A Study on the Rate Making Method Based on Insurable Value and Loss Cost of Each Zone(Inundation Depth)

Zone(침수심)별 보험가입목적물의 보험가액과 손해액을 이용한 보험요율산정 방안

  • Lee, Heechun (Department of Regional Infrastructure Engineering, Kangwon National University) ;
  • Lim, Hyuntaek (Department of Regional Infrastructure Engineering, Kangwon National University) ;
  • Kim, Donggyun (Department of Regional Infrastructure Engineering, Kangwon National University) ;
  • Kim, Yongtae (Dankook University) ;
  • Lee, Junseok (LX Spatial Information Research Institute) ;
  • Kim, Yongseong (Department of Regional Infrastructure Engineering, Kangwon National University)
  • 이희춘 (강원대학교 지역건설공학과) ;
  • 임현택 (강원대학교 지역건설공학과) ;
  • 김동균 (강원대학교 지역건설공학과) ;
  • 김용태 (단국대학교) ;
  • 이준석 (한국국토정보공사 공간정보연구원) ;
  • 김용성 (강원대학교 지역건설공학과)
  • Received : 2015.08.19
  • Accepted : 2015.10.07
  • Published : 2015.12.31


Generally, the rate making is made by the fundamental principle that it should be fairly differentiated in accordance with risk magnitude of insured objects. But the natural insurance is currently rated by city, country and district, which are recognized as rating units and it does not provide any reasonable discriminatory based on risk magnitude. Therefore, only those who possess the high-risked objects of insurance are strongly likely to be insured and it may also cause the problem of adverse-selection. To solve this problem, the single rate of current city, county and district is specified by six zones, depending on the size of inundation depth, as the homogeneous risk. It then suggests another way of calculating the rate making by using insurable value and loss cost of the zonal object of insurance. Then this study applied this method into calculating the zonal rates of Buk-Gu of Ulsan metropolitan city, and so on. Through making a comparison single rate with zonal rate, we confirmed the actual applicability of using this study.


Grant : 풍수해 위험도가 반영된 개별 보험요율 산정 및 지도 개발

Supported by : 국민안전처


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