• 제목/요약/키워드: Critical Insurance

검색결과 137건 처리시간 0.028초

CI보험중 '중대한 암'(Critical cancer)의 정의에 관한 Medical Underwriting의 제한적요소에 관한 고찰 (The limitation of Medical Underwriting on the definition of Critical cancer in Critical Insurance)

  • 정헌종
    • 보험의학회지
    • /
    • 제25권
    • /
    • pp.63-77
    • /
    • 2006
  • 국내 CI보험에서 정의한 '중대한 암'이란 용어는 의학적인 '암'의 정의보다는 다소 보험적인 의미를 가진 암으로 정의되고 있다. 따라서 의학적으로 정의된 암과 다른 보험적인 의미에서 암을 정의함에 따라 의료인이나 일반인이 생각하고 있는 암의 정의와 다른 개념의 차이로 보험사와 계약자간의 Medical Underwriting에서 많은 문제점이 있을 것으로 판단되었다. 이처럼 CI보험에서 정의한 '중대한 암'의 정의가 의학적 정의된 '암'과의 차이로 보험사와 계약자간의 분쟁의 소지가 될 수 있는 '중대한 암'의 Medical Underwriting의 제한적 요소로는 제I항의 정의에서 1) '암'과 '중대한 암'의 정의에 차이에 따른 보험사, 계약자, 의료인의 입장에서 본 제한적 요소 2) "악성신생물분류표"가 가지는 의미에 관한 제한적 요소 3) '중대한 암'과 '고액치료비 암'의 용어에 대한 제한적 요소를 고찰하였다. 제II항의 정의에서는 1) 암성의 변화에 따른 제한적요소 2)악성병변 부위가 국한된 경우 병리조직검사에서 악성으로 나타나지 않은 경우의 제한적 요소 3) 병원간 병리조직 검사결과의 차이에 따른 제한적 요소에 관해 고찰하였다. 제III항의 정의에서는 1) 하위조항이 상위조항에 위배되는 경우의 제한적 요소 2) 임상적 악성에 대한 제한적 요소를 고찰하였다. 그 외에도 '중대한 암'에서 제외되는 암으로 1)악성흑색종에서 침범정도가 낮은 경우 2) 초기전립샘 암 3) HIV에 관련된 악성종양 4) 악성흑색종을 제외한 모든 피부암들에 대한 제한적인 요소 5) 양성종양,전암병소,상피내암,경계성종양 등이 임상적으로 '중대한 암'으로 인정되는 경우와 진단서 작성에서의 제한적 요소를 고찰하여 '중대한 암'에 대한 Medical Underwriting의 문제점을 파악하였다.

  • PDF

전자상거래 위험관리 방안에 관한 연구 - 보험제도를 중심으로 - (A Study on the Risk Management in the Electronic Commerce - Focus in Insurance System -)

  • 라공우;민태홍
    • 무역상무연구
    • /
    • 제27권
    • /
    • pp.99-127
    • /
    • 2005
  • This research can be summarized as follows: a. It provides the means how to manage risks in the electronic commerce with a focus on the insurance by which to transfer the risks to the third person. b. Since there are few preceding studies on the insurance of electronic commerce, further studies on the insurance stipulations about coverage and exclusions are needed. c. The risks in the electronic commerce are critical to the businessmen and the insurance can protect them from the perils and activate the electronic commerce. d. Inter-governmental and inter-organizational cooperations are needed to enact the unified international insurance clause. Researches on the electronic insurance should be vitalized for more objective analysis. A positive study needs a close survey on the individual and the business concerned, the insurance company, and the policy authorities, which will make it possible to adjust the coverage and exclusion and assess an optimum insurance rate.

  • PDF

국내 의료기관의 표준진료지침 개발 및 운영 현황 (Status of the Development and Utilization of Critical Pathways in Medical Institutions in South Korea)

  • 오인옥;장태익;김현진;한정미;이천균
    • 한국의료질향상학회지
    • /
    • 제28권1호
    • /
    • pp.2-13
    • /
    • 2022
  • Purpose: This study assessed the status of the Development and Utilization of critical pathways (CP) in South Korea. Methods: We surveyed 195 hospitals obtained on the Korean Hospital Association website. Data were collected using structured questionnaires for staff members in charge of CP management personnel in these hospitals. The questionnaire included CP developed by the institutions, the coverage rates and completion rates of CP in the current year, and management indicators related to CP. The questionnaire also included CP support systems and content within the institutions and questions regarding the advantages of CP utilization and obstacles associated with the CP development process. Results: Analysis of the responses from 70 hospitals (35.9% response rate) showed that a total of 1,370 CP sets were developed. The number of CP related to surgery departments was 365 (26.6%), and CP related to surgery and procedure was 1,093 (79.8%), respectively. The CP coverage rate was the most frequently used indicator to monitor the effect of CP (97.1%), followed by the completion rate (90.0%) and the length of stay in hospital (61.4%). CP managers reported that CP were highly useful for communication (3.39±0.493) and accurate information provision (3.39±0.491). The perception that CP violated doctors' autonomy in treatment was relatively low (2.87±0.645). Conclusion: It is necessary to establish an infrastructure in hospitals for CP. CP can facilitate communication and provide accurate information.

Evaluation of Appropriate Management of Chronic Obstructive Pulmonary Disease in Korea: Based on Health Insurance Review and Assessment Service (HIRA) Claims

  • Chung, Sang Mi;Lee, Sung Yong
    • Tuberculosis and Respiratory Diseases
    • /
    • 제80권3호
    • /
    • pp.241-246
    • /
    • 2017
  • Chronic obstructive pulmonary disease (COPD) is an ambulatory care-sensitive condition, and effective treatment of outpatients can prevent worsening of the illness and hospitalization. Current COPD guidelines provide appropriate guidance for the diagnosis and treatment of patients with COPD. In fact, it has been shown that when appropriate guidance and treatment are performed, the morbidity and mortality rates of COPD patients are reduced. However, there is a gap between the clinical guidelines and the actual clinical treatment. Therefore, the Health Insurance Review and Assessment Service (HIRA) conducted an evaluation of the adequacy of COPD diagnosis and treatment using the Claims Database of HIRA. This review provides a summary of the COPD adequacy assessment results reported by the HIRA and some brief comments on the results.

중환자실에서 전문간호사가 제공하는 교육상담의 국민건강보험 급여화에 대한 일반인의 인식조사 연구 (Public's Perception of Reimbursement for Advanced Practice Nurses' Education and Counseling in Intensive Care Units by the National Health Insurance)

  • 고정미
    • 중환자간호학회지
    • /
    • 제11권3호
    • /
    • pp.95-107
    • /
    • 2018
  • Purpose : This study aimed to investigate the public's perception of reimbursement for the education and counseling services provided to advanced practice nurses in intensive care units. Method : This was a secondary data analysis study. The original data were collected utilizing an online panel. The sample comprised 615 individuals aged between 19 and 49 years nationwide. The study variables included the public's perception of reimbursement for education and counseling services, age, gender, education level, income, and health status. Variables such as past experience of being admitted to an intensive care unit by self, family, or relatives and the recognition of advanced practice nurses were also examined. Results : The mean of the perception score was 3.15 on a 4-point scale ranging from 1 (strongly disagree) to 4 (strongly agree). Among the participants, 89.2% answered "somewhat agreed" or "strongly agreed" to the question about the education and counseling services being covered by the National Health Insurance. Moreover, education level, past experience of being admitted to an intensive care unit by self, family, or relatives, and recognition of advanced practice nurses were significantly associated with the perception score. Conclusion : Efforts should be made to publicize the need for the education and counseling services that are provided to advanced practice nurses in intensive care units.

종합전문요양기관과 종합병원의 선택진료 결정요인 (Determinants of selecting a doctor in specialized medical institutions and general hospitals)

  • 안병기;박재용
    • 보건행정학회지
    • /
    • 제21권4호
    • /
    • pp.599-616
    • /
    • 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.

자동차보험시장에서 고객만족의 영향요인에 관한 연구 (A Study on Influence Factors for the Customer Satisfaction in the Automobile Insurance Market)

  • 이인식
    • 품질경영학회지
    • /
    • 제36권3호
    • /
    • pp.66-75
    • /
    • 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.