• 보험의학회지
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• 제3권1호
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• pp.219-232
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• 1986

A study on establishment of normal range of cardiothoracic ratio calculated from photofluorography film of chest by age and sex in a total of the 6,598 insureds was undertaken. The results were as follows: 1. In male group, the frequency distribution of cardiothoracic ratio was skewed weakly to the right in second decade, symmetrical in third and fourth decade, and was skewed weakly to the left in fifth and sixth decade; in female group, it was skewed weakly to the left in second, third and fourth decade, and was skewed weakly to the right in fifth and sixth decade. 2. On assumption that normal range of cardiothoracic ratio should comprise about 85% of all cardiothoracic ratios in each age group of both sexes, the sites of deviation from mean value of cardiothoracic ratio corresponding to maximum and minimum cardiothoracic ratio in the range of about 85% above mentioned were detected by statistical method on the frequency distribution of log tranformed cardiothoracic ratio, and $M{\pm}1.3$ sindicating normal range of cardiothoracic ratio was determined. In male group, normal range of cardiothoracic ratio determined by statistical method is 35-45%, 40-50%, 40-50%, 40-50% and 40-50% succesively in order from second to sixth decade; in female group, 40-50%, 40-50%, 40-50%, 45-55% and 45-55%.

• 대기
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• 제34권2호
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• pp.107-121
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• 2024

In this study, we empirically analyzed the impact of physical risks due to climate change on the soundness and operational performance of the financial industry by combining economics and climatology. Particularly, unlike previous studies, we employed the Seasonal-Trend decomposition using LOESS (STL) method to extract trends of climate-related risk variables and economic-financial variables, conducting a two-stage empirical analysis. In the first stage estimation, we found that the delinquency rate and the Bank for International Settlement (BIS) ratio of commercial banks have significant negative effects on the damage caused by natural disasters, frequency of heavy rainfall, average temperature, and number of typhoons. On the other hand, for insurance companies, the damage from natural disasters, frequency of heavy rainfall, frequency of heavy snowfall, and annual average temperature have significant negative effects on return on assets (ROA) and the risk-based capital ratio (RBC). In the second stage estimation, based on the first stage results, we predicted the soundness and operational performance indicators of commercial banks and insurance companies until 2035. According to the forecast results, the delinquency rate of commercial banks is expected to increase steadily until 2035 under assumption that recent years' trend continues until 2035. It indicates that banks' managerial risk can be seriously worsened from climate change. Also the BIS ratio is expected to decrease which also indicates weakening safety buffer against climate risks over time. Additionally, the ROA of insurance companies is expected to decrease, followed by an increase in the RBC, and then a subsequent decrease.

• 농촌의학ㆍ지역보건
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• 제31권1호
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• pp.9-20
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• 2006

본 연구는 전국 및 시도별로 결핵 사망률의 의료보장 유형에 따른 차이를 분석하고 관련 요인을 파악하기 위해 시행되었고 다음과 같은 결과를 얻었다. 의료급여 대상자는 건강보험 가입자에 비해 결핵 사망률이 5.6배가 높으며 남자에서는 6.3배, 여자에서는 3.8배 높아 의료보장 유형별 결핵 사망률비는 남자에서 더 높은 것으로 나타났다. 또한 각 연령군에서의 의료보장 유형별 결핵 사망률비는 30대, 40대, 50대의 장년층에서 가장 높은 것으로 나타났으며 이러한 경향은 남자와 여자 모두 비슷하였다. 시도별 의료보장 유형별 결핵 사망률 차이는 광역자치단체마다 다른 양상을 보였다. 이러한 차이에 영향을 미치는 변수로는 재정자립도, 인구밀도, 보건소당 관할 인구수, 백만명당 병원수, 의료급여 대상자 비율로 나타났다. 본 연구 결과를 종합하여 볼 때 의료급여 대상 결핵 환자들의 결핵관리에 문제가 있으며 특히 의료급여 대상자의 중장년 계층 결핵관리가 취약하고 이는 지역별로 차이가 있음을 알 수 있었다. 그리고 인구밀도가 높고 의료급여 대상자가 적은 비율로 있으며 재정자립도가 높은 대도시지역 일수록 건강보험 가입자에 비해 의료급여 대상자의 결핵 사망률의 격차가 높은 것으로 나타나 이들의 결핵관리 실태에 대한 보다 체계적이고 정밀한 연구가 추후 필요할 것으로 판단된다.

• 한국항해학회지
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• 제18권3호
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• pp.31-49
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• 1994

In the meantime Korean Insurance Industry has been developed a steady growth under government's political protection. But insurance market seems to be opened unavoidably owing to the liberalization of international trade by the Agreements of UR and the bloc of economy by EC Integration and the Organization of NAFTA. By the above reason, especially, in case of hull insurance, the rate of hull insurance is being instituted as a problem. Accordingly the recognition for the problem like this, in thsi study, explained the major objectives of rate making and described the basic rate making methods that are used in property and liability insurance, and searched the rate making schemes of hull insurance rate of the major nations by comparing method. And as a conclusion, the writer presented several schemes including new rate making scheme of hull insurance rate and the security of statistical data about loss ratio, and the establishment of Korean Hull Insurance Association.

• 보험의학회지
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• 제3권1호
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• pp.103-141
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• 1986

The present study was undertaken to establish the decision standard of builds for the insured by using the ratio of weight-for-height as build index. Materials being examined were the ratio of weight-for-height being calculated from the actually measured heights and weights of a total of 15,838 insured persons who were examined medically at Honam Medical Department of Dong Bang Life Insurance Company, Ltd. from June, 1979 to September, 1985. The ratio of weight-for-height is calculated by the following formula. The ratio of weight-for-height(%)=$\frac{weight(kg){\times}100}{\{height(cm)-100\}{\times}0.9(kg)$ The results were as follows: 1. The distribution of the ratio of weight. for-height of the 15,838 insureds follows Log normal distribution being skewed to the left(the direction of underweight). 2. The ratio of weight-for-height were Log transformed to lead to a sym metrical pattern of distribution in which statistical rules are known to be applied more exactly. Thereafter, the establishment of dicision standard of builds was undertaken by using the log of the ratio of weight-for-height as build index. Through all ages in male, the ratio of weight-for-height indicating the range of standard lives including slight overweighted and underweighted lives besides normal lives is 80-130%, and corresponds to $"M-2{\delta}"-"M+1.5{\delta}"$ and to $M{\pm}20%$ ; in female, 85-135%, and corresponds to $"M-2{\delta}"-"M+1.5{\delta}"$ and to $M{\pm}20%$. Through all ages in male, the ratio of weight-for-height indicating the initial level of super-overweighted and super-underweighted lives is 130-150% and 75-80%,and corresponds to $M+3{\delta}\;and\;M-3{\delta}$ and to M+40% and M-25% respectively;in female, 140-160% and 75-80%, and corresponds to $M+3{\delta}\;and\;M-3{\delta}$ and to M+40%-+50% and M-25% respectively. 3. Author's rating table model for builds(a table of weight per height) is proposed. On the table, the ratings for builds, i. e. standard, super-weighted and super-underweighted lives, are listed.

• 대한한의학회지
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• 제34권1호
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• pp.35-51
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• 2013

Objectives: The purpose on this study was to analyze medical health insurance to provide useful data to reestablish oriental medical insurance fees for long-term care hospitals. Methods: First, comparative analysis on medical health insurance was performed, calculating insurance fees of patients admitted to Mungyung Long-term Care Hospital. The oriental medical insurance fee of the patients was calculated as if the patients have been admitted to oriental long-term care hospitals, and the ratio of oriental medical insurance fee to western was calculated. Results: 1. The ratios of total medical expenses were 90% within 3 months and 82% over 3 months. 2. The ratios of co-pays were 86% within 3 months and 82% over 3 months. Conclusions: Oriental medical insurance fees need to be reevaluated.

• Asia pacific journal of information systems
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• 제31권4호
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• pp.527-542
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• 2021

The government-driven open data policies are on the rise to protect consumers from misunderstandings and monitor the companies. However, in contract-based industries such as insurance, the contract-inherent characteristics make information asymmetry between consumers and companies. Our paper focuses on insurance contracts where the contingency has high uncertainty of occurrence, and the clauses may incur high costs of reading. Given those contracts, we hypothesized that the contract's clear statement decreases customer dissatisfaction and lowers the number of complaints. To empirically support the claim, we collected customers' complaint documents of insurance companies and insurance contracts from 2005 until 2017. Our econometric models showed that clearer statements and words significantly reduce the complaints after controlling for firm-specific heterogeneity and time-specific heterogeneity. We identify that insurance companies' complaint ratio significantly differ depending on the insurance contract, including specific clauses and words.

• International Journal of Contents
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• 제4권3호
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• pp.1-9
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• 2008

The Korean life insurance industry has undergone profound changes, such as the beginning of the variable insurance in July 2001 and the bancassurance enforcement in August 2003. However, little empirical research has analyzed data that includes the bancassurance of life insurance companies operating in Korea. In response to this lack of research, this paper applies DEA (data envelopment analysis) models to measure and decompose their efficiency. We discovered that life insurance companies operating in Korea are a little different in their composition ratio of inputs and outputs, due to the increased variety of distribution channels and new products. We provided efficiency scores, return to scale, and reference frequencies. We also decomposed CCR, BCC, and SBM efficiency into scale efficiency and MIX efficiency. So, we try to investigate whether the sources of inefficiency were caused by the inefficient operation of DMU, disadvantageous conditions, the difference of the composition ratio in inputs and outputs with reference sets, or any combination of the above. Most companies in the sample display had either constant or decreasing returns to scale. The efficiency rankings were less consistent among models and efficient DMUs. In response to this problem, we used the super-efficiency model to rank them and then compared the rankings of the DMUs among the various models. It was also concluded that the availability of panel data, rather than cross-sectional data, would greatly improve the validity of the efficiency estimates.

• 보험의학회지
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• 제32권2호
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• pp.39-49
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• 2013

The textbook of insurance medicine is very bulky volume and it's revision time may be long. Nowadays medical knowledge and evidences are developing rapidly. It is necessary to revise current insurance risk of certain disease. Review of respiratory diseases in terms of insurance medicine may be valuable information for insurance doctors and life underwriters. Newly estimated mortality ratio and excess death rate of several respiratory diseases in this review are organizing pneumonia, 266%/44‰; multi-drug resistant tuberculosis, 1200%/110‰; idiopathic interstitial pneumonia, 869%/85‰; VATS lobectomy of stage I lung cancer, 550%/33‰; lymphangioleiomyomatosis 9826%/66‰; lung transplantation 2026%/92‰, respectively.

• 보험의학회지
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• 제29권2호
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• pp.18-21
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• 2010

Background: The kidney transplantation is increasing. The kidney donation of a living donor is more common in Korea than in other countries. Underwriters may encounter a case of a kidney donor. So we need to determine medical risk for a living kidney donor. Methods: Comparative mortality figures were calculated from a source article using mortality analysis methods. Results: Mortality Ratio of a living kidney donor was estimated to 106%, and Excess Death Rate was 0.89 per 1000. Discussion: A healthy kidney donor is quite within standard, even better in terms of medical risk.