• 디지털융복합연구
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• 제14권12호
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• pp.13-25
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• 2016

본 연구는 2012년부터 2014년까지 국민연금 임의가입자의 계약자 및 계약특성이 해약 행동에 미치는 효과를 로지스틱 회귀모형을 사용하여 분석하였다. 첫째, 남성이 여성보다 탈퇴 오즈가 낮으며 신규가입자 집단에서는 더 큰 차이를 보인다. 둘째, 연령이 증가함에 따라 탈퇴 오즈는 증가하다가 감소하는 특징을 보인다. 셋째, 예상 수익비의 증가는 탈퇴 행동을 억제하는 것으로 나타났다. 넷째, 2013년 국민연금과 기초연금 간 연계 안 발표 결과 전년도에 비해 탈퇴 오즈가 증가하였고 신규가입자 집단에서는 그 크기가 더 크게 나타났다. 다섯째, 17개 광역시 도를 기준으로 광역시 단위에 거주하는, 도시지역 가입자의 탈퇴 오즈가 낮은 것으로 나타났다. 한편, 가입기간과 기준소득 월액과 같은 계약특성의 경우, 탈퇴 오즈에 미치는 영향은 유의미하지만 크기는 작게 나타났다. 본 연구는 향후 임의가입자 유형별 관리방안에 대한 아이디어를 제시하고 특히 예상 수익비의 변화가 해약률에 미치는 영향을 예측할 수 있음을 보였다.

• 한국학교ㆍ지역보건교육학회지
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• 제11권2호
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• pp.13-28
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• 2010

Objectives: The purpose of this study was to examine health status and health behavior of adolescents by socioeconomic characteristics. Methods: Secondary analysis of the 2008 Korea National Health and Nutrition Examination Survey was conducted for 836 adolescence respondents. Results: First, the score of health status was 3.75 and high in 12-15 ages, living together with parents and private medical insured person. The score of oral health status was 2.85 and high in 12-15 ages, employed health insured, living together with parents. Second, dental treatment need was high in female, low income and dental checkup high in 12-15 ages and high income. Influenza vaccination was high in 12-15 ages. Diet contents was good in high income, living together parents and private medical insured and having breakfast was high in male, 12-15 ages, high income, living together with parents and private medical insured person. Third, smoking experience was high in male, low income, living together with single father or mother and drinking age was high in high income family. Forth, sinusitis was high in high income and small pox was high in low income. Conclusion: There might be many differences in the health status and health behavior of adolescents by sex, age, house income, type of family, private medical insurance. Our findings suggest that the need to develop appropriate health education program for high health problem behavior and intervention strategies for socioeconomic specified groups at greater risk.

• 한국콘텐츠학회논문지
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• 제10권12호
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• pp.190-204
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• 2010

본 연구는 우리나라의 민간의료보험 가입자의 인구 사회 경제학적 특성과 가입자와 미가입자간의 질병 유형, 예방 및 건강행태, 의료이용 양상 등을 비교하였다. 그리고 민간보험 가입의 영향을 파악하여 향후 국민건강보험 및 민간의료보험 관련제도의 바람직한 발전방향을 제시하기 위한 기초자료 활용에 그 목적이 있다. 연구의 결과는 민간의료보험 가입 요인은 인구 사회 경제적 요인이 유의하게 나타났으며, 국민건강 영양조사에서 이루어진 인플루엔자 예방접종율과 건강보험 건강검진은 민간의료보험 가입자에게서 더 낮았고, 지난 2년간 본인부담 건강검진비율과 지난 2년간 암검진비율은 민간의료보험 가입자의 검진율이 더 높았다. 그리고 건강행위 평균을 민간의료보험 가입여부별로 보면, 격렬한 신체활동을 실천하는 비율은 민간의료보험 가입자가 더 높았고, 평균 수면시간, 1주일간 격렬한 신체활동을 하는 일수, 1주일간 중등도 신체활동을 하는 일수, 1주일간 유연성 운동일수 및 1주일간 근력운동일수에서도 민간의료보험 가입자가 미가입자 보다 많았다. 걷기를 실천하는 비율과 1주일간 걷기일수는 민간의료보험 가입자가 미가입자보다 적었다. 의료이용에 민간의료보험이 어떤 영향을 미치고 있는가를 살펴본 결과에서는 외래이용이 있는 경우와 입원이용횟수에서 민간의료보험가입자가 미가입자보다 외래를 이용할 확률이 높았고, 더 많은 횟수의 입원이 관련 요인으로 나타났다.

• 의료법학
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• 제10권2호
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• pp.287-307
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• 2009

A person is injured in car accident caused by his/her slight negligence except he / she causes accident by his / her willfulness or gross negligence. Because the National Health Insurance Corporation (hereinafter called "Corporation") shall not provide any insurance benefit "when he has intentionally or through gross negligence caused a criminal conduct or intentionally contributed to the occurrence of an accident" referred to in Article 48 (1) 1 of the National Health Insurance Act. So, if he / she is insured by his / her own bodily injury coverage, he / she can be compensated for his / her medical expenses. The injured have the rights to file either National Health Insurance claim and Automobile Insurance claim but there is no clear and definite adjustment clause. The claim disputes between National Health Insurance (hereinafter called "NHI") and Automobile Insurance (hereinafter called "AI") in the own bodily injury coverage makes some problems. Firstly, there are some differences in co-payments which he / she chooses between NHI and AI. Profit per a patient is higher in the NHI than in the AI. Secondly, it can provoke criticism that people shall unnecessarily pay double contributions. Lastly, it can raise moral hazards. For example, if he / she can cover the compensations when the insured receives the compensations from his / her insurer, the Corporation can be claimed by medical care institution payment of the health care benefit costs. In conclusion, first of all, to improve the national health and preserve the insured's rights the Corporation shall keep notice these facts.

• 무역상무연구
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• 제46권
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• pp.211-235
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• 2010

According to the commercial law in Korea, a marine cargo insurance contractor (policyholder, insured person, agent) has the duty to disclose risks before establishing an insurance contract and the obligation to notify changes in risks after before establishing the contract. Marine cargo insurance policy clauses include one about the obligation to notify changes in risks. This clause assumes that an insurance contract should be implemented according to what has been answered to the important questions asked by the insurer in connection with the insurant's duty to disclose before establishing an insurance contract, and it stipulates that, if any change in what has been disclosed should be notified to the insurer since it is regarded as a change in risks. Neglecting the obligation to notify may lead to the termination of the appropriate insurance contract by the insurer. The problems here concern the clauses about changes in risks and about the obligation to notify. The problems are like these. Can it be that the circumstances which might be seen in the past as changes in risks according to the territorial sea laws and institute cargo clauses stipulated long ago are considered as such still today? And a marine cargo insurance policy till valid when changes in risks have not been properly notified by the original discloser of risks to the insured who currently holds the marine cargo insurance policy, which, unlike other insurance policies, is a marketable security? In Korea, the commercial law has a clause the obligation to notify changes in risks established based on the territorial sea laws and institute cargo clauses. In this regard, this study aims to consider if the clause still valid today or not and, if not, to propose alternatives to the clauses.

• Journal of Preventive Medicine and Public Health
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• 제7권2호
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• pp.319-325
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• 1974

A study on the status of sickness and medical care of insured and non-insured groups of employee and his family in Naju fertilizer company, in the year of 1973, was carried out. The results obtained are as follows: 1. 66.8% of all employee was subscribed in this medical insurance program. No woman employee was subscribed and the rate of subscription was increased from 16.1% to 92.0% by age increases. 2. Also, as of period of service, the rate of subscription was increased from 11.3% to 89.4% by the period gets longer. 3. Employee who reside within boundary of the company (76.2%) subscribed more than that whom reside outside boundary (63.9%). 4. Rate of subscription was also indreased by family size becomes larger. In case of single, it was only 19.6% but in the case of family size became more than 6, it increased to 87.4%, 5. As of amount of monthly income, although no one had subscribed those who get less than 30,000 won a month. Subscriber, increased by monthly income get greater. 6. Subscribed family reside within company boundary utilized hospital 35.5 times a year whereas non-subscribed family reside within these utilized 12.5 times. And, subscribed family reside outside boundary utilized hospital 32.2 times a year and non-subscribed family utilized 9.6 times. Regardless of resident area, family who subscribed to this program utilized hospital more often than non-subscribed family. 7. The utilization of the hospital became gradually frequent from 15.6 times to 36.5 times per family by family size became larger. but in non-subscribed group, although it was increased from 8.3 times to 16.5 times per family, it was droped to the least 6.9 times at 2 person family. 8. 17,496 hospital visits were made by all employee and his family in the year 1973. 86.9% of them was made by subscribed group and the rest (13.1%) was made by non-subscribed group. Observing of the type of these sickness by the classification of WHO, only three types of VII (26.7%), XVII (25.0%) and IX(19.3%) were made more often by non-subscribed group while the others were made more by subscribed group. 9. Anual average medical expenditure per family was 13,098.9 won for subscribed family while it was 3,076.1 won for non-subscribed family. 10. Anual average hospital visits per capita was 6.5 times for subscribed groups and 3.4 times for non-subscribed group. Anual average medical expenditure per capita was 2,580.8 won for subscribed group while it was 1,061.0 won for non-subscribed one.

• 무역상무연구
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• 제57권
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• pp.137-169
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• 2013

This article intends to analyse some features in Exclusion Clauses of the Institute Cargo Clauses 2009 and the results of analysis are following. First, the insufficiency of packing or preparation exclusion under the revised Clause 4.3 is now more limited than before and the Clause suggest the test of sufficiency or suitability "to withstand the ordinary incidents of the insured transit". Secondly, the word "proximately" was deleted under the revised Clause 4.5 for the insurer to be identified more easily as a cause, but it remains to be seen whether that re-drafting will be successful. Thirdly, The exclusion under the revised Clause 4.6 does not apply unless the insurer can prove that, at the time the subject-matter insured is loaded on board the vessel, the assured was aware, or in the ordinary course of business should have been aware, that the relevant insolvency or financial default could prvent the normal prosecution of the voyage, and to a person who purchase the goods from the assured in good faith under a binding contract. Fourthly, the exclusion in respect of unseaworthiness of vessel under Clause 5.1.1 applies only where the assured is privy to the unseaworthiness, whereas the exclusion in respect of unfitness of container or conveyance under Clause 5.1.2 includes the privity of the employee. Finally, Clause 7 establishes the definition of terrorism, and adds ideological and religious motive to political motive.

• Journal of Preventive Medicine and Public Health
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• 제25권4호
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• pp.333-342
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• 1992

The purpose of this study is to estimate the minimum optimal scale(MOS) of the self-employed health insurance associations. Considering the high proportion of operating expenses, the author have selected 254 regional health insurance associations eon the 1990 Finance Report of the self-employed health insurance programs. Both a quadratic function and a hyperbolic function were chosen for the analysis. The dependent variables are the average maintenance cost per insured person and per household, and the independent variables are the number of insured members and of household The minimum optimal scale was obtained from the differentiation of the quadratic function. Major findings are summarized as follows: 1. The M.O.S. was calculated as 166,174 members (27,442 households) for the rural self-employed health insurance associations and 258,462 members (75,446 households) for the urban. Providing that both the rural and urban health insurance associations would be integrated, the M.O.S. be found to become 231,687 members (68,101 households) 2. Compared with the optimal minimum scale, the magnitude of the current health insurance association found to be much smaller, less than half of the optimal scale. 3. In order to reduce the operating cost, it is necessary to enlarge the operational scale of self-employed health insurance associations.

• 항공우주정책ㆍ법학회지
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• 제22권2호
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• pp.3-25
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• 2007

In 2002 Republic of Korea successfully launched a self-made mined proportion rocket and it is expected that she will be able to have own space launching system by 2010. According to Article 14 of the Space Exploration Promotion Act, a new law should be established to impose the limit of compensation for the damage by space accident. Therefore, The Space Accident Liability Act was passed in Korean Congress on Nov. 22, 2007 and it will be enforced in six months. The purpose of this Act is to provide reparation for the damage of the third parties that a launch causes; and the Commonwealth should be insured against any possible space accidents to pay for such a damage. Here space accident means the damages to our life, body, and properties from the launching of space objects. There should be an actual loss to establish the compensation of Liability Act. Article 2 in Liability Act defines "damage" as follows: the term "damage" means loss of life, personal injury or loss of or damage to property of persons. Physical and material damages are included in the conception of damage. The meaning of a launching includes any test launch and launch for a real arrangement which will ultimately provides a wide range of compensation. Article 4 indicates that absolute liability should be imposed in compensating for damage by space accidents. Article 4 also indicates that a launching party should be absolutely liable to compensate for the damage caused by its space object on the surface of the Earth. In general, liability stands where fault is. But if the activity is ultra-hazardous and causes serious harm, the individual needs to compensate for the damage unlimitedly. Because of the many launchings for the Seattleite launching, a launching organization is obligated to the liability insurance in preparation for the space accidents. According to the Article 6 of Space Accident Liability Act, to be insured for the compensation for damage is obligatory. It says: "In accordance with Article 11 in the Space Exploration Promotion Act, the person who wants to receive an approval f3r launching needs to be insured in compensation for the possible damage by space accidents.

• 한국콘텐츠학회논문지
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• 제21권3호
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• pp.314-323
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• 2021

이 연구의 목적은 국내거주 건강보험 가입 외국인의 국적 및 자격유형별 의료이용현황을 분석하는 것이다. 2018년 건강보험 가입 외국인 중 보험료 결측인원을 제외한 1,058,886명을 분석대상으로 선정하였다. 분석결과, 의료를 한 번이라도 이용한 사람은 822,267명으로, 의료이용률은 약 78%임을 확인할 수 있었다. 이용 인원 수가 많은 국가는 중국, 베트남, 미국 순이었다. 1인당 총 진료비는 입원과 외래에 관계없이 미국이 가장 높았다. 자격유형별로는 지역가입자의 1인당 진료건수, 외래진료비, 입원진료비가 가장 높았으며, 1인당 입원 일수는 직장피부양자가 가장 높았다. 마지막으로 중국인과 지역가입자는 다른 그룹에 비해 납부한 보험료 대비 많은 혜택을 누리고 있음을 확인할 수 있었다. 이 연구는 외국인 건강보험 당연적용제도 시행 이전 자료를 사용함으로 인해 현재 상황을 정확히 보여주고 있지 못하지만, 추후 변화에 대한 비교분석을 위한 기초자료를 만들었다는 점에 그 의의가 있다.