• Journal of Preventive Medicine and Public Health
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• v.22 no.4 s.28
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• pp.578-590
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• 1989

This study was conducted to assess the equity in the regional insurance scheme through analysis of the computerized data from one regional insurance society and National Federation of Medical Insurance. We analysed the insurance contribution and benefit by the classes based on total and income-related contribution per household. The major findings of this study are as follows : 1. The average proportion of income-related contribution among the total was 39.2% and the upper classes show higher proportion of the income-related contribution. 2. The upper classes show higher health care utilization rate than the lower classes. It suggests that the lower classes have relatively large unmet medical needs. 3. The analysis through the Lorenz curve reveals that there exists transference of contributions from the upper to lower classes. But the cumulative percentage of insurance benefit is smaller than that of the number of the insured. It implies that regional medical insurance scheme in Korea has still some inequity in the context of social security principles.

• The Korean Journal of Applied Statistics
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• v.36 no.6
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• pp.591-618
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• 2023

This paper evaluates the performance of various distribution assumptions in regression settings for estimating insurance loss. The gamma distribution is commonly used to handle the asymmetry property of loss distribution. However, recent studies highlight the significance of heavy-tailedness in loss distribution. Through an analysis of real home fire insurance data, we compare the effectiveness of different distribution assumptions in regression methods. Our findings show that the choice of parametric distributional assumption is crucial in determining premiums for various insurance products, including "excess of loss insurance" and "limit insurance". Additionally, we discuss practical considerations for applying our results in home fire insurance.

• The Korean Journal of Financial Management
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• v.20 no.2
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• pp.263-291
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• 2003

The purpose of this paper is to analyse the change in the productivity of Korean life insurance industry by Generalized Malmquist productivity indices. Generalized Malmquist indices will be decomposed into three components such as pure efficiency change, scale efficiency change, and technical change. The principal findings indicate an overall increase in productivity driven more by technical progress than pure technical efficiency and scale efficiency.

• Journal of Labour Economics
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• v.26 no.2
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• pp.31-59
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• 2003

This paper analyzes a social insurance system that integrates unemployment insurance with a pension program, allowing workers to borrow against their future wage income to finance consumption during an unemployment episode and thus improving their search incentives while reducing risks. This paper identifies the conditions under which the integration improves welfare and the factors which determine the optimal degree of integration. A fully integrated system is one in which no reliance is placed at all on a separate tax-funded unemployment insurance program. We show that when the duration of unemployment is very short compared to the period of employment or retirement, the optimal system involves an exclusive reliance on pension-funded self-insurance. This system imposes a negligible risk burden for workers while avoiding attenuating search incentives. We also argue that a joint integration of several social insurance programs with a pension program through an individual account is desirable unless the risks are perfectly correlated to each other.

• Journal of the Korean hospital association
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• v.31 no.3 s.277
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• pp.14-19
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• 2002

우리 국민의 의료서비스에 대한 불만은 매우 높다. 더더욱 최근 건강보험의 통합과 관련한 정치권과 행정부의 정책혼선과 의약분업 정책에 의해 야기된 불안과 불만은 정권자체의 불신을 초래하는 단계에까지 이르고 있다. 혼선과 불만이 야기된 근본적 원인은 정책담당자들의 무지, 일부 학자들의 잘못된 이념적 선동, 그리고 일반국민의 허황된 기대에서 찾아진다. 이 과정에서 얻는 중요한 교훈은 어떠한 정책이든 뜨거운 가슴으로 되지 않으며 무엇보다도 냉철한 머리가 정책의 중심을 차지하여야 한다는 것이다.

• 방재와보험
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• s.116
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• pp.70-71
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• 2006

사과에도 중심(core)이 있고 지구도 지표면과 안으로 중심이 있듯이 인체에도 몸의 중심 부위가 있다. 보통 단전 부위에 무게중심이 있다고 설명을 한다. 단전의 위치에 대해서는 여러 가지 설이 있어 한마디로 정의하기는 어려우나 일반적으로 상단전, 중단전, 하단전으로 분류학 상단전은 뇌 부분, 중단전은 심장에서 명치 부분, 하단전은 배꼽 아래 부분에 있다고 한다. 단전이라고 할 때 약간의 차이는 있지만 아랫배 부근을 가르키며, 기해라고도 한다. 특히 하단전은 모든 경락이 모이는 곳으로서 원기를 저장하는 곳이며 기 흐름의 요체이다. 또한 생명력을 배양하는 곳이자 복식호흡의 기본력이라고 알려져 있다. 그러면 의학적으로는 어떤 것을 신체 중심(core)이라고 이야기 할까?

• 월간 기계설비
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• s.259
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• pp.43-43
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• 2012

2012년도 건설업 적용 각종 노무 요율이 고시됐다. 고용노동부는 최근 최저임금액을 비롯해 건설업 월평균 보수, 건설공사 노무비율, 산업재해보험요율, 장애인 고용 부담기초액 등을 발표했다. 2012년도에 적용될 최저임금액은 4,580원이며, 건설업 월평균 보수는 2,597,274원, 건설공사 노무비율은 일반 건설공사의 경우 28/100이며, 하도급 건설공사의 경우 32/100, 산업재해보험요율 37/1,000, 장애인 고용 부담기초액은 월 59만원이다.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.21 no.1
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• pp.417-425
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• 2020

In this paper, value relevance of the level of dependence on separate accounts in non-life-insurance companies is studied. As noted by Shim et al. (2015), the separate accounts of insurance companies consist of contracts with different attributes from the general accounts, so it is likely that firm value will vary depending on the insurer's dependence on the separate accounts. Thus, in this paper, an empirical analysis has been conducted using quarterly financial data and stock price data from domestic listed non-life-insurance companies from 2011 to 2018. The analysis shows that variables representing the level of dependence on separate accounts have a significant negative relevance to firm value. These results may suggest that changes in the proportion of a non-life-insurer's separate accounts may result in a change to its firm value under the same net assets and net income scales in aggregate accounts. This study provides management implications for the operation of separate accounts from the perspective of maximizing firm value. In addition, this study suggests that disclosure system improvement would be necessary to more directly report the operational performance of the separate accounts.

• Journal of Service Research and Studies
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• v.11 no.1
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• pp.31-44
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• 2021

The net function of the domestic medical insurance system is highly regarded, but due to the problem of incomplete coverage, the public wants to secure coverage through private medical insurance subscription. As a result, the subscription rate of private medical insurance has recently increased, and the billing rate has also increased. As the number of people seeking private medical insurance increased, workers at private medical insurance companies are experiencing increased job stress and side effects, especially for insurance reviewers who are in charge of paying insurance, such as communicating with customers who claimed insurance and contributing to the company's profit. In response, this study analyzed the effects of job stress on mental health of insurance reviewers and conducted a descriptive survey study to reduce job stress of insurance reviewers and promote mental health. The analysis shows that job stress for insurance reviewers has a significant impact on mental health (+). In detail, job stress has a significant impact on all four factors: social performance and self-confidence, depression, sleeping disturbance and anxiety, and general well-being and vitality. This study showed that job stress in insurance reviewers has a significant (+) impact on mental health. Job stress can cause side effects in organizational aspects, such as reducing enthusiasm for job performance and increasing turnover and resignation rates, but it can also worsen individual physical health and cause diseases such as depression and anxiety, causing mental health to be impoverished. Therefore, in order to prevent this, appropriate work stress prevention methods and countermeasures should be provided to help reduce work stress and improve mental health.

• 월간산업보건
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• s.260
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• pp.69-81
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• 2009

$\bullet$ 목적 본 연구는 한국의 생산직 근로자와 사무직 근로자의 직업성 손상 및 질환의 차이를 비교하고 산재보고 축소(underreporting)의 규모를 추정하고자 수행되었다. $\bullet$ 방법 한국의 경인지역에서 구축된 근로자 건강진단 수진자 코호트와 1999-2001년 사이에 재직 중이었던 근로자의 건강보험 청구자료를 이용하였다. 근로자의 직무내용과 건강진단의 종류(특수건강진단 및 일반건강진단)로 사무직과 생산직 근로자로 구분하였으며, 이들 사이의 근골격계질환과 손상 및 중독에 해당하는 건강보험 이용률의 차이를 신고되지 않은 산재로 추정하였다. 이를 바탕으로 도수율, 산재발생률 및 재해율을 계산하였다. $\bullet$ 결과 생산직 근로자는 사무직 근로자보다 100 인년 당 3.47건 더 높은 건강보험이용률을 보였다. 이를 토대로 추정한 한국의 도수율은 12.57-18.1, 재해율은 2.74-3.29, 산재발생률은 3.62-5.44이었다. $\bullet$ 결론 한국 제조업의 산재발생률은 공식적인 통계보다 2-3배 더 높을 것으로 추정되지만, 연구의 제한점을 고려하여 이해할 필요가 있다.