• 한국중재학회지:중재연구
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• 제13권1호
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• pp.245-283
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• 2003

Since enactment of the Product Liability Act(PLA) on July 2002, Enterprises in Korea should be insured the Product Liability under the Act. Therefore they had to make a special team and organize it to match with the Act. However, some enterprises didn't follow and prepare the team for the dispute resolution. For example, in America, many enterprises had been attacked the PLA and in Japan, as well. but Korea is rare for the PLA. Thus, this is to research the PLA for protecting the disputes. Upon this study, 1 would like to suggest some issues and a revision of the PLA. Those are the purpose of my research. In this study, it consists of 5 chapters for achieving the purpose of the research. Introduction of this study is mentioned in Chapter 1, and Chapter 2 is for outline of the PLA in Korea. At Chapter 3, the cases are analyzed in the disputes of importers to address important things we have to check. After the analysis, resolution methods in general on import practices are suggested at Chapter 4. Also, this study is summarized at Chapter 5 including further research. In this research, 1 find out complex of Product Liability insurance and issues related with PLA. For protecting the issues and disputes; importers should prepare a agreement of arbitration during the preparation of contracts. Nothing can be better than prevention on any disputes, but they can be happened sometimes without any intentions or by mistake. Solving these issues, the resolution methods of this research are the most valuable. The mediation and the negotiation do not force any legal matters. So, the dispute through them does not have a positive resolution, and the effectiveness of them is very low. Due to the resolution of issues, arbitration is a desirable resolution. In Korea, most people do not know about the arbitration due to the lack of understanding of arbitration. Currently arbitration related with Product Liability has not been followed up promptly because procedures and judgement from a court take for a long time. In sum, in order to solve the disputes properly, they should be supported by the arbitration system to concrete essential objectives, so to speak, protection of the victim and the improvement of arbitration. In addition, the systematic arrangements would be required to carry out all the methods above mentioned. Those are for manufacturers, importers, and customers for the dispute resolution.

• 한국항해항만학회지
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• 제36권5호
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• pp.329-338
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• 2012

협회선박보험약관, 1/10/83은 선박의 항행구역을 제한하는 협회항로제한담보약관, 1/7/76을 첨부하여 오랜 기간 동안 광범위하게 사용되어 왔다. 선박 건조기술과 항해기술의 발달에 따라 협회선박보험약관은 수차례에 걸쳐 약관 내용을 수정 보완하면서 오늘날까지 사용되고 있는 점을 고려해 볼 때, 협회항로제한담보약관도 마땅히 수정 보완되었어야 했다. 더욱이, 선박보험의 피보험자는 이와 같은 해상사업의 환경변화에도 불구하고 항로제한담보구역을 부득이 항행 또는 기항해야 할 경우 과도한 추가보험료를 부담하고 있는 실정이다. 따라서 이 연구의 목적은 협회항로제한담보약관과 준용일본항로제한담보약관을 비교분석함과 동시에 기후변화, 선박구조, 항해, 통신 등의 제반 요건에 대한 현황을 고려하여, 협회항로제한담보약관을 면밀히 분석함은 물론 항로제한담보약관의 위반에 따른 추가보험료의 합리적인 수준을 제시함에 있다.

• Journal of Trauma and Injury
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• 제21권1호
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• pp.36-45
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• 2008

Purpose: We conducted this retrospective epidemiological study to assess the incidence and severity of lower extremity injuries in Korea Methods: For this study, we retrospectively reviewed nationwide lower-extremity injury data compiled from 2001 to 2003 based on the National Injury Database, what included National Health Insurance Corporation (NHIC), Car Insurance, and Industry Insurance data. Data were standardized in terms of demographic characteristics, region, and socioeconomic status by using NHIC data. To assess the degree of the injuries, we used the Modified Abbreviated Injury Scale (MoAIS), what has been changed from the International Classification of Disease-10 (ICD-10) code. By using the Excess Mortality Ratio-adjusted Injury Severity Score (EMR-ISS), we classified the degree of severity into four categories: mild, moderate, severe and critical. Results: From 2001 to 2003, lower extremity injuries increased slightly, with a yearly average of 2,437,335. Insurance data should that lower-extremity injuries were the most common, followed by upper-extremity injuries. Significant difference were seen in the numbers of lower extremity injuries based on gender and age. As for provinces, Seoul and Gyeongi provinces had the highest numbers of cases. Junlabukdo had the highest rate of 55,282 cases per 1 million people for standardized gender and population. The annual incidence of the insured patients with lower extrimity injuries was higher than the employer's medical insurance contributions to the medical insurance program. Daily cases occur most often in May and June, with the lowest occurrences being in January and February. Conclusion: The result of this study shows that lower extremity injuries comprised common cause of all injuries. In addition, differences associated with gender, location and socioeconomic status were observed. Further studies are needed to find reasons and then this knowledge will allow strategies to prevent the lower extremity injuries.

• Journal of Preventive Medicine and Public Health
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• 제39권2호
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• pp.115-122
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• 2006

Objectives : This study was conducted to examine the relationships of the several socioeconomic position indicators with the mortality risk in a representative longitudinal study of South Korea. Methods : The 1998 National Health and Nutrition Examination Survey was conducted on a cross-sectional probability sample of South Korean households, and it contained unique 13-digit personal identification numbers that were linked to the data on mortality from the National Statistical Office of Korea. Of 5,607 males and females, 264 died between 1999 and 2003. Cox's regression was used to estimate the relative risks (RR) and their 95% confidence intervals (CI) of mortality. Results: Socioeconomic differences in mortality were observed after adjustments were made for gender and age. Compared with those people having college or higher education, those people without any formal education had a greater mortality risk (RR=2.21, 95% CI=1.12-4.40). The mortality risk among manual workers was significantly greater than that for the non-manual workers (RR=2.73, 95% CI=1.47-5.06). A non-standard employment status was also associated with an increase in mortality: temporary or daily workers had a greater mortality risk than did the full-time workers (RR=3.01, 95% CI=1.50-6.03). The mortality risk for the low occupational class was 3.06 times greater than that of the high and middle occupational classes (95% CI=1.75-5.36). In addition, graded mortality differences according to equivalized monthly household income were found. A reduction of monthly household income by 500 thousand Korean Won (about 400 US dollars) was related with a 20% excess risk of mortality. Self-reported poor living standards were also associated with an increased risk of mortality. Those without health insurance had a 3.63 times greater risk of mortality than the insured (95% CI=1.61-8.19). Conclusions: This study showed the socioeconomic differentials in mortality in a national longitudinal study of South Korea. The existence of socioeconomic mortality inequalities requires increased social discussion on social policies in Korean society. Furthermore, the mechanisms for the socioeconomic inequalities of mortality need to be explored in future studies.

• 대한예방한의학회지
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• 제22권3호
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• pp.1-10
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• 2018

Backgrounds : In 2017, National Health Insurance implemented the pilot insuring project for Chuna manual therapy(CMT). 65 Korean Medicine(KM) hospitals and clinics were selected in the project to monitor the provision of insured CMT. Objectives : This study aimed to evaluate the effectiveness of CMT for low back pain provided in the real world setting. Methods : Patients with low back pain who agreed to participated in the study were enrolled and requested to complete questionnaires. Patients who received CMT regardless of receiving other KM therapies were classified to Chuna group, and patient who received KM therapies without CMT to KM group. Pain(pain-VAS) and back function(KODI, Oswestry disability index-Korean version), quality of life were assessed at baseline, 4 weeks, and 8 weeks. Additionally, patients who received CMT twice and more, and who's pain-VAS 20 and over were included, and patients who used pain injection were excluded in the analysis. Results : Of 371 patients who completed all questionnaire (mean age=42.6years, SD=12.45; 61% female), 96 were excluded, 170 were in Chuna group, and 105 were in KM group. Proportions of patients who had low back pain for more than twelve weeks in the Chuna group and KM group were 57.7% and 24.8%, respectively. Pain and back function were significantly improved on 4weeks and 8weeks in both groups, but there was no difference between two groups. For the patients in the sub-acute and chronic stage(>=12 weeks), change of total KODI scores in the Chuna group was higher than KM group(p=0.013) at 4weeks. Conclusions : CMT with other KM therapies can improve back function in the sub-acute and chronic patients. For insurance policy decision, economic evaluation of CMT is needed.

• 한국사회정책
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• 제20권3호
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• pp.171-195
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• 2013

산재보험의 현안 이슈 중의 하나는 인적 적용 범위에 관한 것이다. 우리나라에서는 근로기준법상의 근로자 개념과 산재보험법상의 근로자 개념을 일치시켜 적용하면서 사회적 보호 필요성이 제기되는 집단에 한정해서 특례규정을 적용하여 임시적으로 문제를 해결하여 왔다. 본 논문에서는 독일 사회법전과 문헌 연구를 통해 자원봉사자와 특수형태근로종사자 중심으로 독일 산재보험의 적용 방식을 분석하고 시사점을 도출하였다. 독일에서는 우리나라와 달리 의료기관이나 사회복지시설의 자원봉사자, 공공기관과 교회의 자원봉사자, 시민보호를 위한 자원봉사자, 생명구조 활동자, 헌혈자 및 장기 기증자 등을 법률에 의한 당연가입대상자로 적용하고 있다. 국가가 공익 목적의 자원봉사 활동을 적극 지원하여 자원봉사가 활성화되어 있으며, 이러한 지원의 일환으로 자원봉사 활동 관련 재해 위험을 산재보험제도를 통해 보호하고 있다. 산재보험의 적용대상이 종속적 고용관계에 있는 근로자에서 출발하여 확대되는 배경과 과정을 자원봉사자 중심으로 독일 문헌에 기초해 정리하였다. 본 연구를 통해 다음과 같은 시사점을 도출하였다. 첫째, 독일 산재보험제도는 종속적 고용관계에 있지 않은 사회적 취약집단에게 재해 보호 서비스를 제공할 수 있다는 것을 보여준다. 둘째, 사회복지 분야 자원봉사자에게 재해 보호 서비스를 제공할 필요가 있으며 적용방법으로 산재보험제도를 활용하는 것이 바람직하다. 셋째, 사회복지 분야 자원봉사자를 산재보험 당연가입대상자로 설정하여 제도를 운영할 필요가 있다. 넷째, 특수형태근로종사자에 대해서는 우리나라가 독자적인 해결방안을 강구해야 한다.

• 보건행정학회지
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• 제30권4호
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• pp.460-466
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• 2020

Background: The purpose of this study is to analyze whether there is a change in patterns of medical use among those likely to be converted their health insurance qualifications when the family support rule is alleviated. There is no empirical analysis that converting health insurance qualification will affect the increase in medical use. Methods: For analysis, data were extracted from the national health insurance eligibility and medical care database. To identify analysis targets similar to that of medical aids' characteristics among health insurance coverage, we compared income, property level, and medical use patterns through basic statistical analysis and used a difference-in-difference (DID) analysis to estimate the net effect of changes in medical use following the change of qualifications. Results: The main results are as follows. The results show that those who are under the 5% income group (1st income group) of health insurance coverage are the most similar to the medical aids group. DID analysis shows that changes in the medical use of people who maintain their national insurance qualification and who are not. As a results, the number of hospitalized days of converting group was reduced by 3.5 days while outpatient days were increased by 1.8 days. Conclusion: As a result, there was not much difference in the patterns of medical use for the under 5% income group who are likely to be eligible for expanded medical aids when the family support rule is alleviated. In addition, more than 30% of them are in arrears with their health insurance premiums, causing inconvenience in using medical services. These findings suggest the need of abolishing the criteria obligated to support family, and great efforts should be made to contribute to non-paid poor and remove their medical blind spot.

• 한국콘텐츠학회논문지
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• 제21권8호
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• pp.305-314
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• 2021

최근 대법원은 국민건강보험공단이 불법행위 피해자에게 보험급여를 한 다음 피해자의 손해배상채권을 대위하는 경우에 공단의 대위 범위는 공단부담금 중 가해자의 책임비율에 해당하는 금액으로 제한되고, 피해자의 가해자에 대한 손해배상채권액은 '공제 후 과실상계' 방식으로 산정해야 한다고 판단하였다. 종전까지 법원은 공단이 가해자의 손해배상액을 한도로 공단부담금 전액을 대위할 수 있고, 그에 따라 가해자의 피해자에 대한 손해배상액을 산정할 때 '과실상계 후 공제 방식'에 따른다는 취지로 일관되게 판단하였다. 이번 대법원의 전원합의체 판결은 수급권자가 그 만큼 추가적인 손해전보를 받을 수 있어 건강보험의 재산권적 성격과 사회보험으로서의 성격을 조화롭게 고려하고 보험자와 수급권자 사이의 형평을 도모했다는 점에서 판결의 의미가 크다고 할 것이다. 이와 같이 공단의 대위 범위에 대한 대법원의 법리가 변경됨에 따라 소송 관계, 법령 및 제도적 보완이 필요함을 제언하였다.

• 한국콘텐츠학회논문지
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• 제22권1호
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• pp.601-610
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• 2022

우리나라의 민간의료보험 가입자 수는 꾸준히 증가하고 있지만 그에 대한 가계부담이나 중복가입 현황에 대해서는 구체적으로 다뤄지지 않았다. 본 연구에서는 한국의료패널 2011년부터 2018년 조사자료를 사용하여 우리나라 가구의 민간의료보험 가입 현황을 살펴보았다. 또한 가구원당 민간의료보험 가입수가 3개를 초과하는 가구를 과다가입 가구로 정의하고 2018년 단면자료를 사용하여 민간의료보험 과다가입과 관련된 요인에 대해 로짓모형을 적용하여 분석하였다. 분석기간 동안 우리나라 가구의 가입 보험수는 꾸준히 증가하였으며 1인당 보험수는 2011년 1.3개에서 2018년 1.6개로 증가하였다. 1인당 보험수가 3개를 초과한 가구의 비율은 동기간 5.2%에서 10.8%로 증가하였다. 로짓분석 결과 가구주가 여성인 경우, 교육수준이 높고 고소득인 가구, 가구주 직업이 사무·서비스·판매직인 경우에 과다가입 가능성이 높아졌고, 의료급여 가구와 가구내 만성질환이 많은 가구는 과다가입 가능성이 낮아졌다. 본 연구의 결과는 향후 가구의 실손의료보험 가입의 실효성과 가계부담에 대한 심층 연구에 기초자료가 될 것으로 기대한다.

• 디지털융복합연구
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• 제20권2호
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• pp.241-250
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• 2022

COVID-19 여파로 인한 비대면 서비스와 가정 재정 불안정성의 증가로 이륜차 보험사기 발생이 예상되고 있다. 이와 함께 보험사기 수법도 갈수록 교묘해지고 있다. 하지만 비대면 배달 수요와 연관된 이륜차 교통사고와 보험사기 적발 모형 관련 연구는 매우 미흡한 실정이다. 이에 본 연구는 보험사기의 표본 편중문제를 해결하기 위해 균형 랜덤포레스트 알고리즘을 이용하고 보험사기 조사 전문가의 정성적인 판단 기준을 반영한 변수를 모델에 포함하여 적용성을 향상시키며 적발력 높은 이륜차 보험사기 모형을 개발하고자 한다. 보험사기 적발 모형 개발 결과, 기존의 비균형 랜덤 포레스트 모형에 비해 균형 랜덤 포레스트가 보험 사기혐의자를 분류하는 데 있어 통계적으로 우수한 점을 확인할 수 있었다. 특히, 총 26개의 변수를 토대로 탐색적 변수 조합을 적용한 모형의 예측 성능이 가장 높았지만 일부 변수만을 사용한 확인적 모형의 예측 성능도 크게 떨어지지 않은 와중에, 정성적인 보험사기 전문가가 선정한 변수만을 사용한 확인적 모형은 예측력이 떨어지는 것을 확인하였다. 또한, 총 26개의 변수 중 운전자 성별, 연령, 운전자 피보험자 일치 여부, 미수선 청구금액, 대인보험금 등이 중요한 변수로 확인되어 이를 활용해 이륜차 보험사기 혐의자 선별을 위한 적극적인 대처가 필요해 보인다.