• Journal of the Korea Academia-Industrial cooperation Society
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• 제7권3호
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• pp.483-493
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• 2006

The purpose of the study is to make a proposal of how to improve the separate account in Korean life insurance accounting and regulations. A separate account is required to improve the transparency of accounting and fairness of dividing the profit between company and lift insurance contractors. A separate account may be the first step to solve this conflict by clearing the profit sharing of shareholder's and contractor's of the insurance with dividend. The separate account should be designed to reflect the real economic consequences of insurance company and consider the real outcome of the performance-based insurance commodities. The separate account should contain the rules of IASs and KASs. If a separate account is successfully settled down, the portions of contractor's dividend and the dispute about initial public offering of insurance companies can be solved gradually.

• The Journal of the Korean life insurance medical association
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• 제3권1호
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• pp.6-37
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• 1986

• The Journal of the Korean life insurance medical association
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• 제33권2호
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• pp.15-17
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• 2014

All Korean people are eligible for National Health Insurance(NHI). But large non-coverage of NHI is a big problem. The origin of this problem is from medical fee schedules. NHI calculate all hospital income including insurance medical practice, non-insurance medical practice and non-medical income(i.e. a funeral hall, a parking lot, stores in hospital).

• The Journal of the Korean life insurance medical association
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• 제27권1호
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• pp.18-20
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• 2008

I have taught various case audit underwriting methods to underwriters for many years. Underwriting requires specialized medical knowledge and experience of comprehensive individual risk analysis. Decisions in individualized underwriting depend on the insurance company's management philosophy and vision, marketing strategies, culture, product line etc. They also depend on the information acquired through proposal forms, inspection reports, laboratory results and disclosures. Underwriters match this acquired information to each insurance product, search appropriate medical resources, assess the probabilities of future claims, and decide what, if any, further medical information should be gathered. Sources include doctors' reports, medical records, biopsies, blood and urine tests, CT, MRI, Holter monitoring, sonography etc. Insurance medical directors help and teach underwriters to analyze individual medical risks and make effective.

• The Journal of the Korean life insurance medical association
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• 제27권2호
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• pp.75-79
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• 2008

This article summarizes current knowledge about the metabolic syndrome (MetSyn) and addresses the question, "Does the MetSyn add new information that is important from an underwriting and pricing perspective?"

• Korean Journal of Mathematics
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• 제16권2호
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• pp.145-156
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• 2008

When we consider a life insurance company that sells a large number of continuous T-year term life insurance policies, it is important to find an optimal strategy which maximizes the surplus of the insurance company at time T. The purpose of this paper is to give an explicit expression for the optimal reinsurance and investment strategy which maximizes the expected exponential utility of the final value of the surplus at the end of T-th year. To do this we solve the corresponding Hamilton-Jacobi-Bellman equation.

• The Journal of the Korean life insurance medical association
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• 제2권1호
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• pp.37-44
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• 1985

A study on the occurrence of hepatitis B has been done for 2,680 employees in Daehan Life Insurance Company. The positive rates of HBsAg and anti-HBs were 6.56% and 18.9% respectively. The positive rates of HBsAg and anti-HBs were higher by 2.25% and 2.06% respectively in male than in female. HBsAg and anti-HBs positives were higher at age of 30 to 50 years than other age groups. The drinker group shows higher positive of HBsAg and anti-HBs by 10.44% and 4.26% respectively than non-drinker group. Most of the results of liver function tests in HBsAg positive cases were within reference ranges. HBsAg or anti-HBs positive rate in the family members of HBsAg or anti-HBs positive employees was higher than the over-all positive rates of all subjects, by 14.55% in case of HBsAg and by 2.21% in case of Anti-HBs.

• The Journal of the Korean life insurance medical association
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• 제28권1_2호
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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.

• The Journal of the Korean life insurance medical association
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• 제29권2호
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• pp.8-17
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• 2010

• Proceedings of the Safety Management and Science Conference
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• 대한안전경영과학회 2001년도 춘계학술대회
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• pp.235-239
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• 2001

The purpose of this study is to develop an insurance system for product quality liability(PQL) by reviewing some legal issues concerning the product liability It is concluded that the purpose and the function of PQL insurance have to be considered with robust experience data for the life of product, quality system of the company, size of company, the number and amount of products produced by a company and the type of company etc. And this article reviews some problems of policy including the possibility of anti-selection and reverse selection.