• Title/Summary/Keyword: Life Insurance

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Overview of respiratory diseases in terms of insurance medicine (주요 호흡기질환의 보험의학적 이해)

  • Lee, Sin-Hyung
    • The Journal of the Korean life insurance medical association
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    • v.30 no.2
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    • pp.20-27
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    • 2011

  • Lung diseases are common in general population and they are also important in insurance medicine. According to current textbook of insurance medicine, there are references of western research which performed at 1980s and early 2000. It's necessary to update the reference. In this article, several respiratory disorders such as Kartagener's syndrome, bronchial asthma, drug-resistant tuberculosis, etc are reviewed in terms of insurance medicine. Reference articles were used in Korean study, if possible. I hope this article being a role of helping many insurance doctors and underwriters in Korea.

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Who Needs Life Insurance? - Focusing on Recognition of Insurance and Socioeconomic Values - (어떤 사람이 보험을 필요로 하는가? - 보험 인식 및 사회경제적 가치관을 중심으로 -)

  • Koo, Hye-Gyoung
    • The Journal of the Korea Contents Association
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    • v.21 no.8
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    • pp.315-328
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    • 2021

  • The study identified 1,500 adult consumers aged 25-54 years with life insurance within the last year as three groups, top, middle and bottom of need recognition, and demonstrated differences in insurance and finance perception and socioeconomic value perception. In particular, the study sought to identify the influence of socioeconomic value recognition factors in addition to overall recognition factors related to insurance and finance, the number of insurance held and insurance satisfaction. Overall recognition factors related to insurance and finance were classified as 'recognition of insurance as a means of professional management and finance', 'self-directed insurance design and contract' and 'recognition of economic burden on insurance'. Socioeconomic value recognition factors were divided into 'socioeconomic self-sufficiency', 'work-life value pursuit' and 'economic value pursuit'. We identified factors that affect the recognition of a higher need for insurance needs as a higher recognition of need for insurance needs. In particular, the most influential factor for the median group was the recognition of insurance as a professional management asset-tech product, and the upper group was found to be a work-life balance factor. The second influential factor was self-directed insurance design and contract factors for both groups. In order to increase the rate of insurance subscription in the future, insurance should be recognized as an essential product to pursue work-life value, and continuous improvement in information exploration conditions for consumers to explore information and compare products will be important to revitalize the insurance market.

  • https://doi.org/10.5392/JKCA.2021.21.08.315 인용 PDF KSCI HTML

Review of chronic obstructive pulmonary disease (COPD) in terms of insurance medicine (만성폐쇄성폐질환의 보험의학적 이해)

  • Lee, Sin-Hyung
    • The Journal of the Korean life insurance medical association
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    • v.29 no.1
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    • pp.12-15
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    • 2010

  • Global prevalence of chronic obstructive pulmonary disease(COPD) is known to 5.6 ~ 9.8%. Then life insurance applicants from persons with COPD are frequently encountered, and the underwriter and insurance medical doctors are called on with some regularity to render assessments of the mortality risk associated with COPD. According to previous article which contains long-term follow up of COPD, mortality ratio and excess death rate were 230% and 29 per 1000, respectively. Nowadays molecular genetic methodology such as GWAS has been developed. So it might be possible that molecular diagnostic methods may be one of useful underwriting tools in the life insurance risk selection of COPD applicants.

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Screening Insurance Applicants for Diabetes: A Korean Perspective

  • Robert J, Pokorski
    • The Journal of the Korean life insurance medical association
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    • v.28 no.1_2
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    • pp.19-24
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    • 2009

  • This article discusses the use of fasting blood glucose (FBG) and hemoglobin A1c (A1c) to identify insurance applicants who have diabetes or are at high risk for developing diabetes in the future. The conclusion is that the addition of A1c to insurers'underwriting requirements, either as a reflex or a routine (universal) test, may be a cost-effective strategy to manage the risk associated with impaired fasting glucose (IFG) and diabetes.

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