• Title/Summary/Keyword: Claim frequencies

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Efficient simulation using saddlepoint approximation for aggregate losses with large frequencies

  • Cho, Jae-Rin;Ha, Hyung-Tae
    • Communications for Statistical Applications and Methods
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    • v.23 no.1
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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.

Change of Medical Utilization Claims in Self-employees before and aster the Economic Crisis in Korea (IMF 경제위기 전.후 지역의료보험가입자들의 진료비 청구내용의 변화)

  • Lee, Sin-Jae;Jhang, Won-Ki;Choi, Soon-Ae;Lee, Sang-Yi;Kim, Nam-Soon;Jeong, Baek-Geun;Moon, Ok-Ryun
    • Journal of Preventive Medicine and Public Health
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    • v.34 no.1
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    • pp.28-34
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    • 2001
  • Objectives : To investigate the changing pattern of medical utilization claims following the economic crisis in Korea. Methods : The original data consisted of the claims of the 'Medical insurance program of self-employees' between 1997 and 1998. The data was selected by medical treatment day ranging between 8 January and 30 June. Medical utilizations were calculated each year by the frequency of claims, visit days for outpatients, length of stay for inpatients, total days of medication, and the sum of expenses. Results : The length of stay as an inpatient in 1998 was decreased 4.7 percent in comparison to 1997. However, inpatient expenses in 1998 increased 10.8 percent as compared to 1997. Inpatient hospital claims in 1998 increased 6.2 percent over 1997, although general hospital inpatient claims in 1998 decreased 3.3 percent in comparison to 1997. The outpatient claim frequency decreased 7.3 in 1998 percent as compared to 1997 Outpatient visit days of in 1998 were decreased 8.5 percent in comparison to that recorded in 1997. Outpatient claim frequencies of 'gu region' in 1998 decreased 10.5 percent comparison to that in 1997, but 'city and gun region' decreased less than 'gu region'. Conclusions : Medical utilization in 1998 deceased in relation to 1997 Medical utilization by outpatients decreased more than that of inpatients. Medical utilization by 'gu region' decreased mere than the other regions.

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A study on the credibility estimation model for the indurance experience rate-making (보험 경험요율산정을 위한 신뢰도 추정모형 연구)

  • 강정혁;양원섭
    • Korean Management Science Review
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    • v.11 no.3
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    • pp.153-167
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    • 1994
  • Credibility theory has provided with a useful tool the assignment of weighting factor that reflects the credibility of the observed individual and collective experience to secure fair experience rate-,making. We review credibility models which can effectively estimate risk premiums using credibility theory, and suggest an empirical Bayed model based on the collective statistics to estimate the structural parameters. To illustrate the use of evolutionary models, the models are applied to the actual data, such as loss ratio, claim frequencies and severity, in the Korean automobile insurance. Also the possibilities of generalizations and applications of empirical models are discussed.

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A Study on English Reduced Vowels Produced by Korean Learners and Native Speakers of English (한국인 영어학습자와 영어원어민이 발화한 영어 약화모음에 관한 연구)

  • Shin, Seung-Hoon;Yoon, Nam-Hee;Yoon, Kyu-Chul
    • Phonetics and Speech Sciences
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    • v.3 no.4
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    • pp.45-53
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    • 2011
  • Flemming and Johnson (2007) claim that there is a fundamental distinction between the mid central vowel [ə] and the high central vowel [?] in that [ə] occurs in an unstressed word-final position while [?] appears elsewhere. Compared to English counterparts, Korean [ə] and [?] are full vowels and they have phonemic contrast. The purpose of this paper is to explore the acoustic quality of two English reduced vowels produced by Korean learners and native speakers of English in terms of their two formant frequencies. Sixteen Korean learners of English and six native speakers of English produced four types of English words and two types of Korean words with different phonological and morphological patterns. The results show that Korean learners of English produced the two reduced vowels of English and their Korean counterparts differently in Korean and English words.

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A Comparative Study of Korean and French Vowel Systems -An Experimental Phonetic and Phonological Perspective-

  • Kim, Seon-Jung;Lee, Eun-Yung
    • Speech Sciences
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    • v.8 no.1
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    • pp.53-66
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    • 2001
  • This paper aims to investigate the acoustic characteristics of the vowels attested in Korean and French and to seek a way of understanding them from a phonological point of view. We first compare the two vowel systems by measuring the actual frequencies of the formants using CSL. It is shown that the first and second formants vary in wider range in French compared to Korean. In order to understand the two vowel systems from a phonological point of view, we apply the theory of Licensing Constraints, proposed and developed by Kaye (1994), and Charette and Kaye (1994). We propose the licensing constraints placed upon the vowels both in Korean and French. For Korean, we propose the licensing constraints such that both elements I and U must be heads. For French, we claim the following licensing constraints: U in a headed expression must be head, A cannot be head, and Nothing can only license an expression A in it.

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The effects of low level laser radiation on bacterial growth

  • Chung, Wendy;Petrofsky, Jerrold S.;Laymon, Michael;Logoluso, Jason;Park, Joon;Lee, Judy;Lee, Haneul
    • Physical Therapy Rehabilitation Science
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    • v.3 no.1
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    • pp.20-26
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    • 2014
  • Objective: The low level lasers currently in the market vary in wavelength, dosage, and frequency. These devices are used with much different clinical pathology. Most notably, some studies claim that wounds heal faster with low level laser therapy due to the fact that bacteria commonly found in wounds are killed by laser light. Systemic and meta-analysis studies found the difficulty of comparison of numerous research studies because of differences in the intensities and frequencies of low level laser treatment (LLLT). The purpose of this study was to determine the effectiveness of LLLT on controlling bacterial growth. Design: Cross-sectional study. Methods: Variables included LLLT dosage and wavelength on 3 bacteria commonly seen in wounds, strains of Staphylococcus aureus, Escherichia coli, and Pseudomonas aeruginosa were used on commercially available 5.0-cm agar plates. Blue, green, and red, ultraviolet (UV) and infrared laser light sources were adjusted to either low or high intensity settings. Five Petri dishes at a time were placed directly beneath laser light sources with the exception of UV which was placed six inches below the suspended light and infrared which was placed directly on top of the Petri dish lid. Each group of five Petri dishes was irradiated for 15 minutes. Results: The results showed no effect of any of 9 different LLLT intensities or colors on bacteria growth compared to sham light. Conclusions: At least for claims of bacterial growth inhibition with LLLT, no support for this claim can be found here.

Chimeric RNAs as potential biomarkers for tumor diagnosis

  • Zhou, Jianhua;Liao, Joshua;Zheng, Xuexiu;Shen, Haihong
    • BMB Reports
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    • v.45 no.3
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    • pp.133-140
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    • 2012
  • Cancers claim millions of lives each year. Early detection that can enable a higher chance of cure is of paramount importance to cancer patients. However, diagnostic tools for many forms of tumors have been lacking. Over the last few years, studies of chimeric RNAs as biomarkers have emerged. Numerous reports using bioinformatics and screening methodologies have described more than 30,000 expressed sequence tags (EST) or cDNA sequences as putative chimeric RNAs. While cancer cells have been well known to contain fusion genes derived from chromosomal translocations, rearrangements or deletions, recent studies suggest that trans-splicing in cells may be another source of chimeric RNA production. Unlike cis-splicing, trans-splicing takes place between two pre-mRNA molecules, which are in most cases derived from two different genes, generating a chimeric non-co-linear RNA. It is possible that trans-splicing occurs in normal cells at high frequencies but the resulting chimeric RNAs exist only at low levels. However the levels of certain RNA chimeras may be elevated in cancers, leading to the formation of fusion genes. In light of the fact that chimeric RNAs have been shown to be overrepresented in various tumors, studies of the mechanisms that produce chimeric RNAs and identification of signature RNA chimeras as biomarkers present an opportunity for the development of diagnoses for early tumor detection.

On Effective Slack Reclamation in Task Scheduling for Energy Reduction

  • Lee, Young-Choon;Zomaya, Albert Y.
    • Journal of Information Processing Systems
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    • v.5 no.4
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    • pp.175-186
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    • 2009
  • Power consumed by modern computer systems, particularly servers in data centers has almost reached an unacceptable level. However, their energy consumption is often not justifiable when their utilization is considered; that is, they tend to consume more energy than needed for their computing related jobs. Task scheduling in distributed computing systems (DCSs) can play a crucial role in increasing utilization; this will lead to the reduction in energy consumption. In this paper, we address the problem of scheduling precedence-constrained parallel applications in DCSs, and present two energy- conscious scheduling algorithms. Our scheduling algorithms adopt dynamic voltage and frequency scaling (DVFS) to minimize energy consumption. DVFS, as an efficient power management technology, has been increasingly integrated into many recent commodity processors. DVFS enables these processors to operate with different voltage supply levels at the expense of sacrificing clock frequencies. In the context of scheduling, this multiple voltage facility implies that there is a trade-off between the quality of schedules and energy consumption. Our algorithms effectively balance these two performance goals using a novel objective function and its variant, which take into account both goals; this claim is verified by the results obtained from our extensive comparative evaluation study.

Comparative Study on the Empathic Ability Between Nursing and Non-Nursing Students (간호계 학생과 비간호계 학생의 감정이입 능력에 관한 연구)

  • Choi Sun Ha
    • Journal of Korean Public Health Nursing
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    • v.1 no.1
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    • pp.62-74
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    • 1987
  • The term 'nursing' is often defined as a therapeutic and interpersonal process that ultimately functions to help clients. In the process of helping, empathic ability(ability to entering into the another's feeling or motives) is an essential factor that has been proved in the fields of psychology and social psychology. In the sense, nursing personnel with high level of empathy is required to accomplish the comprehensive nursing. The purpose of this study was (1) to investigate empathy between nursing and non-nursing students, (2) to examine changes of empathic ability in accordance with their academic years, and (3) to show relationships, if any, between the two concepts, empathy and need-affiliation. For the survey, 325 respondents for nursing department and 378 from non-nursing departments were randomly selected from the two universities in Seoul. The instruments used in this questionaire survey method were Hogan's Empathy Scale and Mehrabian's Need-Affiliation Scale, each of them has established its validity and reliability in many different people and settings. For the analysis, descriptive stative statistics were mostly used by calculating frequencies, percentages and mean scores. T-test, analysis of variance and correlation coefficient were employed to test the differences and the statistical significance. The results of this study are summarized as follows: (1) There was no significant difference in empathic ability detween the nursing and non-nursing student (2) The levels of empathy among the nursing students, 'surprisingly enough, were negatively correlated with their academic years, even though statistical significations was not found. The scores of the empathy are somewhat dropped as academic year going up. (3) No significant relationship was revealed between empathy and need-affiliation. In conclusion, the results of the study repeatedly support the claim that the nursing education must empathize and, also, include the programs that enable nursing students to develop the ability of empathy for their clients.

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Nationwide Analysis of Treatment Patterns for Korean Breast Cancer Survivors Using National Health Insurance Service Data

  • Chung, Il Yong;Lee, Jihyoun;Park, Suyeon;Lee, Jong Won;Youn, Hyun Jo;Hong, Jung Hwa;Hur, Ho
    • Journal of Korean Medical Science
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    • v.33 no.44
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    • pp.276.1-276.10
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    • 2018
  • Background: The National Health Insurance Service (NHIS) established a healthcare claim database for all Korean citizens. This study aimed to analyze the NHIS data and investigate the patterns of breast cancer treatments. Methods: We constructed a retrospective female breast cancer cohort by analyzing annual incident cases. The annual number of newly diagnosed female breast cancer was compared between the NHIS data and Korea National Cancer Incidence Database (KNCIDB). The annual treatment patterns including surgery, chemotherapy, radiation therapy, endocrine therapy and targeted therapy were analyzed. Results: A total of 148,322 women with newly diagnosed invasive breast cancer during 2006-2014 was identified. The numbers of newly diagnosed invasive breast cancer cases were similar between the NHIS data and KNCIDB, which demonstrated a strong correlation (r = 0.995; P < 0.001). The age distribution of the breast cancer cases in the NHIS data and KNCIDB also showed a strong correlation (r = 1.000; P < 0.001). About 85% of newly diagnosed breast cancer patients underwent operations. Although the proportions of chemotherapy use have not changed during 2006-2014, the total number of chemotherapy prescriptions sharply increased during this period. The proportions of radiotherapy and anti-hormonal therapy increased. Among the anti-hormonal agents, tamoxifen was the most frequently prescribed medication, and letrozole was the most preferred endocrine treatment in patients aged ${\geq}50$ years. Conclusion: Along with the increased breast cancer incidence in Korea, the frequencies of breast cancer treatments have increased. The NHIS data can be a feasible data source for future research.