• 제목/요약/키워드: insurance system

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한.미.일 수출보험이 수출에 미치는 영향에 관한 실증분석 -전자무역을 위한 제도개선 중심으로- (A Comparative Analysis on the Effects of Export Insurance upon Exports in Korea, the United States, and Japan -Export Insurance for E-trading Promotion-)

  • 이수일
    • 통상정보연구
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    • 제6권2호
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    • pp.65-84
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    • 2004
  • Korean Government has provided special support to Korean export industry during past 40 years. However, due to the agreement on UR and appearance of WTO, the Government can't provide most of the subsidies which were allowed before WTO era. Hence, export insurance system became more useful tool since it's one of the few allowed subsidies under WTO. This study tries to find the impacts of export insurance systems on the exports in Korea, the United States, and Japan. Firstly, this study surveyed the export insurance systems of Korea, the United States, and Japan. Then, using a regression analysis it analysed the effects of export insurance systems upon the exports in Korea, the United States, and Japan respectively. The period of data is from 1980 to 1999. The results of the regression analysis for export insurance showed significant and positive effects of both Korean and Japanese but the United States showed insignificant and positive upon the exports.

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The Paradox of the Ugandan Health Insurance System: Challenges and Opportunities for Health Reform

  • Emmanuel Otieno;Josephine Namyalo
    • Journal of Preventive Medicine and Public Health
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    • 제57권1호
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    • pp.91-94
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    • 2024
  • For nearly four decades, Ugandans have experienced a period marked by hope, conflict, and resilience across various aspects of healthcare reform. The health insurance system in Uganda lacks a legal framework and does not extend benefits to the entire population. In Uganda, community-based health insurance is common among those in the informal sector, while private medical insurance is typically provided to employees by their workplaces and agencies. The National Health Insurance Scheme Bill, introduced in 2019, was passed in 2021. If the President of Uganda gives his assent to the National Health Insurance Bill, it will become a significant policy driving health and universal health coverage. However, this bill is not without its shortcomings. In this perspective, we aim to explore the complex interplay of challenges and opportunities facing Uganda's health sector.

보험의학 실무 영역에서 근거중심의학적 접근 방법 (Using evidence-based medicine in terms of practical insurance medicine)

  • 이신형
    • 보험의학회지
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    • 제32권1호
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    • pp.8-14
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    • 2013
  • Evidence-based medicine(EBM) or evidence-based health care has been used in clinical medicine. Recently, it also has been applied to areas of social medicine such as independent medical examination. Insurance medicine is one of social medicine, as for it's role is maintenance of sound insurance system or for insured of life insurance. Practical application of EBM to the insurance medicine are; confirming question, finding evidence, and evaluation that selected evidence is best or not in terms of practical aspect.

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드론 보험제도 비교분석과 요구보험 도출 (Derivation of Required Insurance and Comparative Analysis of Drone Insurance System)

  • 최진헌;남두희
    • 한국ITS학회 논문지
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    • 제19권6호
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    • pp.144-151
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    • 2020
  • 다양한 분야에 활용되는 드론은 2026년에는 사업용 드론 5만대를 예상하고 있다. 사업용 드론에 한해 영업배상책임보험 가입 의무 부과되고 있으나 드론의 사용 영역이 확대됨에 따라 기체임무에 따른 법적의무를 부과하는 드론 보험제도 개선이 필요하다. 특히, 드론의 기체 특성 다양화로 인해 위험도에 따른 보험체계가 필요하다. 이를 위해 국내 드론 운용 현황조사 및 국내외 드론 보험관련 문헌검토와 드론 관련 자료 수집 및 분석, 교통수단별 보험제도, 해외 드론 보험상품 자료 분석을 시행한다.타 교통수단의 보험체계를 기반으로 드론 사고특성을 적용한 기체특성별, 운용임무별 드론보험가입에 대한 드론 보험제도 개선안 도출하며 기체 특성별, 운용 임무별 보험기준 수립을 위해 이용자, 이용사업체, 보험회사 등 분야별 요구 보험 조사를 통해 시사점을 도출, 기체의 물리적 특성에 따른 위험도 산출을 통한 세부 보험기준을 수립하며 기체 운용 임무에 따른 손해배상 책임을 구체화 하였다.

건강보험 권리구제제도의 개선 방향에 관한 연구 (A Study on a Direction of Improving the Health Insurance Appeal System in Korea)

  • 김운묵
    • 의료법학
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    • 제7권2호
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    • pp.219-268
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    • 2006
  • In July 1989, Korea had achieved the national medical insurance system comprehensively covering the whole population since its inception of 12 years before, and subsequently the plural medical insurers had integrated to the unique health insurer system in July 2000. But there yet remain some problems to be improved under low contributions rates and poor benefit packages, especially the shortage of assuring beneficiaries' rights. The Health Insurance Appeal System is composed of a two-tiered system of committee. The Formal Objection Committees built in the National Health Insurance Corporation and in the Health Insurance Review Agency respectively examine the formal objections to the decisions of the Corporation, or the Review Agency. And the Dispute Mediation Committee built under the command of the Minister of Health and Welfare reviews the protests against the decisions on the formal objections by each Formal Objection Committee. To cope with the appellant in relation to the administration on the qualification of the insureds, contributions, and insurance benefits etc, is found to be unsatisfactory. There's the reason of poor function on right-relief caused by the loose composition of the Appeal Committee, the deficit of people's recognition and P.R., the lack of professional manpower and the Committee's independency, and time lag in making decisions and so on. Consequently the Appeal System should be improved to secure the rights-relief function, to empower the professionalism of the Appeal Committee, to strengthen P.R. for the beneficiaries, to build up the staff's proficiency through training, and to develop the quality of administrative services.

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노인장기요양보험 등급외 판정자의 관리현황과 개선방안 (A study on the present status and improving management of the non-eligible people in Korean long-term care insurance system)

  • 권진희;한은정;이정석;박종연
    • 보건행정학회지
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    • 제20권2호
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    • pp.104-127
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    • 2010
  • To vitalize the link program of Korean long-term care insurance system to community-based services for non-eligible people, we analysed the claim data from the Korean National Health Insurance Corporation (NHIC), and conducted a questionnaire survey to charging employees of elderly service department at local governments. The subjects were all 81,377 people, 57,454 of them were arranged to community-based services. The link program was more necessary among the missed subjects rather than the arranged people due to the need for physical or psychological assistance. By the result of the survey to the local government employees, 59.5% of subjects responded their proportion of link service was over 10% and under 20%, and 54.3% of them responded their job boundary are not clear. Major type of linking was notification the subject list to local government, 91.4%; proportion of periodical notification on the status of their service link were 57.1%, only 7.1% were followed to manage after the link. Difficult factors at the link process were pointed out the overload by other side work, deficiency of resources, rigidity of priority of link, and so on. Considering these results, to vitalize the community-based services to the non-eligible people, it may be essential the active participation of the subjects, construction of parts working in coordination among the institutions including NHIC, local governments, and service providers; development of various services for maintenance or promotion of the non-eligible peoples' health and functional status; and active participation of institutions from the third sector, and so on.

의료분쟁 예방을 위한 책임보상보험 도입에 관한 연구 (A Study on the Introduction of Liability Compensation Insurance to Prevent Medical Dispute)

  • 김기홍
    • 한국중재학회지:중재연구
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    • 제28권4호
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    • pp.43-59
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    • 2018
  • This study aims to review various efforts required by medical institutions to prevent medical accidents in advance and to suggest the necessity of introducing liability insurance for medical accidents based on cases abroad and compulsory professional indemnity insurance at home. Over the past five years between 2013 and 2017, the number of inquiries regarding medical accidents and medical disputes has increased by 11.1 percent from 36,099 to 54,929, and the number of mediation and arbitration for medical disputes has increased by 14.3 percent from 1,304 to 2,225. Since some medical accidents even cause social problems, a compulsory insurance system for the liability of medical institutions for damages need to be introduced to promptly compensate the victims of medical accidents and to ensure compensation by medical personnel. In Korea, a system is in place to provide compensation for a client who suffers an accidental damage after receiving professional services, regardless of whether or not the professional service provider can provide compensation. In major foreign countries, a medical liability system is in place that is applied either by the principle of liability with fault, or the principle of liability without fault. In this study, the cases of compulsory insurance and semi-compulsory insurance in the US and Japan to which the principle of liability with fault is applied, as well as the case of New Zealand to which the principle of liability without fault is applied, were examined. It is necessary to urgently introduce the compulsory insurance system for the liability of compensation to prevent medical disputes and to compensate for the life and physical damages of the victims of medical accidents in domestic medical institutions. Doing so is expected to ensure fair compensation for the victims of medical malpractice and compensation by medical personnel, thereby improving medical practice.

한약제제 보험급여 주상병과 처방분석 (The Analysis of Main Diseases and Herbal Preparations in Herbal Health Insurance)

  • 박혜정;오문수;김은정;이상규;박성규;김윤경
    • 대한본초학회지
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    • 제21권4호
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    • pp.1-10
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    • 2006
  • Objectives : Recently, the total medical expenses of the korean oriental medical service in national health insurance is on the increase every year. Herbal medicines are one of the major methods of the medical treatment. But the expenses of these herbal preparations that can receive benefits from insurance system are decreasing. Methods : In this research, we obtained statistical data of the benefit states of herbal preparations in herbal heath insurance during year 2001-2003 from Health Insurance Review Agency. We analyzed top twenty main diseases in herbal health insurance and mainly used prescription in these diseases. Results : There were wide differences in the application of prescriptions among diseases. For example, musculoskeletal diseases occupied an important position and Ojucksan took more than 50 percentage. Conclusion : We hope that this study could be a basic data for improving the benefit system of herbal health insurance and further studies should be carried out subsequently.

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노인장기요양 재가서비스 이용자의 시설 입소 영향 요인 (Factors Related to Nursing Home Institutionalization of Elderly using Home Care Services)

  • 한은정;황라일;이정석
    • 한국보건간호학회지
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    • 제30권3호
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    • pp.512-525
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    • 2016
  • Purpose: Ageing in place may improve the quality of life of frail elderly and decrease their costs of services. The purpose of this study was to examine the factors that influence the institutionalization of elderly using home care services in a Korean long-term care insurance system. Methods: This study used the data of '2009 Satisfaction survey of Korean long-term care system'. The survey proceeded to use a sampling data based on region, level of long-term care need, and insurance type among the beneficiaries between August and September 2009. The onset dates of institutionalization of 1,095 participants were ascertained from long-term care insurance claim data. This study calculated the hazard ratio through the Cox Proportional Hazard Model. Results: A total of 176 subjects who were institutionalized in nursing homes were included. There were higher risks in the group that included those who were 85 years and over, had dementia or fracture, used home-visit nursing service, and were not supported by direct family. Conclusion: The results of this study have policy implications to supplement the home care service system and postpone nursing home institutionalization of elderly.

Risk-Seeking Behavior of Financial Institutions due to Deposit Insurance: Evidence from Korea

  • Choi, Jungho;Cho, Duckhyun
    • The Journal of Asian Finance, Economics and Business
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    • 제6권1호
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    • pp.83-89
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    • 2019
  • The purpose of this paper is to examine how the social system of deposit insurance affected the financial market in Korea. Specifically, we want to know how much the risk-seeking behavior of financial institutions has increased or decreased. The most important feature of the deposit insurance system is to prevent the insolvency of financial institutions and to properly protect depositors. In recent studies, it has been argued that characteristics of deposit insurance bring moral hazard of financial institutions and that financial institutions make unreasonably risky investments. Therefore, in this study, we will first examine whether such previous research can be applied to the Korean financial market. Next, we will examine the appropriateness of the differential premium rate that is currently used for each financial institution in the Korean financial market. In order to test the first hypothesis, we used the Capital Asset Pricing Model (CAPM) to calculate the total risk for each financial institution. As a result, significant changes were found in all regions before and after the introduction of the deposit insurance system. As for testing the second hypothesis, we conducted a variance analysis of financial institutions' indexes before and after the introduction of the deposit insurance and we discovered significance of the total risk difference.