 확대된 1984년부터 1993년까지 9년간의 풍수재해 1,960 건을 중심으로 본 협회가 풍수재해 현황을 분석, 발간한 "풍수재 위험관리"중에서 발췌한 것이다.

• KDI Journal of Economic Policy
• /
• v.33 no.2
• /
• pp.111-143
• /
• 2011

As the 'jobless growth' is developing into a worldwide phenomenon, many countries try to recover a virtuous relationship between the growth and employment using various wage subsidy programs. This study focuses on wage subsidy to employers, labor demand-side wage subsidy for which one can think of two types-a tax credit(a flat wage subsidy) and a social insurance premium exemption(a proportional wage subsidy). For job creation, Korean government reintroduced a tax credit to small and medium-sized enterprises(SMEs) which have increased their employment level in 2010. But many experts has continuously insisted that it should be replaced with a social insurance premium exemption arguing only a few SMEs benefit from the tax credit as most of them are actually not paying any corporate or general income tax bills. However, as the insurance premium exemption accompanies an increase in the amount of budget with the coverage widen, one cannot confirm its cost effectiveness over the tax credit. This paper aims to provide a theoretical analysis to derive some formal conditions under which a social insurance premium exemption creates more jobs than a tax credit does given a budget constraint. We show that the former's dominance over the latter depends on whether there exists a dead zone of social insurance or not. If there does not exist a dead zone, a social insurance premium exemption is more desirable in many cases, whereas one cannot guarantees its dominance over a tax credit if there exists a dead zone. Therefore in order to realize its dominance, the government should minimize a dead zone so that most SMEs effectively benefit from the insurance premium exemption. In addition, applying discriminative exemption rates which reflect each firm's job conditions such as wage level and labor demand/supply sensitivity, the government try to enhance job creation effect.

• Proceedings of the Korean Operations and Management Science Society Conference
• /
• 2006.05a
• /
• pp.1667-1676
• /
• 2006

다른 산업과 달리 병원/의료 산업에서는 건강 보험료 심사 평가라는 독특한 검증 과정이 필수적으로 있게 된다. 건강 보험료 심사 평가는 병원의 수익 문제 뿐 아니라 적정한 진료행위를 하는 병원이라는 이미지와도 맞물려 매우 중요한 분야이며, 특히 대형 종합병원일수록 이 부분에 많은 심사관련 인력들을 투입하여, 병원의 수익과 명예를 위해서 업무를 수행하고 있다. 본 논문은 이러한 건강보험료 청구 심사 과정에서, 사전에 수많은 진료 청구 건 중 심사 평가에서 삭감이 될 수 있는 진료 청구 건을 데이터 마이닝을 통해서 발견하여, 사전의 대비를 철저히 하고자 하는 한 국내의 대형 종합병원의 사례를 소개하고자 한다. 데이터 마이닝을 적용함에 있어, 주요한 문제점 중의 하나는 바로 지도학습 기법을 적용하기에 곤란한 데이터 불균형 문제가 발생하는 것이다. 이런 불균형 문제를 해소하고, 비교 조건 중에 가장 효율적인 삭감 예상 진료 건 탐지 모형을 만들어 내기 위하여 데이터 불균형 문제의 기본 해법인 과, Sampling 오분류 비용의 다양하고 혼합적인 적용을 통하여, 적합한 조건을 가지는 의사결정 나무 모형을 도출하였다.