• Korean Journal of Social Welfare
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• v.57 no.4
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• pp.321-342
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• 2005

The finance of the National Health Insurance(NHI) in nearly every Nation in the world has been traditionally based on premiums of the workers and employers. But in Korea, the government has been guaranteeing financial supports to regional health corporations. After the unification of the different corporations in the NHIC, the government will not have to give financial support to the NHIC. Then this will be a serious financial challenge to NHIC, which has usually had financial deficit. The purpose of this paper is to review the problems of the premium based financing of the NHI and to exam whether such problems will be solved through the financial support from the state to the NHI. The analysis in this paper focused on five viewpoints; 1) work relatedness 2) redistribution effect 3) financial burden of business firms through the premium 4) risk pooling 5) management hegemony of the NHI. As a result, it was found that there are many problems in every five aspects and these problems could be solve through the financial aid from the state. But, it does not without any restriction mean to suggest that the financing mode of the korean NHI should be wholly transformed to a tax based financing mode. Because there are many things to be considered in oder to alter the financing mode of the NHI. Nevertheless, this paper would give a logical background to enlarge the financial aid form the state to NHI, or at least, to maintain it at a present level.

• 방재와보험
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• s.110
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• pp.12-17
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• 2005

세계무역센터 사고 이후에 심도있게 논의되고 있는 초고층 건물에서의 엘레비이터 사용의 문제점과 대책을 점검해보자. 적절한 방호대책이 수립된다면 일반인뿐만 아니라 비상상활 시에 계단을 이용할 수 없는 장애우나 노약자 등에도 유용하여 최소의 비용으로 최대의 이점을 주는 운송수단이 될 수도 있다.

• 방재와보험
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• s.116
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• pp.55-59
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• 2006

IT 자원을 장애없이 사용할 수 있는 상태를 '업무 연속성' 이라고 한다. 이 업무 연속성에선느 소방이 중요한 구성요소이기 때문에 정보기술장비의 방호를 위한 NFPA 75가 개발되었다. NFPA 75통해 얻을 수 있는 것들을 살펴보자

• 방재와보험
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• s.135
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• pp.42-47
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• 2010

첫눈이 내리고 본격적인 추위가 시작되는 계절이다. 가정과 직장에서 취급 부주위에 의한 난방기구의 화재는 조금만 주의를 기울이면 예방할 수 있고 귀중한 생명과 소중한 재산을 보호할 수 있다. 몇 가지 난방기구의 최근 화재를 소개하고 그 원인조사와 예방대책을 생각해보자.

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

• Journal of Industrial Convergence
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• v.18 no.4
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• pp.67-75
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• 2020

This study tries to understand the relationship between brand direct, oral communication, competence and insurance service's impact on the resale of insurance products and to suggest ways to efficiently repurchase insurance products. The data collected verified the suitability of the structured model and the causality of each concept, First of all, it is important to give customers an awareness that they are receiving special services for themselves that are differentiated from orthers. Second, customers want to enjoy the benefits of insurance services together by spreading the benefits of insuuance servics to people around them through oral communication. Third,the customer thinks insurance service is the competence of the insurance planner. Therefore, the professionalism of isurance services should be increased. Fourgh, insurance planners should provide customers with quilting information. Finally, an insurance company should develop insurance services that can create a mind that customers receive special services through diversification of insurance services.

• Journal of the Korea Convergence Society
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• v.12 no.1
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• pp.119-125
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• 2021

The purpose of the study was to analyzed the convergence effect of dental insurance knowledge and oral health knowledge on dental insurance recognition satisfaction of adults. Dental health insurance satisfaction recognition, "Need expand the number of treatment subjects of dental treatment" was high, "satisfied cost of dental treatment covered by dental insurance" was low. Dental insurance knowledge was high teeth whitening, orthodontic treatment. Oral health knowledge was high, "the food you eat affects your teeth.". Dental health insurance recognition satisfaction was high when enrolled in private dental insurance. Dental health insurance recognition satisfaction showed a positive correlation with dental health insurance knowledge. Collectively in order to increase the dental health insurance recognition satisfaction, systematic education on dental insurance knowledge and oral health knowledge should be provided.

• 방재와보험
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• s.124
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• pp.41-47
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• 2008

산소저감에 대한 프로젝트는 여러 가지 다른 이해관계와 의견 등을 종합적으로 고려해야 한다. 고객은 무엇보다도 안전하면서 비용적으로 효율적인 설비를 원한다. 도급자는 신기술을 신뢰하고 의지한다. 최신 기술이라도 이미 시간이 지난 것이라는 사실을 건축 계획자는 기억하지 못한다. 관할기관은 추가적 안전, 즉 비상시 보완적 수단을 원한다. 보험회사는 또 다른 위험을 감수하기를 원치 않는다. 신기술은 최첨단 기술과 신뢰할 만하고, 시험되고 인증된 설비를 반영한 문서의 초안을 요구한다. 안전요구 사항이 너무 낮다면 관할기관과 보험회사는 방화 수준을 향상시키는 것이 어렵다는 것을 지각한다. 우리는 권고사항을 알려주는 것만이 아니라 우리가 스스로 만들어낸 실수들을 부보하는 것이다. 자동차산업에서 리콜은 비용도 많이 들고 기업이미지 훼손도 심각하므로 고객들은 그들 스스로의 경험에 의지한다. 산소저감설비의 설치는 고객, 계획자, 보험회사에게 미래지향적이면서 안전한 설비를 선택했다는 확신을 심어줄 수 있다.

• The Korean Journal of Financial Management
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• v.18 no.2
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• pp.99-123
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• 2001

예금보험제도는 금융기관에 대한 예금자의 신뢰성을 보장해 주어 금융제도의 안정성을 유지시킨다는 면에서 유용한 제도이나 보험의 일반적인 속성인 도덕적 해이를 유발할 수 있다는 단점이 있으며, 이를 방지하기 위한 대안으로 예금보험료율을 금융기관의 위험에 따라 차등화 하는 위험예금 보험료율 제도가 검토되어 왔고 일부 국가에서는 이를 시행하고 있다. 위험예금보험료율을 결정하는 방안으로 그간 주가자료를 이용한 옵션가격결정모형이 주로 연구되어 왔는데, 본 연구에서는 Cox의 위험비례모형을 이용하여 은행의 위험을 측정하고 보험료율을 결정하는 방안에 관하여 연구하였다. 위험비례모형은 옵션가격결정모형과 달리 재무지표를 사용하므로 감독당국에서 실무상 적용하기가 용이하다는 등의 장점이 있다. 위험비례모형을 국내은행에 적용하여 실증분석한 연구결과 현행의 고정 예금보험료율은 국내은행의 위험에 비해 상당히 낮은 수준으로 나타났으며, 보험료율 결정에 가장 큰 영향을 미치는 변수인 은행 실패시 예금보험기구가 부담하는 손실비율을 최소화하기 위해서는 부실은행은 조기 퇴출시켜야 한다는 논리적 타당성도 도출하였다.

• 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.