6 research outputs found

    ๅคฑๆฅญ่€…ๅ†ๅฐฑ่ท่จ“็ทดๆ”ฟ็ญ–์˜ ๅŸท่กŒ์— ๊ด€ํ•œ ็ก็ฉถ

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    ํ•™์œ„๋…ผ๋ฌธ(์„์‚ฌ)--์„œ์šธ๋Œ€ํ•™๊ต ํ–‰์ •๋Œ€ํ•™์› :ํ–‰์ •ํ•™๊ณผ ํ–‰์ •ํ•™์ „๊ณต,2002.Maste

    Priority setting for expanding health insurance benefits coverage item : AHP applied : AHP๊ธฐ๋ฒ• ์ ์šฉ

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    ๋ณด๊ฑด์ •์ฑ…๊ด€๋ฆฌํ•™๊ณผ/์„์‚ฌ[ํ•œ๊ธ€]์ด ์—ฐ๊ตฌ๋Š” ๊ฑด๊ฐ•๋ณดํ—˜์˜ ๋ณด์žฅ์„ฑ๊ฐ•ํ™”๋ฅผ ์œ„ํ•œ ๋ณดํ—˜๊ธ‰์—ฌ ํ™•๋Œ€ ์šฐ์„  ํ•ญ๋ชฉ ๊ฒฐ์ •์„์œ„ํ•˜์—ฌ ๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€ ๋ฐ ์ด์— ๋Œ€ํ•œ ์ค‘์š”๋„ ๊ฐ€์ค‘์น˜๋ฅผ ๋„์ถœํ•˜๋ฉฐ, ๋„์ถœ๋œ ์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€์˜ ์ค‘์š”๋„ ๊ฐ€์ค‘์น˜๋ฅผ ๋น„๊ธ‰์—ฌํ•ญ๋ชฉ์— ์ ์šฉํ•˜์—ฌ ๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„ ํ•ญ๋ชฉ์„ ์ฐพ๊ณ ์ž ํ•˜๋Š” ๊ฒƒ์œผ๋กœ, ๋ณด๊ฑด์˜๋ฃŒ์ „๋ฌธ๊ฐ€ ๋ฐ ํ•™๊ณ„ ๋“ฑ์„ ๋Œ€์ƒ์œผ๋กœ ํŒฉ์Šค ๋ฐ e-mail๋กœ ์„ค๋ฌธ ์กฐ์‚ฌ๋ฅผ ์‹ค์‹œํ•˜์—ฌ ํšŒ์ˆ˜๋œ 80๊ฐœ ์„ค๋ฌธ์ž๋ฃŒ๋ฅผ ๋ถ„์„ํ•˜์˜€๋‹ค. ๋ถ„์„๋ฐฉ๋ฒ•์€ ์ง‘๋‹จ์˜์‚ฌ๊ฒฐ์ •๋ฐฉ๋ฒ•๋ก  ์ค‘ ํ•˜๋‚˜์ธ AHP๋ถ„์„๋ฐฉ๋ฒ•์„ ์ ์šฉํ•˜์˜€๋‹ค. ์—ฐ๊ตฌ์˜ ์ฃผ์š”๊ฒฐ๊ณผ๋Š” ๋‹ค์Œ๊ณผ ๊ฐ™๋‹ค.๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„  ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€์œผ๋กœ๋Š” โ€œํ™˜์ž๋ณธ์ธ๋ถ€๋‹ดํฌ๊ธฐโ€, โ€œ์œ„๊ธ‰์„ฑโ€,โ€œ์งˆ๋ณ‘์˜ ์ค‘์ฆ๋„โ€, โ€œํ›„์œ ์žฅ์•  ์‹ฌ๊ฐ์„ฑโ€, โ€œํ•ด๋‹น์งˆ๋ณ‘์˜ ํ™˜์ž์ˆ˜โ€, โ€œ์น˜๋ฃŒํšจ๊ณผ์„ฑโ€, โ€œ๋น„์šฉํšจ๊ณผ์„ฑโ€, โ€œ๋Œ€์ฒด๊ฐ€๋Šฅ์„ฑโ€ ๋“ฑ 8๊ฐ€์ง€๊ฐ€ ๋„์ถœ๋˜์—ˆ๋‹ค.๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€์˜ ์ค‘์š”๋„ ๊ฐ€์ค‘์น˜ ์ˆœ์œ„๋Š” 1์ˆœ์œ„๊ฐ€ โ€œ์งˆ๋ณ‘์˜ ์ค‘์ฆ๋„โ€, ๊ทธ ๋‹ค์Œ์œผ๋กœ๋Š” โ€œ์œ„๊ธ‰์„ฑโ€, โ€œํ›„์œ ์žฅ์•  ์‹ฌ๊ฐ์„ฑโ€, โ€œ์•ˆ์ „์„ฑยท์น˜๋ฃŒํšจ๊ณผ์„ฑโ€, โ€œํ™˜์ž ๋ณธ์ธ๋ถ€๋‹ด์•ก์˜ ํฌ๊ธฐโ€, โ€œ๋น„์šฉํšจ๊ณผ์„ฑโ€, โ€œ์งˆ๋ณ‘ํ™˜์ž์ˆ˜โ€์ˆœ์œผ๋กœ ๋‚˜ํƒ€๋‚ฌ์œผ๋ฉฐ โ€œ๋Œ€์ฒด๊ฐ€๋Šฅ์„ฑโ€์€ ๊ฐ€์žฅ ๋‚ฎ์€ ์ˆœ์œ„์ธ 8์œ„๋ฅผ ๋ณด์—ฌ์ฃผ๊ณ  ์žˆ๋‹ค.์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€๋ณ„๋กœ ๋„์ถœ๋œ ์ค‘์š”๋„ ๊ฐ€์ค‘์น˜์— ํ•ด๋‹น ๋น„๊ธ‰์—ฌํ•ญ๋ชฉ๋ณ„ ์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€์— ๋Œ€ํ•œ ์ถฉ์กฑ๋„๋ฅผ ๊ณฑํ•œ ๊ฐ’์˜ ํ•ฉ์— ์˜๊ฑฐ ์„ ์ •๋œ ๋ณดํ—˜๊ธ‰์—ฌํ™•๋Œ€ ํ•ญ๋ชฉ์œผ๋กœ๋Š” 1์ˆœ์œ„๊ฐ€ โ€œ์•ˆ๋ฉดํ™”์ƒ์ˆ˜์ˆ (๋ฐ˜ํ”๊ตฌ์ถ•์„ฑํ˜•์ˆ ๊ฐœ๋…)โ€, 2์ˆœ์œ„๋Š” โ€œ์„ ์ฒœ์„ฑ๋Œ€์‚ฌ์ด์ƒ๊ฒ€์‚ฌโ€์˜€์œผ๋ฉฐ, โ€œ์†Œ์ดยท๋ฌด์ด์ฆ์˜ ์™ธ์ด์žฌ๊ฑด์ˆ โ€๊ณผ โ€œ์†Œ์•„์˜ˆ๋ฐฉ์ ‘์ข…โ€์€ 3์ˆœ์œ„๋ฅผ, โ€œํ˜ธ์Šคํ”ผ์Šคโ€์™€ โ€œ๋…ธ์ธํ‹€๋‹ˆโ€๊ฐ€ 5์ˆœ์œ„๋ฅผ ์ฐจ์ง€ํ•˜์˜€์œผ๋ฉฐ, ๊ทธ ๋‹ค์Œ์œผ๋กœ๋Š” โ€œ์–ธ์–ด์น˜๋ฃŒโ€, โ€œ๋“ฑ๋ก ์žฅ์• ์ธ์—๊ฒŒ ๊ธ‰์—ฌ๋˜๋Š” ๊ฒฝ์šฐ๋ฅผ ์ œ์™ธํ•œ ๋ณด์žฅ๊ตฌโ€, โ€œ์‚ฐ์ „๊ฒ€์‚ฌ ์ค‘ ์–‘์ˆ˜๊ฒ€์‚ฌยท์œต๋ชจ๋ง‰๊ฒ€์‚ฌโ€, โ€œ์น˜๊ณผ๊ด‘์ค‘ํ•ฉ๋ณตํ•ฉ๋ ˆ์ง„โ€, โ€œ์น˜๊ณผ๋ณด์ฒ โ€, โ€œ์น˜์„์ œ๊ฑฐโ€, โ€œ๋ผ์‹์ˆ˜์ˆ โ€, โ€œ์™ธ๋ชจ๊ฐœ์„ ๋ชฉ์ ์˜ ์•…์•ˆ๋ฉด๊ต์ •์ˆ˜์ˆ โ€, โ€œ์™ธ๋ชจ๊ฐœ์„ ๋ชฉ์ ์˜ ๊ต์ •์น˜๋ฃŒโ€๊ฐ€ ์ฐจ์ง€ํ•˜์˜€์œผ๋ฉฐ, โ€œํ•œ๋ฐฉ๋ฌผ๋ฆฌ์š”๋ฒ•โ€๊ณผ โ€œํ•œ๋ฐฉ์ฒฉ์•ฝโ€์˜ ๊ฒฝ์šฐ๋Š” ์šฐ์„ ์ˆœ์œ„์—์„œ ์„ ํ˜ธ๋„๊ฐ€ ๋†’์ง€ ์•Š์€ ๊ฒƒ์œผ๋กœ ๋‚˜ํƒ€๋‚ฌ๋‹ค. ๋˜ํ•œ ๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€๋ณ„ ์ค‘์š”๋„ ๊ฐ€์ค‘์น˜๋ฅผ ์ ์šฉํ•œ ๋ณดํ—˜๊ธ‰์—ฌํ™•๋Œ€ ํ•ญ๋ชฉ ์ค‘ ์งˆ๋ณ‘ ์ธก๋ฉด์—์„œ ์ ‘๊ทผํ•œ ์ดˆ์ŒํŒŒ, PET, MRI์— ์žˆ์–ด์„œ๋Š”, ์ดˆ์ŒํŒŒ์˜ ๊ฒฝ์šฐ๋Š” ์šฐ์„ ์ˆœ์œ„๊ฐ€ โ€œ์•…์„ฑ์ข…์–‘(์•”)โ€๊ณผ โ€œ์‹ฌ์žฅ์งˆํ™˜โ€, โ€œ๋‡Œํ˜ˆ๊ด€์งˆํ™˜โ€ ๋ฐ โ€œ๋‡Œ์งˆํ™˜โ€ ์ˆœ์ด๋ฉฐ, ๊ทธ ๋‹ค์Œ์œผ๋กœ๋Š” โ€œ๊ฐ„ ๋ฐ ๋‹ด๋‚ญ์งˆํ™˜โ€, โ€œ์‹ ์žฅ์งˆํ™˜โ€๊ณผ โ€œ๋ง์ดˆ๋™๋งฅ์งˆํ™˜โ€, โ€œ๋ณต๋ถ€์งˆํ™˜โ€, โ€œ์œ ๋ฐฉ์งˆํ™˜โ€ ์ˆœ์œผ๋กœ ๋‚˜ํƒ€๋‚˜๊ณ  ์žˆ์œผ๋ฉฐ, PET์˜ ๊ฒฝ์šฐ์—๋„ ์ดˆ์ŒํŒŒ์˜ ๊ฒฐ๊ณผ์™€ ๋™์ผํ•˜๊ฒŒ ์ค‘์ฆ์งˆํ™˜ ์šฐ์„ ์˜ ๊ฒฐ๊ณผ๋กœ โ€œ์‹ฌ์žฅ์งˆํ™˜โ€, โ€œ์•…์„ฑ์ข…์–‘โ€, โ€œ๋‡Œ์งˆํ™˜โ€ ์ˆœ์œผ๋กœ ๋‚˜ํƒ€๋‚ฌ์œผ๋ฉฐ. MRI์˜ ๊ฒฝ์šฐ์—๋Š” 1์œ„๊ฐ€ โ€œ์‹ฌ์žฅ์งˆํ™˜โ€, 2์œ„๊ฐ€ โ€œ์ฒ™์ถ”์งˆํ™˜โ€, 3์œ„๋Š” โ€œ์–‘์„ฑ์ข…์–‘โ€์œผ๋กœ ๋‚˜ํƒ€๋‚ฌ๋‹ค.์œ„์˜ ๊ฒฐ๊ณผ๋Š” ๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„ ์ˆœ์œ„์— ์žˆ์–ด์„œ โ€œ์งˆ๋ณ‘์˜ ์ค‘์ฆ๋„โ€์™€ โ€œ์œ„๊ธ‰์„ฑโ€, โ€œํ›„์œ ์žฅ์•  ์‹ฌ๊ฐ์„ฑโ€ ๋“ฑ์˜ ์„ ์ •๊ธฐ์ค€์ด ์ตœ์šฐ์„ ์œผ๋กœ ๊ณ ๋ ค๋œ ๊ฒฐ๊ณผ๋กœ ์ด์— ๋Œ€ํ•œ ์˜ํ–ฅ์ด ๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„ ํ•ญ๋ชฉ ์„ ์ •์‹œ ๊ฒฐ์ •์ ์ธ ์ž‘์šฉ์„ ํ•œ ๊ฒƒ์œผ๋กœ ๋ณด์—ฌ์ง€๊ณ  ์žˆ๋‹ค.๊ทธ๋Ÿฌ๋‚˜, ๊ธ‰์—ฌํ™•๋Œ€ ์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€์— ์žˆ์–ด์„œ โ€œ์•ˆ์ „์„ฑยท์น˜๋ฃŒํšจ๊ณผ์„ฑโ€๊ณผ โ€œ๋น„์šฉํšจ๊ณผ์„ฑโ€์ด โ€œ์งˆ๋ณ‘์˜ ์ค‘์ฆ๋„โ€์— ๋น„ํ•˜์—ฌ๋Š” ์•„๋ž˜ ์ˆœ์œ„๋ฅผ ๋‚˜ํƒ€๋‚ด๊ณ  ์žˆ๋Š” ๊ฒƒ์€ ํ˜„์žฌ ์‹ ์˜๋ฃŒ๊ธฐ์ˆ  ๊ฒ€ํ† ์‹œ ์˜๋ฃŒํ–‰์œ„์˜ โ€œ์•ˆ์ „์„ฑยท์œ ํšจ์„ฑโ€๊ณผ โ€œ๋น„์šฉํšจ๊ณผ์„ฑโ€๋“ฑ์ด ๋ณดํ—˜๊ธ‰์—ฌ ๊ฒฐ์ •์˜ ์ฃผ์š” ์š”์ธ์œผ๋กœ ์ž‘์šฉํ•˜๊ณ  ์žˆ๋Š” ๊ฒƒ๊ณผ ๋Œ€์กฐ์ ์ธ ๊ฒฐ๊ณผ๋ฅผ ๋ณด์—ฌ์ฃผ๊ณ  ์žˆ๋‹ค. ์ด๋Š” ์ค‘์ค‘์งˆํ™˜์ด๋ผ๊ณ  ํ•˜์—ฌ ํ™˜์ž ๋ถ€๋‹ด ์ ˆ๊ฐ ์ฐจ์›์—์„œ ๋ฌด์กฐ๊ฑด ๋ณดํ—˜๊ธ‰์—ฌ๋Œ€์ƒ์ด ๋˜์–ด์•ผ ํ•œ๋‹ค๋Š” ๊ฒƒ์€ ํ•œ์ •๋œ ์žฌ์›์˜ ํšจ์œจ์  ํ™œ์šฉ์ด๋ผ๋Š” ์ธก๋ฉด์—์„œ ๋ณผ ๋•Œ ๋ฐ˜๋“œ์‹œ ๊ฒ€ํ† ๊ฐ€ ๋˜์–ด์•ผ ํ•˜๋ฉฐ, ๊ฑด๊ฐ•๋ณดํ—˜ ๋ฐ ๋ณด๊ฑด์˜๋ฃŒ์ œ๋„์˜ ์žฅ๊ธฐ์  ๋ฐœ์ „์„ ์œ„ํ•ด โ€œ์•ˆ์ „์„ฑยท์œ ํšจ์„ฑโ€, โ€œ๋น„์šฉํšจ๊ณผ์„ฑโ€ ๋“ฑ์„ ๊ฐ์•ˆํ•˜์—ฌ ์ค‘์ฆ์งˆํ™˜์— ๋Œ€ํ•œ ๋ณดํ—˜ ๊ธ‰์—ฌ๊ฐ€ ๊ฒฐ์ •๋˜์–ด์•ผ ํ•  ๊ฒƒ์œผ๋กœ ๋ณด์ธ๋‹ค. ๋”ฐ๋ผ์„œ, ์šฐ์„ ์ˆœ์œ„์˜ ๊ฐ€์ค‘์น˜ ์ธก๋ฉด์—์„œ โ€œ์งˆ๋ณ‘์˜ ์ค‘์ฆ๋„โ€, โ€œํ›„์œ ์žฅ์•  ์‹ฌ๊ฐ์„ฑโ€ ์ด์™ธ โ€œ์•ˆ์ „์„ฑยท์น˜๋ฃŒํšจ๊ณผ์„ฑโ€๊ณผ โ€œ๋น„์šฉํšจ๊ณผ์„ฑโ€ ๋“ฑ์ด ์ ์ ˆํžˆ ์กฐํ•ฉ๋˜๊ฑฐ๋‚˜ ํ˜น์€ ๊ฐ€์ค‘์น˜์˜ ์ •๋„๋ฅผ ๋‹ฌ๋ฆฌํ•˜๋Š” ๋ฐฉ๋ฒ•๋„ ์ถ”ํ›„ ๊ณ ๋ คํ•  ํ•„์š”๊ฐ€ ์žˆ๋‹ค๊ณ  ํŒ๋‹จ๋œ๋‹ค.๋‹ค๋งŒ, ๋ณธ ์—ฐ๊ตฌ๋Š” ๋ณดํ—˜๊ธ‰์—ฌ ํ™•๋Œ€ ์šฐ์„ ์ˆœ์œ„ ์„ ์ •๊ธฐ์ค€ ๋ฐ ์šฐ์„ ํ•ญ๋ชฉ ๋„์ถœ์„ ์œ„ํ•˜์—ฌ ๊ณ„์ธต์  ๋ถ„์„๋ฐฉ๋ฒ•์— ์˜ํ•œ ๋ฐฉ๋ฒ•์„ ์ถฉ๋ถ„ํžˆ ๊ณผํ•™์ ์œผ๋กœ ์‚ฌ์šฉํ•˜์—ฌ ์ฒ™๋„ํ™”ํ•  ์ˆ˜ ์žˆ์Œ์„ ์‹œ์‚ฌํ•œ ๊ฒƒ์œผ๋กœ, ์ง€์†๊ฐ€๋Šฅํ•œ ๊ฑด๊ฐ•๋ณดํ—˜์˜ ๋ณด์žฅ์„ฑ ํ™•๋Œ€๋ฅผ ์œ„ํ•œ ๋ฐฉ๋ฒ•๋ก  ๊ฐœ๋ฐœ์„ ์œ„ํ•œ ๊ธฐ๋ฐ˜์„ ๋งˆ๋ จํ•˜์˜€๋‹ค๋Š” ์ ์—์„œ ํฐ ์˜๋ฏธ๋ฅผ ๋‘˜ ์ˆ˜ ์žˆ๋‹ค๊ณ  ํ‰๊ฐ€๋œ๋‹ค. [์˜๋ฌธ]This study is to decide on prioritizing the expanded health insurance benefit coverage items for securing the health insurance. With the criteria for giving priority to the expanded insurance benefit coverage items, an importance weight is revealed for each item, and the importance weight is added to the non covered benefit item for prioritizing the expanded insurance benefit coverage items. To carry out this research, questionnaires were sent to public health experts and the academic community by fax and email, and 80 of them were collected and evaluated. The method of evaluation applied is AHP, one of the methods of decision for a group.ยทFindings of the study are as follow.For the criteria in prioritizing the expanded insurance benefit coverage items, โ€œthe amount of patient''s medical chargeโ€, โ€œthe urgency of need for careโ€, "the severity of the diseaseโ€œ, โ€œthe severity of the disability from a diseaseโ€, โ€œthe number of patients for the related illnessโ€, โ€œsafety and effectiveness of interventionโ€, โ€œcost-effectivenessโ€, โ€œ alternative possibilityโ€ etc. are discovered.The top priority among importance weights for the expanded insurance benefit coverage items is the severity of the disease. The next comes in the order named as follows: โ€œthe urgency of need for careโ€, โ€œthe severity of disability from a diseaseโ€, โ€œsafety and effectiveness of interventionโ€, โ€œthe amount of patientโ€˜s medical chargeโ€, โ€œcost-effectivenessโ€, โ€œthe number of patients for related illnessโ€. โ€œAlternative possibilityโ€ is recognized in the lowest rank.According to the sum of the values of multiplying the importance weights (revealed by the criteria for prioritizing) by sufficiency of each non covered benefit item for the criteria for prioritizing, the selected top priority in the expanded insurance benefit coverage items is โ€œface burn operation(release of scar contracture)โ€, the second one is โ€œcongenital metabolic disorder testโ€, the third ones are โ€œreconstruction of microtraยทanotiaโ€, โ€œpediatric vaccinationโ€, the fifth one is "hospice". The following ones are โ€œsenile dentureโ€, โ€œspeech therapyโ€, โ€œprosthesis excluding the ones covered for registered disabled peopleโ€, โ€œamniocentesisยทchronic villus sampling for pregnancyโ€, โ€œdental light curing complex resin fillingโ€, โ€œdental prosthesisโ€, โ€œscalingโ€, โ€œlasik operation(for the visual acuity correction)โ€, โ€œcorrective osteotomy of mandibular and zygomatic bone for the purpose of makeoverโ€, โ€œcorrective therapy for the purpose of makeoverโ€It does not show a lot of preferences for โ€œoriental physical therapyโ€, โ€œherbal medicineโ€ in prioritizing.Also, when Ultrasound scanner, PET, MRI are approached in the aspect of diseases, the expanded health insurance benefit coverage items are โ€œmalignant tumor(cancer)โ€, โ€œheart diseaseโ€, โ€œcerebrovascular diseaseโ€ and โ€œcerebral diseaseโ€ for Ultrasound scanner. โ€œliver and gallbladder diseaseโ€, โ€œkidney diseaseโ€ and โ€œperipheral artery diseaseโ€, โ€œabdominal diseaseโ€, โ€œbreast diseaseโ€ are followed. PET has the same result as Ultrasound scanner has. Severe diseases come first: โ€œheart diseaseโ€, โ€œmalignant tumorโ€, โ€œcerebral diseaseโ€. For MRI, the result shows that the first is the "heart disease", the second is "spinal disease" , and the third is "benign tumor".The findings above shows that the severity of disease and the urgency of need for care, the severity of disability from a disease etc. are given the highest priority in prioritizing and this acts on selecting the items that should be considered decisively.However, in selecting the criteria for priority to the expanded insurance benefit coverage items, safety and effectiveness of intervention and cost-effectiveness take lower priority than the severity of the disease. In contrast, when new technology is examined, safety, efficacy and cost effectiveness of health technology are the important factors in deciding on insurance benefit coverage. The fact that patients with a serious illness should be counted in as an insurance benefit coverage subject to reduce the medical expenses paid out of patients'' pockets should be reviewed for efficient use of the limited funds. For the long-term development of health insurance and public health system, insurance benefit coverage on serious illnesses should be determined in consideration of the safety, efficacy and cost effectiveness, etc.Therefore, in view of weights in prioritizing, it is concluded that the severity of diseases, the severity of disability from a disease, safety, efficacy and cost effectiveness, etc. should be properly combined, or different levels of weights should be considered later.This study states that the classified analytical method can be used scientifically and can be a measure for selecting the criteria for prioritizing the expanded insurance benefit coverage items or for discovering the items prioritized. And we can put a lot of significance on laying a cornerstone for the development of methods that could be used for extending security of the continuous health insurance.ope

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