• The Journal of the Korean life insurance medical association
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• v.26
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• pp.31-39
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• 2007

Background and main issue: In the Korean insurance market, an outstanding issue is the decrease of margin of risk ratio. This affects the solvency and profitability of insurance companies. Insurance medicine, which has been developed in Western countries, is so-called medical risk selection or medical underwriting. Medical risk selection is based on clinical follow-up study and mortality analysis methodology. Unfortunately, there have been few clinical follow-up studies, and no intercompany disease analysis system is available in the Korean insurance market. In practice, we use underwriting guidelines, which were developed by some global reinsurance companies. However, these guidelines were developed under clinical follow-up studies performed abroad. So, we cannot rule out underestimation of excess mortality factors such as mortality ratio, excess death rate, and life expectancy. It is necessary to perform medical assessment in claims administration. Comparing the insured's statement by medical records with products' benefit according to this procedure, we can make sound claim decisions and participate in the role of sound underwriting. We can call this scientific procedure as the verification of medical claims review. Another area of medical claims review is medical counsel for claims staff. Result: There is another insurance medicine in addition to medical risk selection. Independent medical assessment by medical records of insured is medical claims review. Medical claims review is composed of verification and counsel.

• Journal of Korean Society on Water Environment
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• v.22 no.6
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• pp.1107-1108
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• 2006

As expanding municipal and industrial areas since started the economic development plan in earnest in 1970's, the water resource, mainly river surface water has been seriously polluted. Nevertheless, being upgraded in their treatment technologies for the drinking water, the safety has been issued one of crucially social problem in Korea. The water authorities has tried to improve the quality such as amending the drinking water quality standard to be monitored; hazardous chemicals and microorganis have been added and now 55 items, before 47 items, since in 2002. The Water Authorities of Seoul, the capital city of Korea, planned to assess the safty of drinking water quality after amended the standard. This study was conducted to assess the risk due to polluted chemicals including 21 heavy metals, VOCs, pesticides, PAHs, DBPs and organic chemicals among the regulated items. The risk assessment were undertaken hazard identification, exposure assessment, dose-response assessment and risk characterization. For the exposoure assessment, tap water, bottled water and purified water were sampled and analyzed in February, 2004. Risk characterization of detected chemicals was categorized into carcinogenecity and noncarcinogenecity, and estimated the excess of carcinogens and compapared with the reference dose (RfD) of noncarcinogenns. The excess risk of carcinogens from samples were considered comparatively in the acceptable levels; $10^{-6}$ for cancer risk and hazard quotient (HQ) 1.0 for noncancer risk. The deteced levels were estimated in $10^{-5}{\sim}10^{-6}$ of cancer risk and below 1.0 of HQ of noncancer risk. While three kinds of water were determined within the acceptal levels, DBPs were detected in tap water and purified were and some undesireable chemicals such as more fluoride detected rather than the quality stanadard. For the drinking water safety, it shoud be continuously monitored, assessed and managed as well risk communiction between the authoritis and public.

• East Asian Economic Review
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• v.18 no.2
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• pp.111-142
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• 2014

We examine whether country fundamentals help explain the cross-section of currency excess returns. For this purpose, we consider fundamental variables such as default risk, foreign exchange rate regime, capital control as well as interest rate in the multi-factor model framework. Our empirical results show that fundamental factors explain a large part of the cross-section of currency excess returns. The zero-intercept restriction of the factor model is not rejected for most currencies. They also reveal that our factor model with country fundamentals performs better than a factor model with usual investment-style factors. Our main empirical results are based on 2001-2010 balanced panel data of 19 major currencies. This paper may fill the gap between country fundamentals and practitioners' strategies on currency investment.

• Journal of Nutrition and Health
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• v.30 no.6
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• pp.639-647
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• 1997

The effect of excess L-ascorbic acid(AsA) in blood, liver lipid levels and peroxidation status were investigate . Ten Sprague-Dawley male rats weighing 150-200g were fed 300mg AsA/100g body weight/day, mixed into ground chow diet, for 4 weeks. And another set of then rats were fed only chow diet as the control. Average body weight gain was slightly lowered by AsA feeding without food intake change. The AsA group showed higher AsA levels in plasma and liver than the control group. In addition, the AsA group showed a higher plasma TBARS value. Liver TBARS seemed to be elevated in the AsA, but not significantly. The hemolysis of red cells tended to increase with excess AsA, accompanied by a raised GSH-Px activity and lowered total GSH levels. Plasma HDL-Chol level was increased while the levels of total Chol, LDL-plus VLDL-Chol , and triglyceride were unchanged . Atherogenic index decreased. Hepatic TG levels were also decreased, but the total amount of Chol increased slightly . Platelet TXA$_2$ production was inhibited by excess AsA feeding. Above results indicafe that oral feeding of excess AsA may be beneficial in reducing the risk of atherosclerosis ; however such practice may be detrimental for tissue lipid peroxidation and weight gain.

• Environmental Analysis Health and Toxicology
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• v.12 no.3_4
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• pp.31-41
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• 1997

Public concerns about hazardous health effect from the exposure to organic by-products of the chlorination have been increased. There are numerous studies reporting that chlorination of drinking water produces numerous chlorinated organic by-products including THMs, HAAs, HANs. Some of these products are known to be animal carcinogens. The purpose of this study was to estimate health risk of DBPs by chlorinated drinking water ingestion in Seoul based on methodologies that have been developed for conducting risk assessment of complex-chemical-mixture. The drinking water sample was collected seperately at six water treatment plant in Seoul at March, April, 1996. In tap water of households in Seoul, DBPs were measured wilfh the mean value of 36.6 $\mu$g/L. Risk assessment processes,. which include processes for the estimation of human cancer potency using animal bioassay data and calculation of human exposure, entail uncertainties. In the exposure assessment process, exposure scenarios with various assumptions could affect the exposure amount and excess cancer risk. The reference dose of haloacetonitriles was estimated to be 0.0023 mg/kg/day by applying dibromoacetonitrile NOAEL and uncertainty factor to the mean concentration. In the first case, human excess cancer risk was estimated by the US EPA method used to set the MCL (maximum contaminant level). In the second and third case, the risk was estimated for multi-route exposure with and without adopting Monte-Carlo simulation, respectively. In the second case, exposure input parameters and cancer potencies used probability distributions, and in the third case, those values used point estimates (mean, and maximum or 95% upper-bound value). As a result, while the excess cancer risk estimated by US EPA method considering only direct ingestion tended to be underestimated, the risk which was estimated by considering multi-route exposure without Monte-Carlo simulation and then using the maximum or 95% upper-bound value as input parameters tended to be overestimated. In risk assessment for Trihalomethanes, considering multi-route exposure with adopting Monte-Carlo analysis seems to provide the most reasonable estimations.

• Journal of Korean Society for Atmospheric Environment
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• v.32 no.4
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• pp.408-421
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• 2016

Day and night sampling for gas and particle phases PAHs were carried out in Seoul to characterize gas and particle phases PAHs concentrations in day and night times. There was no significant difference between day and night time for particle phase PAHs concentrations and phase distribution of PAHs, while, gas phase PAHs concentrations in daytime were about 1/2 of nighttime concentrations in both summer and winter due to photochemical reaction of gas phase PAHs during daytime. A high fraction of cancer risk for PAHs was attributed to particle phase PAHs and the excess cancer risk in winter was higher than in summer. The excess cancer risk level of total(gas+particle) PAHs in summer was partially observed when both gas and particle phase PAHs concentrations were considered as risk assessment. Based on the diagnostic ratios and factor analysis of PAHs concentrations, combustion(coal and natural gas) and vehicular emission might be the most significant contributors of PAHs and major factors for determining of PAHs concentration were different between day and night times.

• Journal of Environmental Science International
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• v.21 no.9
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• pp.1069-1078
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• 2012

This study was performed to evaluate the asbestos exposure levels and to calculate excess lifetime cacer risks(ELCRs) in asbestos-containing buildings for maintenance and management. The range of airborne asbestos concentration of 33 buildings was 0.0018 ~ 0.0126 f/cc and one site exceeded indoor air-quality recommended limit 0.01 f/cc. And ELCRs based on US EPA IRIS(Integrated risk information system) model are 1.5E-06 ~ 3.9E-05 levels, and there was no site showed 1.0E-04 (one person per million) level or more, and 11 sites showed 1.0E-05 (one person per 100,000 people) level or more. To prevent the release of asbestos fibers, it needs operation and maintenance of asbestos-containing building materials, and there are some methods such as removal, repairment, enclosure and encapsulation. In conclusion, a risk-based air action level for asbestos in air is an appropriate metric for asbestos-containing building management.

• Journal of Environmental Science International
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• v.22 no.12
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• pp.1579-1587
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• 2013

This study was performed to evaluate the asbestos exposure levels and to calculate excess lifetime cancer risk (ELCR) for the risk assessment of the asbestos fibers released from asbestos-cement slate roofing (ASR) building. Total number of ASR buildings was into 21,267 in Busan, and 82.03 percent of the buildings was residential houses, and 43.61 percent of the buildings was constructed in 1970s. For this study, ten buildings were selected randomly among the ASR buildings. The range of airborne asbestos concentration in the selected ten ASR buildings was from 0.0016 to 0.0067 f/mL, and the concentration around no-admitted ASR buildings was higher than that around admitted buildings. The ELCR based on US EPA IRIS (integrated risk information system) model is within 3.5E-05 ~ 1.5E-04 levels, and the ELCR of no-admitted ASR buildings was higher than 1.0E-04 (one person per million) level that is considered a more aggressive approach to mitigate risk. These results indicate that the cancer risk from ASR buildings is higher than other buildings, and systematic public management is required for control of no-admitted ASR buildings within near future.

• Journal of Environmental Health Sciences
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• v.36 no.4
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• pp.294-305
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• 2010

This study estimated the health risk of heavy metals in particulate matter $(PM)_{2.5}$ in a Gwangyang industrial complex. The $PM_{2.5}$ containing heavy metal was collected from January to November, 2008 using a denuder air sampler and by IC (Ion Chromatograph). The risk assessment was performed in a four-step process; hazard identification, exposure assessment, dose-response assessment and risk characterization. In the hazard identification process, $Cr^{6+}$, Ni, As, and Pb were categorized as human carcinogens and probable human carcinogens, while Ti, Mn, Se, P, $Cr^{3+}$, Cu, and Zn were not classified as human carcinogens. It was found that the excess cancer risk by Central Tendency Exposure (CTE) of $Cr^{6+}$ and As in $PM_{2.5}$ was > $10^{-6}$, and the total excess cancer risk posed by carcinogen heavy metals in $PM_{2.5}$ was > $10^{-6}$. It was also determined that the total hazard index by CTE of non-carcinogen heavy metals in $PM_{2.5}$ was <1. Taken together, these results indicate a high cancer risk associated whit inhalation of heavy metal-containing$PM_{2.5}$ in industrial areas.

• Journal of Preventive Medicine and Public Health
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• v.29 no.1 s.52
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• pp.27-41
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• 1996

This study described methods to predict human health risk associated with exposure to environmental carcinogens using animal bioassay data. Also, biological assumption for various dose-response models were reviewed. To illustrate the process of risk estimate using relevant dose-response models such as Log-normal, Mantel-Bryan, Weibull and Multistage model, we used four animal carcinogenesis bioassy data of chloroform and chloroform concentrations of tap water measured in large cities of Korea from 1987 to 1995. As a result, in the case of using average concentration in exposure data and 95% upper boud unit risk of Multistge model, excess cancer risk(RISK I) was about $1.9\times10^{-6}$, in the case of using probability distribution of cumulative exposure data and unit risks, those risks(RISK II) which were simulated by Monte-Carlo analysis were about $2.4\times10^{-6}\;and\;7.9\times10^{-5}$ at 50 and 95 percentile, respectively. Therefore risk estimated by Monte-Carlo analysis using probability distribution of input variables may be more conservative.