• Journal of health informatics and statistics
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• v.43 no.4
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• pp.318-328
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• 2018

Objectives: People are living longer, but often with diseases or chronic conditions. As a consequence, interest in resolving insurance blind spots is growing. This study provides substandard risk-relevant statistics to help substandard risks who are likely to fall in insurance blind spots obtain insurance coverage, such as the reimbursement of medical costs, as well as to stimulate insurance product development. Methods: This study uses National Health Insurance Service (NHIS) cohort data to determine the relevant statistics. The incidence rates of severe diseases are derived and compared against standard risks to establish a set of relative risk factors. These incidence rates of standard and substandard risks are then compared. Results: Currently, an individual's cancer history is used in the underwriting process for simplified issue insurance. However, underwriting focusing on hospitalization and procedures related to serious illnesses could lower premiums for substandard risks. Moreover, the statistical results could be used to expand the coverage of health insurance products. Conclusions: This study's relative risk factors can be used to derive simplified issue premium rates for substandard risks. They can also be used to implement discount and loading schemes for medical reimbursement insurance and help insurance companies implement proactive risk management.

• Computers and Concrete
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• v.15 no.1
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• pp.1-20
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• 2015

Many existing reinforced concrete (RC) columns in structures tend to become substandard RC ones due to updated standards or environmental changes. These substandard columns may alter the behaviors of the whole structure and therefore are in urgent need of seismic retrofitting. Owing to their superior advantages, carbon fiber reinforced polymer (CFRP) composites are widely used to retrofit RC columns. The applications mainly focus on various substandard RC columns, but few deals with substandard columns with deteriorated concrete, especially damaged by earthquake. The purpose of this paper is to investigate the seismic behaviors of CFRP reinforced partially deteriorated RC columns and to evaluate the effect of CFRP sheets on them. Six flexure-dominant columns were tested under a constant axial load and transverse cyclic displacements. It is found that the seismic behaviors of partially deteriorated columns can be recovered by wrapping CFRP sheets on them. Numerical analysis is then conducted using finite element methods and verified with experimental results. The effects of the axial load ratio, the ratio of the thickness of CFRP sheet to the column diameter, and the slenderness ratio on the seismic behaviors of CFRP reinforced RC columns are evaluated. Finally, a method is proposed to determine the required thickness of CFRP sheet.

• Structural Engineering and Mechanics
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• v.67 no.3
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• pp.233-244
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• 2018

This study aims at evaluating the performance of repairing technique with CFRPs in recovering cyclic performance of damaged columns in flexure in terms of structural response parameters such as strength, dissipated energy, stiffness degradation. A 2/3 scaled substandard reinforced concrete frame was constructed to represent the substandard RC buildings especially in developing countries. These substandard buildings have several structural deficiencies such as strong beam-weak column phenomenon, improper reinforcement detailing and poor material properties. Flexural plastic hinges occurred at the columns ends after testing the substandard specimen under both constant axial load and reversed cyclic lateral loading. Afterwards, the damaged columns were externally wrapped with CFRP sheets both in transverse and longitudinal directions and then retested under the same loading protocol. In addition, ambient vibration measurements were taken from the undamaged, damaged and the repaired specimens at each structural repair steps to identify the effectiveness of each repairing step by monitoring the change in the natural frequencies of the tested specimen. The ambient vibration test results showed that the applied repairing technique with external CFRP wrapping was proved to recover stiffness of the pre-damaged specimen. Moreover, the lateral load capacity of the pre-damaged substandard RC frame was restored with externally bonded CFRP sheets.

• Korean Journal of Oriental Medicine
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• v.16 no.3
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• pp.115-121
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• 2010

Objectives : Quality control of the needle tips and prevention of pollutions are important factor for safe and effective acupuncture treatment. Ear acupuncture needle is made by 3 companies in Korea, and used to treat for obesity or smoking in clinic frequently, but the Korean industrial Standard is proposed most recently. In spite of the importance, there has been little study about that. Moreover, there was no study about ear acupuncture needle. Methods : We investigated the current condition of needle shape and pollution about the tips and body of the ear acupuncture needle under the stereoscopic microscope. Samples are selected 100 pieces from 300 pieces randomly in each company. Results : The substandard needles are classified into four groups and counted 1. Normal condition (55.3%), 2. Scratch on the surface (14.0%), 3. Malformation of tips (19.3%), 4. Pollution of body (4.3%), 5. Multiple Substandard (7.0%). In the case of including type 2 as a standard needle, normal rate of A company was 81% when B was 76%, and C was 51%. Conclusion : The substandard ear acupuncture needles can induce local side effects such as needling pain or itching. Furthermore, it can disturb the proper effect of acupuncture treatment. We hope that this study can help to improvequality of ear acupuncture and reduce substandard rate for safe and effective ear acupuncture treatment.

• The Journal of the Korea Contents Association
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• v.14 no.7
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• pp.169-177
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• 2014

Recently, this government is implementing the "eradication of four social evils" policy to root out social evils which includes sexual violence, school violence, domestic violence and substandard food. In retrospect, these social evils are the crimes that have sprung from rapid social changes in Korea. These main four crimes not only badly affect certain victims but also spread their viciousness to broad population. Moreover, the prevention of the occurrence of the crime and the problem solving as an individual unit are hardly possible. Due to their critical effects and continuity, governmental safety policy enforcement is achieving higher support. As an alliance with the calling from the public for happier and safer life, this paper especially focus on regulating substandard food issue, according to the idea that food safety is an essential prerequisite for the healthy and happy life of the people. Through the reviewing, definition of the substandard food will be cleared and specified substandard food crimes will be introduced as well. And the paper will also pose questions in order to propose improved legal measures against the existing regulations, such as newly adding additional penalty article to food sanitation law.

• The Journal of the Korean life insurance medical association
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• v.2 no.1
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• pp.3-16
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• 1985

Necessity of life insurance is stronger for people who feel some anxiety of their health. However, in fact, it is not permitted for them to get a contract, because life insurance stands on the mutual benefit system. Life insurance must be impartial to all applicants. However, it is very reasonable that an applicant, who has high medical impairment like heart infarction or cancer, is rejected, to have a contract by underwriting decision. On the other hand, if his medical impairment is not so severe, we might accept his application by giving some restriction. Numericalratingsystem by hunter-rogers gave us one of solutions to this problem. We can keep impartiality by using more restrictive decision, in order that we demand additional payment to the impairment applicant according to his mortality. We call this system as substandard life insurance. In this system we need detail information about impairments of applicants in order to decide the condition of substandard risks. Therefore, medical examiners are required to have high diagnostic technique.

• Earthquakes and Structures
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• v.6 no.6
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• pp.665-687
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• 2014

This paper presents a framework for analytical seismic vulnerability assessment of substandard reinforced concrete (RC) structures in developing countries. Amodified capacity-demand diagram method is used to predict the response of RC structures with degrading behaviour. A damage index based on period change is used to quantify the evolution of damage. To demonstrate the framework, a class of substandard RC buildings is examined. Abrupt accumulation of damage is observed due to the brittle failure modes and this is reflected in the developed vulnerability curves, which differ substantially from the curves of ductile structures.

• Earthquakes and Structures
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• v.17 no.3
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• pp.283-295
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• 2019

During the seismic performance assessment of existing buildings, staircases are generally not taken into account as structural members but as dead load. Staircases, as secondary structural members, not only serve for connecting successive floors but also provide considerable amount of strength and stiffness to the building which can modify its seismic behaviour considerably. In this parametric study, the influence of staircases on the seismic response of substandard RC frame buildings which differ in number of storey and span, presence of staircase and its position has been examined. Modal Analyses and bi-directional Non-Linear Time History Analyses (NLTHA) were conducted to compare several engineering demand parameters (EDPs) such as inter-storey drift ratio (ISDR), floor accelerations, modal properties, member shear forces and plastic hinge distribution. Additionally, short column effect, variation in shear forces of columns that are attached to the staircase slab, failure and deformation in staircase models have also been investigated. As the staircase was considered in the analytical model, a different damage pattern can be developed especially in the structural components close to staircase.

• 한국사회정책
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• v.25 no.3
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• pp.75-101
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• 2018

The purpose of the study was to examine the difference of housing welfare outcomes between public rental housing and market rental housing. Housing welfare is defined as living at adequate, affordable housing with stability and measured as substandard housing, unaffordable housing, unstable housing. This study was based on 2016 Housing Fact Finding Survey, sampled the households which their incomes are below 120% average income of city workers. This study controlled the socio-economic characters of householders to identify the difference of housing welfare performance between public and market rental housing. The study showed the ratios of public rental housing of substandard housing and unaffordable housing are not low. But It is revealed that the achievements of housing welfare of the public rental housing are better than market rental housing and the differences between them are more consistent after controlling the socio-economic characters of householders. The problems of substandard housing, unaffordable housing and unstable housing in market rental housing are more than public rental housing. This study provides the basis that the regulation for market tenant protection should be reinforced and the policy of public housing should be expanded and improved for housing welfare.

• Korean Journal of Social Welfare
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• v.67 no.2
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• pp.137-159
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• 2015

This longitudinal study examined the influence of substandard housing conditions and housing affordability on physical and mental health. Using data from the Korea Welfare Panel Study, this study followed 8,583 adults who continued to participate in the survey from 2009 to 2013. Multivariate analyses involved linear and logistic regression models with the hybrid method that incorporates both fixed and random effects. Results show that substandard housing conditions and excess housing cost burden had significant adverse effects on adults' mental health (e.g., depressive symptoms). About one fourth of the entire sample and one third of those in poverty reported having lived in substandard housing conditions. Additionally, nearly one fourth of those in poverty reported having experienced excess housing cost burden, which is 4 times greater than that of the entire sample. Our findings show that a substantial proportion of individuals, particularly among the poor, have a difficulty in accessing to decent, affordable housing, and that housing assistance may have additional benefits of improving the mental health of individuals with housing issues.