• International Commerce and Information Review
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• v.9 no.3
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• pp.151-160
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• 2007

The purpose of this study is to estimate the risk premium hedge ratio in foreign exchange risk of the foreign exchange rate insurance. The applicants of exchange rate insurance and Korea Export Insurance Corporation will be facing the risk in change of currency and guaranteed currency’s swap point upon contract being made. Also upon making decision of hedging exchange rate insurance, the company will need to be aware of the risk causing due to change in swap point.

• Journal of the Korean Society of Safety
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• v.25 no.6
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• pp.137-145
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• 2010

This study examined the possibility of applying the industrial accident insurance balance ratio to the calculation of the converted accident ratio in the credibility assessment of the PQ. Some correlations between the industrial accident insurance balance ratio and the converted accident ratio were found in the general tendency, however, there were no significant correlations between the two in the individual companies. Therefore, this study came to the conclusion that it is not appropriate to directly apply the industrial accident insurance balance ratio to the calculation of the converted accident ratio.

• Journal of Multimedia Information System
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• v.8 no.1
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• pp.69-74
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• 2021

This paper accumulates the product structure data such as bond obligation ratio and investment ratio for variable insurance using crawling from the insurance company's API, also accumulates variable insurance income and project expenses for variable insurance using crawling from the API of life insurance association. From these accumulated data, the correlation coefficient between fund product and customer preference is calculated with an investment algorithm, and variable insurance funds by customer investment preference and product structure are recommended according to market conditions. From the simulation results, it is shown that the proposed variable insurance management system properly recommends and manages variable insurance according to customer preferences.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.12
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• pp.909-917
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• 2020

The research aims to analyze the firm-specific and macroeconomic factors that affect insurance company's financial performance. The research explores the variables that influence the financial performance of the United Arab Emirates (UAE)' insurance companies. The analysis for determining financial performance considers the following variables: the firm's age, retention ratio, capital adequacy, underwriting risk/loss ratio, financial-leverage, reinsurance dependency, and macro-economic factors such as GDP per capita, inflation rate considered as independent factors. The return-on-asset (ROA) is the key measuring indicator; it is regarded as the dependent variable for financial performance measures. The research focuses on secondary information obtained from insurance companies' financial statements. The researcher targeted 18 insurance companies listed on the UAE stock exchanges for study purposes. The research examines the overall factors that influence the financial performance of an insurance company. For analysis of data, software package of social sciences (SPSS version 20) is used. The studies used correlation and multiple linear regression analysis to determine financial performance and their effects. The analysis suggests that there are important and constructive relationships between the size, capital adequacy, and reinsurance dependency, while loss ratio, retention ratio, and financial leverage indicate a major negative relationship. And there's no link between GDP per capita and inflation.

• The Journal of the Korean life insurance medical association
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• v.27 no.2
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• pp.80-84
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• 2008

Now, we have experienced that the loss ratio of cancer insurance with prevalence of cancer increased. The insurance companies interest how the loss ratio of cancer insurance decrease. To decrease the loss of ratio of cancer, underwriting is very important. The underwriting of cancer are very important factors which are family history, habitual behavior and past history. We have spend the most of time under the occupational situation. Occupation may be very important factor causing cancer. But we neglect the occupation history. This article show how the underwriting of the occupational cancers in the field of occupation are managed Generally, Occupational cancers show special characteristic features. We know the characteristics of occupational cancer under the variety of occupation. For the underwriting of occupational cancer in Korea, we also understand the epidemiology of Korean occupational cancer with the varieties of occupation This article shows the characteristics of occupational cancer and epidemiology of Korean occupational cancers.

• Korean Journal of Cognitive Science
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• v.23 no.2
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• pp.205-224
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• 2012

How would people who buy an insurance policy respond to a low probability risk with a high future cost? Presented with a scenario describing a low probability accident of a chemical plant, participants in four experiments were asked to rate their perception of the risk and also their intention to buy an insurance of a given premium, an insurance, or a ratio insurance. Participants differently responded only to ratio insurance when rating their perception of risk, not to either premium or insurance. The pattern of results in four experiments converged to the conclusion that ratio insurance, an ecologically valid cue, makes people sensitive to the level of risk expressed in low probabilities of an accident. Our results were consistent with the prediction generated by the ecological cue hypothesis which empathizes the importance of frequency over probability in risk perception (Gigerenzer, 2000).

• The Journal of the Korean life insurance medical association
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• v.16
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• pp.109-121
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• 1997

• Journal of Korean Society of Transportation
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• v.33 no.3
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• pp.223-236
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• 2015

This study dealt with regional characteristics in car insurance for reduction of traffic accidents. The objective was to establish scientifically the verification procedure in the application of regional auto insurance rate. To specify the objective, this study conducts the correlation analysis between factors which are various in each local traffic environment and the loss ratio in automobile insurance. Also, this provides a correlation and a modal in loss ratio, classifying human factors in locality in major cause result from traffic accident. Based on the results, this brings up the problems with applying a uniform criterion for automobile insurance rate although various factors have effect on traffic accidents in locality. Therefore, what stands out most from this study is that a policy on automobile insurance applied to regional factor should be introduced.

• Journal of the Korean Society of Mechanical Technology
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• v.13 no.1
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• pp.1-9
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• 2011

The present study aimed to compare and analyze the particulars of and difference in medical expenses and their composition ratio for 2,026 patients hospitalized at 2 types of medical institutions (443 at a clinic and 1,583 at a hospital) in Jeonju-si, Jeollabuk-do under coverage of automobile insurance during 2009. From the analysis, it became evident that there were differences in individual characters of inpatients covered by automobile insurance, and details, composition and composition ratio of medical treatment for them depending on types of medical institutions. There was no difference, however, between the total and average medical expenses per capita even when markup rate was applied to the automobile insurance by types of hospitals. The ratio of radiotherapy and physical therapy in the composition of medical expenses was found to be extraordinarily high in clinics compared to that of hospitals. The composition ratio of the fixed cost including charge for hospitalization also turned out to be fairly high in all medical institutions.

• The Journal of the Korean life insurance medical association
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• v.7 no.1
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• pp.170-179
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• 1988

A study on the change of cardiothoracic ratio by age calculated from photofluorography film of chest in a total of the 8,115 insureds was undertaken. The results were as follows: 1. The incidence of cardiothoracic ratio of high value increased gradually with age. 2. At the same build, the average cardiothoracic ratio increased gradually with age. 3. Larger the build index was, the incidence of higher cardiothoracic ratio increased. 4. It seemed that the change of cardiothoracic ratio by age was influenced mainly by age and build(the change of build by age) from $18{\sim}19$ to $40{\sim}49$ age group and by age itself in $50{\sim}59$ age group and over. 5. The average cardiothoracic ratio of $30{\sim}39$ age group in male or female was approximate to that of all ages group respectively.