• 보험의학회지
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• 제2권1호
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• pp.245-252
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• 1985

Ultrasonographic examination in the obstetrics not only makes easy of the diagnosis of Hydrocephalus, placenta previa, anencephalus and ectopic pregnancy, etc, but also guaranteed its excellence in the diagnosis of women gynecology disease. Especially in case that it doesn't affect radiation hazard on the embryo, its efficiency keeps increasing and it is spotlighted to many clinic doctors. Even though in general hospital we often observe congenital hydrocephalus in Med. Dept. which entirly undergoes the medical examination to the insured, we don't observe even the women delivered with child and it is very difficult to find a rare congenital hydrocephlus throughout other present insurance companies. We inspected a congenital hydrocephalus, which other medical equipments of present insurance companies have many difficulties in the medical examination, accompanied by meningoencephalocele by ultrasonic diagnosis. We analyzed and compared the data by ultrasonic diagnosis with that of surgical diagnosis and the results are follows; 1) We could correctly describe meningoencephalocele by ultrasonic diagnosis. 2) It was able to be diagnosed in LMP 22 weeks. 3) BPD has about 10 mm higher than normal value in LMP 22 weeks. 4) Dilatation of lateral ventricle was observed in LMP 22 weeks. 5) As paralled with ultrasonic diagnosis in pregnancy medical examination, accepting declines including the risk rate can be restrained.

• Journal of the Korean Data and Information Science Society
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• 제16권2호
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• pp.383-389
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• 2005

In this paper, we propose the pure premium rate of reliability insurance policy for radiators under the assumption of Weibull physics of failure. We also describe the performance factors which have an effect on failure characteristics of radiators. The maximum likelihood estimates of scale and shape parameters for assumed distribution are obtained by using accelerated life test data of sample sizes 5 using MINITAB.

• Journal of the Korean Data and Information Science Society
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• 제24권4호
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• pp.737-753
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• 2013

금리변동형 보험상품은 시장금리에 연동하여 이자율 (공시이율)을 적용하는 보험상품이지만, 시장금리의 하락시에도 해약환급금의 이자율을 보증하기 위해 최저보증이율을 설정하도록 하고 있다. 즉, 공시이율이 계약할 당시 설정한 최저보증이율을 하회할 경우 보험사는 공시이율과 최저보증이율 중에 큰 금액으로 책임준비금을 적립하고 계약자가 보험계약을 해지할 경우 해약환급금을 지급해야 한다. 이러한 이자율 보증옵션은 시장금리가 하락하는 최근의 저금리 기조에서 생명보험회사의 손익을 악화시키는 요인이 되고 있다. 본 논문에서는 현재의 저금리 상황과 이자율 보증옵션 적용방식 현황을 살펴보고, 금리변동형 종신보험과 금리변동형 연금보험의 이차손익 구조 및 이자율 보증옵션의 가치와 리스크를 분석한다. 그리고, 이자율 보증옵션의 분석 결과를 토대로 시장이율과 최저보증이율의 금리차와 이차손익과의 관계에 대한 시사점을 제시한다.

• 가정과삶의질연구
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• 제21권6호
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• pp.43-51
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• 2003

The purpose of this research was to investigate the perception of financial risks and expenditures for insurance by household characteristics. Data were collected from 598 housewives by online survey on Dec., 2001. Results indicated that respondents had perceived the risk of unemployment most among three types of risks. Household characteristics reflecting financial needs in emergency case had positive effects on the perception of risks, and hence the expenditures for insurance, in general. On the other hand, the level of emergency preparation had negative effects on the perception of risks and the expenditures for insurance. However, only credit-related risk had a positive relationship with the expenditures for insurance.

• 한국콘텐츠학회논문지
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• 제8권5호
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• pp.192-206
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• 2008

우리나라의 생명보험산업은 IMF 사태와 방카슈랑스의 도입 등 많은 변화를 겪어왔으며 앞으로 시행될 자본통합법의 시행도 추후에는 생명보험산업에 많은 영향을 미칠 것으로 보이며 생명보험회사의 경쟁력 강화를 위해서는 효율성의 분석이 필수적이다. 본 논문은 DEA 모형을 이용하여 우리나라에서 영업 중인 생명보험회사들의 효율성을 분석했다. 이를 위해 투입변수는 두 가지 범주로 나누어서 분석을 시도하였고 동태적 효율성을 분석하기 위해서 DEA/WINDOW 모형을 도입하였다. 이를 통하여 생명보험회사들의 CCR, BCC, 규모효율성을 알 수 있었고 7년간(1998년$\sim$2004년)의 효율성의 추세와 안정성을 파악할 수 있었다.

• Communications for Statistical Applications and Methods
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• 제31권3호
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• pp.323-336
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• 2024

The accurate forecasting of insurance claims is a critical component for insurers' risk management decisions. Hierarchical Bayesian parametric (BP) models can be used for health insurance claims forecasting, but they are unsatisfactory to describe the claims distribution. Therefore, Bayesian nonparametric (BNP) models can be a more suitable alternative to deal with the complex characteristics of the health insurance claims distribution, including heavy tails, skewness, and multimodality. In this study, we apply both a BP model and a BNP model to predict group health claims using simulated and real-world data for a private life insurer in Indonesia. The findings show that the BNP model outperforms the BP model in terms of claims prediction accuracy. Furthermore, our analysis highlights the flexibility and robustness of BNP models in handling diverse data structures in health insurance claims.

• Journal of the Korean Data and Information Science Society
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• 제20권4호
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• pp.673-684
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• 2009

텔레마케팅의 영업특성상 전화 응대를 한 고객에게 초기 적절한 상품을 추천하여 보험가입을 유치하는 것이 가장 중요하다. 따라서 고객의 선호상품 및 선호시간을 고려한 고객 선별과 타겟팅을 어떻게 진행하느냐에 따라 거수보험료 차이가 발생한다. 본 연구는 데이터마이닝 기법 중 로지스틱회귀모형을 이용하여 생명보험사 아웃바운드 텔레마케팅 영업을 지원하는데 있어서 그 효과를 검증하고자 하였다. 기존의 가입상품에 대한 고객반응정보와 L생명보험사 영업 전략에 따라 연령을 구간화하고 가족사랑보험, 상해보험, 암보험 상품에 대한 모델링을 진행하였다. 설정된 모델을 바탕으로 캠페인 진행시 기존 마케팅 방식과 모델방식으로 고객을 추출하고 실행결과를 통해 모델의 우수성을 입증하였다. 또한 시간이 지남에 따라 설정한 모델이 노후화되고 영업이익이 줄어듦에 따라 지속적으로 영업이익을 극대화 할 수 있도록 모델갱신주기를 도출하였다.

• 가정과삶의질연구
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• 제23권6호
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• pp.133-144
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• 2005

The Objective of this study was to investigate the consumer attitude and purchase willingness of internet insurance. Data were collected from 412 adult consumers who had bought car insurance at least once. Results showed that respondents have positive as well as negative attitude toward internet insurance. The best thing of internet insurance seems tn be the low rate of insurance premium while the worst thing seems to be the risk of personal information disclosure. However, about two thirds of respondents answered that they were willing to purchase internet insurance if the insurance premium were discounted more than $25\%$ of what they paid offline. The more consumer attitude was positive, the more consumers were willing to purchase internet insurance. In general, consumer attitude and purchase willingness of internet insurance vary with consumers' demographic and socio-economic characteristics.

• 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.

• 산경연구논집
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• 제12권11호
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• pp.33-50
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• 2021

Purpose: In South Korea, two kinds of mandatory insurance, Fierce Liability Insurance and Outdoor Advertising Liability Insurance sells as of February 2021 according to relevant codes. This study analyzed third party liability and personal living liability insurance in terms of various risks not corporation side but personal side arising from normal living and life. Research design, data and methodology: Some cases of drone accident hit man and fierce dog accident were taken into analysis to verify blame ratio and insurance claim money. The former case is that on the way down the elevator, the dog, American pit bull terrier rushed in and bit the lower part of the knee against the visitor. The latter case is that while flying in the sky as usual, the drone suddenly crashed, fell, and hit the head of a young child while walking on the street. Further previous studies such as third party liabilities, liability insurance, mandatory insurance were deeply analyzed. Results: Based on some case studies and previous studies, the author suggested valuable comments in turn realization of insurer as provider, exhaustive creation and operation of mandatory insurance, realization of insured as demanded, and arrangements of laws and systems in special consideration of amendment of companion animal and exhaustive execution of mandatory insurance by the government. Conclusions: This study was about third party liability, personal living liability insurance and expansion of mandatory insurance caused by relevant laws by the government. In this study the author verified what issues were observed from two cases drone accident and fierce dog accident and then suggested some valuable comment as above both systemic plans and practical plans. First of all, the individual should get Comprehensive Property Insurance(CPI) that covers the risks of his/her own property arising from the everyday life. And then the individual should further buy Personal Living Liability Insurance(PLLI) in order to prepare 'accidents that may happen when, where, or how' and overcome the said accidents. Moreover, the individual should take a look every single insurance contract whether he/she has a special terms and conditions of Personal Living Liability Insurance(PLLI) or not.