• Journal of Preventive Medicine and Public Health
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• 제42권1호
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• pp.5-11
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• 2009

Objectives : This study was conducted to estimate the socioeconomic cost of injuries in South Korea. Methods : We matched claims data from national health insurance, automobile insurance and industrial accident compensation insurance(IACI), and mortality data obtained from the national statistical office from 2001 to 2003 by patients unique identifier. Socioeconomic cost included both direct cost and indirect cost: the direct cost was injury-related medical expenditure and the indirect cost included loss of productivity due to healthcare utilization and premature death. Results : The socioeconomic cost of injuries in Korea was approximately 1.9% of the GDP from 2001 to 2003. That is, 12.1 trillion KRW(Korean Won) in 2001, 12.3 trillion KRW in 2002, and 13.7 trillion KRW in 2003. In 2003, direct medical costs were 24.6%(3.4 trillion KRW), the costs for loss of productivity by healthcare utilization were 13.0%(1.8 trillion KRW), and the costs for loss of productivity by premature death were 62.4%(8.6 trillion KRW). Conclusions : In this study, the socioeconomic cost of injuries in Korea between 2001 and 2003 was estimated by using not only health insurance claims data, but also automobile insurance, IACI claims and mortality data. We conclude that social efforts are required to reduce the socioeconomic cost of injuries in Korea, which represented approximately 1.9% of the GDP for the time period specified.

• 품질경영학회지
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• 제36권3호
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• pp.66-75
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• 2008

Korean insurance companies recently started to understand that the customer satisfaction can be a critical role affecting sales performance and profit. A number of authors have reported and analyzed service quality factors in the auto insurance. The purpose of this research is to examine influence factors for the customer satisfaction in the auto insurance market. This study is assumed that customer satisfaction factors are composed of prices of service and corporate image as well as service quality factors. 249 questionnaires are gathered and analyzed from persons. The main findings of the empirical study are : First, the influence from prices of service and corporate image is higher than that from service quality factors, Second, repurchase of auto insurance highly correlated to recommendation intention.

• Journal of Acupuncture Research
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• 제33권2호
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• pp.61-76
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• 2016

Objectives : This study was designed to clarify population-social characteristics that influence the utilization patterns of hospitalized patients in a traditional korean hospital, thereby providing clinical data which would help further improvements of traditional korean medical service in particular the Acupuncture and Moxibustion. Methods : We investigated population-social characteristics and annual utilization patterns of all patients who were hospitalized for more than 24 hours in a Korean Medical Hospital from January 2005 to December 2014. The obtained data were recorded in the EMR chart and statistical analysis was performed using SPSS 21.0. Additionally, data from the patients admitted to the department of Acupuncture and Moxibustion were analyzed separately. Results : 1. All inpatients had a significant annual difference in age, gender, hospitalized department, and disease code annually but not in re-hospitalization number. Inpatients of the department of Acupuncture and Moxibustion also varied in their age, gender, and disease code annually, but not in re-hospitalization number. 2. Pearson correlation analysis on all inpatients showed that the mean days of hospital treatments had a negative correlation with all variables except medical care insurance. Total cost, cost per day per person and recuperation cost had a positive correlation with all variables except medical care insurance. There was no meaningful relationship between nonrecuperation cost and the variables. 3. Stepwise multiple regression analysis on all inpatients showed that the mean days of hospital treatments had a negative correlation with all variables except automobile insurance. The total hospitalization costs had a positive correlation with both general insurance and medical care insurance. Cost per day per person and recuperation cost had a positive correlation with the females. There was no meaningful relationship between non-recuperation cost and the variables. 4. Pearson correlation analysis on inpatients of the department of Acupuncture and Moxibustion inpatients showed that the mean days of hospital treatments had a positive correlation with all variables except general insurance and automobile insurance. Total cost and recuperation cost had a positive correlation with all variables except medical care insurance, and cost per day per person had a positive correlation with females and general insurance. There was no meaningful relationship between non-recuperation cost and the variables. 5. Stepwise multiple regression analysis on inpatients of the department of Acupuncture and Moxibustion inpatients, the mean days of hospital treatments, total cost, cost per day per person and recuperation cost had a positive correlation with general insurance. There was no meaningful relationship between non-recuperation cost and the variables. Conclusion : Population-social characteristics of inpatients annually varies, and the change influences the utilization pattern.

• Journal of the Korean Statistical Society
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• 제34권2호
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• pp.99-107
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• 2005

In this paper we consider the asymptotic mean squared error of positive part James-Stein estimators. In the normal-normal example, estimators of the mean squared error of these estimators are provided which are correct asymptotically up to O($m^{-l}$). Asymptotic estimators of the MSE's which correct up to O($m^{-l}$) are also provide. Here, m denotes the number of strata. A simulation study is undertaken to evaluate the performance of these estimators.

• Communications for Statistical Applications and Methods
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• 제23권1호
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• pp.85-91
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• 2016

Aggregate claim amounts with a large claim frequency represent a major concern to automobile insurance companies. In this paper, we show that a new hybrid method to combine the analytical saddlepoint approximation and Monte Carlo simulation can be an efficient computational method. We provide numerical comparisons between the hybrid method and the usual Monte Carlo simulation.

• 무역상무연구
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• 제17권
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• pp.93-125
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• 2002

This paper aims to find a reasonable solvency margin system in non-life insurance industry and also to evaluate the appropriateness of the current solvency margin regulation system in Korea. The current solvency margin system in Korea, based on EU's solvency margin model, was introduced during the 1997 financial crisis. The solvency requirement is not based on non-life insurer's risk, but simply on written premiums. The current solvency margin for general insurance, such as fire, marine, and automobile insurance, is determined by the greater between a premium-based amount and a claim-based amount, where the premium-based solvency margin is calculated by multiplying the net written premium for the preceding year by the premium based solvency margin ratio. Also, the amount of solvency margin for long term insurance is set at 4% of the policy reserve of the long term insurance. Still, there exist many differences between the current solvency margin regulation system in Korea and EU's model. This paper focuses on the rationality of the solvency margin regulation system, and compares the current system in Korea with EU's model and the RBC(Risk Based Capital) system in U.S. and Japan. Finally, this paper suggests a more specific and reasonable solvency margin system to be developed in Korea.

• 한국자동차공학회논문집
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• 제13권6호
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• pp.135-141
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• 2005

Currently many safety assessment tests are conducted by crashing a vehicle against a rigid or deformable barrier. It is quite rational to evaluate crash performance of a vehicle in a barrier test in terms of vehicle stiffness and strength. However, there has been a lot of debate on whether barrier testing is a duplicate of real world crash collisions. One of the issues is car to car compatability. There are two essential subjects in compatability. One is partner-protection when crashing into another vehicle and the other is self-protection when struck by another vehicle. When considering a car to car frontal crash between a mini car and a large heavy car, it is necessary to evaluate human body stiffness of each vehicle. In this study, in order to evaluate the compatability of cars in car-to-car crashes, four tests were conducted. Test speed of each car is 48.3km/h, and the overlap of the mini and large car is $40\%$, and the overlap of the small cars is $100\%$. In all tests, only a drive dummy is used. The test results of the car to car crash test show that vehicle safety standard of mini car is not satisfied compared with large heavy car and HIC value of mini car is higher than large car. In this case observed that the relatively lower stiffness and weight of the mini car resulted in absorbing a large share of the total input energy of the system when crashed into the large heavy car.

• 융합보안논문지
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• 제23권1호
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• pp.89-95
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• 2023

자동차보험 사고 환자의 진료비 감소를 위한 대책 마련에 도움을 주기 위해 본 연구에서는 자동차보험 사고 40대~50대 경상 환자들의 진료비에 가장 핵심 요소인 진료 기간을 예측하고 진료 기간에 영향을 미치는 요인을 분석하였다. 이를 위해 Decision Tree 등 5개 알고리즘을 활용한 머신러닝 모델을 생성하고 모델간에 그 성능을 비교·분석하였다. 진료 기간 예측에 정밀도, 재현율, FI 점수 등 3가지 평가 지표에서 좋은 성능을 나타낸 알고리즘은 Decision Tree, Gradient Boosting 및 XGBoost 등 3가지였다. 그리고 진료 기간 예측에 영향을 미치는 요인 분석 결과, 병원의 종류, 진료 지역, 나이, 성별 등으로 나타났다. 본 연구를 통해 AutoML을 활용한 손쉬운 연구 방법을 제시하였으며, 본 연구 결과가 자동차보험 사고 진료비 경감을 위한 정책에 도움이 되기를 기대한다.

• 한국정보통신학회논문지
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• 제16권9호
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• pp.1923-1930
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• 2012

본 논문은 대한민국의 '자동차 요일제 특별계약'에서 사용 중인 기존 운행정보 시스템에서 사용자(보험 계약자)가 OBD 단말기(개인용 운행정보확인장치) 설치 중 잦은 탈착 과정에서 발생하는 문제점들을 해결하고자, 스마트폰과 WPAN(Wireless Personal Area Network)을 이용하여 무선으로 운행정보를 보내 탈착 과정을 생략할 수 있는 자동차 운행정보 시스템설계에 관한 연구내용을 다룬다.

• 디지털융복합연구
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• 제10권5호
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• pp.67-78
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• 2012

최근 온라인 자동차보험에 대한 고객의 관심이 급증하고 있다. 그 이유는 경제성 측면에서 온라인 자동차보험이 소비자들에게 유용성을 제공해주기 때문이다. 오프라인에서 판매하는 자동차보험은 서비스 상품으로 온라인에서 판매하는 자동차보험 상품에 비해 상대적으로 높은 가격을 형성하고 있다. 이러한 특징에 힘입어 가격이 저렴한 온라인 자동차보험은 소비자들에게 큰 인기를 얻고 있다. 그렇기 때문에 소비자들은 온라인 자동차보험 상품 가격에 많은 관심을 가지고 있고, 자동차보험 상품 구입에 신중한 선택을 하고 있다. 본 연구에서는 소비자들이 온라인 자동차보험에 대해 느끼는 인지된 이익과 가격 수용성을 중심으로 $2{\times}2$ 매트릭스로 구성해 온라인 자동차보험 고객군을 온라인 수용형, 경제성 추구형, 편리 추구형, 신중 접근형으로 구분하였다. 이에 따라 본 연구에서는 온라인 자동차보험 웹사이트의 인지된 이용 용이성, 유용성, 태도, 구매의도에 사이의 관계를 분석하였다. 본 연구결과는 온라인에서 자동차보험 상품을 판매하는 기업들에게 소비자의 온라인 자동차보험 구매의도를 강화하기 위한 고객관계관리 전략 수립에 있어 유용한 시사점을 제공해 줄 것이다.