인공지능 알고리즘을 통한 보건의료데이터 활용 관련 법제도적 개선방안 -보험상품의 개발 측면에서-

Unlike general data, big data has the characteristics of massive size and short-lived and irregular data generation cycle. Big data can be expected to create new values ​​in many fields. There are countless ways to use it, such as providing and promoting investment opportunities. Big data, which means large-capacity data that exceeds the scope of storage, management, and analysis in general databases, acquires or interprets new information using statistical technology, and gives predictability. The background of enabling big data is that many users input their own information necessary to receive services due to the generalization of smartphones and the development of SNS. Since the AI ​​algorithm is implemented by a machine, it can be misjudged that it is not contained in objectivity and distrust. This judgment stems from the misunderstanding that the algorithm operates solely according to defined instructions. However, it is necessary to keep in mind that algorithms can be constantly modified and adjusted in interaction with people or objects that use them. In this process, the possibility that the bias or prejudice of software developers will be reflected is by no means low. These side effects can occur in all areas where artificial intelligence algorithms are used, and the same goes for the insurance industry. Supervisors should approach in a way that grants dignity to marginalized human beings, and the supervisory authorities will have to closely supervise the algorithms used for underwriting and insurance premium calculations by insurance companies and the variables used in the algorithms for the first time. The Data 3 Act, which has been in effect since August 5, 2020, is evaluated to have laid the foundation for building a personal information protection control tower and revitalizing the data economy, but it will eliminate unreasonable regulations that are separated from reality for the transition to the data age. This leaves the task of revitalizing the data economy. On September 28, 2021, the government intends to amend the Personal Information Protection Act. Through this, the government intends to recognize the ‘right to request transmission to request the transfer of one’s personal information’ and the right of data subjects to reject automated decisions using artificial intelligence, etc. Even in order to accelerate the use of big data through artificial intelligence algorithms, measures to strengthen the rights of data subjects can be evaluated as a desirable direction.