• The Journal of the Korean life insurance medical association
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• v.1 no.1
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• pp.54-56
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• 1984

• The Journal of the Korean life insurance medical association
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• v.31 no.1
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• pp.29-33
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• 2012

Nowadays, obstructive sleep apnea is being important to life insurance industry. Many life applicants submit their attending physician's statement, diagnostic certificate, and results of polysomnography to underwriters. So It's necessary to perform evidence-based medical approach. I hope this article is helpful to insurance doctors and underwriters.

• The Journal of the Korean life insurance medical association
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• v.18
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• pp.117-125
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• 1999

암에 의한 보험금 지급의 증가와 관련하여 1996년, 1년 동안 당사에서 암진단보험금 수혜자에 대한 고찰을 통해 다음과 같은 결과를 얻었다. 1. '96년 암진단보험금 지급은 2,720건 발생하였고, 남자 777명(28.6%), 여자 1,943명(71.4%)였다. 2. 남녀별로 40대, 30대, 50대 순으로 암진단보험금이 지급되었으며, 남자에서는 각각 38.6%, 28.8%, 24.2%였고, 여자에서는 각각 31.8%, 30.3%, 26.6%였다. 3. 남자의 경우 위장계통 암이 323명(41.6%), 여자의 경우 생식기계통 암(유방암 포함)이 968명(52.4%)으로 가장 많았다. 4. 장기별 발생률은 남자는 위(27.5%), 간(22.0%), 폐(8.1%), 여자는 유방(21.2%), 위(14.9%), 자궁경부(13.2%)순으로 나타났다. 5. 경과기간별 암진단보험금 지급 양상은 가입 후 1년 이내 25.1%, 1년에서 2년 이하 18.9%, 1년 후 55.9% 발생하였다. 6. 6개월 이내 암진단보험금은 폐암(15.0%), 갑상선암(14.5%), 자궁경암(13.6%), 유방암(13.1%) 순으로 지급되었다. 7. '96년 암진단보험금 수혜자 중 사망은 '98년 10월 현재 805건(29.6%) 발생하였고, 암종류별 사망률은 간암(76.9%), 폐암(74.0%), 위암(36.3%) 순으로 높았다.

• The Journal of the Korean life insurance medical association
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• v.28 no.1_2
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• pp.19-24
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• 2009

This article discusses the use of fasting blood glucose (FBG) and hemoglobin A1c (A1c) to identify insurance applicants who have diabetes or are at high risk for developing diabetes in the future. The conclusion is that the addition of A1c to insurers'underwriting requirements, either as a reflex or a routine (universal) test, may be a cost-effective strategy to manage the risk associated with impaired fasting glucose (IFG) and diabetes.

• The Journal of the Korean life insurance medical association
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• v.30 no.2
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• pp.20-27
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• 2011

Lung diseases are common in general population and they are also important in insurance medicine. According to current textbook of insurance medicine, there are references of western research which performed at 1980s and early 2000. It's necessary to update the reference. In this article, several respiratory disorders such as Kartagener's syndrome, bronchial asthma, drug-resistant tuberculosis, etc are reviewed in terms of insurance medicine. Reference articles were used in Korean study, if possible. I hope this article being a role of helping many insurance doctors and underwriters in Korea.

• The Journal of the Korean life insurance medical association
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• v.26
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• pp.3-12
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• 2007

Frailty는 노인에서 장애와 사망의 주된 원인이 되는데 근육 감소증, 근력 약화, 에너지/화동력/보행속도의 감소, 염증성 싸이토카인의 증가를 특징으로 한다. 비타민 D의 결핍 또는 저항증은 근육기능과 단백질 합성에 대한 효과, 염증성 싸이토카인의 표현 조절, 혈관계에 대한 영향, 중추신경계에 대한 영향을 통해 Fraity syndrome에 대한 원인인자가 될 수 있다. 따라서 만약 비타민 D 결핍이 이 증후군의 중요한 요인이라면 비타민 D 투여는 안전하고도 비용-효과적인 Frailty syndrome에 대한 예방 및 치료 방법이 될 수 있는 것이다.

• The Journal of the Korean life insurance medical association
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• v.30 no.1
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• pp.11-20
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• 2011

Both the enterically transmitted forms of viral hepatitis, hepatitis A and E are self-limited and do not cause chroni chepatitis. Chronic hepatitis occurs in patients with hepatitis B and C as well as in patients with chronic hepatitis D superimposed on chronic hepatitis B. Chronic hepatitis such as hepatitis B or C is important in terms of insurance underwriting and claims. General review of hepatitis B and C was performed in this article.

• The Journal of the Korean life insurance medical association
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• v.27 no.2
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• pp.96-106
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• 2008

Herniate disc disease is one of the biggest problem in claim of insurance as well as in medical. Herniate disc disease have recently increased, and it is ranked 8th in claim reasons recently. As an underwriter and physical therapist, I want to study interrelationship of insurance and disc disease. I think it is necessary to know about knowledge of medical, so this study is given some space to structure of spine, cause of herniated disc disease, role of disc, methods of classification of disable (McBride method and AMA method), and spine disability stage. disc surgery is divided laparoscope disc surgery and spine surgery. I analysis it some factors- gender, age, occupation, re-surgery, and state of after surgery - through searching medical papers. I suggest below conclusion to underwriter because it can be useful to make questionnaire, and underwriter can expect prognosis. conclusion The negative factors of disc surgery (compare to other cases) were as follows: 1. endoscope disc surgery: $20{\sim}40year$ old man, hospitalization period more than 5 days. 2. spine surgery: $45{\sim}70year$ old woman, hospitalization period more than 15 days. 3. re-surgery experience: exist 4. working condition: a person who draws a small income, non-regular worker, working period is less than 1 year. 5. method of surgery: pedicle screw fixation. spine fusion surgery, artificial disc surgery. 6. post surgery condition: appearance of muscle weakness, paralysis, reference pain, lordosis, kyphosis, and complication. smoker or take a drink.

• The Journal of the Korean life insurance medical association
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• v.2 no.1
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• pp.3-16
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• 1985

Necessity of life insurance is stronger for people who feel some anxiety of their health. However, in fact, it is not permitted for them to get a contract, because life insurance stands on the mutual benefit system. Life insurance must be impartial to all applicants. However, it is very reasonable that an applicant, who has high medical impairment like heart infarction or cancer, is rejected, to have a contract by underwriting decision. On the other hand, if his medical impairment is not so severe, we might accept his application by giving some restriction. Numericalratingsystem by hunter-rogers gave us one of solutions to this problem. We can keep impartiality by using more restrictive decision, in order that we demand additional payment to the impairment applicant according to his mortality. We call this system as substandard life insurance. In this system we need detail information about impairments of applicants in order to decide the condition of substandard risks. Therefore, medical examiners are required to have high diagnostic technique.

• The Journal of the Korean life insurance medical association
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• v.28 no.1_2
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• pp.15-18
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• 2009

Background: Recent emergence of drug-resistant tuberculosis such as multidrug-resistant tuberculosis(MDR-TB) or extensively drug-resistant tuberculosis(XDR-TB) has become important health care problems. It has also became grave issues for insurance industries in determining medical risks. We have therefore strived to analyze the comparative mortality rates for drug-resistant tuberculosis through utilization of results from previous articles. Methods: Comparative mortality was calculated from source articles using mortality analysis methods. Results: Mortality ratio of MDR-TB was estimate to 1200%, and excess death rate was 110 per 1,000. Comparative mortality between MDR-TB and XDR-TB by Korean $study^{(1)}$ were 1750, 382, 405, 443, 1025, and 357%, for each 10 months study intervals, respectively. Total mortality ratio was 594% and total excess death rate was 60 per 1,000person. It was determined that the risk of XDR-TB was much greater than MDR-TB. Discussion; Pending the development of a novel anti-tuberculosis drug, it would be prudent to steer clear insuring XDR-TB during underwriting phase due to high medical cost that it creates.