• Journal of the Korea Academia-Industrial cooperation Society
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• v.18 no.9
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• pp.386-394
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• 2017

The purpose of this study was to investigate how employed dental hygienists (graduates) and alumni are aware of dental health insurance and how to organize their classes for running efficient dental health insurance courses, and therefore to suggest opinions on the introduction of professional dental hygienist qualifications. The analyses was carried out using IBM SPSS Statistics 24.0. Sixty-nine students (56.1%) preferred one semester dental health insurance course as two semester courses and 63 students (51.2%) preferred theoretical course as practical course. Ninety-six (78%) students preferred dental health insurance claimants as others for their most necessary certification. Ninety-three dentists (75.6%) thought of the dental hygienist as the appropriate occupation for dental health insurance claims. The correlation coefficient was significant at the 0.01 level (both sides) and all showed a positive correlation. The effect of subjective understanding of dental health insurance and the perception of dental health insurance claim on students' intention to complete those courses explained 32% of the response, and the effect of the intention to complete those courses on the willingness to earn a certificate explained 22.3%. This study reveals the willingness of students to complete those courses to acquire qualifications in order to achieve a competitive advantage in employment, and suggests the necessity of institutional improvements such as changing the method of dental insurance education, varying the class time distribution, and introducing dental health insurance professional dental hygienist qualification in the country.

• The Korean Journal of Applied Statistics
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• v.30 no.3
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• pp.363-376
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• 2017

The insurance market is saturated and its growth engine is exhausted; consequently, the insurance industry is now in a low growth period with insurance companies that face a fierce competitive environment. In such a situation, it will be an important issue to find the probability distributions that can explain the flow of insurance claims, which are the basis of the actuarial calculation of the insurance product. Insurance claims are generally known to be well fitted by lognormal distributions or Pareto distributions biased to the left with a thick tail. In recent years, skew normal distributions or skew t distributions have been considered reasonable distributions for describing insurance claims. Cooray and Ananda (2005) proposed a composite lognormal-Pareto distribution that has the advantages of both lognormal and Pareto distributions and they also showed the composite distribution has a higher fitness than single distributions. In this paper, we introduce new composite distributions based on skew normal distributions or skew t distributions and apply them to Danish fire insurance claim data and US indemnity loss data to compare their performance with the other composite distributions and single distributions.

• Journal of Digital Convergence
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• v.20 no.2
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• pp.241-250
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• 2022

Due to the COVID-19 pandemic, with increased 'untact' services and with unstable household economy, the bike insurance fraud is expected to surge. Moreover, the fraud methodology gets complicated. However, the fraud detection model for bike insurance is absent. we deal with the issue of skewed class distribution and reflect the criterion of fraud detection expert. We utilize a balanced random-forest algorithm to develop an efficient bike insurance fraud detection model. As a result, while the predictive performance of balanced random-forest model is superior than it of non-balanced model. There is no significant difference between the variables used by the experts and the confirmatory models. The important variables to detect frauds are turned out to be age and gender of driver, correspondence between insured and driver, the amount of self-repairing claim, and the amount of bodily injury liability.

• Journal of the Korean Society of Radiology
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• v.81 no.5
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• pp.1038-1052
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• 2020

Advancements of medical care with the use of new medical technologies have been promoting public health, but they can also place a financial burden on individuals and the country. Since the introduction of the health insurance system in 1977, the South Korean government has been attempting to control medical expenses. Radiological examinations have been a major target for cost reduction. Meanwhile, the radiological report fee has been combined with the technical fee for a long time; hence, its value has not been independently evaluated, and was also decreased proportionally with examination cost reduction. However, in the revised medical fee estimation system for MRI, the report fee has begun to be calculated separately from the technical fee, significantly contributing to the evaluation of the radiologists' work value. In conclusion, radiologists need to know and actively participate in the process of determining the insurance cost of radiological examinations and reports to get a proper value of their professionalism.

• The Korean Journal of Financial Studies
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• v.12 no.1
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• pp.163-182
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• 2006

본 연구는 장기투자자인 생명보험사 및 연기금의 투자다변화 일환으로 장기투자의 성격에 부합하고 안정적이며 높은 수익이 기대되는 대체투자 중 사회간접자본 자산에 대한 투자방안을 연구목적으로 하여 다음의 분석결과를 도출하였다. 첫째, 생명보험사와 연기금의 금융부문 수익률과 사회간접자본 투자수익률을 비교한 결과 사회간접자본 투자는 변동성이 큰 주식에 비하여 위험은 낮고 안전자산인 채권에 비해서는 상대적으로 높은 수익률을 나타내었다. 둘째, 생명보험사 및 연기금이 사회간접자본 투자에 참여할 경우 사회간접자본 투자에 대한 정부의 수입보장 및 국내 인프라 사업의 사업수익률 수준과 타기관의 목표수익률 등을 종합적으로 고려할 때 15% 수준의 투자수익률이 적합할 것으로 보인다. 다만 최근 국내 주요 사회간접자본 사업의 투자수익률을 볼 때 국가관리사업과 자체관리사업 모두 투자수익률이 낮아지고 있는 추세이므로 장기적으로 이러한 추세를 반영하여 목표수익률의 재조정이 필요한 것으로 보인다. 셋째, 현실적인 간접투자상품의 한계 및 직접투자시의 비용절감효과 등으로 대규모투자자의 경우 전문성을 확보하여 직접투자방식의 참여를 고려할 수 있으며 중소규모투자자의 경우 시장상황 및 위험을 고려하여 펀드를 조성하여 투자하는 것을 고려할 수 있다. 그리고 중장기적으로는 세계적인 추세에 따라 국내 사회간접자본 간접투자 시장이 활성화되고 규모가 커지게 될 것으로 예상되는 바, 간접투자방식을 적극적으로 검토하여야 할 것이다.

• Journal of the korean academy of Pediatric Dentistry
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• v.36 no.4
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• pp.654-666
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• 2009

우식활성이 높은 어린이와 청소년 전체를 수용할 수 있는 치면열구전색(치아홈메우기) 사업의 확대 재생산을 위한 방안으로 건강보험 급여에 포함하는 정책이 2009년 12월부터 실시됨에 따라 본 연구는 급여화 기준 설정, 상대가치지수 개발 및 수가산정, 소요 재정추계 등, 급여화 운용을 위한 제반사항을 연구, 개발하는데 그 목적이 있다. 본 연구에서는 치면열구전색술의 적응증, 실시연령, 대상치아등에 대해 문헌고찰과 함께 상기 항목에 대한 정책적인 면에서의 검토를 시행하였으며, 치과의사를 대상으로 전국규모의 설문조사를 실시하여 치면열구전색술의 상대가치지수(RBRVS)와 연계한 의사업무량을 산출하고, 행위 기술서를 작성하였으며, 직접 및 간접비용의 세부내역 산출하였다. 도출된 상대가치지수를 바탕으로 예상수가를 산정하였으며 이를 근거로 대상 연령 및 대상치아, 의료 이용율 대비 재정추계 시행하였다. 이와함께 치면열구전색술의 급여화 순조로운 정착을 위한 외국사례 연구, 보험적용추진을 위해 치면열구전색의 유지율 및 비용효과, 예방적 레진수복과의 차등화문제, 재료적 고찰, 대국민 및 시술기관 대상 홍보 사항 등 급여화에 관련된 제반 사항을 검토, 제안하였다.

• Journal of Korea Port Economic Association
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• v.31 no.2
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• pp.41-53
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• 2015

In Paracomon Inc. v. Telus Communication, Realice's anchor became entangled with a working fiber-optic submarine cable during its voyage and are presentative of the shipowner(the captain) cut the cable. The owner of the cable brought a claim for the repair cost against the shipowner. The shipowner then advanced a third party claim against a liability insurance underwriter. The Supreme Court of Canada (SCC) held that the shipowner was entitled to limit its liability under the 1976 Convention on the Limitation of Liability for Maritime Claims. The SCC also ruled that even though the misdeed of the shipowner was insufficient to break its right to limitation of liability, its wrongdoing constituted willful misconduct under the 1993 Canada Marine Insurance Act, allowing the underwriter to deny coverage for the incident. Thecasewasthefirsttoaddresstheinterrelationship between the shipowner's right to limit liability under the international convention regime and the availability of liability insurance with respect to such limited liability. This study analyzes the reasoning behind the SCC's judgment and evaluates the appropriateness of this court's decision based on the current maritime industry as well as prevailing maritime law. It concludes that the SCC's decision to declare that the shipowner retained the right to limit its liability is appropriate under the Limitation Convention (1976). However, its declaration that the liability insurer was discharged from liability is not correct in due consideration of the common recognition in the maritime industry, the intended purpose of a third party's right against the liability insurer, and the adoption process of the conduct barring limitation. Based on the SCC's decision, this study finally reviews the issue of the shipowner's right to limit and the coverage of the liability insurer in the Sewol case (2014).

• The Korean Journal of Air & Space Law and Policy
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• v.33 no.2
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• pp.169-197
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• 2018

The purpose of this study is to present a reasonable and concrete standard for the Korean aviation insurance compulsory subscription system. Through this, we aim to improve the current revision of laws and regulations, and ultimately create an environment in which the safety and property of the Korean people who use aircraft with appropriate aviation insurance can be secured. In particular, by reviewing the aviation business law and its new laws and regulations enacted in 2017, the legislative improvement direction of aviation insurance will be proposed. In order to maintain the continuous growth of the air transportation industry and to make amicable compensation for the victims, considering the characteristics of the total accident, instantness, and giganticness of air accidents in which a lot of people and property are lost in the event of an accident, adequate insurance coverage is essential. In this respect, the compulsory insurance to amend the principle of freedom of contract, which is the great principle of the modern judicial system, will be persuasive. However, in comparison with foreign legislation, the legal provisions on Korea's obligation to comply with aviation insurance need to be revised around the following issues: First, it is reasonable to enforce the regulation of the mandatory aviation insurance by legislation from the Congress not by administrative regulations. Because it will force the monetary obligations of the individual such as common air carriers. Second, our law regulations respond to various kinds of air damages by using the phrase "limit of liability stipulated in international conventions". However, as we have seen in the text, the range of compensation are various according to the use of legal instruments in international conventions such as the Montreal Convention, which governs the compensation of passengers for damages to passengers today. Third, in countries with narrow territories, such as Korea, there are big differences in flying time and insurable risk between domestic and international transportation. Therefore, it is necessary to divide domestic transportation and international transportation even in the obligation to join the insurance. This dual discipline has the advantage for rookies in air carrier market who mainly start their business from domestic service. Fourth, according to Korean law, the regulations of automobile loss insurance is applicable to the aviation mandatory insurance of unmanned aerial vehicle accident which is lack of persuasion. In the future, it will be appropriate to discipline insurance for unmanned aerial vehicles with unlimited potential for development from a long-term perspective.

• Journal of the Korean hospital association
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• v.13 no.12 s.120
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• pp.44-48
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• 1984

의료보험제도의 시행과 더불어 변화된 양태중에서 누구나 용역하게 의료에 접할 수 있는 균등한 기회를 초래한 사실은 동 제도가 끼친 공학의 하나이기도 하다. 그러나 이 제도의 도입과 더불어 기존 의료제도의 변화로 야기된 여러가지 부정적인 측면은 오늘에 있어 부인할 수 없는 것 또한 현실이기도 하겠다. 본 고는 이러한 견지에서 의료보험제도의 실시와 더불어 발생하고 있는 제반문제중에서 특히 의료보험 진료비심사 지불제도에 관한 여러가지 문제점은 검토해 봄으로써 현안제도의 개선방향을 모색하고자 한다.

• 방재와보험
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• s.111
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• pp.42-45
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• 2006

불은 인간을 인간답게 만들고 오늘날의 문명을 창출케 한 인류 역사 이래 최대의 발견물이라 할 수 있다. 불이 발견되기 전에는 얼마나 많은 사람들이 어두컴컴한 밤 맹수의 식사거리가 되었을 것이며, 생식으로 인한 각종 질병에 시달렸을지 생각만 해도 아찔하다. 우리의 삶과 생명을 지켜주는 불, 세계의 수많은 민족들은 나름의 문화코드 안에서 불에 대한 관념과 풍습을 만들어왔다. 참으로 혹독한 겨울 날씨를 가진 시베리아. 한겨울에는 영하 50도로 내려가는 일도 빈번하다. 이렇게 추운 환경에서 몸을 녹여주고 음식을 데워주는 불은 다른 민족들보다 시베리아 지역에 사는 사람들에게 더욱 중요하게 느껴질 수밖에 없다. 이번 호에서는 시베리아의 많은 민족 중에서 불에 대한 다양한 풍습이 아직도 전승되고 있는 뚜바 민족들에 대해 살펴보고자 한다.