• Title/Summary/Keyword: Non-Life Insurance

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A Normative Review on Non-Invasive Prenatal Diagnosis (NIPD): Focusing on the German Discussion on PrenaTest®

  • Kim, Na-Kyoung
    • Development and Reproduction
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    • v.25 no.2
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    • pp.113-121
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    • 2021
  • This article aims to introduce German discussion on the approval of the non-invasive prenatal diagnosis (NIPD), which started with the development of PrenaTest® by LifeCodexx AG. The discussion started with the concern that the non-invasive nature of NIPD, such as PrenaTest®, may rapidly expand the use and scope of similar tests, thus leading to a new era of eugenics. Based on this concern, the need for clear clinical guidelines on specific indications for NIPD has been suggested. Along the same line, it was discussed whether PrenaTest® is against the Basic Law prohibiting discrimination on grounds of disability and whether the test is outside the scope of the purpose of gene testing limited by Genetic Diagnosis Act. Through such discussion, the Federal Ministry of Health of Germany established the preconditions for inclusion of NIPD in the German public health insurance system. For this, the German motherhood guideline was amended and the information for the insured persons provided to pregnant women was included in the amended guideline. Such discussion made in Germany provides insight on which points should be considered when various gene testings are accepted in Korea, in which genetic communication has not been systematized yet. In particular, German counseling system for pregnant women will provide valuable insights for Korea where the direction for regulations on abortion has not been established even after the ruling by the Constitutional Court that charges for abortion are against the constitution.

Ratemaking based on the claim size distribution (손해액 분포 결정에 따른 보험료 산출)

  • 차재형;이재원
    • The Korean Journal of Applied Statistics
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    • v.13 no.2
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    • pp.247-263
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    • 2000
  • Natural catastrophe is defined as all damages caused by natural phenomenon such as typhoon, flood, inundation, windstorm, tidal wave, tremendous snowfall, drought,earthquake and to on It is classified at a huge hazard because of the large severity ofdamage In Korea, Fire Insurance policy includet the coverage clauses and rates of naturalcatastrophe like'Flood , Inundation Coverage Clause'and'Earthquake Coverage Clause'These clauses and rates do not reflect accurate risk of flood, inundation and earthauakein Korea. because those are tariff from other countries Hence, we determine the claimsize distributions and the rates for typhoon coverage and flood-inundation coverage byusing statistical methods which have not been used so far in Korean non-life insurance,and calculate appropriate premium for policyholder's interest

A Study on the Prospects of the Financial IT Services Industry using the Correlation Analysis of the IT Budget in the Financial Industry (금융산업의 IT예산 상관관계 분석을 통한 금융IT서비스산업의 발전전망에 관한 연구)

  • Park, Sang-Kook;Han, Kyeong-Seok
    • Journal of Digital Convergence
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    • v.12 no.3
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    • pp.55-62
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    • 2014
  • According to the existing studies, the yearly IT budget on Korean financial industry has the same pattern with the GDP Change trend. We analyzed the correlation between GDP and the IT budget of financial industry for the 20 years since 1993. According to the results, as time went by the IT budget of bank, life insurance and securities has been consistently maintained a downward trend. On the other hand, it was confirmed to be maintained a upward trend of the non-life insurance's IT budget. As a result, we analyzed the impacts of IT regurations in the financial industry, then proposed the policy directions of the financial IT services industry.

Analysis on the Multiple Frequency Disease Trend of Yeongbuk in Gangwon-do (강원도 영북권역 다빈도 질환 추세분석)

  • Lee, Si-Kyoung
    • Journal of the Health Care and Life Science
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    • v.8 no.2
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    • pp.135-142
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    • 2020
  • The purpose of this study was to analyze the frequency of use of hospitalization/outpatient care of patients with addresses in Yeongbuk-gu, Gangwon-do to identify the medical demand and status of medical use in Yeongbuk-do. The National Health Insurance Corporation (www.data.go.kr) conducted an analysis of health insurance and medical benefits (inpatient/outpatient) claims data from 2003 to 2017. The order of the highest frequency of chronic disease was ranked from 1st to 60th according to 'Healing Case and %'. In addition, the use of patients at Sokcho Medical Center, the only hospital in the Yeongbuk region, was analyzed at the same time. According to the analysis, the use of outpatient treatment and In-patients in the Yeongbuk area of Gangwon-do is increasing due to chronic non-infectious diseases from the past acute diseases. In particular, it is necessary to expand the functions of schizophrenia and obstetrics and gynecology and to carry out specific health projects necessary for the health care of the local community. Through this, we should improve the quality of life in Yeongbuk, Gangwon Province.

The Causes of Death of the Institutionalized Population of Kkottongnae : Comparison between Severe Mental Illness Group(SMI) and Non-Severe Mental Illness Group(Non-SMI) (SMI군과 Non-SMI군의 사망원인 비교분석 : 일 장기요양기설 입소자를 대상으로)

  • Moon, Su Jin;Kim, Kyoung Hoon;Song, Ji Young;Paik, Jong-Woo
    • Korean Journal of Biological Psychiatry
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    • v.16 no.3
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    • pp.198-204
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    • 2009
  • Objectives : Schizophrenia and other psychiatric disorder are associated with an increased risk of premature death. For decades, there have been reports of shorter life expectancy among those with severe mental illness. The purpose of this study was to compare the risk of mortality among institutionalized population, treated for severe mental illness to control group who did not have severe mental illness. Methods : The medical records and the death certificates of 2,029 institutionalized population who had died from 1985 to 2003 in Kkottongnae were investigated. Results : The mean age of the death of severe mental illness(SMI) group(51.4${\pm}$15.3 years old) was lower than that of non-severe mental illness(non-SMI) group(65.0${\pm}$19.3 years old) and it was statistically significant(p<0.0001). The most causes of death among the SMI group were respiratory diseases(23.3%), infectious disease (13.0%) and digestive disease(12.3%). Also, we found that the death due to injuries of the SMI group(8.9%) were three times higher than that of non-SMI group(2.5%). The most causes of death among the non-SMI group were respiratory disease(26.3%), circulatory disease(26.2%) and neoplasm(10.8%). Conclusion : The SMI group demonstrated higher mortality rates compared with the rate in the non-SMI group. The finding suggests that careful intervention is needed not only for menal health but also physical health in long-term facilities.

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A Study of the Relationship Between Perceived Social Support and Quality of Life of Cancer Patients receiving Gene therapy (유전자 치료를 받는 암 환자가 지각하는 사회적 지지와 삶의 질과의 관계 연구)

  • Chang, Mi-Kyung;Kim, Kyung-Hee;Chung, Yeon-Kang
    • Research in Community and Public Health Nursing
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    • v.8 no.1
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    • pp.74-88
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    • 1997
  • The purpose of this study was to identify the relationship between perceived social support and the quality of life of cancer patients receiving gene therapy. The subjects for this study were 50 cancer patients receiving gene therapy at two general hospital in Seoul. The data were collected during the period from October 14, 1996 to November 11, 1996. The perceived social support was measured by the family support scale made by Hyun Sook Kang, by the medical support of life scale developed by Ok Soo Kim. The quality of life scale developed by Bang-Whal-Ran was used, among the questionnaire, physical factors was developed by U.S.A National Conference on Cancer Nursing. The data was analysed by the SAS statistical program. Percentile, means and standard deviations, t -test, ANOVA, Scheffe test, Pearson correlation were utilized for analysis. The results of this study were as follows. 1. The mean score of the perceived social support of the subjects was 83.66, the item score was 3.8. 1) The mean score of the perceived family support of the subjects was 44.96, the item mean score was 4.5. 2) The mean score of the perceived professional medical support of the subjects was 38.70, the item mean score was 3.2. 2. The mean score of quality of life of the subjects was 120.38, the item mean score was 3.17. For each factor in quality of life scale, the mean score was follows: for attitude toward life, 3.95, for familial relationship and financial status, 3.53, for social activity 3.24, for emotional status, 3.08, for healthy perceptive, 2.90, for physical symptom, 2.80. 3. The result of the analysis of the relationship between perceived social support and quality of life showed a positive correlation(r=.4853, p=.0004). Therefore, the higher the perceived social support of the patients, the higher the quality of life. 1) The result of the analysis of the relationship between perceived family support and quality of life showed significant correlation(r=. 3566, p=.0110). Therefore the higher the perceived family support of the patients, the higher the quality of life. 2) The result of the analysis of the relationship between perceived professional medical support and quality of life showed significant correlation (r=.4477, p=.0011). Therefore, the higher the perceived professional medical support of the patients the higher the quality of life. 4. There was a significant difference in perceived social support according to sex(F=2.1437, p= .0371), others coping non-family (F=2.4863, p=.0164) and duration of treatment (F=4.16, p=.0218). 5. There was a significant differance in quality of life according to sex(F=2.6932, p=.0097), degree of education(F=2.3610, p=.0223), others coping non-family(F=2.0502, p=.0458). In conclusion, this study revealed that social support is an important factor that associated with the quality of life in cancer patients receiving gene therapy.

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Reliability of self-reported data for prevalence and health life expectancy studies: comparison with sample cohort DB of National Health Insurance Services (자가 응답식 자료에 근거한 유병률 및 건강기대수명 연구의 신뢰도 분석: 건강보험 표본코호트 DB와의 비교)

  • Kwon, Tae Yeon;Park, Yousung
    • The Korean Journal of Applied Statistics
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    • v.29 no.7
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    • pp.1329-1346
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    • 2016
  • Korea Health Panel (KHP) data and Korea National Health and Nutrition Examination Survey (KNHANES) data are collected by self-assess and self-report for individual's health status and medical use. Previous studies have claimed that the reliability for prevalence rates and health life expectancies obtained from these data should be validated. National Health Insurance Services in Korea recently released a sample cohort DB that contain all data related to the use of medical facilities for all entire Korea citizens. It has been shown that disease-specific prevalence rates calculated from these data are representative and reliable for the entire population. In this paper, we evaluate the reliability of prevalence rates derived from self-reported data such as KHP and KNHANES by comparing to the prevalence rates from the sample cohort DB. We found that both KHP and KNHANES underestimate prevalence rates and in turn overestimate health life expectancies. Moreover, the general trends of health life expectancies might be distorted (except for the sample cohort DB) because of sampling and non-sampling errors.

The Effect of Farming Labor in Later Life on the Social Welfare Expenditure (노년기 농업노동의 사회복지비용 절감 효과 분석)

  • Yoon, Soon-Duck;Park, Gong-Ju;Kang, Kyeong-Ha
    • 한국노년학
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    • v.25 no.2
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    • pp.109-126
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    • 2005
  • Recently it has been encouraged in developed countries that labor force participation of the elderly is one of the means to cut down the cost of social welfare for them. However, empirical studies have rarely explored how work in later life contributes to national economy. Especially, even though 56.6 percent of elderly workers aged 65 and older engaged in agriculture and forestry in Korea, their contribution has been socio-economically overlooked. This study aims at examining the effect of farming labor in later life on social welfare expenditure. For this purpose, social welfare expenditure was defined as social benefits provided for the elderly by the social security in public sector and measured as transportation allowance, pension, livelihood aid, medical aid, and health insurance in 2003. Data were obtained from National Health Insurance Cooperation and 37 town/village offices and analyzed by 3 age groups; 65~74, 75~84, and 85 and over using SPSS/PC windows program. Results showed that both livelihood and medical support in all age groups were expended more to non-farm than to farm workers. The amount differences per person between them were 113,959~361,132 won in livelihood support and 15,644~51,418 won in medical support. Also, participation in farming influence reduction of livelihood expenditure for the group 65~74 and 75~84 and that of medical expenditure only for the group 65~74. Based on these results, it was estimated the amount of social welfare expenditure reduced by farming labor in later life. The limit of this study and the policy implications of the results are discussed.

Comprehensive Measures for Disease Prevention and Health Promotion (질병예방 및 건강증진 종합 대책)

  • 홍문식
    • Korean Journal of Health Education and Promotion
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    • v.8 no.1
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    • pp.5-13
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    • 1991
  • While the threat from traditional communicable diseases have been decreasing non communicable chronic diseases are increasing due to the aging of population and change in life pattern of the people such as over intake of cholesterol and lack of physical exercise etc. On the other hand, since 1980s, AIDS is spreading rapidly throughout the globe and environmental pollution, accidents, addictive diseases such as drug abuse and alcoholism are becoming serious factors to hinder the health promotion of the people. In order to improve general public health and promote individual health status, existing program for communicable disease control by the government such as tuberculosis, leprosy, STD and acute communicable diseases should be effectively continued. In principle, effort should be placed on eradication of source of infection, reduction of communicability of source in infection, treatment of source of infection as well as increase of individual registance to the diseases through immunization and improvement of physical status. Since the pattern of illness is being shifted from communicable diseases to non communicable chronic diseases such as cancer, cerebral hemorrhage, heart disease and hypertention etc., special emphasis should be placed on the prevention and control of those adult diseases. Early detection of the patients, registration and treatment of patients and health education should be systematically developed for effective control of the diseases. In addition, program activities on MCH, nutrition, dentistry, mental health, environmental health, accident prevention. medical delivery system, health insurance. and all other health issues should be improved in order to achieve our goal of health promotion.

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Health Status and Social Support among the Elderly Living Alone with Restricted Daily Functions (홀로 사는 일상생활 기능제한 노인의 건강 상태 및 사회적 지지 현황)

  • Park, Young-Hee
    • The Korean Journal of Health Service Management
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    • v.12 no.1
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    • pp.95-107
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    • 2018
  • Objectives : This study was performed to investigate the health status and social support among elderly living alone with restricted daily functions using the data of the "2014 the Korean Elderly Survey". Methods : Data on 2,407 elderly living alone were drawn and statistically examined using a t-test, an ANOVA, and a multiple regression analysis. Results : The study found that first, the elderly living alone with restricted daily functions comprised 22.1% of the total elderly living alone, and those who were older elderly, illiterate, with low-income, having poor nutrition management, and with a poor health status. Second, among the elderly living alone with restricted daily functions, there was a group with very little support from the family and only 14.0% were covered by long-term care insurance. Third, the life satisfaction of the elderly with restricted functions was lower than that of the non-restricted elderly, and was affected by income, health conditions, depression, access to senior welfare centers, and communication with others. Conclusions : The elderly living alone with restricted daily functions have serious health risks and social support, and hence they should be provided with more proactive support for life, health care and social care to live independently within their communities.