• 제목/요약/키워드: Accident Insurance

검색결과 339건 처리시간 0.022초

자동차사고 발생시 보험처리 의사결정에 관한 연구 -사고에 대한 조건부확율의 이용- (A Study on Decision Making for Applying Insurance in Car Accident -Using the Conditional Probability on Car Accident-)

  • 이공섭
    • 산업경영시스템학회지
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    • 제22권51호
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    • pp.199-210
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    • 1999
  • The number of car accident is Recently on the increase in Korea because of the explosive increase of cars, the poor road condition, the lack of safety facility, and others. The insurant with a accident has to decide whether receiving a insurance or not. In this paper, we represent a reasonable decision support material by calculating the approximate insurance fee based on the discount rate and premium additive rate, which is changed by the accident type and the accident expenditure. Practically, there is difference in the standard insurance rate and premium additive rate according to the accident type and the accident expenditure in Korea. The premium additive rate is assessed considering the number of accident, the pattern of accident, and the reason of accident for 3 years. In this paper, we represent a decision making method considering not only the first-time car accident but also the future car accident. For considering the repeated accident, we analyzed the real data accumulated until the year of 1996 from S Insurance Company, and estimated the probability density function between the first and the second-time accident, and executed the goodness of fit test using ARENA and STATISTICA software. Using this conditional PDF, we can calculate the insurance fee next 3 years and compare the insurance fee with the equivalent present value of cash flows. The program performing this analysis is represented, and written in VISUAL BASIC Language. We tried to suggest an accurate guideline for the insurant to decide the insurance coverage rationally, and tried to correct a wrong idea of dependence on the car insurance only by the amount of the accident expenditure. And we expect this study can generally be applied to many different accident types under the uncertain circumstances in our daily life.

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산업재해로 인한 비보험비용에 관한 연구 - 울산지역의 중소기업을 대상으로 - (A Study on the Non-Insurance Cost due to the Industrial Accident - On the focus of the Ulsan area cooperation -)

  • 고성석;이태영
    • 한국안전학회지
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    • 제16권2호
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    • pp.103-109
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    • 2001
  • When workers get accidents in doing their works, industrial accident insurance covers the compensation for the accidents. Generally, this kind of costs is applied in terms of Direct Cost. In our society circumstance to terminate the accident, many kinds of cost (Non-Insurance Cost) are also discharged. Non-Insurance Cost resulted from additional compensation for insurance allowance, is the important basic data source to estimate Loss Cost. Several studies have been done for the output of accident cost, but companies have difficult to apply these studies into practice and generalize the amount of accident loss cost. This study means to suggest improving solutions for the output of Accident Loss Cost and to reduce Opportunity Cost caused by Industrial Accident.

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재해보험 유형에 따른 진료비 회수기간과 의료미수금의 특성 (Medical Fees Payback Periods and Characteristics of Medical Account Receivables According to the Type of Accident Insurance)

  • 박은하;황병덕
    • 보건의료산업학회지
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    • 제9권1호
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    • pp.57-66
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    • 2015
  • This study was performed to provide efficient fund managing plans for hospitals by looking into the management of medical fees for accident insurance. Car insurance, industrial accident insurance and seamen's insurance at a general hospital which is located in Busan during 29 months from January 1, 2009 to May 31, 2011 were assessed. The research data is the total number of 6,293 cases, including 2,251 car insurance cases, 2,350 industrial accident insurance cases, and 1,692 seamen's insurance cases. There were some significant differences found, as car insurance and seamen's insurance, including accident insurance, are types of insurance for which employers or traffic accidents offenders shall be the final premium payer. In addition, medical examination fees or premium payers are applied under their respective related laws. The findings suggest that it is necessary for managers of hospitals to prepare differentiated management schemes based on the characteristics of each insurer and schemes to ensure proper recovery strategies of uncollected medical account receivables.

사회보장제도(社會保障制度)로서의 한방의료보험(韓方醫療保險)과 산재보상(産災補償) (A Study on the Oriental Medical Insurance and the Industrial Accident Compensation in the Social Security System)

  • 윤영수
    • 대한예방한의학회지
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    • 제1권1호
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    • pp.137-148
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    • 1997
  • The Serial Securities and the Social Welfare, as the national policy aimed at securing generals' lives, are the policies or systems for the stabilization in lift; especially of law-incomers and workers, for which the povernment has to establish the Social Security System. No wonder the Social Insurance System is a part of the Social Security System and the most important. The Social Insurance System, along with Public Assistance, is underlying the Social Security System. Social Security System includes medical insurance, industrial accident Compensation insurance, national pention insurance and employment insurance. The study is on 'The Oriental Medical Insurance and the Industrial Accident Compensation in the Social Security System' . The rate of industrial accident in Korea marks the highest rank in the world. for laborer, industrial accident do not merely mean the loss of health but the question of the right to live in terms of their loss of opportunity of life. The industrial accident compensation system should be established as the es post facto remedy system to guarantee the injured worker and his/her family's life. The oriental medical insurance system which began to operate in 1987 in Korea is based on unionism and divided into 3 parts; one part for the worker, a second part for the community inhabitants, and a third part for the public service personnel and private school personnel. Today the medical problem must be the most important social assignment to be considered. The medical system of contemporary industrial society has began greatly stood out in relief as a part of social welfare not emphasized on gainings of physicians. Accordingly systematization of the oriental medical insurance was strongly Pursued and it was developed to to the extent of entire nation insurance. Though the history of it is very short, most of the people are getting benefit from the insurance system by the social security system method. This study develops the Oriental Medical Insurance, the Workmen's Accident Compensation Insurance, the Pension System in relation to the industrial accident compensation of Employees, along with the ideas and principles of social insurance.

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환산재해율을 산재보험수지율로의 대체 가능성 검토 연구 (Review the Possibility of Replacing the Converted Accident Ratio with the Industrial Accident Compensation Insurance Balance Ratio)

  • 이명구;정명진;김규동;최은진;박승국
    • 한국안전학회지
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    • 제25권6호
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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.

충돌시험을 통한 교통사고 재현 연구 (A Study on Traffic Accident Reconstruction through Vehicle Crash Test)

  • 김관희;임종훈;박인송;전용범;조종두
    • 한국자동차공학회논문집
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    • 제21권6호
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    • pp.58-63
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    • 2013
  • It is very difficult to evaluate the impact speed, who caused the accident and what the injury risk of the vehicle occupants was from the outcome of the accident. That's the main reason why there are so many insurance fraud related to vehicle accident. In this study, a vehicle crash accident suspected to an insurance fraud had been reconstructed to evaluate crash speed and the relationship between the crash accident and passenger injury risk. To do this, the scene was reconstructed based on accident investigation report and three vehicle crash tests were done at 27kph, 37kph and 70kph. The crash speed of 27kph and 37kph were chosen based on the damaged vehicle and 70kph was chosen based on the driver's statement. Based on the damage of vehicle and dummy injury measure, impact speed is estimated around 20 to 30kph and the dummy measures show that the passengers are not seems to be severely injured in this speed range.

콘크리트믹서트럭운전자의 산재보험 적용과 산업재해 (Industrial Accident Compensation Insurance Coverage and Industrial Accidents among Concrete Mixer Truck Drivers)

  • 김민지;최은숙
    • 한국직업건강간호학회지
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    • 제29권2호
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    • pp.106-113
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    • 2020
  • Purpose: This study aimed to analyze industrial accident compensation insurance coverage and industrial accidents among concrete mixer truck drivers. Methods: Original data on industrial accidents from 2012 to 2017 were analyzed through descriptive statistics. Results: Industrial accident compensation insurance coverage was 44.6% in 2017. Most concrete mixer truck drivers were affiliated with small businesses. A total of 61 industrial accidents occurred in 2012, 65 in 2014, and 80 in 2017. The major types of industrial accident were falls, slips, and crushes. Conclusion: Because concrete mixer truck drivers are at high risk for industrial accidents, industrial accident compensation insurance coverage and industrial accident prevention should be strongly enforced.

산재보험 적용의 실효성 제고방안 : 근로자의 재해대응유형 및 원인분석을 중심으로 (The Study on the Enhancement of Effectiveness of Industrial Accident Compensation Insurance's Application : Focusing on the Employee's Corresponding Types and Casual Analysis)

  • 정재훈;박대영;오주연
    • 대한안전경영과학회지
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    • 제16권4호
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    • pp.215-227
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    • 2014
  • This paper is to investigate the employees' corresponding types and casual analysis. It proposes the legal and practical measures for improvement of Industrial Accident Compensation Insurance's usability. The results from the empirical analysis indicate that (1) 91.4 percent of the respondents feel the necessity of Industrial Accident Compensation Insurance, (2) 67.4 percent of the respondents perceive that Industrial Accident Compensation Insurance is useful, (3) employers' perceptions of the specific items of Industrial Accident Compensation Insurance appears to be low. (4) 35.9 percent of the respondents deal with industrial accidents through other ways such as health insurance and car insurance. The study ends with discussion of the findings and provides several theoretical and managerial implications and recommendations for future research and applications.

국내.외 산업재해 보상보험제도의 비교 고찰 (A Comparative Consideration on the Domestic and Foreign Industrial Accident Compensation Insurance)

  • 김병석
    • 대한안전경영과학회지
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    • 제11권4호
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    • pp.25-33
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    • 2009
  • Since it's first adaptation in Germany in 1884, the industrial accident compensation insurance system has been on the most widely used social security systems, and in was first enforced in Korea in 1964. Today's society has been industrialized and number of business places for workers accident. As the welfare of workers improves in korea, the number of beneficiaries of industrial accident compensation insurance is increasing. Even though such trend is desirable in many respects, there is a growing social problem caused by abnormal insurance claims.

무급가족종사자의 산재보험 적용에 관한 제도연구 (A Study of Institutional in Industrial Accident Compensation Insurance Application for Unpaid Family Worker)

  • 서규석;강경식
    • 대한안전경영과학회:학술대회논문집
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    • 대한안전경영과학회 2009년도 추계학술대회
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    • pp.495-505
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    • 2009
  • Unpaid Family Worker is blind area of industry safety. Danger of industrial accident is some high but because was excepted in industrial accident compensation insurance application. In most case, because paltry Unpaid Family Worker is no opportunity to take safety education to prevent industrial accidents and there are few safety facility and safety equipment, etc., among business, it may be said that probability to suffer industrial accidents on a trifling mistake or carelessness is higher than general worker of business. Consider such difficult actuality of Unpaid Family Worker and our country must give these benefit of industrial accident compensation insurance application, as opened the door of insurance application in recognition of worker position by "Industrial accident compensation insurance Law" to middle·smaller enterprise's business proprietor or special form labor employees.

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