북한의 인체보험 제도와 실태

Abstract

The purpose of this study is to investigate the correspondence between the system and reality through the analysis of the system and actual condition of North Korean human insurance. To do this, we analyzed the documents based on North Korean laws and dictionaries, and interviewed North Korean defectors. As a result of examining laws and dictionaries, it can be said that human insurance has an income guarantee mechanism as a long-term savings repayment method of accumulation. In the case of perfect consistency, the insurance premiums are the premiums in the form of voluntary subscription, accrual method, long-term savings and return type insurance, lump sum expiration and death benefit, and maturity and death benefit levels. In the case of partial consistency, there is a group subscription in the subscription method but there is no individual subscription, death claims in which there is a contradictory claim on the existence of the system, payment method of the workplace, the existence of a broker is an unconfirmed delivery system. In the case of complete inconsistency, there is no labor capacity loss allowance, complete loss of ability to work, and exemption from premiums for partial loss. Through this study, it is expected that the understanding of North Korean human insurance will be expanded and it will be used as basic data for future integration of the inter-Korean system. Furthermore, it is hoped that South Korea’s insurance research will spread the unification perspectives in accordance with the improvement of inter-Korean relations.