• 한방안이비인후피부과학회지
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• 제25권3호
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• pp.78-87
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• 2012

Objective : The purpose of this study is to describe the characteristics of medical malpractice related to pediatric ophthalmology and to identify the causes and potential preventability of medical litigation in Korean medicine. Methods : A study was performed by analysing 8 cases of lawsuit in the year between 1968 and 2011, which were selected among the medical dispute cases involving pediatric ophthalmology. Results : The eight closed claims occurring in the field of pediatric ophthalmology were founded in the data for medical malpractice. One claim was supreme court decision, two claims were high court decisions and five claims were district court decisions. Conclusions : While malpractice claims occurring in the field of pediatric ophthalmology were uncommon, they resulted in a high rate and amount of indemnity payments. For reduction of medical disputes, improvement of clinical trials and clinical medical cares is emphasized, and informed consent is also important.

• 보건행정학회지
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• 제7권2호
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• pp.109-146
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• 1997

This study explores the feasibility of activating private health insurance in Korea. The rationale for expanding private supplementary health insurance can be found in many cases of health care reforms in the European countries. Private health insurance can not only relieve the financial distress of the government health insurance programs but also offer the medical institutions incentives to improve the quality of medical care. In Korea there is no supplementary health insurance that reimburses for various kinds of diseases based on a well designed fee schedule. Recently, the cancer insurance is the best seller in the health related insurance market. As observed in the U. S. case, the cancer insurance which pays the predetermined amount (indemnity coverage) regardless of the medical charges incurred to the patient is limited in its coverage for the insured. To provide better protection against catastrophic diseases, the government should give insurance companies incentives to develop health insurance products that cover multiple diseases rather than a single disease. Consumers can hardly understand and compare complex insurance products. To resolve the information asymmetries, the government should publish a consumer report that compare various health insurance products in a user friendly way. In the long run, insurance companies will plan to sell health insurance products that charge risk related premium only when insurers accumulate the underwriting know-hows, the government shares data on various health statistics including claims and demographics, and risk pool for high risk patients is well established and subsidized by the government.

• Asia Marketing Journal
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• 제17권2호
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• pp.97-125
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• 2015

In this study, we tried to evaluate the relative importance and find out the differences in consumer perceptions regarding service recovery strategies and the service provider in the distribution industry by using AHP (Analytic Hierarchy Process) analysis method. Therefore in this study, we tried to systematize various recovery strategies which were considered very important during service failure process in the distribution industry and analyze the relative importance for each recovery strategy. We set hierarchy composed of four items of monetary, action-oriented, psychological, and assured level as primary selection criteria and a total of 16 items(indemnity, refund, gift, gift certificate, prompt resolution, exchange, manager support, explanation, apology, empathy, acknowledge, kindness, assortment, after service, manage subcontractor, manage employee) as secondary selection criteria. We tried to take one step further from the service sector and study service recovery strategies specialized in distributor services. This study suggests various implications about service recovery strategies of distributors. First, this study can provide practical implications - e.g. service recovery efforts should be applied differently depending on service channels. There is a perceptual difference with respect to the importance of the types of service recovery strategies between service provider and final customer. Second, we can find theoretical implications in terms of identifying the priorities through hierarchy design of new recovery strategies and comparison of each element from the classifications of the current fractional recovery strategies. We hope to help service providers to build more efficient recovery strategy system based on the results of this study.

• 의료법학
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• 제16권2호
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• pp.87-130
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• 2015

국민건강보험공단이 인신사고의 피해자에게 요양급여를 시행한 후 가해자에게 요양급여비용 중 공단부담금을 구상하는 사건에서 판례는 국민건강보험법이 정하는 청구권대위와 산업재해보상보험법이 정하는 청구권대위를 동일하게 취급하면서, 상계 후 공제설에 따른 공제 범위로부터 국민건강보험공단의 구상 범위를 도출하여 피해자의 손해배상채권액 내에서 공단이 부담한 요양급여비용 전부의 구상을 인정하고 있다. 그러나 국민건강보험법과 산업재해보상보험법은 모두 사회보험을 규율하는 법이지만, 국민건강보험법 요양급여는 '보장비율을 정한 일부 보험'의 성격을 띠고 있는데 비하여 산업재해보상보험법상 보험급여는 전부 보험의 성격을 보이거나 사회보험적 성격에 따라 손해액과 무관하게 산재를 당한 피보험자가 기존 생활에 가까운 생활을 영위하도록 보조하는 데 중점이 있다. 따라서 건보법상 청구권대위와 산재법상 청구권대위를 동일하게 취급할 이유는 없다. 피보험자는 보험금을 수령하는 대신 보험자가 대위에 의하여 취득하는 청구권을 상실하게 되므로 그 범위에서 보험금의 수령으로 인한 이익이 없다. 따라서 피보험자가 가해자를 상대로 손해배상을 구하는 소송에서 손익상계의 법리는 적용될 여지가 없고, 청구권대위의 범위나 손해배상에서 공제할 공제액은 당사자 사이의 약정이나 관계 법령에 따라 정하여야 한다. 따라서 판례가 상계 후 공제설로부터 국민건강보험공단의 구상 범위를 도출하는 것은 타당하지 않다. 국민건강보험공단의 구상 범위를 정한 국민건강보험법 제58조 제1항을, 손해배상이 먼저 이루어진 경우 국민건강보험공단의 면책 범위를 정한 같은 조 제2항과 결합하여 통일적, 체계적으로 해석하면, 국민건강보험공단의 구상 범위는 지급한 요양급여비용에 가해자의 책임 비율을 곱하여 정하는 것이 타당하다. 이는 산업재해보상보험법 제87조 제1항과 제2항의 해석상 근로복지공단의 구상 범위가 지급한 보험급여 내에서 피보험자의 청구권 전액에 미치는 것과 대비된다. 한편, 판례가 국민건강보험공단의 구상 범위를 판단하면서 그 전제로 삼은 상계 후 공제설은 피해자에게 손해액 이상의 이익을 귀속시키지 않는다는 목적을 이루기 위해서 피해자가 얻은 이익을 손해액에서 공제하면 족한데도 왜 그 이익을 손해배상채권액에서 공제하여야 하는지, 피해자가 입은 손해는 공평하게 분배하면서도 피해자가 얻은 이익은 모두 가해자에게 귀속시키는 것이 타당한지, 실제 사례에서 구체적 타당성이 있는지에 관하여 의문이 있다. 따라서 국민건강보험공단의 구상범위에 관한 판례 법리와 상계 후 공제설을 따르는 판례 법리는 재검토되어야 한다.

• 한국항해항만학회지
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• 제32권1호
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• pp.97-102
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• 2008

선박의 대형화 및 해상사업의 기업화 등에 따라 해상운송에 있어 화물의 하역, 보관 등의 전문적인 부분을 담당하고 있는 항만하역업자, 항만터미널운영자, 창고업자 등 독립계약자의 역할은 점점 증대되어 가고 있는 추세이다. 하지만 국제해상운송은 해상운송인과 화주를 중심으로 체결한 운송계약을 중심으로 이루어져 왔으므로, 영국 보통법상의 직접계약관계의 원칙에 의해 계약당사자가 아닌 자는 계약상의 이익을 원용할 수 없다는 입장을 유지하여 왔다. 이에 대해 이를 완화하고자 하는 다양한 방안이 적용되고 있으며, '히말라야약관'도 그러한 방안중의 하나이다. 본 논문은 최근 대법원판결을 통해 우리나라 법원의 히말라야약관의 유효성 인정에 대한 내용을 재검토하고 독립계약자, 특히 항만터미널운영자의 운송계약상 제3자의 권리인정에 관한 문제에 대한 각국의 경향에 대해 살펴본다.

• 의료법학
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• 제11권1호
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• pp.11-52
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• 2010

Medical Dispute Arbitration Law had been debated on its legislation several times since Korean Medical Association's submission of the bill to the National Assembly in 1988, eventually in December, 2009, passed the National Assembly Standing Committee and was laid before the Legislation and Judiciary Committee, and thus its legislation is now near at hand. During the long process, it has provided a hot issue with our society. And yet, Medical Dispute Arbitration Law has differed considerably in legislative content depending on the main body of proceeding the enactment, which subsequently was given the mixed comments of 'Act on Malpractice-related Damage Relief' or 'Medical Indemnity Act', and this legislative bill also cannot be free from this debate. It is desirable that medical disputes between doctors and patients be resolved through conciliation between the parties concerned. But, because reaching a compromise is difficult owing to deep emotional conflicts between the parties, difficulties in investigating a cause and requiring a high amount of settlement money, etc., it is inevitable to seek a resolution by third party intervention. By the way, such an arbitration by third party is based on the compromise of the interested parties and thus has a limitation of not being able to satisfy both parties completely. Therefore, the legislative bill made for arbitration of medical disputes between the parties will have to prepare an institutional system for the parties to easily understand and accept. Also, problems occurred in the legislative bill will have to be corrected through an in-depth discussion in order for the legislative bill to work as an effective system.

• 무역상무연구
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• 제26권
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• pp.35-86
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• 2005

International distributorship contract(IDC), as well as international agency contract is a type of contract which is most frequently used in international trade. But one of the main difficulties faced by parties of IDC is the lack of uniform rules for this type of contract. This means that both parties should be careful about each clause of the contract when they draw up it. The ICC prepared model form which incorporates the prevailing practice in international trade, and which aims at protecting and balancing the legitimate interests of both parties. This author examined the several important clauses in this model contract. The purpose of this examination is to help the contracting parties for better understanding and applying them in their actual contracting practice, which based on this model contract. When the supplier and the distributor execute their contract or use ICC Model Contract, they should be careful about the following points: First, some terminologies(like, "territory", "product", "competing products" and "exclusivity") should be clearly defined in their contract. Second, regarding the supplier's functions including "supplying products" and the distributor's responsibility including "undertaking not to compete", and "attaining guaranteed minimum targets", both parties should make clear about each party's right and obligation as well as one party's remedies available when other party makes breach of its obligation. Third, both parties should examine the relationship between the "exclusivity" or "sole" and competition law which is regarded as a mandatory rule in the territory. Forth, when both parties lay down "termination clause" in the contract, they should make clear about the indemnity in case of termination. Fifth, as there is not uniform law for the distributorship contract, it is inevitable to choose any local law as an applicable law in case of litigation. So both parties should keep in mind to insert arbitration clause to avoid the application of the local law. Besides, both parties should consider their individual and specific circumstances and try to reflect them in their contract by Annex I to XI attached to the end of model contract.

• 보건의료산업학회지
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• 제5권4호
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• pp.177-192
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• 2011

The arguments exist that private health insurance(PHI) policy holders tend to use the health care services more than non-policy holders due to their little out-of-pocket spending, resulting in the adverse effects on the finances of National Health Insurance. This study aims to increase the objective understanding of the issue and to draw a direction of further research, by reviewing the articles, reports and statistics which examined the effects of purchasing PHI policies on health care utilization. Significant differences in healthcare utilization, except for the very partial increase of utilization in outpatient settings, have been not found. The similar trends of the results have existed in a few previous studies which tried to control the endogeneity of medical use and health insurance with latent variables which affect the decision on medical use and health insurance. However, we can not exclude the potential change of healthcare utilization patterns because the portion of the insured of indemnity PHI is becoming rapidly larger in the market. For further research, we should try to obtain the objective information of subjects' past medical history, health status, health related behavior, and income affecting purchase of PHI and utilization of healthcare services. And the efforts of controlling the endogeneity of medical use and health insurance with latent variables which affect the decision on medical use and health insurance, are very considerable.

• 무역상무연구
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• 제43권
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• pp.239-273
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• 2009

Marine insurance contracts, which intended to provide indemnity against marine risks upon the payment of a premium, originated in Northern Italy in the late 12th and early 13th centuries. The law and practice of Italian merchants were later introduced into England through Lombard merchants. It is, therefore, quite exact that English and Continental marine insurance law have common root. Nevertheless, some significant divergences between English and Continental marine insurance systems occurred since the late 17th century, mainly due to different approaches adopted by English courts. The rule of warranty in English marine insurance was established in the second part of the 18th century by Lord Mansfield, who laid the foundations of the modern English law of marine insurance and developed different approaches, especially in the field of warranty in marine insurance law. Since the age of Lord Mansfield, English marine insurance law has developed a unique rule on warranty. Bearing in mind the realities of the 18th century, it could easily be understood why Lord Mansfield afforded such a strict legal character to marine warranties. At that time, the 'promise' given by the assured, played an important role for the insurer to assess the scope of the risk. Legal environments, however, have changed dramatically since the times of Lord Mansfield. Of course, it is still important that the assured keep his promises to the insurer under the insurance contract, which is based upon utmost good faith. Nevertheless, the remedy of automatic discharge from liability, regardless of existence of a casual link between the breach and loss seems harsh in the realities of the 21st century. After examining the warranty regime adopted by the German and Norwegian hull clauses, it is fair to say that they provide a more equitable approaches for the assured than does English law. Therefore, this article suggests that English warranty regime needs overall reform and it is time to reform.

• 한국산학기술학회논문지
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• 제3권4호
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• pp.325-332
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• 2002

본 논문은 최적리콜보험계약의 설계와 관련된 논문의 survey이다. 리콜보험 뿐만이 아니라 최적보험계약을 만들기 위해서는 보험계약의 조건들이 내생적이라는 가정하에서 연구모형을 구축하고 분석의 과정에서는 보험구매를 위한 의사결정 원칙으로 기대효용이론, 비기대효용이론, 및 상태귀속적인 (state-dependent) 효용함수를 사용하였다. 어떠한 이론을 사용하더라도 최적보험의 조건들은 존재한다. 다만 계약조건에 관련되어서는 보험의 비용, 자기부담금, 보상한도액 등이 차이가 날 수 있다. 보험의 비용은 지급보험금과 선형, 오목형, 볼록형의 관계가 성립할 수 있으나 잠식비용과 고정비용의 존재를 인정하여야 한다. 이를 바탕으로 최적보험을 위한 비용 설계가 이루어져야 한다. 또한 전부보험이냐 일부보험이냐를 결정하는 자기부담금의 존재는 일률자기부담금형태와 점감식자기부담금형태가 가능하다. 자기부담금 수준의 결정과 관련하여 담보되는 모든 위험에 동일한 수준을 적용시킬 것인가 혹은 차별화시킬 것인가는 보험의 종류에 따라 달라질 수밖에 없다. 보상한도와 관련되어서는 특히 리콜보험에 있어서는 기업의 파산위험성이 상당히 존재하고 있으므로 계약당사자의 파산선고를 포함한 이익이 충분히 고려되어야 한다. 또한 제약조건으로는 불완전시장에 대한 이해를 필요로 하며 담보할 수 없는 배경위험의 존재에 대한 배려가 있어야 한다.