• The Journal of the Korea Contents Association
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• v.21 no.8
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• pp.305-314
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• 2021

According to the recent judgment of Supreme Court, in case when the National Health Insurance Service pays the insurance to a victim of torts, and then subrogate the victim's claim for damages, the scope of institution's subrogation should be limited to the amount of the assailant's responsibility rate of the institution charge, and the amount of compensation claimed by the victim to the assailant should be calculated in the method of contributory negligence after deduction. The court has judged that the institution could subrogate the whole amount of institution charge in the limit of assailant's damages, and the method of deduction after contributory negligence should be applied when calculating the assailant's damages to the victim. Supreme Court decision is greatly significant in the aspect of harmonizing the nature of health insurance as property right and social insurance as the beneficiaries could get additional supplement, and also seeking the balance between insurer and beneficiary. With the changed legal principles of Supreme Court in the scope of institution subrogation like this, the necessities to complement the litigation relation, legislation, and institution were suggested.

• The Korean Journal of Applied Statistics
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• v.28 no.6
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• pp.1063-1073
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• 2015

In the long-term care insurance (LTCI) system, National Health Insurance Service (NHIS) provide counseling services for beneficiaries and their family caregivers, which help them use LTC services appropriately. The purpose of this study was to develop a Target Selection Model for the Counseling Services based on needs of beneficiaries and their family caregivers. To develope models, we used data set of total 2,000 beneficiaries and family caregivers who have used the long-term care services in their home in March 2013 and completed questionnaires. The Target Selection Model was established through various data-mining models such as logistic regression, gradient boosting, Lasso, decision-tree model, Ensemble, and Neural network. Lasso model was selected as the final model because of the stability, high performance and availability. Our results might improve the satisfaction and the efficiency for the NHIS counseling services.

• The Journal of the Korea Contents Association
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• v.13 no.7
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• pp.322-332
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• 2013

This study investigated the awareness and purchase status of the private dental insurance. Self-reported survey was conducted with patients over the age of twenties who visited dental institutions located in Seoul Metropolitan City and Gyeonggi Province. The demographic and health related characteristics of respondents were analyzed, and logistic regression was conducted to examine factors affecting the awareness and purchase of private dental insurance. Because only four years had been passed since the introduction of private dental insurance, the awareness and purchase rate was found to be low. However, the number of people considering subscription due to the economic burden of dental care service was relatively high. Factors affecting awareness were satisfaction of the national health insurance, purchase of private health insurance and private dental insurance, self-perceived dental health status, and smoking. The variables affecting purchase of dental insurance were age, awareness, purchase of private health insurance, smoking, number of visits to dental institution. Because qualitative and quantitative change would be made in the dental care utilization due to the rapidly growing dental insurance subscribers, further studies regarding the trend of purchase rate of private dental insurance and the effect of dental insurance on use of dental institution are needed.

• 프린팅코리아
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• v.12 no.11
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• pp.76-77
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• 2013

대한출판문화협회(회장 윤형두)는 지난 10월 11일 오전 11시 한국화재보험협회 1층 강당에서 '제27회 책의 날 기념 출판문화발전 유공자 시상식'을 개최했다. '책의 날'은 고려대장경 완성일(10월 11일)을 기념해 1987년 출판계에서 제정한 날로 정부는 매해 '책의 날'에 출판 지식산업 발전 및 건전한 출판문화 조성에 기여해 온 출판인들을 발굴, 표창하고 있다.

• The Korean Journal of Applied Statistics
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• v.29 no.5
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• pp.987-998
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• 2016

Auto insurance is an insurance product that requires the proper application of pricing techniques due to intense market competition and the rate regulations of financial authorities. Especially, population change according to aging and rating faction segmentation mainly affect the pricing process. This study suggests a pricing optimization methodology through the proper estimation of age factors. To properly estimate the future distribution of age factor, age change, renewal and conversion of customers are considered as main effects for the optimization of estimation and application. The properness and effectiveness for the suggested method will be proved by a comparison of results applied (one for current distribution and the other for future distribution) at the off-balance process. This study suggests an appropriate risk estimation methodology based on optimization that uses the proper estimation of future distribution to protect from the over or under estimation of risk.

• Proceedings of the KAIS Fall Conference
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• 2010.05b
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• pp.588-591
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• 2010

본 연구는 행정자료인 건강보험 및 의료급여비용 청구자료를 이용하여 고혈압 환자의 투약 순응도를 분석하였으며, 투약순응도에 영향을 미치는 요인에 대하여 조사한 결과 아래와 같다. 연구대상자의 투약일수를 살펴보면 6개월 동안 148일(80%) 이상 혈압강하제를 처방받은 환자는 13.0%에 불과하였다. 고혈압상병(주.부상병)으로 외래를 방문한 평균 횟수는 4.3일, 방문한 기관수는 평균 1.1곳이었고, 한곳의 의료기관만을 이용한 환자가 전체의 94.9%로 나타났다. 당뇨병을 동반상병으로 가지고 있는 환자가 11.6%로 가장 많았고 고혈압 환자의 23.3%가 동반상병을 가지고 있었다. 연구 대상자 특성별 투약순응도를 비교해 보면, 남성, 건강보험 가입자, 종합전문을 주이용기관으로 이용하는 환자, 동반상병을 가지고 있는 환자에서 투약 순응도가 높았다. 65-74세까지 투약 순응도가 증가하다가 그 후 감소하는 경향을 보였다. 고혈압 환자의 투약 순응도에 영향을 미치는 요인 조사 결과 남성, 55-64세, 건강보험 가입자가 투약순응도가 높게 나타났다. 외래방문횟수가 증가할수록 투약 순응도가 증가하였다. 종합전문, 종합병원, 보건기관을 주 이용기관으로 방문하는 환자와 심장질환, 당뇨병을 동반상병으로 가지고 있는 환자에서 투약순응도가 높았다.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.27 no.5
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• pp.1233-1245
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• 2017

Cyber risk is rapidly increasing due to the hyperconnectivity of the IoT in the intelligent information society. Therefore cyber insurance has been attracting attention as a new risk management countermeasure by transferring cyber risk. However, cyber insurance is still a new concept in South Korea. The purpose of this study is to propose the concept of cyber insurance suitable for domestic demand by deriving the priority of cyber insurance coverage. Research results suggest that the most requisite cyber insurance types are business interruption and liability.

• The Korean Society of Law and Medicine
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• v.20 no.3
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• pp.175-209
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• 2019

The bundled discounting which the dominant undertakings engage in is problematic in terms of competition restraint. Bundled discounts generally benefit not only buyers but also sellers. Specifically, bundled discounts usually costs a firm less to sell multiple products. In addition, Bundled discounts always provide some immediate consumer benefit in the form of lower prices. Therefore, competition authorities and courts should not be too quick to condemn bundled discounts and apply the neutral and objective standard in bundled discounting cases. Cascade Health v. Peacehealth decision starts ruling from this prerequisite. This decision pointed out that the dominant undertaking can exclude rivals through bundled discounting without pricing its products below its cost when rivals do not sell as great a number of product lines. So bundled discounting may have the anticompetitive impact by excluding less diversified but more efficient producers. This decision did not adopt Lepage case's standard which does not require the court to consider whether the competitor was at least as efficient of a producer as the bundled discounter. Instead of that, based on cost based approach, this decision said that the exclusionary element can not be satisfied unless the discounts result in prices that are below an appropriate measures of the defendant's costs. By adopting a discount attribution standard, this decision said that the full amount of the discounts should be allocated to the competitive products. As the seller can easily ascertain its own prices and costs of production and calculate whether its discounting practices exclude competitors, not the competitor's costs but the dominant undertaking's costs should be considered in applying discount attribution standard. This case deals with bundled discounting practice of multiple healthcare services by the dominant undertaking in healthcare market. Under the Korean healthcare system and public health insurance system, the price competition primarily exists in non-medical care benefits because public healthcare insurance in Korea is in combination with the compulsory medical care institution system. The cases that Monopoly Regulation and Fair Trade Law deals with, such as cartel and the abuse of monopoly power, also mainly exist in non-medical care benefits. The dominant undertaking's exclusionary bundled discounting in Korean healthcare markets may be practiced in the contracts between the dominant undertaking and private insurance companies with regards to non-medical care benefits.

• The Korean Journal of Air & Space Law and Policy
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• v.25 no.2
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• pp.43-77
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• 2010

The development of the aviation industry has exponentially increased the volume of passengers and cargo and gradually expanded the damage scope of all kinds of accidents in the process of transportation. As a result, the need for aviation insurance has accordingly grown bigger and bigger every day. That is why most nations have a law to force mandatory insurance on the aviation industry. However, the Montreal Convention of 1999, which Korea also signed and today has the most extensive effect in the international civil aviation community, offers no clear interpretations about the coverage of aviation insurance along with the Air Transport Business Promotion Act of Korea. The advanced nations of air transport business such as EU, the U. S. A. and Canada prescribe the coverage of aviation insurance and have a law that makes it mandatory for all the passengers and third parties to cover air carrier's liability. EU requires them to include cargo and baggage in scope of coverage, and the U. S. A. and Canada recommend insuring by having a shipper receive a written notice containing information about whether the concerned cargo is insured or not. Making the scope of coverage of aviation insurance clear by law serves several purposes including diversifying risks for air transport companies, providing the victims with enough protection, observing the international accountability required in the air transport industry, and promoting the productive and sustainable growth of the aviation industry. Thus problems with Korea's aviation insurance should be resolved by clearly stating the coverage of aviation insurance that the Korean air carriers and operators need to insure according to the current state of Korea's air transport by consulting the legislations of the advanced nations in air transports. and enacting a law to comprehensively govern Korea's aviation insurance.

• 건강소식
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• v.13 no.4 s.125
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• pp.2-7
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• 1989

부산시 국제공동의료보험조합은 환원사업의 일환으로 조합원에 대한 집단 자궁암 검사를 건강관리협회부산지부와 함께 실시했다. 조합원 5,000여 몇 중 약 1,000명이 검사에 참가했던 이번 검사사업은, 그 동안 자신의 건강을 방(?)했던 많은 사람들에게 질병의 조기발견과 이를 통한 건강관리의 중요성을 깨닫게 해 주었을 뿐 아니라, 보건교육이 얼마나 필요한 가를 새롭게 각인시켜 주었다. 어떻게 이루어졌고, 반응이 어떠했는지를 취재하면서 ‘근로자의 건강을 지키는 것이 곧 복지사회로 가는 길’이라는 국제공동의보의 적극적 태도에 깊은 감명을 받았다.