• The Journal of the Korean life insurance medical association
• /
• v.24
• /
• pp.79-96
• /
• 2005

1. 연구배경과 문제제기 - 보험시장의 환경변화 : 보험업법 개정, 방카슈랑스 도입, 고(高)보장성 생존급부(CI, LTC)상품의 등장, 통신판매 전문보험회사의 설립 허용 - 현행 언더라이팅 시스템의 문제점 : 위험난이도와 판매 채널별 특성이 고려되지 않고 언더라이터에 전건 배정 되어 업무의 효율성이 낮음 - 보험시장의 환경변화에 맞는 EUS(Expert Underwriting System) 도입으로 언더라이팅의 효율성을 증대하고자함 2. 국내/외 생보사 언더라이팅 시스템 현황 비교 및 개선방안 - 국내 언더라이팅 시스템 현황 : 청약서 입력/스캔 후 진단 및 적부 유무(有無)에 따라 자동으로 언더라이터에게 심사가 배정됨 - 미국 언더라이팅 시스템 현황 : EUS에 의한 1차 전산승낙여부 결정 후(後)언더라이터에게 심사가 배정됨 - 위험난이도의 고저(高低)와 관계없이 언더라이터에 배정되는 심사시스템의 문제점을 극복하고 체계적인 위험평가를 위해 EUS도입이 필요함 3. EUS 선행요건 - 고객정보의 확보 - 국내 생보사의 고객정보 수집원 : 청약서, 모집인 보고서, 건강진단서,적부조사, 보험사고정보조회시스템 (ICPS), 고액보험 및 상해보험 중복가입자에 대한 정보 교환제도 - 북미 생보사의 고객정보 수집원 : 청약서, 모집인 보고서, 의사소견서 및 진료기록서, 건강검진, 적부조사, 정보교환제도( 북미보험사간 의료정보 공유-MIB) - 정확한 고객정보의 확보방안 : 법률/제도의 정비, 청약서 질문 내용의 세분화, 의료정보교환제도의 구축 4. EUS 개요 및 현황 - EUS의 정의: 고객의 정보를 입력하여 청약부터 보험증권 발행 단계까지 One-Stop 서비스를 제공하는 것으로 언더라이터가 청약서를 가지고 언더라이팅 하는 것과 동일한 업무를 할 수 있는 전문가 시스템 - EUS의 장점: (1) 비용절감 및 인력의 효율적 활용 (2) 업무별 시스템화 되는 조직속성에 적합함. (3) 언더라이팅 정책이 경영 환경 변화에 대처하는데 신속함 - 국외 EUS 현황 (예: Cologne Re) 및 사례연구 5. 위험분류 및 EUS 개요현황 (언더라이팅 시스템 도입) - 위험관리 선행요건으로 위험요소별 분류가 체계적으로 수립되어야 함. - 데이터웨어하우스 (의사결정을 목적으로 설계된 조회와 분석이 가능한 통합된 정보저장소) 시스템 사용 - EUS 도입을 통한 언더라이팅 프로세스: 데이터마이닝 과정을 통해 "자동승낙, 언더라이터에게 심사배정, 적부의뢰, 진단의뢰, 텔레 언더라이터, 보완지시"등이 결정됨. 6. 판매채널별 EUS 활용방안 - 대면채널: 효용성 높은 정보제공과 정확한 위험분석이 가능한 시스템으로 고(高)보장, 고(高)위험 상품에 대해 언더라이터가 집중 심사 할 수 있게 함. - 방카슈랑스: 3S(간결, 신속, 서비스)의 특성에 맞는 전과정 무인자동심사시스템 - 비대면채널: 판매상품과 타겟시장을 명확히 한 후 도덕적 위험과 재무적 위험에 대한 평가시스템 및 의사결정 시스템을 도입 7. 결론 - EUS 도입의 기대효과 (1) 심사기일의 단축으로 고객만족 실현 (2) 체계적 과학적 리스크 관리로 위험률차익 증대에 기여 (3) 업무효율의 증대와 언더라이터의 역량강화 (4) CRM 활용증대와 모바일 청약시스템 구축의 근간 - EUS 도입시 경제적 법률적 제도적 문제 극복과 생보 업계 공동의 관심과 노력이 필요함 - EUS를 활용하여 종합적.체계적 리스크 관리가 가능한 금융회사로의 경쟁력 향상에 기여함.

• Journal of Digital Convergence
• /
• v.12 no.12
• /
• pp.457-467
• /
• 2014

The purpose of this study was to induce continuing health screening of the examinees of the health promotion centers by identifying reason of health screening, selection factors of health promotion center, satisfaction level for health promotion center and revisit intention for the examinees who have utilized the health promotion centers of hospitals in Busan and also understanding the examinees' preferences. This study has been conducted from 2, 22.~4, 5. 2013 with the 892 examinees who had utilized the 10 medical institutes in Busan. And the frequency, ${\chi}^2$-test, t-test, ANOVA, logistic regression was analysed. The summary of the study results is as follows. In terms of health screening type, those with office worker physical examination, those with revisit had the highest frequency whereas the group with no disease and the group of being healthy for subjective health condition had the highest frequency. As for the determination factors of health promotion center, accessibility, partnership work, acquaintance recommendation was found to be the highest and followed. And as for the satisfaction level of health promotion center, satisfaction level for accessibility and medical check-up was found to be the highest with 3.59 points, and followed by satisfaction level for brand name, facility, the economic cost. Finally, as for the revisit intention had the highest frequency. Based on the study results above it would be necessary to establish a reasonable price structure in revitalizing promotion and improving health program.

• Journal of IKEEE
• /
• v.22 no.2
• /
• pp.495-498
• /
• 2018

In this paper, we propose an DAP system for dose evaluation of medical and industrial X-ray generator. Based on the DAP measurement technique using the Ion-Chamber, the proposed system can clearly measure the exposure radiation dose generated by the diagnostic X-ray apparatus. The hardware part of the DAP measures the amount of charge in the air that is captured by an X-ray. The high-speed processing algorithm part for cumulative radiation dose measurement through microcurrent measures the amount of charge captured by X-ray at a low implementation cost (power) with no input loss. The wired/wireless transmission/reception protocol part synchronized with the operation of the X-ray generator improves communication speed. The PC-based control program part for interlocking and aging measures the amount of X-ray generated in real time and enables measurement graphs and numerical value monitoring through PC GUI. As a result of evaluating the performance of the proposed system in an accredited testing laboratory, the measured values using DAP increased linearly in each energy band (30, 60, 100, 150 kV). In addition, since the standard deviation of the measured value at the point of 4 division was ${\pm}1.25%$, it was confirmed that the DAP showed uniform measurements regardless of location. It was confirmed that the normal operation was not less than ${\pm}4.2%$ of the international standard.

• The Korean Society of Law and Medicine
• /
• v.18 no.2
• /
• pp.47-73
• /
• 2017

Medical certificate is a document to demonstrate a patient's health status, made up and signed by a physician, dentist, or oriental physician who attended the patient. It serves as an evidence in many official process including civil or criminal law suit, especially for one's personal injury. The Korean legal system also acknowledges and protects the evidentiary function of medical certificate by mandating physicians etc. to issue medical certificate in good faith and only when they personally attended the patient, and by criminally punishing them when they do not comply with these legal requirements. There are some reasons, however, that medical certificates often do not reflect the true health status of the patient: When physicians attend the patient and collect information regarding the health status of the patient, their priority is and should be the most cost-effective way to meet the health needs of the patient. It does not necessarily correspond to the accurate examination of the health status of the patient. Even when the patient's report on the history of the illness or the injury seems suspicious, physicians might have to avoid disproving it because that kind of attitude might harm the rapport between the physician and the patient. All these can distort the perception of the physicians and this distortion can be reproduced in the medical certificate they made up. Some of these problems might be resolved or at least enhanced by introducing new form of medical certificate which would guide physicians to reveal the nature, factual and theoretical grounds, and the limit of their findings more accurately. Others, however, would not be able to address, because it stems from the conflict between the physician's primary duty, duty to be loyal to the patient's life and health, and his secondary duty to serve as a public or neutral witness on the health status of the patient, and when both values or duties conflict with each other, they should choose the duty to the patient sacrificing the duty to the public or the court.

• The Journal of the Korea institute of electronic communication sciences
• /
• v.10 no.7
• /
• pp.825-830
• /
• 2015

The Electronic Medical Record(: EMR) is to store medical data not in the form of document, but in the data storage. Such EMR can not only solve various problems of document use such as storage/arrangement of and securing space for document, but also make it possible to provide customized-treatment based on large quantity of customer data, so that hospitals can reduce the management cost and also improve the work efficiency. Customers also can receive the great quality of medical service. Owing to such strengths, the EMR has been rapidly introduced and applied to many hospitals and clinics since 1990s. In case of the current health screening system, however, paper forms used for health screening is also stored, on top of EMR. There would be various reasons why it is stored in the form of document. While the EMR used in hospitals is comprised of a unit program performing medical record, the health screening system is comprised of a unit program performing logics related to health screening. For this reason, it might be unavoidable for the health screening system to store document forms. If the EMR function is applied to the health screening system, it is expected to be able to operate more efficient health screening solution.

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.21 no.10
• /
• pp.299-307
• /
• 2020

Purpose: The purpose of this study was to investigate the financial hardships affecting the quality of life of cancer survivors. Method: Data were collected from five convalescent hospitals using self-administered questionnaires, and 422 questionnaires were used for the final analysis. We used a 5-step hierarchical multiple-regression analysis by entering each sociodemographic variable, medical variable, and three types of financial hardship (a material situation, the psychological response, and coping behavior coming from cancer treatment cost) into each step. Results: The results of statistical analysis indicate that the most influential factor in the quality of life was the financial difficulty, which was the frustration that they could not work as usual or support their family financially. In addition, the performance of physical activity, accompanying diseases, women patients, psychological burden on cancer treatment cost, the satisfaction of communication with medical staff for medical expenses, and the feeling unsuccessful financial coping strategy were predictors for the quality of life of cancer survivors. Conclusion: This study provides a blueprint for the development of intervention programs in practice to improve the quality of life of cancer patients, clinical intervention plans, and health policies.

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.17 no.2
• /
• pp.649-656
• /
• 2016

This study was a retrospective examination to identify the association of postoperative delirium of the prognosis on following femur fracture surgery in elderly patients. Data was collected from the medical records of elderly patients (aged 65 years or older), who underwent femur fracture surgery from July 2010 to January 2014, following on 3-years in one university hospital. A total of 68 patients were involved. There were 31 cases (45.6%) with delirium and 37 cases (54.4%) without delirium. The participant's average age was 80.8 (patients with delirium), and 81.8 (delirium without patients) years of age, respectively, and most of them were female. There was no significant difference between the two groups. Taking five or more medications, serum creatinine level, and the total medical costs were significantly different in the delirium group and non-delirium group. In addition, the proportional hazard model of Cox to determine the predictors for the major clinical outcome occurring after surgery revealed delirium, five or more multi-drug use, and an experience of transfusion to be significant predictors. In conclusion, postoperative delirium in the elderly undergoing femur fracture surgery can have a negative clinical outcome in patients and caregivers. Therefore, a preoperative evaluation and management of the risk factors will be necessary.

• Clinical and Experimental Pediatrics
• /
• v.50 no.4
• /
• pp.381-385
• /
• 2007

Purpose : Traditional herbal medicines may be overused in Korea. Expenditures and inaccuracies of hospital prescription are increasing gradually. So we investigated the frequency and nature of herbal medicine use among elementary school pupils. Methods : We interviewed students of three elementary schools located in Gwangju with survey papers. We analyzed 905 returned surveys. Results : They consisted of 421 males and 484 females. Five hundred ninety (65.2 percent) of pupils who have taken herbal medicines since birth. First grade made up 74.1 percent, 2nd grade 63.0 percent, 3rd grade 64.8 percent, 4th grade 63.3 percent, 5th grade 65.5 percent, and sixth grade 61.9 percent, respectively. The mean frequency of herbal medicine use was 3.2 times. 6th grade was 3.3 times, 5th grade 3.9 times, 4th grade 3.7 times, 3rd grade 2.7 times, 2nd grade 2.7 times, and 1st grade 2.6 times, respectively. The mean cost of herbal medicine use was from 50,00-100,000 won. The mean age of pupils who took their 1st herbal medicine was 55 months, 6th grade 67 months, 5th grade 58 months, 4th grade 54 months, 3rd grade 55 months, 2nd grade 51 months, and 1st grade 47 months. The most common reason of herbal medicine use was "looking weak, without disease." The rate of elementary pupils who had good effects was 63.7 percent; the rate of side effects was 4.5 percent. Conclusions : The rate of elementary pupils who took herbal medicines was high and gradually higher in lower grades. So, clinicians have to cope directly with this situation and to educate parents about herbal medicines.

• Journal of the Institute of Electronics and Information Engineers
• /
• v.54 no.2
• /
• pp.16-27
• /
• 2017

IEEE 802.15.6 standard, a Wireless Body Area Network, aims to transfer not only medical data but also non-medical data, such as physical activity, streaming, multimedia game, living information, and entertainment. Services which transfer those data have very various data rates, intervals and frequencies of continuous access to a medium. Therefore, an efficient anti-collision operations and medium assigning operation have to be carried out when multiple nodes with different data rates are accessing shared medium. IEEE 802.15.6 standard for CSMA/CA medium access control method distributes access to the shared medium, transmits a control packet to avoid collision and checks status of the channel. This method is energy inefficient and causes overhead. These disadvantages conflict with the low power, low cost calculation requirement of wireless body area network, shall minimize such overhead for efficient wireless body area network operations. Therefore, in this paper, we propose a medium access scheduling scheme, which adjusts the time interval for accessing to the shared transmission medium according to the amount of data for generating respective sensor node, and a priority control algorithm, which temporarily adjusts the priority of the sensor node that causes transmission concession due to the data priority until next successful transmission to ensure fairness.

• Journal of the Korea Academia-Industrial cooperation Society
• /
• v.18 no.8
• /
• pp.162-170
• /
• 2017

This study analyzed the current situation of medium and small-sized hospital nursing staff and related policies, and identified the factors that affect staffing level to provide evidence for planning and adopting policy. By analyzing the statistical data published by public institutions such as the Ministry of Health and Welfare and Health Insurance Review and Assessment Service, the result was viewed based on the understanding of various internal and external health care environments. The number of active nurses was less than 50% of the number of licensed nurses and has decreased every year. This means that the cost-effectiveness of increases in nursing college enrollment should be reconsidered. Inpatient nursing fees by staffing grades has caused nurses to move from medium and small-sized hospitals, where there is a severe lack of staff, to more advanced general hospitals. As a result, the lack of nursing staff in medium and small-sized hospitals has worsened. In conclusion, reexamination is needed to improve effectiveness of inpatient nursing fees by staffing grades as a policy to secure the workforce of medium and small-sized hospitals. Furthermore, the tracking management system of licensed nurses must be able to solve the imbalance between demand and supply of nursing staff.