• 산업공학
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• 제24권3호
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• pp.173-186
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• 2011

In this paper, we evaluate life annuity plans for Korean pre-retired single and married couple participating Korea National Pension (KNP) and find optimal life annuity strategy by using utility-based measurements called AEW (Annuity Equivalent Wealth). Specifically, we extend a previous study to obtain a detailed optimal combination of annuitizing age and wealth in terms of percentage of net wealth at the time of retirement. A nonlinear optimization model is formulated with the objective of maximizing utility on consumption and bequest, and the dynamic programming (DP) technique is used to solve this problem. We find that there exist consistent patterns in optimal combinations of annuitizing age and wealth. Also, for all cases the optimal combination is significantly better than several other combinations. The results indicate that using the optimal approach can be beneficial to practitioners in insurance industry and prospective purchasers of life annuity. We conclude the paper with some discussions and suggestions.

• 무역상무연구
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• 제41권
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• pp.185-202
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• 2009

With the rapid development of oil and chemical industry in the late 20C, massive transportation of oil by oil tanker vessel has grown and it caused the big oil pollution accidents. When oil spill from the oil tanker, damages reach into the astronomical figures in economically and damages affect wide area and many people with break the balance of ecosystem. Recently in Korea, the oil pollution accidents has occurred frequently as growing of oil consumption and it caused large-scale damages to the victim. Oil pollution in Korea offshore takes not only Korean fisherman from their life ground and break the ecosystem but it takes too much time and money to recover. To minimize oil pollution damages, it is necessary to make pre-caution effort as a ship owner and relevant government bodies should endeavor to prevent from more damages. But once oil pollution accidents occurs in territorial sea, compensation for victim is very important. But it is true that compensation is not paid to victim smoothly. So this study aims at the problems of oil pollution compensation to the Korean victim and find the best way to get reasonable compensation.

• Journal of the Korean Data and Information Science Society
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• 제20권1호
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• pp.179-190
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• 2009

금융 산업에서, 의사결정나무 분석은 분류분석을 위해서 널리 사용되는 분석기법이다. 그러나 금융 산업에서 실제로 의사결정나무 분석을 적용할 때, 발생하는 문제점 중 하나는 설명변수의 수가 너무 많다는 점이다. 따라서 모형의 결과에 별 영향을 미치지 않으면서 설명변수의 수를 줄이는 효과적인 방법을 연구할 필요가 있다. 본 연구에서는 의사결정 나무 분석에서 모형의 정확성에 근거한 최선의 변수 선택 방법을 구하기 위하여 다양한 변수 선택방법들을 비교 분석 하였다. 이를 위하여 본 연구에서는 한 보험회사의 연금 보험 상품 자료에 다양한 설명변수 축소방법을 적용하여, 가장 적은 수의 설명변수를 가지고 가장 높은 정확도를 제공하여 주는 설명변수 축소방법을 구하는 실증적인 연구를 시행하였다. 이러한 실험결과, 신경망의 민감도 분석을 이용하여 변수를 축소하고, 그 축소된 변수를 이용하여 의사결정나무 분석 모델을 생성하는 경우가 가장 효율적인 설명변수 축소방법임을 알 수 있었다.

• 산업진흥연구
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• 제1권2호
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• pp.103-108
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• 2016

본 연구는 충남 당진지역 여성보험설계사의 개인적 특성이 직무성과에 미치는 영향을 분석하였다. 연구결과 직무만족도에 영향을 미치는 요인은 직무중요도(p<.05, ${\beta}=.321$)로 나타나 직무에 대한 중요성과 사회적 인식을 긍정적으로 평가할수록 직무만족도가 향상되는 것으로 확인되었다. 개인적 인식이 계약성과와 직장만족도에 유의한 영향을 미치지는 못했으나, 근무년수에 따라 계약성과, 직무만족도, 직장만족도에 유의한 집단 간 차이가 나타나는 것으로 분석되었다. 본 연구는 충남 당진지역 여성보험설계사의 개인적 특성이 직무성과에 미치는 영향을 분석함으로써 계약성과, 직무만족도, 직장만족도 향상에 대한 개인적 특성 요인의 중요도를 파악하고 여성보험설계사의 성과 향상 측면에서 개인적 요인의 효과성을 검증한 데 연구의 의의가 있다.

• Journal of Preventive Medicine and Public Health
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• 제38권1호
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• pp.9-15
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• 2005

Objectives : To analyze medical expenses by cancer site and survival time among cancer patients in their last year of life. Method : The study subjects were 45,394 people that had died of cancers in 2002, were registered by the Korea Central Cancer Registry and received National Health Insurance benefit in the last year (360 days) of life. Personal identification data, general characteristics, dates of death and cancer incidence, and site of cancer were collected from the National Statistical Office and the Korea Central Cancer Registry, and merged with the data of the individual medical expenses of the Health Insurance Review Agency. Results : Average monthly cost curves were U-shaped with high costs near the time of diagnosis and death, and lower costs in between. Medical expenses in the last year of life were around 30.3, 16.7, 13.0, and 12.1 million won among leukemia, lymphoma, ovarian cancer, and breast cancer patients, respectively. Digestive organ cancers including stomach, esophagus, liver, pancreas, and colorectal cancers had relatively low medical expenses. Medical expenses in the last year of life were inverse U-shaped with high expenses near one year of survival. Average monthly cost in the 12 months before death among the patients who had survived $10{\sim}15$ years were more than two-fold greater than the cost before diagnosis among those who had survived for less than one year. Conclusions : Leukemia was the most expensive cancer. It is possible that once diagnosed as cancer, medical expenses do not return to the level before diagnosis. Further research will be needed to understand the magnitude and change of the medical expenses among cancer patients with long term follow up data.

• 한국노년학
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• 제30권3호
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• pp.803-814
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• 2010

2008년 7월 노인장기요양보험제도 도입으로 공적 급여가 시작된 장기요양서비스 중 복지용구는 노인의 자립생활 지원 및 가족의 수발부담 경감 효과가 기대되는 중요한 서비스이다. 새로운 제도 도입 후 일 년이 경과한 현 시점에서 소비자에게 직접 복지용구를 제공하고 있는 복지용구사업소의 운영 현황을 파악하고자 전국 복지용구사업소를 대상으로 우편설문조사를 실시하였다. 194개소의 조사 자료를 분석한 결과, 대부분의 복지용구사업소는 관리, 인력, 시설, 서비스 등의 측면에서 보완해야할 여러 가지 문제들이 발견되었다. 복지용구사업소의 월매출액은 평균 797만원에 불과하여 경영상 어려움을 가질 것으로 판단되었다. 또한 배상책임보험은 절반 정도만이 가입되어 있어 사고 시 대비할 수 있는 체계가 갖추어지지 않은 경우가 많았으며, 정규직 인력 평균 2.6명 중 사회복지사 및 물리치료사는 약 20%에 불가하며 전문적 교육을 이수한 경험은 거의 없었다. 뿐만 아니라 세정소독시설을 갖춘 사업소 중 오염청결구역을 구분하는 비율은 44.8%에 불과하여 실제 세정·소독의 의미가 없는 경우가 많았다. 이에 양질의 복지용구서비스가 이루어지기 위해서는 배상책임보험 가입을 통한 불의의 사고에 대비, 복지용구 관련 인력에 대한 교육, 대여 복지용구의 세정소독 관리 강화 등이 필요할 것으로 판단된다.

• 경영과정보연구
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• 제23권
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• pp.25-40
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• 2007

In the highly competitive and divers world of financial market, customer is the single most important factor to company's survival. Especially, creating a relationship with valued customers is a key to success. CRM provides the mean to retain high value customers. It takes a prospect of what customers expect. Utilizing those knowledge can help the products and service meet the customers' needs, thereby maximizing customer satisfaction and company's profit. In this report, I am going to suggest a few ways to develop successful CRM in the life insurance industry. First, CRM should innovate the way of communication to keep pace with Web 2.0 era. In other words, the customer's needs should be caught by real-time communication than traditional off-line market research. Thus, the functionality and specification of products can be decided by customer's direct choice so that the customers are able to purchase the understanding and experience of the products. Second, CRM project should consider whether the initial strategy plan can promise the stable growth of customer at the first step. When planning strategy, the project needs to identify what customer wants and how to fulfill the needs with stable growth of the customer. In addition, the CRM should be developed by realizing that customer centric benefits ultimately guarantee the growth of the organization. Third, CRM systems should enhance the organization's ability to take the customer's insight in a 360 degree view and to capture the voice of the customer directly. In order to develop the best matched product package, more precise customer segmentation should be ahead of market segmentation strategy. Forth, the biggest reward from CRM will be a customer royalty program. Many successful banks are already planning and practicing customer royalty strategy. A comprehensive analysis of customers and their behavior allow organization to identify high value potential customers' needs and determine a strategy required to meet those needs. Even life insurance companies such as Prudential Korea are developing products designed for royal customers. Fifth, understanding and managing the experience of customer called Customer Experience Management also can increase customer satisfaction. Measuring only customers' experience and adapting it to marketing strategy make products position in the gap between the customers' expectation and experience not required by market. A key component of CEM is its application across all organizational functions. At last, the direction of change and development of CRM can be defined from the conceptualization of information technology represented by Ubiquitous and Web 2.0. Instead of just managing customer information, companies should take the initiative in personalized system with customer oriented strategy. Furthermore, with the regular communication between CRM stakeholders (Sales-Marketing-IT), customer's demand should be directly reflected to enterprise strategy in real time.

• Korean Journal of Radiology
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• 제25권5호
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• pp.414-425
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• 2024

Objective: This study aims to explore the opinions on the insurance coverage of artificial intelligence (AI), as categorized based on the distinct value elements offered by AI, with a specific focus on patient-centered outcomes (PCOs). PCOs are distinguished from traditional clinical outcomes and focus on patient-reported experiences and values such as quality of life, functionality, well-being, physical or emotional status, and convenience. Materials and Methods: We classified the value elements provided by AI into four dimensions: clinical outcomes, economic aspects, organizational aspects, and non-clinical PCOs. The survey comprised three sections: 1) experiences with PCOs in evaluating AI, 2) opinions on the coverage of AI by the National Health Insurance of the Republic of Korea when AI demonstrated benefits across the four value elements, and 3) respondent characteristics. The opinions regarding AI insurance coverage were assessed dichotomously and semi-quantitatively: non-approval (0) vs. approval (on a 1-10 weight scale, with 10 indicating the strongest approval). The survey was conducted from July 4 to 26, 2023, using a web-based method. Responses to PCOs and other value elements were compared. Results: Among 200 respondents, 44 (22%) were patients/patient representatives, 64 (32%) were industry/developers, 60 (30%) were medical practitioners/doctors, and 32 (16%) were government health personnel. The level of experience with PCOs regarding AI was low, with only 7% (14/200) having direct experience and 10% (20/200) having any experience (either direct or indirect). The approval rate for insurance coverage for PCOs was 74% (148/200), significantly lower than the corresponding rates for other value elements (82.5%-93.5%; P ≤ 0.034). The approval strength was significantly lower for PCOs, with a mean weight ± standard deviation of 5.1 ± 3.5, compared to other value elements (P ≤ 0.036). Conclusion: There is currently limited demand for insurance coverage for AI that demonstrates benefits in terms of non-clinical PCOs.

• 디지털산업정보학회논문지
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• 제6권2호
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• pp.233-245
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• 2010

This paper proposes security architecture, security audit framework, and audit check item. These are based on the security requirement that has been researched in the information system audit. The proposed information security architecture is built in a way that it could defend a cyber attack. According to its life cycle, it considers a security service and security control that is required by the information system. It is mapped in a way that it can control the security technology and security environment. As a result, an audit framework of the information system is presented based on the security requirement and security architecture. The standard checkpoints of security audit are of the highest level. It was applied to the system introduction for the next generation of D stock and D life insurance company. Also, it was applied to the human resources information system of K institution and was verified. Before applying to institutions, system developers and administrators were educated about their awareness about security so that they can follow guidelines of a developer security. As a result, the systemic security problems were decreased by more than eighty percent.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2008년 추계학술발표대회 논문집
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• pp.327-331
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• 2008

In Korea, welfare needs brought on by the rapidly growing of elderly population. Also, the senior group with spare time, wealth and health is increasing. Currently, the people have known about needs welfare system for improving quality of life during senescence personally and socially. In addition to the senior friendly industry, having distinction with simple approach medical services, will be great expanding after 2010. And there will be a new welfare services plan supporting long term care insurance for senior citizens. But we don't have prepared systematically organized senior friendly industry and products yet. So, the purpose of the study is to analyze systematically the classification characteristics of the senior friendly products according to the difficulty of daily living for senior citizens. Above all, the study finds out the senior friendly products characteristics according to the consumer's various situations about health and housing space. Therefore the result of the study reveals that the simulation guidelines for choosing the products depend on the customer's needs are essential and useful to improve senior friendly industry. And the post evaluation data of senior friendly products would be put to practical use in the industry.