• 한국안전학회지
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• 제32권3호
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• pp.151-159
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• 2017

This study deals with characteristics and risk of a PM based on user survey result, road driving test and data analysis of PM accident. Text mining method is applied to extract PM accident data from Big Data, which are claim data of private insurance company. Road driving test and survey on safety, convenience, noise, overtake ability, steering ability, and climbing ability of PM are performed to evaluate user's safety and convenience considering domestic road condition. As the result of claim data analysis, annual average increase rate of PM accident is 47.4% and average compensation of personal mobility is higher than that of bicycle by maximum 1.5 times. 79.8% of PM accident is self-caused accident due to unskilled driving and age-specific diagnosis rate of driver over 60 is higher than that of under 60. Diagnosis rate of over 60 at lower limb, foot, rib and spine is especially higher than that of under 60. As the result of road driving test and user survey, satisfaction level on safety and convenience of PM is evaluated as close to that of bicycle and satisfaction level of PM is increased after boarding. Overtake ability, steering ability, and climbing ability of PM are evaluated as same or better than that of bicycle but warning equipment to pedestrian or bike such as horn is required because noise level of PM during driving is too low. Finally, user survey result shows that bicycle road is suitable for PM and safety standard, advance-education and insurance are required for PM. It is suggested that drivers' license for PM can be replaced by advance-education. Results of this study can be used to prepare safety measures and legal basis for PM operation.

• 산업경영시스템학회지
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• 제20권44호
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• pp.163-169
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• 1997

Due to the increasing of the number of cars and bad road conditions, car accidens are increasing every you in Korea. When a person meets a car accident, it is necessary for him to analyze and determine whether applying insurance or not, because standard discount rate and special increasing rate change with accident types and the amount of accident expenditure. When we consider insurance rate that includes more then ten elements, we need a decision making, In this paper, S insurance company investigated previous car causers in 1988, 1989, 1990 to 1996 with 600,000 real data. We investigate probability density functions and cumulative distribution functions for each year using ARENA software. We can apply the results of this study to various accidents that occur under uncertainty in our life. I hope that this paper contribute to strengthening competitive power of companies and developing new insurance rate systems in future.

• 정보처리학회논문지:컴퓨터 및 통신 시스템
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• 제9권4호
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• pp.89-100
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• 2020

최근 보험 처리과정에서 소용되는 시간과 비용을 절감하고자, 자동차 보험에 블록체인 스마트 컨트랙트 기술을 도입하는 연구들이 활발하다. 그러나 기존의 연구들은 사고를 입증하기에 미흡한 수준의 교통 사고관련 데이터의 활용으로 악의적인 보험자의 사고 위조, 손상 확대 등의 보험사기 위협에 노출되어 있다. 이를 해결하고자, 본 논문에서는 자동차에 탑재된 센서, RSU, IoT 기기 등을 통한 다양한 종류의 데이터와 차량용 스마트 컨트랙트를 이용하여 사고데이터 기반 신뢰도 산정 모델을 제안한다. 특히 교통사고 데이터의 종류 및 상태에 따라 가중치를 달리하고, 다양한 사고 상황에 따라 학습되는 신뢰도 산정 모델을 고려하여 회귀모델을 적용했다. 제안 모델은 보험 처리과정의 투명성, 보험 처리 과정의 간소화와 같은 기존 장점을 유지하며 효과적인 보험사기 차단, 보험 소송의 감소의 효과를 보일 것으로 기대된다.

• 한국직업건강간호학회지
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• 제9권1호
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• pp.18-29
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• 2000

Back injury is frequent in industry workers and is a common cause of productivity loss. It has been reported that the insured of industrial accident insurance tend to stay in hospital longer than that of other types of insurance. The purpose of this study was to identify factors affecting the length of hospital stay for the treatment of back injury in the workers under industrial accident insurance. The results of this study help insurers develop reasonable industrial accident insurance policy for back injury claims and prevention strategies of work-related back injury. A total of 2,949 patients whose industrial accident insurance claim has been approved for the treatment of work-related back injury from January to December 1999 were included in this study. Relationship between the length of hospital stay and characteristics of patient, work place, back injury, and hospital were assessed using ANOVA, t-test, simple linear regression and multiple resgression. The major findings of this study are as follows : 1. The average length of hospital stay(LOS) was 91.82 days, respectively. 2. Characteristics of Patient LOS of male patients was longer than that of female patients, there was positive correlation between age and LOS and between average wage and LOS. Working period was negatively correlated with LOS. Distance from resident to hospital was positively correlated with LOS and LOS was significantly different dependign on type of duty. 3. Characteristics of Work Place LOS was significantly different depending on types of industry and geographical region of work place. Size of work place was positively correlated with LOS. 4. Characteristics of Back Injury Occupational back pain required shorter LOS compared with back injury due to electric shock. Number of concomitant illnesses and severity of disability were positively correlated with LOS. 5. Characteristics of Hospital Patients treated in community hospitals required significantly longer LOS. Treatment in hospitals with rehabilitation program required decreased LOS. This was more prominent as number of physicians specialized in rehabilitation. 6. Multiple regression analysis revealed that distance form resident to hospital, geographical region of work place, size of work place, number of concomitant illnesses, severity of disability, and type of hospital were factors affecting LOS.

• Journal of Acupuncture Research
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• 제26권3호
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• pp.1-10
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• 2009

Objectives : The main purpose of this Survey is to make a research on the actual condition of Automobile insurance system in oriental medical care. Methods : In this research, we surveyed 544 patients of traffic accident who were visited oriental medical clinic or hospital in Daegu, Korea from January, 1, 2008 to December, 31, 2008 according to medical chart. They made up Questionnaire about sex, age, pattern of accidents, days to visit oriental medical clinic, motivation to visiting clinic, damaged part of the body, chief complaint, treatment given to them, medication, tests, days of treatment and the effect. Results : The patients visited oriental medical clinic or hospital were fewer numbers from most of traffic accident patients. And most of their symptoms were light and the treatment and test of oriental medicine was limited for them because of automobile insurance limitation. Conclusions : For this study, we confirmed a possibility for the treatment of traffic accident patients in oriental medical treatment. Still, we needs to expend the boundary of treatment and to come into application of insurance.

• Safety and Health at Work
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• 제9권2호
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• pp.140-143
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• 2018

Background: The Occupational Safety and Health Monitoring and Assessment Tool (OSH-MAT) is a practical instrument that is currently used in the German woodworking and metalworking industries to monitor safety conditions at workplaces. The 12-item scoring system has three subscales rating technical, organizational, and personnel-related conditions in a company. Each item has a rating value ranging from 1 to 9, with higher values indicating higher standard of safety conditions. Methods: The reliability of this instrument was evaluated in a cross-sectional survey among 128 companies and its validity among 30,514 companies. The inter-rater reliability of the instrument was examined independently and simultaneously by two well-trained safety engineers. Agreement between the double ratings was quantified by the intraclass correlation coefficient and absolute agreement of the rating values. The content validity of the OSH-MAT was evaluated by quantifying the association between OSH-MAT values and 5-year average injury rates by Poisson regression analysis adjusted for the size of the companies and industrial sectors. The construct validity of OSH-MAT was examined by principle component factor analysis. Results: Our analysis indicated good to very good inter-rater reliability (intraclass correlation coefficient = 0.64-0.74) of OSH-MAT values with an absolute agreement of between 72% and 81%. Factor analysis identified three component subscales that met exactly the structure theory of this instrument. The Poisson regression analysis demonstrated a statistically significant exposure-response relationship between OSH-MAT values and the 5-year average injury rates. Conclusion: These analyses indicate that OSH-MAT is a valid and reliable instrument that can be used effectively to monitor safety conditions at workplaces.

• 수산해양교육연구
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• 제26권5호
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• pp.1044-1057
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• 2014

This study has seen about a indemnity system of fishery damage by natural disasters such as a problem and improvement methods of government aid system and system on accident insurance for cultured fishery products. Recently, in the situation that the demage of aquaculture industry caused by frequent typhoon resulted from global warming and abnormal changed of weather is nasty, the accident insurance for cultured fishery products is necessary to show its true quality and to protect fishers against natural disasters owing to the limitation of government's aid for them. However, The objects of accident insurance for cultured fishery products which is progress on, is too short to apply, so that it is absolutely insufficient to fulfill the demands of culturing fishermen. Therefore, It could be a certain preparation to magnify the range of object items of it and to convert the trial industry being adjusted to limited area into full scale industry to adjust over all nationally. Furthermore, This insurance is complicated and strict to join rather than other insurances. As it can be seen by examples that got in trouble, despite culturing fishermen applied to join the insurance, they took all demage because the insurance was not realized. So, It is hard to say that causes impute the responsibility of it to the authority of insurance, not culturing fishery. They should simplify the registration process, limit the period each registration process and consider a countermeasure to complete it. Concerning compensation for the loss, agriculture part is easier to investigate the loss due to remained dead crop damaged by natural disaster, meanwhile, in fishing part, especially in case of cultivation of fish, it is difficult to investigate the loss and demage because crops are blown all together with typhoon when it comes plus the facilities of them are also very old. Consequently to solve the problem needs more positive attitude as it is policy insurance.

• 한국자동차공학회논문집
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• 제22권1호
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• pp.46-51
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• 2014

2,097 deaths out of 5,229 by traffic accident occurred by vehicle to vehicle crash and 855 deaths out of 2,097 occurred at side crash in 2011. Korean government adopted New Car Assessment Program to reduce the wounded and deaths at traffic accident in 1999 and side impact test has been added in 2003. 43 out of 53 vehicles tested in NCAP side impact rated 4 and 5 stars means the highest occupant protection. In this study three small class vehicles have been tested according to Insurance Institute for Highway Safety's side crashworthiness test protocol. IIHS test protocol uses 1,500kg moving barrier rather than NCAP's 950kg and the occupant protection rated Good, Acceptable, Marginal and Poor based on injury measure, structural integrity and head protection.

• 산경연구논집
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• 제8권6호
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• pp.25-31
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• 2017

Purpose - This study examines car accidents that occurred in South Korea territory, and analyzes criminal liability of the offender and certain issues of driver's insurance, but a civil liability to the injured is excluded as civil liability belongs to auto insurance. Research design, data, and methodology - With carrying out this research, case study of driver's liability and literature review were adopted throughout. For this, car accidents that occurred in South Korean territory were examined and then criminal liability of the offender and certain issues of driver's insurance were analyzed. Results - From this case study on driver's liability it was found that the offender cannot receive insurance money from the insurer irrespective of the valid drive insurance, if there is no 'bill of agreement of criminal consensus'. This study suggests some ideas, offers suggestions of convenience and assistance of qualified claim staff to overcome a hurdle of drive insurance. Conclusions - As long as the accident is not a fraud and scam by the parties concerned, advance payment of agreement of criminal consensus is required to the insured, the policy holder within the limit of liability of driver insurance, on condition that the drive insurance is valid.

• 보건행정학회지
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• 제21권4호
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• pp.599-616
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• 2011

This research was performed to investigate the determination factors of medical service to cover the fee for selecting a doctor which is one of the most important causes of debilitating national health insurance in Korea. Data was from Korea Health Panel and analyzed by Dutton(1986)'s medical service model which was an extended Anderson Model and was widely used in the researches on determination factors of medical service. The results were as follows; In the determinants of selecting a doctor in specialized medical institutions and general hospitals, patients with serious diseases selected doctors more often than other patients. By industrial accident compensation insurance law and enforcement ordinances, insurance covers the fee of selecting a doctor in the hospitals appointed by Labor Welfare Corporation for the patients in critical conditions under industrial accident compensation insurance, while health insurance patients pay the fee themselves for selecting a doctor in all cases. It is suggested that patients with serious diseases proved by medical opinion be provided with health care insurance in selecting a doctor and that the health insurance benefit coverage be enhanced by staged lowering of patient's cost-sharing.