• 제목/요약/키워드: Non-Life Insurance

검색결과 117건 처리시간 0.027초

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

  • Kim, Na-Kyoung
    • 한국발생생물학회지:발생과생식
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    • 제25권2호
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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.

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

  • 차재형;이재원
    • 응용통계연구
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    • 제13권2호
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    • pp.247-263
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    • 2000
  • 자연재해(Natural Catastrophe)는 태풍, 홍수, 호우, 폭풍, 해일, 폭설, 가뭄, 지진 등과 같이 자연현상으로 인하여 발생하는 피해를 말한다. 자연재해는 한번 발생하면 엄청난 피해를 가져오므로 거대위험으로 분류된다. 현재 우리나라에서는 일반화재보험에서 풍수재위험과 지진위험을 담보하는 약관과 요율이 적용되고 있으나 이러한 풍수재담보와 지진담보에 대한 약관 및 요율은 외국에서 가져온 것(구득요율)이므로 우리나라 현실을 전혀 반영하지 못한 것이다. 이러한 연유로 보험계약자의 권익을 보호하기 위해 현재까지 우리나라 손해보험에서 사용하지 않은 통계적 방법을 이용하여 태풍과 풍수재에 대한 손해액 분포를 결정하고 그에 따른 적정보험료를 산출하였다.

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

  • 박상국;한경석
    • 디지털융복합연구
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    • 제12권3호
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    • pp.55-62
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    • 2014
  • 기존 연구에 따르면, 한국 금융 산업의 연도별 IT투자 규모는 GDP 변화추이와 동조하는 패턴을 가지고 있다. 1993년부터 2012년까지 과거 20년간의 산업별 데이타를 기반으로 금융 산업을 은행, 생명보험, 손해보험 및 증권 4개로 분류하여 GDP와 IT예산간의 상관관계를 분석하였다. 분석 결과로 시간이 흘러갈수록 금융회사의 총예산대비 IT예산 규모는 은행, 생명보험 및 증권 분야는 지속적으로 하락 추세를 유지하고 있다. 반면에 손해보험 분야는 상승 추세를 유지되고 있음을 확인하였다. 이를 통해 금융 산업의 IT규제가 향후 금융 산업에 미치는 영향을 분석하였으며, 금융IT서비스산업이 발전하기 위한 정책방향을 제언하였다.

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

  • 이시경
    • 보건의료생명과학 논문지
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    • 제8권2호
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    • pp.135-142
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    • 2020
  • 본 연구는 강원도 영북지역에 주소를 둔 환자의 입원/외래 진료의 이용빈도를 분석하여 영북지역의 의료수요 및 의료이용 현황 파악을 하고자 국민건강보험공단 공공데이터포털(www.data.go.kr) 2003년 부터 2017년까지 건강보험 및 의료급여(입원/외래) 진료비 청구자료를 분석하였다. 다빈도 순위는 '진료건 및 %'에 따라 최빈도의 상병순으로 1-60순위까지의 순위를 선정하였다. 또한, 영북권 유일의 속초의료원 환자의 이용 추이를 병행 분석하였다. 분석결과 강원도 영북지역은 과거 급성기 질환에서 점차 만성인 비감염성 질환의 형태로 상병에 따른 외래 진료 이용과 입원환자의 이용이 증가하고 있다. 특히 조현병과 산과진료의 기능을 확충하고 지역사회의 건강관리에 필요한 구체적인 보건사업을 수행할 필요가 있으며 이를 통해 강원도 영북지역 주민의 삶의 질적 향상을 높여야 한다.

SMI군과 Non-SMI군의 사망원인 비교분석 : 일 장기요양기설 입소자를 대상으로 (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))

  • 문수진;김경훈;송지영;백종우
    • 생물정신의학
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    • 제16권3호
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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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유전자 치료를 받는 암 환자가 지각하는 사회적 지지와 삶의 질과의 관계 연구 (A Study of the Relationship Between Perceived Social Support and Quality of Life of Cancer Patients receiving Gene therapy)

  • 장미경;김경희;정연강
    • 지역사회간호학회지
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    • 제8권1호
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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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자가 응답식 자료에 근거한 유병률 및 건강기대수명 연구의 신뢰도 분석: 건강보험 표본코호트 DB와의 비교 (Reliability of self-reported data for prevalence and health life expectancy studies: comparison with sample cohort DB of National Health Insurance Services)

  • 권태연;박유성
    • 응용통계연구
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    • 제29권7호
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    • pp.1329-1346
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    • 2016
  • 한국 의료패널 데이터와 국민건강 영양조사는 추출된 표본의 자가 진단에 따른 건강상태(self-assessed health)와 그들의 의료기관 이용에 대한 자가응답식 자료(self-reported data)이다. 이러한 자료에 근거한 유병률 연구 및 그에 따른 건강기대수명 연구에 관하여 유병률의 신뢰도에 대한 검증이 선행되어야 한다는 주장은 이미 여러 연구에서 제기되었다. 반면 최근 공개된 건강보험공단의 표본코호트 DB는 전 국민을 대상으로 의료기관 이용에 관련된 모든 자료가 저장된 자료인 국민건강정보 DB로부터 추출된 객관적인 자료이다. 또한 추정된 질병별 유병률에 대하여 그 대표성 및 신뢰도가 확보되어 있음이 검증된 자료이다. 이에 본 논문에서는 우리나라 국민의 유병률에 대한 대표성 및 신뢰도가 확보되어 있는 표본코호트 DB와의 비교를 통하여 이들 응답식 데이터에서 도출된 유병률의 신뢰도에 대하여 논의하였다. 자가응답식 자료를 통한 유병률은 표본코호트 DB를 통한 유병률에 비교하여 보았을 때 과소추정되어 있고 이러한 과소추정은 건강기대수명의 과대추정 문제로 이어지고 있음을 확인할 수 있었다. 또한 표본코호트 DB를 제외한 우리나라 건강자료의 안정적이지 못한 표본의 문제는 추정된 건강기대수명의 트렌드를 왜곡하는 문제가 추가적으로 발생할 수 있음을 확인하였다.

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

  • 윤순덕;박공주;강경하
    • 한국노년학
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    • 제25권2호
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    • pp.109-126
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    • 2005
  • 본 연구는 65세 이상 노인에게 공공의 사회보장부문에서 제공하는 사회적 급여를 사회복지비용이라 정의하고, 노인의 농업노동 참여가 사회복지비용 지출에 어떻게 영향을 미치며 농업노동 참여여부에 따라 1인당 그리고 한 해 사회복지비용 지출이 얼마나 차이가 있는지를 파악하고자 하였다. 이를 위하여 노인의 소득·의료보장을 위해 지출된 2003년도 교통수당, 경로연금, 국민기초생활보장 생계급여와 의료급여, 국민건강보험급여 등 생계지원비 및 의료지원비를 37개 동·읍·면사무소와 국민건강보험공단에 자료제공 협조를 요청하여 만 65세 이상 노인 799명에 대한 원자료를 수집·활용하였다. 65~74세, 75~84세, 85세 이상 등 3개 연령집단별로 분석한 결과, 첫째, 생계지원비 및 의료지원비 모두 모든 연령집단에서 농업노동에 참여한 노인보다 농업노동을 하지 않았던 노인에게 더 많이 지출되었다. 노인 1인당 차액은 연령집단에 따라 약간 차이가 있었는데 생계지원비는 113,959~361,132원, 의료지원비는 15,644~51,418원이었다. 둘째, 노인의 농업노동 참여여부는 65~74세, 75~84세 연령집단의 생계비 지출에, 65~74세 연령집단의 의료지원비 지출에 유의미한 영향을 미치는 것으로 나타났다. 이 결과를 기초로 하여 노년기 농업노동 참여에 따른 한 해 사회복지비용 절감액을 산출한 결과, 2003년도 기준 1304억원이었다.

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

  • 홍문식
    • 보건교육건강증진학회지
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    • 제8권1호
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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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홀로 사는 일상생활 기능제한 노인의 건강 상태 및 사회적 지지 현황 (Health Status and Social Support among the Elderly Living Alone with Restricted Daily Functions)

  • 박영희
    • 보건의료산업학회지
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    • 제12권1호
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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.