• Communications for Statistical Applications and Methods
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• 제24권3호
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• pp.211-226
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• 2017

The chain-ladder method, for which run-off data is employed is popularly used in the rate-adjustment and loss-reserving practices of non-life-insurance and health-insurance companies. The method is applicable when the underlying assumption of a consistent development pattern is in regards to a cumulative loss payment after the occurrence of an insurance event. In this study, a modified chain-ladder algorithm is proposed for when the assumption is considered to be only partially appropriate for the given run-off data. The concept of a structural-change point in the run-off data and its reflection in the estimation of unpaid loss amounts are discussed with numerical illustrations. Experience data from private health insurance coverage in Korea were analyzed based on the suggested method. The performance in estimation of loss reserve was also compared with traditional approaches. We present evidence in this paper that shows that a reflection of a structural-change point in the chain-ladder method can improve the risk management of the relevant insurance products. The suggested method is expected to be utilized easily in actuarial practice as the algorithm is straightforward.

• Journal of applied mathematics & informatics
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• 제32권3_4호
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• pp.343-357
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• 2014

In many non-life insurance applications past data are given in a form known as the run-off triangle. Smoothing such data using parametric crisp regression models has long served as the basis of estimating future claim amounts and the reserves set aside to protect the insurer from future losses. In this article a fuzzy counterpart of the Hoerl curve, a well-known claim reserving regression model, is proposed to analyze the past claim data and to determine the reserves. The fuzzy Hoerl curve is more flexible and general than the one considered in the previous fuzzy literature in that it includes a categorical variable with multiple explanatory variables, which requires the development of the fuzzy analysis of covariance, or fuzzy ANCOVA. Using an actual insurance run-off claim data we show that the suggested fuzzy Hoerl curve based on the fuzzy ANCOVA gives reasonable claim reserves without stringent assumptions needed for the traditional regression approach in claim reserving.

• 보건교육건강증진학회지
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• 제20권1호
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• pp.41-60
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• 2003

This study, performed to analyze the factors associated with health and cancer screening using preventive programs form health insurance among the women of a community, through a survey of about 923 women in Euijungbu-city. The subjects of the study were selected by a proportional cluster sampling method. The self-reported questionnaire was intended to fine factors associated with health screening and cancer screening. The results of this study were as follows: 1. In the case of health screening using health insurance, 14.1% of the subjects turned out to have been screened once or more in their respective life-time. Reasons given for non-participation in the screening were : 'lacking screening information', a belief that' it's not useful' and a belief that they' weren't sick'. 2. The factors associated with health screening behavior were age, educational level, number of doctor visits, BMI and health promotion behavior(p<0.01, p<0.05). Also, the factors associated with health screening behavior were cue to action and health status, and the predictors on health screening behavior were age and health promotion behavior(p<0.01, p<0.05). 3. In the case of cancer screening through the health insurance, 7.4% of the subjects turned out to have been screened once or more respectively in their life-times. Reasons given for non-participation in the screening were : 'lacking screening information', a belief they 'weren't sick' and that it's not useful'. 4. The factors associated with cancer screening behavior were age, educational level, income, alcholol intake, exercise, number of doctor visits and BMI(p<0.01, p<0.05). Aditional factors associated with cancer screening behavior were cue to action, health belief score and health status. Predictors for cancer screening behavior were: age, health belief score, screening attitude and health status(p<0.01, p<0.05). As indicated by the above results, a lack of information was an important factor for a lack of participation in screening. Age and cue to action were also important factors in promoting the cancer screening rate. Therefore, a dissemination of information about cancer screening contributes to the promotion of a screening rate, and cooperation between health insurance and local health cancer facilitates to be public the community-based cancer screening program.

• 한국콘텐츠학회논문지
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• 제21권6호
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• pp.588-597
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• 2021

우리나라의 경우 일반보험의 부가보험료를 구성하는 요소인 보험회사의 이익을 산출하는 기준에 대해 특별히 정하고 있지 않으며, 손해보험회사들은 대부분 2~5% 수준을 보험료에 반영하고 있다. 보험상품의 특성상 가격결정의 투명성이 요구되고 있지만, 국내 손해보험산업에 있어서 보험가격 요소별 결정방법론에 대한 기준이나 실증연구는 미흡한 실정이다. 본 연구에서는 산출기준이나 실증연구가 미흡한 일반보험의 상품별 예정이익률 산출 방법을 제시하고자 한다. 일반보험의 예정이익률을 산출하는 기준은 손익변동성에 따른 손실 리스크에 대비하여 보험회사가 확보해야 하는 자본에 대한 주주요구수익을 보험료에 대한 비율로 반영하는 것이다. 주주는 보험 운영과 관련된 리스크를 감내하기 때문에 이에 대한 보상을 받아야 하며, 이러한 주주입장에서의 기회비용을 보험료에 반영하려는 것이다. 본 연구에서는 상품별로 보험리스크에 대비하기 위해 회사가 적립해야 하는 자본량을 산출하였으며, 보험리스크는 보험영업 손익의 변동성으로 정의하였다. 그리고 보험리스크는 DFA(Dynamic Financial Analysis; 동적재무분석) 방법론에 의한 stochastic simulation을 활용하여 산출하였다. 최종적으로 25개 상품에 대한 예정이익률을 산출하여 현재 국내 일반보험의 예정이익률과 어떤 차이가 있는지를 실증적으로 분석하였다.

• International Journal of Advanced Culture Technology
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• 제10권2호
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• pp.79-85
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• 2022

Article 10 of the Constitution All citizens have dignity and values as humans and have the right to pursue happiness. There is a need for support measures such as a means to realize the respect of dignity and values as humans, and how to efficiently maintain policies on welfare for the elderly classified as the socially disadvantaged. It was considered necessary to develop an elderly-friendly city for economic, physical, and social life. Dasan Jeong Yak-yong's respect for adults was to practice the ideology of Confucianism, so this was the most important thing in the past Joseon Dynasty. In particular, it was considered important to think of adults first in practicing filial piety.This study focuses on the long-term care insurance system for the elderly, one of the welfare policy measures for the elderly. The significance of implementing the long-term care insurance system for the elderly is to benefit not only the elderly, but also all generations, including the middle-aged and children who were in charge of long-term care. To this end, the government should properly manage the factors of the social insurance financial crisis caused by the low birth rate and aging population.In addition, concerns about health insurance are high, so it is necessary to secure an appropriate level of government budget for health insurance financial management and minimize unnecessary non-benefit. In addition, it is necessary to induce appropriate medical use through connection with construction medical insurance.

• 재무관리연구
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• 제24권2호
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• pp.147-181
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• 2007

본 논문은 생명보험회사들이 판매하는 유배당상품에 대해 재무이론적 고찰을 시도하였다. 계약자와 주주의 현금흐름과 이익배당에 대한 분석을 행하고, 또한 배당억제를 통해 적립된 준비금의 의미를 분석하여 그 시사점을 모색해 보았다. 본 연구의 분석에 의하면, 유배당보험의 경우 그 판매자가 주식회사이든 상호회사이든 보험계약자 상호간에는 동일한 계약상의 권리가 존재하지만, 이것이 곧 주식회사인 보험회사의 유배당보험 계약자가 주주와 동일한 권리와 의무를 가진다는 것을 의미하지는 않는다. 즉 주식회사인 보험회사의 경우 주주와 유배당 보험계약자가 보험금지급요건 발생과 경영성과라는 동일한 위험요인에 노출되지만 양자간에 자산가치의 배분순위에 차이가 존재하기 때문에 노출된 위험의 크기에 차이가 존재한다. 본고의 분석에 의하면 보험수요자가 주식회사와 유배당보험 계약을 체결하는 것은 자신의 일, 이차적 권리에 내재된 리스크를 주주에게 전가하기 위한 것이며, 상호회사가 아님에도 불구하고 보험계약자가 주주와 보험이익을 공유하는 것은 이러한 리스크 전가에 대한 보상인 것으로 해석되었다. 또한 이익배당의 억제를 통해 적립된 준비금은 사후적으로 결손이 발생하지 않는 경우에 보험회사의 부채로 인식되어야 하기 때문에 우발채무로 해석하는 것이 타당한 것으로 나타났다.

• 한국임상약학회지
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• 제24권4호
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• pp.255-264
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• 2014

Objective: The aims of this study are to investigate the total volume of prescribed medicines against Alzheimer's disease (AD) and the trends of usage by analyzing the claims-data from the Korea National Health Insurance Service. Method: The demographic and claims-data were included the major AD treating medicines such as donepezil, galantamine, rivastigmine and memantine, and analyzed during the period of 2010~2012. The assessing criteria were gender, age, habitation, types of medical institution, code of ingredients, outcomes of treatment, volume and amount of claims, and the numbers of patients with dementias. After trimming the data, it were analyzed by the market size, demographic traits, characteristics of medical service, characteristics of each anti-AD medicine, etc. Results: Among the chosen 4 medicines, donepezil had the top prescription volumes. Most prevalent prescribing preparations of donepezil were conventional types. However, among the non-conventional types, oro-dispersible formulation is the fast increasing one in both volume and growth rate. This specialized preparations to improve both toleration and adherence, tend to being prescribed generally at the tertiary medical institutions. While the younger patients with mild-to-moderate AD mostly treated by expensive medicines in resident at the tertiary hospitals, the rest older patients with severe AD have been treated non-expensive one at long-term care facilities. Conclusion: AD is a chronic illness therefore, long-term use of therapeutic medications are highly important. If an anti-AD treatment was applied steadily in the earlier stages, it would be achieved not only improving the quality of life of patient but also reducing the expenses in the medical and nursing cares. As the socioeconomical impacts of AD is expanding, healthcare professionals need to aware the importance of pharmacotherapy and to improve sociopolitical fundamentals.

• 응용통계연구
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• 제25권1호
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• pp.67-79
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• 2012

우리나라 자동차보험 시장은 이미 성숙기에 접어들어 성장률이 감소하고 있는 추세이다. 이러한 시기에는 새로운 고객을 유치하는 것보다도 기존 고객을 유지하는, 즉 가입한 보험회사에 대한 충성도를 높이는 것이 새로운 마케팅 경쟁전략의 목표가 될 수 있을 것이다. 이에 본 연구에서는 개인용 자동차보험시장의 현 경쟁 환경 및 향후 변화될 환경에 맞추어 손해보험회사들이 새로운 자동차보험 마케팅 전략을 수립하는데 도움이 되는 마케팅 전략을 도출 제시하고자 한다. 이를 위하여 자동차보험 가입자를 대상으로 설문조사를 진행하였고, 일반화가법부분선형모형을 활용하여 분석을 시행하여 충성도에 영향을 주는 유의한 고객만족도 요인을 찾아내었다.

• 응용통계연구
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• 제26권2호
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• pp.321-333
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• 2013

신뢰도 이론은 적정하고 합리적인 보험료를 산정하기 위한 보험통계학의 이론 중 하나이다. 본 논문에서는 신뢰도의 개념과 함께 기존에 절리 사용되고 있는 여러 가지 부분신뢰도(유효대수 법칙, 제곱근 법칙, 뷸만, 뷸만-스트라웁)를 소개하고, 새로운 부분신뢰도(새로운 유효대수 법칙, 새로운 제곱근 법칙)를 제안하였다. 또한 실제 자료를 이용하여 기존의 방법과 새로운 방법으로 부분신뢰도와 부과보험료를 추정하였으며, 추정된 부과보험료와 전체 손해액의 차이를 비교하여 정확성을 알아보았다. 실제 자료를 바탕으로 분석한 결과, 본 논문에서 제안하는 새로운 부분신뢰도를 적용하여 부과보험룔를 산출한 것이 기존의 방법보다 오차가 개선되는 것을 확인할 수 있었다.

• Journal of Preventive Medicine and Public Health
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• 제47권6호
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• pp.327-335
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• 2014

Objectives: Several epidemiological studies on medical care utilization prior to suicide have considered the motivation of suicide, but focused on the influence of physical illnesses. Medical care expenditure in suicide completers with non-illness-related causes has not been investigated. Methods: Suicides motivated by non-illness-related factors were identified using the investigator's note from the National Police Agency, which was then linked to the Health Insurance Review and Assessment data. We investigated the medical care expenditures of cases one year prior to committing suicide and conducted a case-control study using conditional logistic regression analysis after adjusting for age, gender, area of residence, and socioeconomic status. Results: Among the 4515 suicides motivated by non-illness-related causes, medical care expenditures increased in only the last 3 months prior to suicide in the adolescent group. In the younger group, the proportion of total medical expenditure for external injuries was higher than that in the older groups. Conditional logistic regression analysis showed significant associations with being a suicide completer and having a rural residence, low socioeconomic status, and high medical care expenditure. After stratification into the four age groups, a significant positive association with medical care expenditures and being a suicide completer was found in the adolescent and young adult groups, but no significant results were found in the elderly groups for both men and women. Conclusions: Younger adults who committed suicide motivated by non-illness-related causes had a higher proportion of external injuries and more medical care expenditures than their controls did. This reinforces the notion that suicide prevention strategies for young people with suicidal risk factors are needed.