• Environmental Analysis Health and Toxicology
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• 제30권
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• pp.12.1-12.7
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• 2015

Objectives In South Korea, health insurance data are used as material for the health insurance of national whole subject. In general, health insurance data could be useful for estimating prevalence or incidence rate that is representative of the actual value in a population. The purpose of this study was to apply the concept of episode of care (EoC) in the utilization of health insurance data in the field of environmental epidemiology and to propose an improved methodology through an uncertainty assessment of disease course and outcome. Methods In this study, we introduced the concept of EoC as a methodology to utilize health insurance data in the field of environmental epidemiology. The characterization analysis of the course and outcome of applying the EoC concept to health insurance data was performed through an uncertainty assessment. Results The EoC concept in this study was applied to heat stroke (International Classification of Disease, 10th revision, code T67). In the comparison of results between before and after applying the EoC concept, we observed a reduction in the deviation of daily claims after applying the EoC concept. After that, we categorized context, model, and input uncertainty and characterized these uncertainties in three dimensions by using uncertainty typology. Conclusions This study is the first to show the process of constructing episode data for environmental epidemiological studies by using health insurance data. Our results will help in obtaining representative results for the processing of health insurance data in environmental epidemiological research. Furthermore, these results could be used in the processing of health insurance data in the future.

• 한국환경과학회지
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• 제23권2호
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• pp.171-180
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• 2014

This study provides the empirical results of the customers' necessity and intentions of purchasing weather index insurance using survey of asking the customers' recognition about weather insurance. In this article, we discovered that not only the customers' past experience of loss but also the extent of damage and the effects that change in weather would have on their firm are positively related to an intention to purchase weather index insurance. In addition, the level of premiums was significantly higher for the highly-intended group of willing to purchase weather index insurance than the comparison group.

• 한국환경독성학회:학술대회논문집
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• 한국환경독성학회 2004년도 Sharing Experience of Human and Ecological Risk Assessment and Management in Asia/Pacific Region
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• pp.106-106
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• 2004

• 무역상무연구
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• 제57권
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• pp.305-331
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• 2013

The purpose of this study aims to the improvement prospect of green insurance industry in Korea. Green insurance includes all classes of general insurance business including unoccupied property insurance and empty building insurance, business insurance, personal insurance, etc. Green policies often cover expensive systems that are not covered under most property policies. The same is true for some underground property, which is also exempted from many property policies. At least insurers already offer products designed to fund rebuilding damaged properties to meet certain environmental and building standards. While the products are in their infancy, insurers and brokers say the huge interest in environmental issues will increase demand. Green buildings that improve energy efficiency and air quality and reduce waste are designed to reduce their effects on the environment and the health of building occupants. Buildings account for 39% of U.S. carbon dioxide emissions, according to the Department of Energy. Insurers say that, as sustainable buildings become more common, green insurance will become more popular and some of its features might become a standard part of property policies.

• 자원ㆍ환경경제연구
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• 제9권4호
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• pp.641-661
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• 2000

The study examines the relation between yield insurance and nitrogen fertilizer in Korea. Since the yield insurance has never been introduced in Korea, the simulation method developed by Babcock & Hennessy is used to see the effect. From the simulation, we obtained the following results: (1) When a farmer is assumed to have a risk-neutral utility function, the yield insurance reduces nitrogen fertilizer by 19.74% (2) When a farmer is assumed to have a risk-averse utility function, the yield insurance reduces nitrogen fertilizer by 24.53%.

• 한국가스학회지
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• 제22권5호
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• pp.1-17
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• 2018

태안반도 원유 유출사고, 구미 불산누출사고 등 2000년 전후로 하여 환경관련 사건과 사고가 빈번히 발생하고 있다. 이러한 환경오염사고를 계기로 선제적 대응 방안이 필요하다는 사회적 공감대가 형성되어 2014년 환경오염피해 배상책임 및 구제에 관한 법률이 제정되고, 2016년 1월부터 시행되고 있다. 이에 따라 도입된 환경책임보험제도는 국내 보험산업계에서 환경위험을 관리하는 새로운 보험모델의 표준화 정립을 통해 관리될 필요가 있다. 지금까지 보험산업에서 표준화에 대한 노력은 다양한 위험 유형의 보장성 보험모델들의 출현에 따라 진행되어 왔다. 이에 따라 본 연구에서는 지식 기반 서비스 중의 하나인 보험 영역에서 기업에 의해 발생 가능한 대기, 수질, 화학, 폐기물, 해양, 토양 등의 환경오염 발생에 대해 6가지 보장 매체에 관한 검증 자료를 의미적 상호운용이 가능한 온톨로지를 통해 표현하였으며, 사업장의 인허가를 토대로 보험 가입 매체 간의 관계를 추론하여 보험모델을 설계하고 제시하였다. 각 사업장 담당자에 의한 물질량 정산 과정과 검증자를 통한 정산결과의 편차를 줄이기 위해, 추상적인 개념을 흐름도로 객관화, 구체화 하였으며, 해마다 많은 비용과 소모되는 자원을 줄이기 위해 온톨로지 기반의 의사결정지원 시스템의 향후 구축 방안을 제시하고 일부 구현 하였다. 이를 통해 물질량 검증 기준을 표준화함으로써 오류를 최소화하고, 검증에 소요되는 시간과 자원을 감소시킬 수 있을 것으로 기대된다.

• 환경정책연구
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• 제10권1호
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• pp.151-173
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• 2011

기상재해는 해가 갈수록 증가하고, 엄청난 재산 및 인명 피해를 발생시키고 있으며 반복적으로 매년 정부는 엄청난 액수를 들여 재난 피해를 복구하고 있다. 이제는 기후변화로 인한 기상재난에 대해서 정부가 모든 것을 다 부담할 수 없음으로 인해 민간 또한 재난을 준비하는 장기적이고 예방적인 자연재해보험정책을 논의할 때이다. 무엇보다도 중요한 것은 단순한 재해보험도입이 아니라 재해 발생 시 가장 큰 피해를 입는 저소득층의 미래에 대한 불안 감소와 빠른 복구를 가능케 하는 사회보장적 성격을 지닌 재해보험을 도입한다는 것이고, 현실적으로 실행 가능한 방안으로 현재 시행중인 microinsurance(소액서민보험) 방식과 index insurance(지수보험) 방식을 혼용하여 도입하는 것이 바람직할 것으로 판단된다.

• Asia Marketing Journal
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• 제7권3호
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• pp.105-119
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• 2005

삼성화재는 국내에서 처음으로 저축성 보험 및 연금보험을 제외한 가계성 손해보험 상품을 하나로 통합한 '삼성Super보험'을 출시하였다. 이 보험은 변화하는 외부환경의 위협에 능동적으로 대처하기 위해 개발되었으며 이 상품이 성공적으로 출시된 것은 손해 보험업에 적합한 컨설팅시스템(MCS System)을 도입하고, 전문판매조직인 SRC(Samsung Risk Consultant)의 도입 등 종합적 마케팅 전략의 결과이다. 본 사례에서는 삼성화재가 국내에서 처음으로 통합보험을 출시하기까지의 과정과 마케팅전략을 소개하고, 주요 성공요인이 무엇인지 알아본 후, 시사점과 함께 향후 과제를 함께 제시하였다.

• Journal of Preventive Medicine and Public Health
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• 제27권2호
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• pp.242-257
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• 1994

In Korea, female workforce has reached more than 40% of total working population, but the effects of work on spontaneous abortion are yet to be examined. This study as conducted to investigate the occupational effects on spontaneous abortion. Medical insurance claim data were used to examine the effects of the employment status and industry of employment on spontaneous abortion. The study population was composed of females, aged $15{\sim}44$, who were the beneficiary of medical insurance in the month of June, 1993. The working females covered by medical insurance for industrial workers, had the highest age-adjusted Spontaneous Abortion rate (SAB rate=claim frequency of spontaneous abortion/claim frequency of complication of pregnancy, childbirth and the puerperium), 6.65% whereas female dependants of medical insurance for industrial workers had the lowest age-adjusted SAB rate, 4.54%. Among industrial workers, the workers in manufacturing industry had the highest age-adjusted Spontaneous Abortion ratio(SAB ratio=claim frequency of spontaneous abortion/claim frequency of completly normal delivery), 43.2/100 whereas those in financing and service industry had age-adjusted SAB ratio, 16.2/100 and 20.5/100, respectively. The results of the study suggest the adverse effect of manufacturing Industry on reproduction. Work environments such as chemical exposures, overwork, awkard posture, and job stress should be further studied for their effects on reproductive functions of female.

• 가정∙방문간호학회지
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• 제24권2호
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• pp.181-188
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• 2017

Purpose: The aim of this study was to compare between performance and requirements of visiting nursing care in long-term care insurance using the OMAHA system. Methods: The subjects were 72 nurses who had worked in a visiting nursing care center in long-term care insurance. Data were collected from December 5, 2016 to January 31, 2017 using self-recorded questionnaires. The collected data were analyzed using descriptive statistics and paired t-tests. Results: Four dimensions of the OMAHA system showed statistically significant differences between performance and requirements of visiting nursing care in long-term care insurance. The requirements of visiting nursing care were higher than was performance on all 40 items of the OMAHA system. The greatest difference was in environmental domain and then the psychosocial domain. Conclusion: Based on the results, we found that the environmental and psychosocial domains were the largest gap areas. Therefore, with the reality of elderly people living alone and the increase in elderly couples, active intervention connected with the community is needed in residential areas. Further, we suggest that the OMAHA system can be utilized as an integrated conceptual framework for developing and enhancing visiting nursing care in long-term care insurance.