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손재희,천병렬,예민해,이경은,이삼순,이영석,김봉기 한국역학회 2002 Epidemiology and Health Vol.24 No.2
Purpose : This study was conducted to estimate the prevalence of osteoporosis and to identify the related factors of bone mineral density (BMD) in rural postmenopausal women. Methods : There hundred ninety postmenopausal women in a rural area were examined in 1999 Their BMDs of the lumbar spine (L1-L3) were measured by a quantitative computerized tomography (QCT) and their height and weight were measured. A questionnaires interviewing method was used to collect risk factor data. Results : The prevalence of osteoporosis in postmenopausal women of 40-69 years old was 89.2% by reference value of UCSF(University of California, Sanfrancisco), however, changed to 63.1% by that of Korean. From simple analyses, age(p<0.01), duration after menopause (p<0.01), menstrual regularity(p<0.05), delivery frequencies (p<0.01), breast feeding years (p<0.01), alcohol intake(p<0.01), and smoking(p<0.05) were significant risk factors relating to BMD. In multiple linear regression analysis, duration after menopause(p<0.01), menstrual regularity(p<0.05), and breast feeding years (p<0.05) proved to be significant risk factors. However dietary factors and life style were not significantly associated with BMD. Conclusions : The significant risk factors of postmenopausal women in a rural area relating to BMD were duration after menopause, menstrual regularity, and breast feeding duration.
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손재희,이소양 보험연구원 2021 KIRI Weekly(주간포커스) Vol.520 No.-
○ 디지털 기술의 확산으로 다양한 보건의료 데이터 집적과 활용에 대한 관심이 높아지면서 정부는 보건의료 데이터 활용을 지원하고 있으나, 이를 보험산업 내 공유하는 사례는 찾아보기 힘든 상황임 · 정부는 보건의료 데이터의 결합지원을 위한 결합전문기관을 본격 가동(’21. 2. 9)하고 공공기관 및 개인의료 데이터가 공존하는 플랫폼 구축을 위한 마이 헬스웨이 도입을 발표(’21. 2. 24)함 · 국내 보건의료 데이터는 최근 데이터 3법 시행으로 데이터의 안전한 활용을 위한 기반이 마련되었으나, 공유에 대한 정보유출과 영리목적 활용에 대한 우려로 민간 보험회사와 공유한 사례가 없음 ○ 핀란드, 대만 등은 이미 보건의료 데이터 활용의 잠재적 가치에 주목하고 국가 자산화를 위한 전략을 구축하였으며 혁신적 가치 창출을 위해 개방과 공유를 통한 시장참여자의 자발적 참여를 독려함 · 핀란드는 중앙집중식 데이터 통합시스템인 칸타 시스템을 구축하고, 데이터 활용 활성화를 위해 2차 데이터 활용법을 개정하여 다양한 기업들이 공공 보건의료 통합데이터를 활용할 수 있게 함 · 보건의료 데이터 공유에 보수적 입장을 유지해 온 대만도 데이터 가치 창출을 위한 Private-Public Partnership(PPP)을 강조하고 최근 민간 보험회사에게 보건의료 데이터의 부분공유를 허용함 ○ 국가 사회안전망의 제공자 중 하나로 보험업은 보건의료 데이터 분석을 통해 건강위험 인수역량을 강화할 수 있으며, 특히 디지털 헬스케어서비스 제공으로 국민의 건강관리 능력 향상에 기여할 수 있음 · 보험회사는 공공 보건의료 데이터를 활용해 개별화된 위험을 분석하고, 이를 기반으로 소비자 만족을 높일 수 있는 보험상품 및 서비스를 제공할 수 있음 ○ 이를 위해 보건의료 데이터 공유에 대한 정서적 불안감을 불식시킬 수 있는 보험업권의 노력이 우선 되어하며, 더불어 개인정보 침해 발생 시 정보 보유자 구제방안 등 구체적 제도 마련도 필요함 · 보험업계는 소비자 신뢰확보를 통해 보건의료 데이터 활용에 대한 불안감을 해소해야 함 · 데이터 활용에 따른 엄격한 관리와 책임을 부과하되, 부담을 덜 수 있도록 유출피해보상보험 의무화 등도 제안 가능함
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손재희,황인창,장윤미 보험연구원 2022 연구보고서 Vol.2022 No.15
In a rapidly changing digital environment, interest in digital insurance and digital insurance companies is increasing to provide new insurance consumer experiences and create new markets. However, the definition is not yet clear, and uncertainties over digital insurance company’s business model are high. Therefore, this study aims to clarify the definition of digital insurance and digital insurance companies and to promote an integrated understanding of digital insurance companies' business models through overseas case analysis. Digital insurance can be defined as an insurance product or service that applies digital technology and data analysis throughout or in part of the insurance value chain and provides digital customer experiences to consumers through digital means. The biggest difference between InsureTech, which sells and broadcasts products based on digital technology and channels, and digital insurance companies is that they produce insurance policy directly and have risk capital provision. As a result of analysis through overseas cases, digital insurance companies have different establishment methods by region. And their business models are in line with the maturity of the insurance market and the goals they aim for, and expanding their business models in response to market changes. Considering the domestic market environment, which has a weak insuretech base and is centered on personal insurance, it is expected that business models such as platform-based service connection and independent technology-based solution will be needed to expand the market in the short term.
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손재희 외 한국역학회 2002 Epidemiology and Health Vol.24 No.2
purpose: this study was conducted to estimate the prevalence of esteoporosis and to identify the related factors of bone mineral density(BMD) in rural postmenopausal women. methods: three hundred ninety postmenopausal women in a rural area were examined in 1999. their BMDs of the lumbar spine(L1-L3) were measured by a quantitative computerized tomography(QCT) and their height and weight were measured. a questionnaires interviewing method was used to collect risk factor data. results : the prevalence of ostoeporosis in postmenopausal women of 40-69 years old was 89.2% by reference value of UCSF(university of california, sanfrancisco), however, changed to 63.1$ by that of korean. from simple analyses, age(p<0.01), duration after menopause(p<0.01), menstrual regularity(p<0.05), delivery frequencies(p<0.01), breast feeding years(p<0.01), alcohol intake(p<0.01), and smoking(p<0.05) were significant risk factors relating to BMD. in multifle linear regression analysis, duration after menopause(p<0.01), menstrual regularity(P<0.05), and breast feeding years(p<0.05) proved to be significant risk factors. however dietary factors and life style were not significantly associated with BMD. conclusions : the significant risk factors of postmenopausal women in a rural area to BMD were duration after menopause, menstrual regularity, and breast feeding duration.
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