• Journal of the Korean Data and Information Science Society
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• 제16권2호
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• pp.237-253
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• 2005

In Korea, the volume of insurance industry has been increased rapidly with helping the economic growth, the increment of GNP and derive of public welfare policy. But the other side of the volume increment, the life insurers have some problems, such as the high rate of turnover, lapses and surrenders, in processing of acquiring more insurance contracts. The object of this paper is the analysis of the causes and properties of the high rate of turnover, lapses and surrenders using statistical survival model. Also we hope that the insurers will use the results of analysis to reduce the rates.

• Journal of Preventive Medicine and Public Health
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• 제12권1호
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• pp.99-106
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• 1979

Accessibility to medical facilities and personnels has been known as one of important determinants of medical care utilization. This study attempted to identify the effects of medical accessibility in terms of geographical distance and occupational opportunity to the medical utilizations. Two-year-experiences of Yonsei University Health Insurance Cooperatives were used as the sources of data. Out patient utilization patterns of 713 members sampled from 4,352 members of Health Insurance Cooperatives were analyzed in order to identify the effects of medical accessibilities. Findings: 1 Average clinic visit rate of Yonsei Health Insurance is 1.66 per person per year. 2. The utilization rates of geographically more accessible group were 33% higher than that of less accessible group. 3. No marked difference in clinic visit rate were observed between medical and non-medical personnel and their family members. 4. Clinic visit rates among occupationally accessible group were slightly higher than those of less accessible. The utilization rate was more sensitively changed by the insurance policy changes in occupationally accessible group.

• 대한교통학회지
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• 제33권3호
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• pp.223-236
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• 2015

이 연구는 교통사고감소를 위한 자동차보험의 지역요인 반영에 대해 다루고 있다. 연구의 목적은 지역별 자동차보험 적용방안에 대한 과학적인 검증절차를 수립하는데 있다. 이를 위해 이 연구는 지역별로 서로 다른 교통환경 요인에 대한 자동차보험 손해율과의 상관분석을 수행하였으며, 그 타당성을 검증하였다. 또한, 교통사고의 주된 원인인 인적요인에 해당하는 교통문화를 지역별로 구분하여 손해율간의 상관관계와 모형도를 제시하였다. 이러한 결과를 토대로 지역별로 교통사고를 유발하는 다양한 교통환경이 있음에도 불구하고 자동차보험요율은 획일적으로 적용되고 있는 문제점을 제기하였으며, 이를 해결하기 위한 방안으로 지역요인을 반영한 자동차보험정책의 도입을 주장하였다.

• 보험의학회지
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• 제2권1호
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• pp.143-151
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• 1985

In medical selection of Daehan Education Insurance, We doubted that 140 cases(male 117 cases, female 23 cases) might have the fatty infiltration of the liver by ultrasonography. We examined the weight and the hypertension of 140 patients by biochemically analyzing the blood extracted under fasting according to the age-distribution. The results are as follows: 1. 90% out of them had body weight than normal subject. 34.29% out of them were hypertension patients and most of them were $30{\sim}39's$ and $40{\sim}49's$. 2. As compared with the normal subjects in serum lipid value, HDL cholesterol value was low, but total cholesterol, Triglyceride, phospholipid and total lipid value were significantly high. Especially the statistical value of Triglyceride was very significantly high. 3. Total abnormal rate of sGOT value in Liver function test is 34.43% and the mean value of it is 66 unit and the abnormal rate of sGPT value is all 3.14% and the value of it is 70 unit. 4. The abnormal rate of Alkaline phosphatase value is 9.29% and the abnormal rate of total Bilirubine value is 14.29%. As HBsAg positive rate is 2.14% and HBs Ab positive rate is 31.43%, the positive rate of HBsAg represents Lower positive rate than Korean mean value. 5. The abnormal rate of the fasting blood glucose is 15.00% and the abnormal rate of Blood sugar pc 2hrs is 30.71%. 6. The abnormal case of protein, Albumin, Globulin, BUN, craetinine and Hemoglobin value was not found to any of them and in the above liver function test except serum lipid value, the rate not showing the abnormal value represents 45.3%(male) and 52.17%(female).

• Journal of the Korean Data and Information Science Society
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• 제16권2호
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• pp.383-389
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• 2005

In this paper, we propose the pure premium rate of reliability insurance policy for radiators under the assumption of Weibull physics of failure. We also describe the performance factors which have an effect on failure characteristics of radiators. The maximum likelihood estimates of scale and shape parameters for assumed distribution are obtained by using accelerated life test data of sample sizes 5 using MINITAB.

• Journal of the Korean Data and Information Science Society
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• 제15권1호
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• pp.49-57
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• 2004

In this paper, we calculate the premium rate of reliability insurance policy for wiper motors under the assumption of Weibull physics of failure. We also describe the performance factors which have an effect on failure characteristics of wiper motors. The maximum likelihood estimates of shape parameter and scale parameter are obtained by using interval censored real data of sample sizes 6 using MINITAB.

• 보험의학회지
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• 제24권
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• pp.97-117
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• 2005

Internally Korean insurance market is that whole life products' growth are becoming slowdown that's why new insurance products have appeared on the market in consideration of consumer's needs recently. Externally domestic insurance market competitions has drifted from insurance industry to whole financial industry since bankasurance started. Life insurance companies should open up a new market to survive from severe competitions. Worksite marketing can be an alternative. An insurer make arrangements with an employer about an insurance terms which an insurer offers in Worksite marketing. Then eligible individuals enroll in the plans at their own discretion and pay 100 percent of the premium for coverage through payroll deductions. An employer doesn't need to pay extra money for additional benefit but can raise employee's loyalty and satisfaction of company through worksite marketing. An employee can be covered at discounted premium rate and less strict underwriting guidelines to an insurer compared to individual insurance. In developed countries specially U.S insurance market, Worksite marketing is getting very popular and growing rapidly due to the advantages. Worksite marketing has both individual insurance characters and group insurance characters. Individual insurance characters are that employees enroll in the plans at their own discretion and pay 100 percent of the premium for coverage. Group insurance characters are that actively at work and participation etc. An insurer have to reflect these two characters on Worksite marketing when an insurance company work out a plan for developing products and underwriting guidelines. When an insurer devise worksite products, one should consider participation level which means percentage of eligible employees participating. Participation is related to anti-selection. As we know underwriting is essential for every kind of insurance, especially underwriting plays major role in worksite marketing. We can see that in the below. Firstly, it has a function in calculation of premium rate. When calculate premium rate for worksite products underwriters have to estimate expected participation level and risk factors. So underwriters and acturies keep in close contact with each other. Secondly, underwriting methods are important. When an insurer underwrite worksite products, there are three kinds of underwriting methods. These are Simplified issue underwriting, Full underwriting and Guaranteed issue underwriting. Simplified issue underwriting typically requires no medical examination, but usually requires supplying satisfactory answers to one or several health and/or lifestyle questions. Full underwriting requires a complete medical history questionnaire that may further require an exam. Guaranteed issue underwriting means that coverage is issued without the employee having to provide evidence of insurability. When insurer set the GI limit are usually based on the type of industry, number of eligible employees, the average amount of coverage and participation level. In addition to insurer should have a clear definition of eligible employee on the insurance provision and application form. It will minimize possibility of trouble claims and anti-selection. An insurer also establish preexisting condition exclusion and special guidelines for late entrants. When an insurer introduce Worksite marketing to Korean insurance market, an insurer has to examine market research to analyze potential market and strategy of sales most of all. Also an insurer should review real situation of the U.S, England and Japanese market etc. There are a lot of new technologies about worksite marketing process that an insurer should learn. When an insurer consider many things which we explained it can be a real alternative.

• 보험의학회지
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• 제1권1호
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• pp.133-139
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• 1984

In the 2,218 healthy cases-male 1,574 female 644-who were conducted serum examination from May 1st 1983 to November 1st 1983 by the medical selection of Dae Han Kyouk life insurance Co., the results which investigated the HBsAg by using the Reverse Passive Hemagglutination(RPHA) method are as follows; 1. The number of 167 from 2,218 cases proved to be positive, showing 7.52%, the number of 143 from 1,574 male positive, showing 9.08%, and the number 24 from 644 female positive, showing 3.73%. The positive rate of the male was indicated by 5.36% higher than that of the female as the former marked 2.4 times higher distribution than the latter. 2) The positive rate by the type of occupations appears as follows; The highest positive rate group is that of discharger from military service in 1983, the number of 70 from 736 persons marking 9.51% and the next is the merchant 8.79%(8/91), employee of a company markes 8.53%(44/516), high school boy 7.69%(19/247), house wife 5.71%(10/210), carrier woman 3.45%(10/290) and the group of the high school girl records the minimum rate of all, 3.13%(4/128). 3. The positive rate by the age group appears as follows; The highest rate group is that of 31 to 35 years, marking 9.80% positive rate, and the next is $26{\sim}30$(9.3%), $21{\sim}25$(8.01%), $41{\sim}45$(6.96%), $36{\sim}40$(6.9%), those below 20(5.99%), 46 to 50 years shows the minimum rate of all(2.94%) Among the male case, 26 to 30 years shows the highest positive rate by 10.59% and female, 31 to 35 years shows the highest rate by 7.89%. 4. The positive rate by the blood type represents as follows; Blood type A shows 7.30%, type B 7.17%, type O 6.11% and type AB indicates 5.88% in order.

• 보건행정학회지
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• 제21권3호
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• pp.381-396
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• 2011

This study is to investigate the factors affecting the regional rate of certification for long-term care insurance benefits. Analyzed data were the 253,935 certified beneficiaries (equivalent to 4.9% of total elderly population) as long-term care degree (LTC degree) 1~3 extracted from the applicants for long-term care in the beginning stage of the system from April 15 2008 to July 1 2009. Although the data were collected from individuals, after restructured into regional data and then analysed in the unit of 225 administrative regions for the Korean Long-term Care Insurance. The rate of certification was operated as the percentage of people of LTC degree 1~3 to the elderly population in each region. The average rate of certification among regions was 4.91%, and ranged from 2.20% to 8.32%. In the analysing regression models, most socio-demographic variables, applicants' disease characteristics, regional service infrastructure, and the certification interviewer's characteristics were included. The most influencing variables were the disease factors of applicants, especially dementia or cerebrovascular disease rather than arthritis, osteoporosis, or fracture patients were strong factors for the regional rate of certification. However, advanced studies adding more explainable factors on the regional variance of certification rate would be necessary to provide political agenda and measures for evidence-based certification process with high reliability and validity for a sustainable LTC system in Korea.

• 산업경영시스템학회지
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• 제20권44호
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• pp.163-169
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• 1997

Due to the increasing of the number of cars and bad road conditions, car accidens are increasing every you in Korea. When a person meets a car accident, it is necessary for him to analyze and determine whether applying insurance or not, because standard discount rate and special increasing rate change with accident types and the amount of accident expenditure. When we consider insurance rate that includes more then ten elements, we need a decision making, In this paper, S insurance company investigated previous car causers in 1988, 1989, 1990 to 1996 with 600,000 real data. We investigate probability density functions and cumulative distribution functions for each year using ARENA software. We can apply the results of this study to various accidents that occur under uncertainty in our life. I hope that this paper contribute to strengthening competitive power of companies and developing new insurance rate systems in future.