• 제목/요약/키워드: Insured Person

검색결과 17건 처리시간 0.026초

Incoterms(R) 2010의 보험계약조항에 관한 고찰 (A Study on the Clauses of Insurance Contracts on Incoterms(R) 2010)

  • 김희길
    • 무역상무연구
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    • 제53권
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    • pp.135-153
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    • 2012
  • Incoterms is a standard transaction terms and conditions which is established to provide goods delivery, cost and risks between the seller and the buyer as a principle concerned. Incoterms is made of international rules about regular uses of transaction terms and condition. It removes uncertainty of misunderstanding and applying rules, commercial customs and etc, between nations. Incoterms does not have an enforcement like an unified rules or an agreements established between different nations. Therefore, it is just considered as a standard formal terms and conditions from International Chamber of Commerce. For those reasons, validity of Incoterms applies only when parties of contract come to an agreement not by officially adopted or applied by law in each nation. Incoterms 2010 contains specific and clear articles which is fixed version of incoterms 2000, it has insufficient points on insurance contract article. Though, insurance contract belongs to sales contract, it sustains independence itself. It is difficult to sustain perfection until establishment of insurance contract and expiration by fixing the articles. As a result, it is necessary for sellers and buyers take a full responsibility of making complete insurance contract. This paper is written for those reasons in this filed.

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고혈압 건강진단의 비용분석 (Cost analysis of hypertension screening program)

  • 박은철;유승흠
    • Journal of Preventive Medicine and Public Health
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    • 제22권3호
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    • pp.380-388
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    • 1989
  • To evaluate the costs of the hypertension screening program of the Korea Medical Insurance Corporation, the records of the screening examinations were used. The sample size was 49,983 of the 906,554 people insured by the Corporation and was obtained by two-stage stratification random sampling. The alternatives for efficiency of the screening program, which were divided into three categories : modification of the screening test package, application of other hypertension diagnostic criteria, and selective approach of tested groups by age, were evaluated according to the cost per patient detected. The results of this study were as follows In the hypertension screening system, the cost per patient detected was Won 30,883. The most nonsensitive test for hypertension detection was ophthalmoscopy, which was examined during the second stage of screening. If the ophthalmoscope examination was excluded, olny one person was not detected, which was 0.2% of detected persons, and the cost per patient detected decreased to Won 28,098. The most efficient modification of the screening test package was measurement of blood pressure through the first and second stages of screening. The cost per patient detected by this modification was Won 24,408. The application of other diagnostic critera, which were more restricted criteria, increased the cost per patient detected by 3.7%-6.7%. The cost per patient detected were Won 170,582 for persons less than 39 years old, Won 20,032 for persons 40 to 59 years old, and Won 8,675 for persons 60 years old and over. In conclusion, the best alternative suggested with respect to efficiency and practical application excluded the ophthalmoscope examination of second stage screening and restricted the target population to persons greater than 40 years old. The application of this alternative decreased 54.9% of the screening costs and the cost per patient detected was Won 15,222. This study was limited in that measurement of effectivenes was not of the ultimate goal of screening, which is decreasing morbidity and mortality, but was of disease detection as the short-term objective.

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한국 노인의 일반촬영 이용량 및 피폭선량: 2016년 고령환자데이터 기반 (General Radiography Usage and Exposure Dose of Korean Elderly: Based on Data from Aged Patients in 2016)

  • 길종원;유세종;이원정
    • 대한방사선기술학회지:방사선기술과학
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    • 제44권5호
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    • pp.495-502
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    • 2021
  • This study aims to provide basic data for elderly health insurance policy and medical radiation safety management by analyzing the general radiography usage and exposure dose of the elderly in Korea. The effective dose for each general radiography was calculated using the ALARA-GR program for 260 general radiography codes selected from 'National Health Insurance Care Benefit Cost'. The usage of general radiography was analyzed in the 2016 elderly patient data of the Health Insurance Review and Assessment Service, and the effective dose for each general radiography was applied. The general radiography usage and exposure dose per person aged 65 years and over was 6.47 cases and 0.56 mSv. Females showed higher value than males as 7.15 cases and 0.66 mSv(p<.001). By age, those between 75 and 79 showed the highest number as 6.97 cases and 0.62 mSv(p<.001). Those who were supported by Medical Aid showed higher value than those who were insured by National Health Insurance as 8.82 cases and 0.76 mSv(p<.001). In addition, the ratio by radiography was in the order of Chest 20.85%, Knee Joint 15.58%, and L-spine 14.67%, and the exposure dose was L-spine 29.40%, Chest 15.82%, Abdomen 7.97%, and Entire Spine 7.20%. General radiography, which is widely used due to the high frequency of diseases in the elderly population should be taken into consideration when establishing health insurance policies. In addition, it is necessary to check whether the general radiography with high exposure dose is performed as a routine examination without considering medical necessity.

입원환자 일반촬영 이용량 및 피폭선량: 2018년 입원환자데이터 (General Radiography Imaging Usage and Effective Dose of Inpatients: Based on Data from Inpatients in 2018)

  • 길종원
    • 대한방사선기술학회지:방사선기술과학
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    • 제47권2호
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    • pp.107-116
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    • 2024
  • In this study, we analyzed the use of general radiography imaging and effective dose in inpatients. Our aim is to help reduce national medical radiation exposure doses and develop rational health-care financial policies. The effective dose for each general radiography was calculated using the ALARA-GR program for 53 types (total: 260 codes) general radiography codes selected from 'National Health Insurance Care Benefit Cost'. The usage of general radiography was analyzed in the 2018 inpatient patient data of the Health Insurance Review and Assessment Service, and the effective dose for each general radiography was analyzed. 89.00% of inpatients undergo general radiography imaging at least once, with an average of 12.63 scans per person and an effective dose of 1.00 mSv. Those who received support from Medical Aid showed a higher value compared to those who were insured by National Health Insurance, with 17.39 cases and 1.43 mSv (p<.001). Chest had the highest usage rate at 23.12% for general radiography imaging, while L-spine had the highest effective dose at 24.53%. It is estimated that 420 inpatients patients undergo 121 to 820 general radiography imaging procedures per year, and 233 inpatients are estimated to have an annual effective dose of >20.00~58.25 mSv. Rational use of health-care finances and the practice of medical radiation safety management are essential for the well-being of individuals, the enhancement of quality of life, and the improvement of health-care quality.

우주사고와 손해배상 (Study on the Insurance and Liability for Damage caused by Space Objects)

  • 김선이
    • 항공우주정책ㆍ법학회지
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    • 제19권1호
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    • pp.9-35
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    • 2004
  • 우리나라는 1994년에 우주센터가 건설되어 1995년부터 본격적인 우주개발시대로 진입하게 되었으며 2002년 11월 28일 충남 해상의 한 기지에서 우리나라가 독자적으로 개발한 액체추진로켓인 KSR-III(3단형 과학로켓)가 성공적으로 발사됨에 따라 2005년까지 100kg급 소형위성 발사체를 개발하고 2010년까지는 저궤도 실용위성 및 발사체를 자력으로 개발하는 등 자력에 의한 우주발사체제를 갖추게 되었다. 그러므로 위성발사를 위한 로켓의 시험발사를 자주 하게 됨으로 발사사고에 대한 법적 처리를 대비하기 위하여 지금 추진 중인 우주개발진흥법안 제14조에서는 우주물체이용에 따른 손해배상책임을 규정하여 입법적으로 해결하고 있다. 그러나 동법 안 제15조에서는 보험 가입을 강제성을 띠어 의무적으로 하여야 하는데 이에 대하여 명백히 규정하고 있는 것이 아니라 우주물체를 대한민국 영토, 영해 및 영공 내에서 발사할때 과학기술부 장관의 허가를 받도록 하면서, 필요한 경우에 당해장관이 손해배상을 목적으로 하는 보험부보를 허가요건으로 정할 수 있다고 규정하고 있을 뿐이다. 피해자를 확실히 보호하고 책임의 분산을 위해서도 강제성을 띤 의무조항으로 규정하여야 한다. 더 나아가 정부는, 우주산업은 지식 및 노동집약산업으로 그 부가가치가 높고 에너지가 덜 들고 다른 산업에 미치는 기술 파급효과가 대단히 큰 산업이므로 우주개발중장기 기본 계획을 보완하여 우주산업 분야에 집중 투자할 필요가 있다고 생각한다.

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암 환자의 사망 전 6개월의 의료비용 (Medical Expenses during the last 6 Months of Life in Cancer Patients)

  • 박노례;윤영호;신순애;정은경
    • Journal of Hospice and Palliative Care
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    • 제2권2호
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    • pp.109-113
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    • 1999
  • 목적 : 말기 암 환자들을 위한 적절한 의료서비스가 제공되지 않음에 따라 비정상저인 의료행태가 발생되고 있어 말기 암 환자의 관리를 위한 포괄적인 프로그램의 필요성이 제기되고 있다. 고가의 생명유지장치의 무익성과 말기 암 환자 관리의 고 비용에 대한 관심이 늘어나고 있다. 본 연구는 의료보험에서 말기 암환자들에게 지출된 의료비용을 분석하고자 하였다. 방법 : 1997년 1월부터 1998년 6월까지 사망한 암 등록환자 중 공무원 교직원 의료보험 자료 이용이 가능한 151명의 급여내역을 추출하여 입 내원 일수와 의료보험 진료비를 조사하였다. 결과 : 사망 전 6개월 동안의 암 환자 일인당 평균 입원일수는 39일 외래일수는 14일이었다. 진료 일당 평균 진료비는 85,362원이었으며 입원 일당 평균 진료비는 105,908원, 외래 내원 일당 평균 진료비는 40,173원이었다. 진료비의 95%가 종합병원에서 지출되었으며, 진료비의 85%가 입원을 통해 지출되었다. 사망 전 6개월 동안의 진료비는 점차 증가하는 경향을 보여 사망에 가까울수록 사망 전 2개월 동안에 약 50%, 1개월 동안에 약 30%가 지출되었다. 외래진료비는 사망 전 3개월 전까지는 증가하다가 2개월 전부터는 감소하는 반면, 입원진료비는 사망에 가까울수록 증가하는 경향을 보였다. 결론 : 본 연구의 사망 전 6개월간의 의료비 분포는 미국의 메디케어의 자료와 비슷한 분포를 보였다. 향후 보다 큰 규모와 세부적인 진료서비스 내용의 분석을 통해 말기 암 환자의 관리에 대한 정책적 대안을 제시할 필요가 있다.

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정상 성인에 있어서의 B형 간염 바이러스 감염에 관한 혈청역학적 연구 (Seroepidemiology of Hepatitis B Virus Infection in Healthy Korean Adults in Seoul)

  • 유근영;박병주;안윤옥
    • Journal of Preventive Medicine and Public Health
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    • 제21권1호
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    • pp.89-98
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    • 1988
  • While there have been not a few reports on the seroepidemiological characteristics of hepatitis B virus (HBV) infection in Korea, most of them, however, have had several limitations; operational definition of HBV infection, validity of detection methods of HBV serologic markers, size of the study population, and confirmation of the vaccination history against HBV, etc. In order to avoid such limitations, authors randomly selected 1,495 healthy adults among the 217,511 insured (target population) of Korean Medical Insurance Corporation, living in seoul, and tested HBV serologic markers by RIA method and conducted direct interview to them. Although HBV serologic markers (HBsAg, anti-HBs and anti-HBc) of all the subjects were tested, 392(26.2%) of interview failure cases and 361 vaccinee were excluded from the actual population. Finally, the serologic markers tested of 742 nonvaccinee (study population) only were analysed for the seroepidemiologic observation of the natural infection of HBV. The seroepidemiological characteristics of HBV infection in Korea were as follows ; 1. Point prevalence of HBs antigenemia was 11.7(9.1{\sim}14.3)% in male, which was slightly higher than that of female, 9.5($3.7{\sim}15.3$)%. This level was one of the highest among those of Asian-Pacific countries. Decreasing tendency of HBsAg prevalence alter the age of 50 was observed, which seems to be due to selective attrition of HBV chronic carriers among the healthy adults and/or to the limited-lasting duration of the HBs antigenemia, in part. 2. Point prevalence of anti-HBc(78.8% in male,50.9% in female) was higher than that of anti-HBs(65.2% in male,46.6% in female), respectively. And both of them were higher in male than in female. Increasing tendency of the prevalence of both antibodies was observed by age, which seems to be largely due to recurrent infection in adults and to some cumulative effect, in part, of their relatively longer-lasting duration. 3. The level of HBV infection defined by positive for at least one of the 3 serologic markers of HBV by RIA method was 84.7($81.8{\sim}87.6$)% in male and 61.2($51.9{\sim}70.5$)% in female, which was also one of the highest among those of Asian-Pacific countries. The proportion of susceptible population to HBV infection among healthy adults was 15.3% in male and 38.8% in female. 4. The relative frequency of current or past infection and chronic carrier among HBV infected person was estimated. The currently or past infected was estimated 75.7% in male and 71.8% in female, and chronic carrier state, 13.8% in male and 14.1% in female. The analysis of the geometric mean of the antibody titer in anti-HBs positive sera indicated also to be compatible with the above findings, suggesting that active, even though inapparent, infection of HBV occur so frequently among healthy adults in Korea.

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