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.

대사증후군은 비만, 이상지혈증, 고혈압, 당뇨병이나 내당능 장애가 동반되어 나타나는 증후군이다. 근래 들어 우리나라도 점차 비만 인구가 증가함에 따라 대사증후군의 유병률이 빠르게 증가하는 추세를 보여. 대사증후군에 대한 간단한 개념 정리를 하였다. 먼저 대사증후군의 정의와 진단기준을 살펴보았다. 1998년 대사증후군을 명명하고 진안기준을 제시한 WHO 진단기준, NCEP-ATP III 진단기준, 인슐린 저항성 증후군의 진단기준을 살펴보고, 기타 인종에 따른 허리 둘레 기준 및 IDF 정의를 살펴 보았다. 또한 대사증후군과 관련된 여러 인자들도 다시 확인해보고, AHA/NHLBI 진단 기준도 살펴 보았다. 우리나라는 대부분 연구에서 NCEP-ATP III 기준을 적용하고 있는데, 그 내용은 복부 비만 허리둘레 남자 102cm 이상, 여자 88cm 이상, 중성 지방 150mg/dl 이상, HDL-콜레스테롤 남자 40mg/dl 미만, 여자 50mg/dl 미만, 혈압 130/85 mmHg 이상, 공복 혈당 110mg/dl 이상이다. 복부 비만의 경우는 2000년 제정된 WHO 서태평양 지역 기준인 남자 90cm, 여자 80cm 이상으로 적용하고 있다. 다음 치료의 기본 개념을 간단히 언급 하였는데, 가장 중요한 치료는 우선적으로 생활 습관의 개선을 꼽을 수 있으며, 기타 약물요법 및 인슐린 저항성 개선제 등이 있다. 우리나라 에서도 심혈관계 질환과 당뇨병이 점차 사망 원인의 우위를 차지 하고 있으므로 대사증후군을 초기에 진단하고 관리하는 노력이 매우 필요할 것으로 생각되며, 생명보험사도 대사증후군을 하나의 증후군으로 인식하여 대사증후군의 전반적인 이해가 필요할 것으로 생각된다.

ECG is included in certain medical examinations of insurance application, ECG has low specificity and sensitivity. So ECG is not usually used to diagnose specific diseases. But, ECG is not invasive and costs low. So ECG is usually used in underwriting. Actually in underwriting we meet various ECG patterns and diagnosises. Understanding of various ECG patterns is different between insurance medicine and clinical medicine. So We have to learn various ECG patterns and effects on mortality and morbidity. First considerations of ECG readings are age, sex, blood pressure, family history, smoking historyalcohol history and hyperlipidemia. These are predictors for possibility of disease. Also it is important to review recording ECG with proper skill. In this review I consider several ECG diagnosises that we meet frequently, which is, LVH, RVH, ST abnormalities, LBBS, RBBB, A-B blocks, several kinds of arrhythmia. We have to consider long term mortalities and morbidities of specific ECG patterns although applicants have no symptom and sign. And then we have to make underwriting manual according to specific ECG diagnosises and patterns and underwrite precisely ECG patterns according to insurance products. Nowadays coronary heart disease and other heart diseases are increasing in Korea. So we have to learn various ECG patterns and research mortalities and morbidities of abnormal ECG patterns. Also we have to apply to more broad, precise underwriting skills about ECG patterns and diagnosises.

Background and main issue: In the Korean insurance market, an outstanding issue is the decrease of margin of risk ratio. This affects the solvency and profitability of insurance companies. Insurance medicine, which has been developed in Western countries, is so-called medical risk selection or medical underwriting. Medical risk selection is based on clinical follow-up study and mortality analysis methodology. Unfortunately, there have been few clinical follow-up studies, and no intercompany disease analysis system is available in the Korean insurance market. In practice, we use underwriting guidelines, which were developed by some global reinsurance companies. However, these guidelines were developed under clinical follow-up studies performed abroad. So, we cannot rule out underestimation of excess mortality factors such as mortality ratio, excess death rate, and life expectancy. It is necessary to perform medical assessment in claims administration. Comparing the insured's statement by medical records with products' benefit according to this procedure, we can make sound claim decisions and participate in the role of sound underwriting. We can call this scientific procedure as the verification of medical claims review. Another area of medical claims review is medical counsel for claims staff. Result: There is another insurance medicine in addition to medical risk selection. Independent medical assessment by medical records of insured is medical claims review. Medical claims review is composed of verification and counsel.

In the course of insurance claim administration, medical experts' opinions are called medical claim reviews. They are classified into two main categories: medical verification and counsel for claim staff. Medical verification compare between product coverage and the insured's physical condition. Medical counsel for claim staff is advice for claim staff when they have a question about medical knowledge to make a claim decision. A common example of medical verification is insurance coding of pituitary apoplexy. Some clinicians have insisted that the ICD coding of pituitary apoplexy is l63 of cerebral infarction, but the exclusion criteria of I code show that neoplasm is coded as C00 to D48. Thus, pituitary apoplexy must be coded as D33. An example of medical counsel for claim staff is interpretation of some medical conditions. It is divided into UCR(usual, customary, and reasonable) assessment, assessment of causality, and so on. Disability evaluation is another subject of medical counsel for claim staff. The final claim decision must be made by claim staff because only the claim staff have the authority of claim decision. Medical claims review is only an expert's opinion.