• 한국콘텐츠학회논문지
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• 제21권6호
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• pp.588-597
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• 2021

우리나라의 경우 일반보험의 부가보험료를 구성하는 요소인 보험회사의 이익을 산출하는 기준에 대해 특별히 정하고 있지 않으며, 손해보험회사들은 대부분 2~5% 수준을 보험료에 반영하고 있다. 보험상품의 특성상 가격결정의 투명성이 요구되고 있지만, 국내 손해보험산업에 있어서 보험가격 요소별 결정방법론에 대한 기준이나 실증연구는 미흡한 실정이다. 본 연구에서는 산출기준이나 실증연구가 미흡한 일반보험의 상품별 예정이익률 산출 방법을 제시하고자 한다. 일반보험의 예정이익률을 산출하는 기준은 손익변동성에 따른 손실 리스크에 대비하여 보험회사가 확보해야 하는 자본에 대한 주주요구수익을 보험료에 대한 비율로 반영하는 것이다. 주주는 보험 운영과 관련된 리스크를 감내하기 때문에 이에 대한 보상을 받아야 하며, 이러한 주주입장에서의 기회비용을 보험료에 반영하려는 것이다. 본 연구에서는 상품별로 보험리스크에 대비하기 위해 회사가 적립해야 하는 자본량을 산출하였으며, 보험리스크는 보험영업 손익의 변동성으로 정의하였다. 그리고 보험리스크는 DFA(Dynamic Financial Analysis; 동적재무분석) 방법론에 의한 stochastic simulation을 활용하여 산출하였다. 최종적으로 25개 상품에 대한 예정이익률을 산출하여 현재 국내 일반보험의 예정이익률과 어떤 차이가 있는지를 실증적으로 분석하였다.

• Safety and Health at Work
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• 제13권2호
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• pp.135-140
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• 2022

Background: Coal mining is a hazardous industry. The purpose of the study is to identify the nature of occupational injuries and diseases among coal miners and to determine the factors that affect the rate of injury and duration of time loss from work. Methods: A retrospective cohort study was conducted using accepted workers' compensation claims data of 30,390 Australian coal miners between July 2003 and June 2017. Results: Musculoskeletal and fracture conditions accounted for approximately 60% of claims in all occupational groups. Cox regression analysis showed that older age and female gender were significant predictors of longer time off work. Injury types and occupations were associated with work time loss: mental health conditions, and machine operators and drivers had significantly longer durations of time off work. Conclusion: Future research can further address how these factors led to longer time off work so that coal industry regulators, employers, and healthcare providers can target interventions more effectively to these at-risk workers.

• 유통과학연구
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• 제19권5호
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• pp.35-48
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• 2021

Purpose: This research aims to analyze the influence of relational penetration capability on salesperson performance and the influence of customer orientation, customer knowledge accessibility, and salesperson-customer relationship quality on the relational penetration capability of the insurance service industry in Central Java. Research design, data, and methodology: This explanatory research involved 211 respondents. Path analysis was used to analyze the primary data obtained. Results: The customer orientation positively influences relational penetration capability and customer knowledge accessibility which can improve salesperson performance. The salesperson-customer relationship quality shows a positive impact on the salesperson's relational penetration capability, salesperson performance, and relational penetration capability which will lead to an improved salesperson-customer relationship. Higher knowledge levels of customer necessity have important implications for a salesperson's capability of finding potential customers and of fulfilling customers' requirements through careful analysis of necessity. Conclusions: The salespeople should be capable of building and maintaining a good relationship with their customers as an indication that salespeople of Insurance Service Company Distribution in Central Java have good performance.

• Journal of Preventive Medicine and Public Health
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• 제23권2호
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• pp.207-215
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• 1990

In order to investigate the occurrence characteristics of cancer in terms of industry in Kwangju-Chonnam area, medical utilization records of industrial medical insurance corporations during the period of 1987 to 1988 were reviewed for the identification of neoplastic disease. The cases obtained from the medical records were followed up for the verification and to get additional information. Standardized incidence data were compared by occupational characteristics. Multiple logistic regression analysis was applied to analyze the difference of incidence or distribution of cancer as a whole or of some selected cancer. Total cases of cancer identified were 242 during the study period. Annual incidence rate was calculated as 123.1 per 100,000 person. The frequent types of cancer were cancers of stomach, liver, lung, colon and rectum, bladder and lymphoma in descending order. Employees of mine and other sand handling industries showed significantly higher risks for cancer of stomach and cancer as a whole. Employees of the transportation industry showed the higher risk for cancer of liver, Workers in small-sized industry (${\leqq}100$) had a higher risk for cancer than who in large-sized industry (<100). These findings suggested the effect of occupational environmental exposure to cancer development.

• 디지털융복합연구
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• 제14권4호
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• pp.231-237
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• 2016

실손의료보험은 국민건강보험이 보장하지 않는 부분을 지원함으로써 보장성을 강화시키는 기능을 수행하고 있다. 그러나 까다로운 운영체계 및 절차로 보험가입자의 의료실손금액 청구가 어려운 실정이다. 이러한 현상을 해소하기 위하여 보험가입자가 진료비를 요양기관에 지급한 후 청구서류를 작성하여 보험금을 청구하는 체계로 운영(상환제)하고 있다. 그러나 상환제 운영도 여전히 보험가입자의 권익보호가 어렵고, 번거로운 청구 절차로 소액보험금의 청구를 포기하는 상황이다. 그래서 보험가입자의 편리와 운영의 간소화를 위하여 개인정보 은닉기술, 본인인증기술, e-page safer 기술 기반 증명서 발급에서 공인전자주소(#-mail)를 활용한 보험료 청구까지 한번에 처리할 수 있는 원스톱 보험 청구 시스템을 적용하였다. 이렇게 개발된 시스템은 번거로운 청구절차를 간소화함으로써 보험 청구율이 높아져 의료비의 부담을 줄일 수 있을 것이다.

• 한국직업건강간호학회지
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• 제9권1호
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• pp.18-29
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• 2000

Back injury is frequent in industry workers and is a common cause of productivity loss. It has been reported that the insured of industrial accident insurance tend to stay in hospital longer than that of other types of insurance. The purpose of this study was to identify factors affecting the length of hospital stay for the treatment of back injury in the workers under industrial accident insurance. The results of this study help insurers develop reasonable industrial accident insurance policy for back injury claims and prevention strategies of work-related back injury. A total of 2,949 patients whose industrial accident insurance claim has been approved for the treatment of work-related back injury from January to December 1999 were included in this study. Relationship between the length of hospital stay and characteristics of patient, work place, back injury, and hospital were assessed using ANOVA, t-test, simple linear regression and multiple resgression. The major findings of this study are as follows : 1. The average length of hospital stay(LOS) was 91.82 days, respectively. 2. Characteristics of Patient LOS of male patients was longer than that of female patients, there was positive correlation between age and LOS and between average wage and LOS. Working period was negatively correlated with LOS. Distance from resident to hospital was positively correlated with LOS and LOS was significantly different dependign on type of duty. 3. Characteristics of Work Place LOS was significantly different depending on types of industry and geographical region of work place. Size of work place was positively correlated with LOS. 4. Characteristics of Back Injury Occupational back pain required shorter LOS compared with back injury due to electric shock. Number of concomitant illnesses and severity of disability were positively correlated with LOS. 5. Characteristics of Hospital Patients treated in community hospitals required significantly longer LOS. Treatment in hospitals with rehabilitation program required decreased LOS. This was more prominent as number of physicians specialized in rehabilitation. 6. Multiple regression analysis revealed that distance form resident to hospital, geographical region of work place, size of work place, number of concomitant illnesses, severity of disability, and type of hospital were factors affecting LOS.

• 디지털융복합연구
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• 제18권8호
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• pp.185-199
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• 2020

본 연구는 보험회사의 차별적 마케팅전략으로써 CSR활동의 가능성을 규명하기 위하여 보험회사의 CSR활동이 고객기반 브랜드자산과 고객의 프리미엄가격 지불의도에 미치는 영향을 살펴보았다. 보험가입 경험이 있는 국내 소비자를 대상으로 설문하여 최종 510부를 선정 및 분석한 결과, 경제적, 자선적 책임활동은 고객기반 브랜드자산에 영향을 주었고, 경제적, 환경적 책임활동은 프리미엄가격 지불의도에 영향을 주었다. 또한 고객기반 브랜드자산의 매개역할은 경제적, 자선적 책임활동과 프리미엄가격 지불의도 간의 관계에서 확인하였다. 마지막으로, CSR활동과 고객기반 브랜드자산 관계에서 SNS 활용수준의 조절효과는 경제적 책임활동에서 영향이 있었다. 이러한 결과를 바탕으로 본 연구는 보험회사에서의 CSR 프로그램 효율성을 높이는 마케팅전략 수립에 중요한 시사점을 제공해준다.

• 대한예방한의학회지
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• 제19권2호
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• pp.37-50
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• 2015

Objective : In order to understand the scale of medicinal expenditure in the Korean medicine, an analysis has been made of Korean National Health Account and statistic archives used to estimate the Korean National Health Account and also of such archives as are contributory to learn the scale of total health expenditures in the Korean medicine. Method : From the Korean National Health Account archives, an analysis has been made of National health insurance statistic annual reports, National health insurance non-payment items, Korean Economic Census (The Service Industy Survey), and Korea Health Panel data. Moreover, in order to know the sales of overall Korean medicine clinics, relevant data have been utilized and cited from investigations into National tax statistics, Korean medicine medical institutions and Korean medicines used, and current states of medicinal herbs and Korean medicine industry. Results : It is found that the average scale of each section of the medical expenditures archives in the Korean medicine in 2012 was KRW 3.5638 billion and that the average medical expenditures in the Korean medicine derived from Total Health Expenditure, The Service Industy Survey, National tax statistic, and Korean medicine industry are approximately KRW 3.3901, 3.4796, 3.7218 and 3.9634 billion. And the average expenditures derived from National health insurance patients and Korea Health Panel data are 2.5162 and 2.2292 billion won and those from the users and consumers of Korean medicines and herbs are 5.6,461 billion won. In order to verify the appropriateness of estimated medical expenditures in the Korean medicine included in the archives, an analysis has been made of uninsured costs which come from the aggregate sales amount surveyed minus health insurance treatment expenditures and it is found that the ratio of insured costs against total health expenditures in 2006 was 50.67% and 41.92% in 2012 and that the ratio based on National tax statistics and The Service Industy Survey was 52.19% and 49.28% in 2006 and 50.54% and 50.64% in 2012 and that the ratio of uninsured costs against Korean medicines and herbs and Korean medicine industry was 37.5% and 58.27% in 2013. Conclusion : It calls for the improvement of the accuracy of an investigation into Total Health Expenditure which comprise the actual conditions of health insurance and Korea Health Panel, the development of statistic schemes for understanding and classifying medical expenditures of all the Korean medicine medicinal institutions like medicinal clinics, and enhanced methods for independent panels to comprehensively collect and analyze the number of sampled Korean medicine medical institutions.

• 서비스연구
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• 제8권1호
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• pp.123-143
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• 2018

본 연구는 금융서비스 산업에서 고객의 신뢰를 중시하는 보험회사에서의 서비스 품질 및 사회적 책임(CSR) 활동과 고객 행동의도 간의 관계에서 고객신뢰와 고객-기업 동일시(CCID)의 역할에 대하여 실증 조사하고자 하는 것이다. 본 연구의 표본은 전국 보험가입자들을 대상으로 설문조사 실시하였고 이들 설문자료를 바탕으로 AMOS 통계기법을 이용하여 분석하였다. 분석결과, 첫째, 보험회사의 CSR활동은 고객신뢰 및 고객-기업 동일시와 모두 정(+)의 유의한 관계가 존재하였으며, 단 서비스품질은 고객신뢰와는 유의한 관계가 있었으나 고객-기업동일시에는 유의한 영향을 주지 못했다. 둘째, 신뢰 및 고객-기업동일시(CCID)는 고객 행동의도와 정(+)의 유의한 관계를 가지고 있음을 발견하였다. 셋째, 서비스품질 및 CSR과 고객 행동의도 간의 상호관계에서 고객 신뢰 및 고객-기업 동일시(CCID)가 매개효과를 나타내고 있음을 알 수 있었다. 본 연구 결과는 보험회사의 서비스 품질 및 CSR 활동이 고객신뢰 및 고객-기업동일시를 증대시키며 또한 이러한 서비스 품질 및 CSR 활동이 고객 신뢰와 고객-기업 동일시(CCID)에 의하여 매개되어 질 때 재구매, 긍정적인 구전활동 등의 고객행동에로 연결되어짐을 나타내 보여주고 있다. 또한 본 연구는 향후 서비스 마케팅과 CSR 관련 문헌 연구 및 향후 보험회사의 마케팅 전략수립에 기여할 것이다.

• International Journal of Advanced Culture Technology
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• 제9권3호
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• pp.92-99
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• 2021

In this research, it was investigated the competence of Korean salesmen in the insurance business(B2C, consumer goods marketing) and information communication industry(B2B, industrial goods marketing) at the individual level rather than the organizational level. The salesperson's Guanxi ability means the salesperson's ability to create, maintain, develop the Guanxi ability. Namely, it was investigated whether the Korean salesman's Guanxi ability is the effective and persuasive concept in explaining the sales performance(company performance, business performance). The purpose of this paper was to verify which variables, among Guanxi ability and customer orientation, better explain the sales performance of salespeople. The Western concept of marketing that is closest to Guanxi is the concept of the customer-orientation that is based on the theory of relationship exchange. Confucian culture in the East is the construct concept, Guanxi is the measurement. The relational exchange theory in the West is the construct concept, customer orientation is the measurement. As the result of the analysis, we found that the Guanxi proved a greater correlation with sales performance than customer orientation. In the information technology industry, there was a big difference compared to insurance industry, whereas Guanxi and customer orientation had a similar level of correlation with sales performance. In the case of the insurance industry, we found that the Guanxi and sales performance were significant but the customer orientation and sales performance were not. This means that sales performance can be accurately and sufficiently explained only by adding the Guanxi ability in addition to customer orientation. The result of analyzing the mediating effect of the Guanxi ability between customer orientation and company performance, customer orientation was significant with Guanxi, and customer orientation and company performance were also significant. But, when the Guanxi was used as the parameter, the Guanxi was significant with company performance, but the customer orientation was not. Even when the dependent variable was business performance, when the Guanxi was used as the parameter, we found that the Guanxi was significant with the business performance, but the customer orientation was not. Namely, it proved Guanxi ability and customer orientation are completely independent concepts. In addition, we found that the information technology industry, unlike the insurance industry, mediated the Guanxi ability between customer orientation and sales performance. We confirmed that in the future, salespeople should not only rely on rational methods to maintain and reinforce customer relationships, but must consider the emotional factors through empathy with customers.