• Title/Summary/Keyword: 보험자

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Clinical Study of UGI Finding on Patients with Health Screening (생명보험 종합검진중 상부위장관 조영술 결과에 대한 임상적 고찰)

  • Ra, Sea-Chull;Park, Min-Sun
    • The Journal of the Korean life insurance medical association
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    • v.17
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    • pp.63-67
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    • 1998
  • 연구배경 : 상부위장관 조영술결과 유소견을 보인 환자와 그들이 호소하는 증상, 그들의 사회적 환경, 생활특성이 어떠한 관련이 있는가 알아보고자 하였다. 연구대상 : 1995년 1월부터 1997년 12월까지 제일생명(주) 부속의원 종합검진센타에 내원한 8,982명을 대상으로 상부위장관조영술을 시행하고 이와함께 상부위장관 증상에 대한 설문조사를 시행하여 그 결과를 분석하였다. 결과 : 상부위장관 조영검사자 총 8,982명중 유소견자는 598명(6.66%)이며, 그중 남자 420명(70.24%), 여자 178명(29.76%)으로 나타났다. 유소견중에는 십이지장 궤양이 제일 많았으며 그 중 남자 $30{\sim}40$세에서 제일 많이 발견되었다. 증상발현율은 진단결과와 다른 큰 차이가 없었으며 각 증상중에 진단결과와 유의한 관련을 갖는 것은 없었다. 결론 : 상부위장관 증상은 기질적 원인보다 성별, 연령이나 생활환경의 영향을 더 받는 것으로 보여 진단에 있어 호소하는 증상을 고려하기보다 위장관조영술과 더불어 상기요인에 대한 고려가 필요하다.

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Profit analysis of life insurance products with interest rate options (이자율 보증옵션이 내재된 생명보험의 이차익 분석)

  • Lee, Hangsuck
    • Journal of the Korean Data and Information Science Society
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    • v.24 no.4
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    • pp.737-753
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    • 2013
  • Interest rate options embedded in life insurance products provide policyholders with minimum guaranteed rates credited to the corresponding surrender values. This paper discusses current low-interest environment and several types of interest rate options embedded in life insurance products. In addition, this paper shows profit structures of the life insurance products and calculates values of the interest rate options under stochastic interest model and the corresponding VaR (value at risk). Finally, some implications are discussed.

A Study on the Determinants of Private Long-Term Care Insurance and First Home Care Use in the United States: Using Discrete Time Model (미국의 민간장기요양보험 가입과 재가요양서비스 이용의 결정요인에 관한 연구: 이산시간모델을 사용하여)

  • Kim, So-Yun;Hong, Gong-Soog;Montalto, Catherine P.
    • Survey Research
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    • v.11 no.2
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    • pp.97-121
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    • 2010
  • Using the 1998-2004 Health and Retirement Study(HRS), this study explored the determinants of private long-term care insurance(LTCI) ownership and the first home care use. To account for the interaction between LTCI purchase and home care use, this study used two-period utility model as theoretical framework. Discrete time model was used as an empirical model to incorporate the time-dependent feature of LTCI ownership. And this study accounted for the endogeneity of LTCI ownership and home care use by employing full information maximum likelihood estimation. This study indicated insignificant effects of private LTCI ownership and Medicaid eligibility on the home care use. Also, the effects of income and assets on home care utilization were negligible. Those who have poor health condition and who do not have potential informal caregivers were more likely to use home care. For private LTCI ownership, income and assets have positive relationship with LTCI purchase, and poor health status and age were negatively related to LTCI purchase. The elderly living with children and those who have more siblings were less likely to have private LTCI, and those who lived with spouses with no children were more likely to buy private LTCI. Based on the findings, this study provides implications to design long-term care(LTC) policies in the U.S. and to develop LTC planning education programs.

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Influencing Factors to Enrollment in Private Health Insurance and Medical Use by Life Cycle : Analysis of 2016-2019 Korea Welfare Panel (생애주기별 민간의료보험 가입 영향 요인 및 의료이용 행태 : 2016~2019년 한국복지패널자료를 사용하여)

  • Kim, Ji-On
    • Journal of Convergence for Information Technology
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    • v.11 no.10
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    • pp.194-204
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    • 2021
  • This study was conducted to find out the status and factors of private health insurance subscriptions by life cycle and to identify differences in medical usage behavior by life cycle. Using the SPSS 26 program as the 12th-15th (2016-2019) data of the Korea Welfare Panel, the difference subscriptions was identified as Chi-square by demo social and health characteristics of 58,223 people, and the factors affecting subscription were analyzed by polynomial logistic analysis and average analysis was performed for medical use behavior. As a result of the analysis, the biggest factor in purchasing private health insurance was household income, private health insurance coverage is the highest in growth period, and multiple subscriptions were made depending on household income. In youth, household income, spouse, and no disability, and middle age, household income, economic activities, spouses, and health levels were largely influential factors. The rate of private health insurance coverage in old age was the lowest, and low-income households, poor health levels, and people with disabilities were lower. The increase in medical use by private health insurance subscribers also occurred during growth and youth. It is necessary to strengthen the national health insurance coverage, and the role of private health insurance to supplement it should be established in time for the life cycle to complement each other, eliminating blind spots of medical security and maximizing people's health and well-being.