• 제목/요약/키워드: compensation insurance

검색결과 259건 처리시간 0.025초

서울시 초.중.고등학교의 20년간(1988-2007) 교육활동에서 학생의 사고 사망률 및 보상비용 (Accidental Mortality and Compensation Payment in School Activities among Elementary, Middle and High School Students in Seoul over Twenty Years (1988-2007))

  • 신선미;이희우
    • 대한간호학회지
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    • 제42권2호
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    • pp.248-257
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    • 2012
  • Purpose: The purpose of this study was to identify accidental mortality during school activities of students in elementary, middle or high school in Seoul and consequent compensation payment. Methods: Fifty-eight students died due to accidents during the period 1988 through 2007. Data were obtained from the Seoul School Safety and Insurance Association, and Seoul Metropolitan Office of Education. Chi-square, t-test, and ANCOVA were used in the data analysis. Results: Among students, 75.9% were male and 37.9% were high school students. Accidental mortality was 1.61 per one million students (2.33 for male, and 0.82 for female students, and 0.93, 2.13 and 2.31 for elementary, middle and high school students, respectively). Mortality caused by drowning and falls per one million student was 0.85 and 0.74 for male, and 0.23 and 0.35 for female students. After age, year and cause were adjusted using ANCOVA, the mean compensation payment was 40,615 thousand won for male, and 62,000 thousands for female students. Highest compensation payment was 127,137 thousand for cerebral concussion after age, gender, year and cause were adjusted. Conclusion: To decrease student accidental mortality, especially drowning and falls, development of efficient safety-enforcing education is essential to prevent injuries and avoid preventable compensation costs.

서울시 초.중.고등학교에서 5년간(2000~2004년) 발생한 학생의 비의도적 손상 및 보상급여비 현황 (Incidence of Nonfatal Unintentional Injuries among Students, and Compensation Payment for Five Years (2000~2004) in School, Seoul)

  • 신선미;이희우
    • 한국학교보건학회지
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    • 제24권1호
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    • pp.12-22
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    • 2011
  • Purpose: The purpose of this study was to identify incidence of nonfatal unintentional injuries (accidents) among students, and to investigate compensation payment for five years (2000~2004) in schools located in Seoul. Methods: Subjects were 14,783 students injured among elementary, middle and high school students. The accumulated data for 5 years (2000~2004) was from the Seoul School Safety and Insurance Association. Chi-square, ttest, logistic regression, and MANCOVA were conducted. Results: The most frequent accidents occurred among males (73.2%), and in special school students (3.86 per 1,000) followed by middle school students (3.05 per 1,000), in May (0.25 per 1,000) followed by June and October, in physical education classes (0.73 per 1,000) followed by special activities (0.40 per 1,000), recess (0.31 per 1,000) and lunch (0.29 per 1,000). Fractures (0.86 per 1,000) were followed by mild injuries (0.39 per 1,000), joint and ligament injuries (0.31 per 1,000), and teeth injuries (0.26 per 1,000). After adjusting for potential confounding variables, the highest means of final compensation payment was for burns (810 thousand KRW) followed by the teeth injuries (506 thousand KRW), cleaning injuries (550 thousand KRW) followed by injuries incurred during special activities (510 thousand KRW) and injuries incurred at special schools (556 thousand KRW). Conclusion: In school, the highest incidences of nonfatal unintentional injuries were in special schools, among males, fractures and physical education. However, the highest compensation payments were for burns, and injuries taking place at special schools and during cleaning hour. Proper health education including teaching healthy habits for safety/injury prevention is needed to prevent injuries and decrease compensation.

中國 海上企業任員賠償責任保險의 필요성에 관한 硏究 (A Study on the need of Director and Officer Liability Insurance of China marine industry)

  • 김성은
    • 한국항만경제학회지
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    • 제20권2호
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    • pp.235-251
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    • 2004
  • China's Marine Industry are growing up gradually as China's economy has advanced. Also China's Sipping Industry has been advanced. China Sipping Company is going to become a top 5 of world marine industry. China's Marine Industry has supervised and controled a manager under the mechanism of market economy. China's Marine Industry has been changed from the state-owned marine enterprise affected by government and government has effected on the formation of the board of directors and manager. So, the supervision function of the board of directors was reduced. The executive' role is emphasized when possessing the state-owned enterprise through disposal or auction, or when inducing the participation of foreign attraction. It is desirable for the Chinese director and officer to prepare for the claims internationally due to the international economic actions, , westernization of the public's consciousness about the compensation for damage followed by the increasing national income, and to prepare the increasing demand of cases due to increasing lawyers.

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The Characteristics of Accepted Work-related Injuries and Diseases Claims in the Australian Coal Mining Industry

  • Chong, Heng T.;Collie, Alex
    • Safety and Health at Work
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    • 제13권2호
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    • pp.135-140
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    • 2022
  • Background: Coal mining is a hazardous industry. The purpose of the study is to identify the nature of occupational injuries and diseases among coal miners and to determine the factors that affect the rate of injury and duration of time loss from work. Methods: A retrospective cohort study was conducted using accepted workers' compensation claims data of 30,390 Australian coal miners between July 2003 and June 2017. Results: Musculoskeletal and fracture conditions accounted for approximately 60% of claims in all occupational groups. Cox regression analysis showed that older age and female gender were significant predictors of longer time off work. Injury types and occupations were associated with work time loss: mental health conditions, and machine operators and drivers had significantly longer durations of time off work. Conclusion: Future research can further address how these factors led to longer time off work so that coal industry regulators, employers, and healthcare providers can target interventions more effectively to these at-risk workers.

Research on improvement of law for invigorating autonomous vehicle

  • Noe, Sang-Ouk
    • 한국컴퓨터정보학회논문지
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    • 제23권11호
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    • pp.167-173
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    • 2018
  • The Korean government announced its goal of commercializing autonomous vehicle by year 2020. With such changes, it is expecting to decrease car accident mortality by half. To commercialize autonomous car, not only worries on safety of autonomous vehicle has to be solved but at the same time, institutional system has to be clear to distinguish legal responsibilities in case of accident. This paper will present the legal improvement direction of the introduction of autonomous vehicles as follows. First, it is necessary to re-establish concept of 'driver' institutionally. Second, it is appropriate to focus on Level 3 autonomous vehicle which is about to be commercialized in year 2020 and organize legal responsibility. Third, we should have a clear understanding on how level 3 autonomous vehicle will be commercialized in the future. Fourth, it is necessary to revise The Traffic Law, Act on Special Cases concerning the Settlement of Traffic Accident, and Automobile Accident Compensation Security Law in line with level 3 autonomous vehicle. Fifth, it is necessary to review present car insurance system. Sixth, present Product Liability Law is limited to movable products (Article 2), however, it is necessary to include intangible product which is software. Seventh, we should review on making special law related to autonomous car including civil, criminal, administrative, and insurance perspectives.

외국계 생명보험 설계사의 감성지능이 직무스트레스에 미치는 영향 : 자기효능감의 매개효과를 중심으로 (The Emotional Intelligence Effects on Foreign LCs' Self-Efficacy and Job Stress)

  • 정광진;박상범
    • 산경연구논집
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    • 제9권5호
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    • pp.93-104
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    • 2018
  • Purpose - This study is to investigate the relationship among emotional intelligence, self-efficacy and job stress of foreign life insurance consultants focusing on the mediating effect of self-efficacy. Regarding job security, in general foreign life insurance companies in Korea have more severe working conditions in terms of required contract performance. For foreign life insurance consultants, they are assumed to need higher level of emotional intelligence and self efficacy to meet the conditions. In this study, focus is cast on these aspects. Research design, data, and methodology - Basically the research is conducted upon questionnaires responded by foreign life insurance consultants. That is, data are collected from 255 sample of insurance consultants who work for a foreign owned life insurance company. The Questionnaire measure the level of emotional intelligence, self-efficacy and job stress of insurance consultants. The data are analyzed using pearson's correlation coefficient and hierarchical multiple regression, descriptive statistics, t-test, ANOVA, Durbin-Watson test. Results - The general characteristics of respondents are gender, age, marital status, education level, income monthly, career length, change jobs no, working day per week, call no. per week, meeting no. with client per week, contract regularity, contract no. per month and cancellation contract per year. The mean of emotional intelligence is 2.63, self-efficacy is 3.44 and job stress is 2.20. Emotional intelligence is composed with mean value of self emotion appraisal(3.93), other's emotion appraisal(3.78), regulation of emotion(3.29) and use of emotion(3.52). The mean of self efficacy is composed with mean value of self-confidence(3.41), self-regulated efficacy(3.59) and preference task difficulty(3.30). The job stress is composed with mean value of job requirement(2.61), lack of job autonomy(1.99), conflict of personal relations(1.99), job instability(2.38), organizational system(2.19) and inappropriate compensation(2.07). There is a significant positive correlation between emotional intelligence and self-efficacy. The emotional intelligence and self-efficacy are significantly negative correlation with job stress. The self-efficacy is showed a mediating variable between emotional intelligence and job stress. Conclusions - To decrease job stress level, foreign life insurance company should find the factors to improve the emotional intelligence and self-efficacy of life insurance consultants, and develop appropriate plans using a mediating role of self- efficacy between emotional intelligence and job stress.

한국 국민의료비 관리의 문제점 분석 : 건강보험, 산재보험, 자동차보험을 중심으로 (Problems of National Medical Expenses Management in Korea)

  • 이용재
    • 한국콘텐츠학회논문지
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    • 제11권4호
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    • pp.263-272
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    • 2011
  • 본 연구는 국내외 문헌고찰을 통하여 건강보험과 산재보험, 자동차보험을 중심으로 선진국의 국민의료비 관리제도를 살펴보고, 우리나라 국민의료비 관리제도의 문제점을 파악하여 올바른 국민의료비 관리방안을 제안하는데 목적이 있다. 분석결과 첫째, 선진국의 경우 국민의료비를 단일기관에서 통합해 운영하면서, 동일한 수가와 급여기준을 가지고 운영하고 있었다. 즉, 의료비 발생원인에 관계없이 동일한 기관에서 동일한 기준으로 통합관리하고 있었다. 둘째, 우리나라의 경우 국민의료비를 보험제도별로 다른 기관에서 분리운영하면서, 서로 다른 의료비 심사·평가, 수가를 적용하고 있었다. 이로 인해 동일증상과 상병임에도 불구하고 관리주체에 따라 의료이용량의 차이가 매우 컸다. 이러한 문제를 근본적으로 해결하기 위해서는 의료비발생의 원인이 무엇이든지 하나의 기관에서 동일한 수가체계와 기준에 근거해 통합관리해야 한다.

개인이동형 교통수단(PM) 유형별 사고특성 및 위험도 비교연구 (A Comparison Study on the Risk and Accident Characteristics of Personal Mobility)

  • 이수일;김승현;김태호
    • 한국안전학회지
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    • 제32권3호
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    • pp.151-159
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    • 2017
  • This study deals with characteristics and risk of a PM based on user survey result, road driving test and data analysis of PM accident. Text mining method is applied to extract PM accident data from Big Data, which are claim data of private insurance company. Road driving test and survey on safety, convenience, noise, overtake ability, steering ability, and climbing ability of PM are performed to evaluate user's safety and convenience considering domestic road condition. As the result of claim data analysis, annual average increase rate of PM accident is 47.4% and average compensation of personal mobility is higher than that of bicycle by maximum 1.5 times. 79.8% of PM accident is self-caused accident due to unskilled driving and age-specific diagnosis rate of driver over 60 is higher than that of under 60. Diagnosis rate of over 60 at lower limb, foot, rib and spine is especially higher than that of under 60. As the result of road driving test and user survey, satisfaction level on safety and convenience of PM is evaluated as close to that of bicycle and satisfaction level of PM is increased after boarding. Overtake ability, steering ability, and climbing ability of PM are evaluated as same or better than that of bicycle but warning equipment to pedestrian or bike such as horn is required because noise level of PM during driving is too low. Finally, user survey result shows that bicycle road is suitable for PM and safety standard, advance-education and insurance are required for PM. It is suggested that drivers' license for PM can be replaced by advance-education. Results of this study can be used to prepare safety measures and legal basis for PM operation.

응급실을 이용하는 비응급환자의 실태와 특성 (Characteristics of non-emergent patients at emergency departments)

  • 정설희;윤한덕;나백주
    • 보건행정학회지
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    • 제16권4호
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    • pp.128-146
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    • 2006
  • The objective of this paper is to examine the proportion and characteristics of non-emergent patients at emergency departments. The observational survey was conducted using a structured form used by emergency medicine specialists or senior residents on June 7-20, 2005. 1,526 patients at ten emergency centers took part in this study. The structural form contained type of insurance, route and means of emergency department (ED) visit, triage based on the Manchester Triage Scale(MTS)-modified criteria, emergency level based on the government defined rule, type of emergency centers (Regional Emergency Medical Center; REMC, Local Emergency Medical Center; LEMC, Local Emergency Agency; LEA), as well as patient's general information. Data were analyzed using SAS statistical program(V.8.2). Descriptive analysis was performed to describe the magnitude of non-emergent patients. ${\chi}^2-analysis$ and logistic regression analysis was performed to identify the nonurgent patients' characteristics. In the MTS-modified criteria, we found a 15.3% rate of non-emergent patients. This rate differed from that of non-emergent patients obtained using government's rule. In particular, there were inaccuracies in the definition of government rule on non-emergent patients, so it is necessary to apply the new government rule regarding classification of non-emergent patients. There were significant differences in the rate of non-emergent patients according to type of ED, means of ED visit, time to visit, and insurance. Non-emergent patients are more likely to visit a D-type ED(LEA having less than 20,000 patients annually), not to use ambulance, to have 'Automobile Insurance, Industrial Accident Compensation Insurance, or pay out-of-pocket'. Non-emergent patients tend to visit ED due to illness rather than injury. Further studies on the development' of triage scale and reexamination of the government's rule on emergency visits are required for future policy in this area.

우리나라의 건강보험 수가 시스템: 상대가치 그리고 새로운 건강보험 보장성 강화 대책 (National Health Insurance System of Korea: Resource-Based Relative Value Scale and a New Healthcare Policy)

  • 최준일
    • 대한영상의학회지
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    • 제81권5호
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    • pp.1024-1037
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    • 2020
  • 상대가치란 소모된 자원의 양을 기준으로 의료행위의 가치를 상대적으로 비교한 점수로 의사업무량, 진료비용, 위험도로 구성된다. 2차 상대가치 개정 당시 영상검사 수가는 높은 원가 보존율을 이유로 인하되었다. 영상검사 수가는 상대가치 체계에서 진료비용이 대부분을 차지하고 있으며, 의사업무량은 상대적으로 저평가되어 있다. 문재인케어라고 불리는 새로운 건강보험 보장성 강화 대책은 비급여의 급여화, 본인부담금 상한제 확대, 재난적 의료비 지원을 골자로 국민의 의료비 부담을 줄이는 것이 목표이며 향후 건강보험 재정에 부담이 늘어날 것으로 우려된다. MRI와 초음파 검사 급여 확대는 문재인케어에서 큰 비중을 차지하고 있으며 영상의학과는 문재인케어 적용 과정에서 저평가된 영상검사에서의 의사의 노동을 적절히 평가받을 수 있도록 노력해야 한다.