• Journal of the Korea Convergence Society
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• 제9권5호
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• pp.157-169
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• 2018

The purpose of this study is to investigate the effect of voluntary purchasing motives on insurance consumer satisfaction. The purpose of this study is to investigate the direct and indirect effects of insurance consumption satisfaction including psychological needs of consumers that induce voluntary purchase motivation based on psychological self-determinism theory. The research hypotheses and models were verified through structural equation analysis using online surveys of 1,225 insurance consumers. As a result of the study, the satisfaction of insurance consumption is increased when purchasing by voluntary purchase motive, in which consumers perceive the necessity of purchasing themselves. The positive perception of insurance consumption autonomy and insurance consumption environment increases the motivation to purchase voluntarily, Respectively. Through this study, it is suggested that excessive marketing of insurance companies and self-confidence of insurance consumers may hinder insurance consumption satisfaction and education of consumption attitudes of financial consumers to raise awareness of autonomous rights and responsibilities of insurance consumers.

• Journal of Service Research and Studies
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• 제11권1호
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• pp.31-44
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• 2021

The net function of the domestic medical insurance system is highly regarded, but due to the problem of incomplete coverage, the public wants to secure coverage through private medical insurance subscription. As a result, the subscription rate of private medical insurance has recently increased, and the billing rate has also increased. As the number of people seeking private medical insurance increased, workers at private medical insurance companies are experiencing increased job stress and side effects, especially for insurance reviewers who are in charge of paying insurance, such as communicating with customers who claimed insurance and contributing to the company's profit. In response, this study analyzed the effects of job stress on mental health of insurance reviewers and conducted a descriptive survey study to reduce job stress of insurance reviewers and promote mental health. The analysis shows that job stress for insurance reviewers has a significant impact on mental health (+). In detail, job stress has a significant impact on all four factors: social performance and self-confidence, depression, sleeping disturbance and anxiety, and general well-being and vitality. This study showed that job stress in insurance reviewers has a significant (+) impact on mental health. Job stress can cause side effects in organizational aspects, such as reducing enthusiasm for job performance and increasing turnover and resignation rates, but it can also worsen individual physical health and cause diseases such as depression and anxiety, causing mental health to be impoverished. Therefore, in order to prevent this, appropriate work stress prevention methods and countermeasures should be provided to help reduce work stress and improve mental health.

• Communications for Statistical Applications and Methods
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• 제15권4호
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• pp.551-562
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• 2008

The loss reserve is defined as a provision for an insurer's liability for claims or an insurer's estimate of the amount an individual claim will ultimately cost. For the estimation of the loss reserve, the data which make up the claims in general is represented as run-off triangle. The chain ladder method has known as the most representative one in the estimation of loss reserves based on such run-off triangular data. However, this fails to capture change point in trend. In order to test of structural changes of development factors, we will present the test statistics and procedures. A real data analysis will also be provided.

• 건강소식
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• 제39권9호
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• pp.18-19
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• 2015

학업 스트레스와 불규칙한 식습관으로 인해 10대 위염환자가 늘고 있다. 이는 국민건강보험공단의 '건강보험 진료비 지급' (2008~2012) 자료를 통해서도 드러나고 있는데, 그 결과를 보면 10대 위염환자 증가율이 전체 평균 3%의 두 배가 넘는 7.3%에 이르고 있다. 위염을 방치할 경우 위궤양 등 더 큰 병으로 발전할 수 있기 때문에 다음의 내용을 참고하여 위염으로부터 건강을 지킬 수 있도록 하자.

• 방재와보험
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• 통권132호
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• pp.56-59
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• 2009

화정(火正)은 중국 고대에 불을 관장하던 관리를 말한다. 주요 직책은 화재 예방이나 소방 등 불의 관리를 주관하는 것으로서 소위 '화정'(火政)이라고도 한다. "한서(漢書)"의 화정에 관한 해석을 볼 때, 중국 고대에 불을 관리한다는 것이 국가를 통치하는 중요한 일이었음을 보여준다. 따라서 화정을 맡는 사람은 절대로 보통 사람일 수 없다. 사서의 기록과 민간전승에 근거할 때, 상고 시대에 있었던 네 명의 화정을 살펴볼 수 있다. 지위가 가장 혁혁한 화정은 당연희 황제의 반열에 있는 '염제'(炎帝)를 들 수 있다.

• 방재와보험
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• 통권121호
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• pp.44-50
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• 2007

오히려 장애는 우리 모두의 삶에서 어느 특정한 시기와 관련한다. 어떤 이들에게 그것은 일시적일 수 있고, 또 다른 이들에게는 훨씬 더 길 수 있다. 우리 모두가 삶의 어느 순간에 장애인이 될 수 있다. 이것이 우리의 건축 환경과 프로그램에 대하여 다시금 진지하게 생각하고 규정하는 선견지명을 가져야 하는 이유이다.

• Journal of the Korean Society of Radiology
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• 제12권7호
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• pp.869-877
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• 2018

This study analyzed the current status of MRI (frequency, amount of treatment) based on the history of application of the MRI health insurance benefit standard and health insurance claim data. MRI examinations began as a health insurance benefit in 2005. In 2005, the indications were restricted for some diseases, but coverage for benefits in 2010, 2013, 2016, and 2018 was expanded. In 2021, the Ministry of Health and Welfare decided to apply health insurance for all MRI examinations. From 2010 to 2017, the number of MRI examinations increased by 86.7% in 2017 compared to 2010, and the amount of treatment increased by 53.5%. According to general characteristics, the number of MRI examinations was higher in women than in men. By age, the number of examinations was the highest among ages 70-79. Outpatient examinations were more frequent than inpatient examinations, and the number of examinations in the tertiary hospitals was the highest among the types of hospitals. The number of brain MRI examinations was the highest in each exam site. In December 2013, the standard of MRI was expanded for heart disease and Crohn's disease, the number of cardiac MRI and abdominal MRI examinations increased in 2014 compared to 2013. However, the number of examinations is small and not associate with the disease, it would be difficult to say that it affected the increase in the total number of MRI examinations. To assess health insurance sustainability and policy effectiveness, monitoring will be necessary.

• The Journal of the Korea Contents Association
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• 제16권7호
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• pp.190-206
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• 2016

This study explores the meaning of life insurance planner's job experiences achieving job security, high performance and high income. After 6 of life insurance planners working in the field were chosen as the study participants, we use narrative approach to studying the meaning of their job experiences. The study shows that perception about job competency of planners depends on the level of experience: candidates who had no experience at all feel that anyone can perform planner's job, new employees after introduction training program see planners can do with product knowledge and consulting competency, and experienced people admit they can perform successfully only when they have good attitude towards customers and do all their work in a conscientious manner. Also, the meaning of planner's job experiences is identified as awareness of work value and serving customers with their commitment. The anticipated factors that make planner's job performed successfully are playing a role as a teacher, doctor, and angel, being regarded as happiness preacher for economic stability of individuals and families, and displaying their performance as experts.

• Journal of Labour Economics
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• 제30권1호
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• pp.55-83
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• 2007

This paper examines the welfare aspects of loan-based self-insurance against unemployment, and discusses the scope of government intervention in its provision. This paper deals with these issues in a model where the individuals may experience unemployment shocks frequently to leave little savings for retirement, so that the government may have to provide them with unemployment and retirement insurance benefits during their unemployment and retirement, respectively. We identify the two interesting features in the model: the externality that the self-insurance exerts, upon other social insurances, and the incentive of private sector to provide loans that exerts the externality upon other social insurances. In particular, this paper shows that, although the inefficiency associated with private loan warrants the government provision of loans to unemployed workers, the over-incentive of the private sector to offer loans may reduce the scope of the government intervention. This paper also shows that, unless the inefficiency associated with private loans is high, the private incentive for loans would reduce welfare because of the externality generated by private loans.

• The Korean Journal of Financial Management
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• 제16권2호
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• pp.309-335
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• 1999

본 연구는 KOSPI 200 선물을 이용하여 옵션복제방식에 의한 포트폴리오 보험전략을 구축하고 KOSPI 200 지수와 KOSPI 200 구성주식의 일부로 이루어지는 개별 포트폴리오들을 대상으로 실증분석을 하였다. 본 연구의 결과에 의하면, 포트폴리오 보험전략의 성과는 헤지의 대상이 되는 현물포트폴리오별, 보험수준별, 재조정 기준별로 차이가 있는 것으로 나타났다. KOSPI 200 지수포트폴리오에 대한 헤지는 대체로 약세시장에서 포트폴리오 가치하락을 감소시키면서 시세상승에 편승할 수 있는 것으로 나타났다. KOSPI 200 구성주식의 일부로 이루어진 포트폴리오에 대한 헤지는 수익성이 높고 베타값이 높으면서 시가총액이 큰 제조업이나 전기통신업에 속하는 기업의 주식으로 포트폴리오가 구성되었을 때 대체로 헤지성과가 높았다. 또한 KOSPI 200 지수포트폴리오는 보험수준을 낮게 할수록 헤지성과가 높은 것으로 나타난 반면, KOSPI 200 구성주식의 일부로 이루어진 포트폴리오의 경우에는 보험수준과 헤지성과간의 관계가 일정치가 않았다. 재조정 기준별로는 3% 재조정 기준을 적용하였을 때 헤지성과가 가장 높았으며, 가장 빈번하게 재조정을 해야하는 일별 재조정 기준에 의할 경우는 거래비용이 상대적으로 높았다.