• The Journal of the Korean life insurance medical association
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• v.27 no.1
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• pp.18-20
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• 2008

I have taught various case audit underwriting methods to underwriters for many years. Underwriting requires specialized medical knowledge and experience of comprehensive individual risk analysis. Decisions in individualized underwriting depend on the insurance company's management philosophy and vision, marketing strategies, culture, product line etc. They also depend on the information acquired through proposal forms, inspection reports, laboratory results and disclosures. Underwriters match this acquired information to each insurance product, search appropriate medical resources, assess the probabilities of future claims, and decide what, if any, further medical information should be gathered. Sources include doctors' reports, medical records, biopsies, blood and urine tests, CT, MRI, Holter monitoring, sonography etc. Insurance medical directors help and teach underwriters to analyze individual medical risks and make effective.

• The Korean Journal of Applied Statistics
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• v.22 no.3
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• pp.489-498
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• 2009

Underwriting is the first step for the administration of an insurance contract, which may result in stable profitability or unexpected loss for insurance company. Adequacy of underwriting criteria determines underwriting result. Generally, quantitative scoring system is used for underwriting. Method of evaluating risk for the scoring system is summing up scores for risk factors of a potential policyholder in consideration. Scores for each risk factor is predetermined. Current business environment for insurance companies makes underwriting profit more important, which means that insurance companies need more efficient underwriting method. This study suggests a reasonable approach to estimate risk relativities based on generalized linear model. Real data were used to quantify risk levels of groups of insureds for the design of underwriting model. Finally, effects in business volume and profitability of reflecting estimated underwriting scoring system are explained.

• The Korean Journal of Applied Statistics
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• v.22 no.6
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• pp.1215-1227
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• 2009

Underwriting refers to the process that the insurance company measures the potential risk of the future clients and decide whether insuring them with current premium. Although the traditional underwriting system used in Korean automobile insurance market is easy to understand, it is not based on a reliable statistical procedure. In this paper, we propose to apply the generalized additive model into construction of underwriting system, which is based on statistical analysis. We use automobile insurance data in Korea and apply our approach to the data. The results from the empirical analysis would be useful even for determining the significance of each variable in calculating automobile insurance premium.

• The Journal of the Korean life insurance medical association
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• v.31 no.1
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• pp.29-33
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• 2012

Nowadays, obstructive sleep apnea is being important to life insurance industry. Many life applicants submit their attending physician's statement, diagnostic certificate, and results of polysomnography to underwriters. So It's necessary to perform evidence-based medical approach. I hope this article is helpful to insurance doctors and underwriters.

• The Journal of the Korean life insurance medical association
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• v.28 no.1_2
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• pp.31-35
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• 2009

Background : Many of internists have been working for insurance industry. Insurance medicine is use of medical knowledge for insurance industry. There is social role of insurance medicine in terms of soundness of insurance administration. Recently social role of internists also have been being watched. Although theme of insurance medicine is medical risk selection, insurance claims administration also needs medical experts'opinion. There are not any corroborative study of medical consulting for insurance claims. Among insurance industry, someone called this medical review of insurance claims as 'medical claims review'. Aim : To investigate usefulness of medical review of insurance claims. Design : Questionnaire survey with claim staffs in one of insurance claim adjustment company in Korea. Methods : 265 claim staffs were divided into 4 groups and conducted survey using a questionnaire of 20 questions. Utility score, job satisfaction score, and difficult factors of claims administration were measured. Results : Utility score and job satisfaction score are highest in medical claims review group. The most difficult in claim administration to claim staffs was demonstrated to medical knowledge. Conclusion : Medical review of insurance claims is proved to be worthy. Document-based consulting method, namely medical claims review, is more useful than telephone-based simple query among claim staffs...Subjects of the medical claims review are medical record and it's principle is independent medical examination with evidence-based approach, it also has role of protecting fraud of insurance claims. Two main question types of medical claims review are verification and advice.

• Journal of English Language & Literature
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• v.55 no.1
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• pp.177-198
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• 2009

How are we approach the fourteenth chapter of Ulysses known as 'The Oxen of the Sun' in this globalized age of hyper-theorization? My paper argues that examining the wide reverberations set off by Derrida's comment in "Ulysses Gramophone"-"Everything has already happened to us with Ulysses"-in relation to the central textual theme of cosmopolitanism may provide a reading that not only pays due respect to the critical legacy of the early structuralist interpretations but equally takes into account the political sensibilities of our time. The neologism 'chaosmopolitanism,'in fact, serves as that very critical measure designed to bridge the gap separating the long tradition of Western Eurocentric discourse on cosmopolitanism on the one hand and the geopolitical background conditioning its discursive possibility, namely, the chaotic condition of international colonialism on the other, whose exemplary, and exemplarily creative, fusion bears none other name than Ulysses. But the idea of chaosmopolitanism gains its conceptual leverage on yet another, no less pivotal register, for, just as with Derrida's first-person plural pronoun, the trope leads us to reflect on our own situatedness in the East Asian region in light of Joyce's unabashedly universalist vision, whose over-arching textual purview nonetheless leaves the space called the Far East in the singular position of virtual exclusion. What does it then mean to enjoy Joyce's "chaffering allincluding most farraginous chronicle" in light of our East Asian perspective? To this second question, my inquiry turns to the dual theme of enjoyment and debt as they are problematized by Stephen Dedalus' telegram to Mulligan, which reads, "the sentimentalist is he who would enjoy without incurring the immense debtorship for a thing done." Itself a quotation from George Meredith's novel The Ordeal of Richard Feverel, the transcribed message invites us to reconsider the scrupulous endeavor underwriting Joyce's signatory gusto, but at the same time forcing us to confront and reassess our own debt to the problematic heritage known as Western literature or, to borrow Derrida's expression, Abrahamic language.