국민건강보험 건강검진코호트DB와 표본코호트DB 를 활용한 크라운, 치수치료 담보 치아보험 상품의 상대위험도 연구

This study uses the National Health Insurance's health check-up DB and sample cohort DB to develop new products to expand insurance coverage for patients with dental caries and periodontal disease who have difficulty in obtaining insurance for crowns and pulpal treatment insurance products. When the period of observation of periodontal disease treatment is shortened from 5 years immediately before the base year (2007) to 1 year, the relative ratio of the new enrollment group (disease-free B) to the existing enrollment group (disease-free A) was calculated based on the negative binomial regression model. The health examination DB and the sample cohort DB showed almost similar results in the relative risk by collateral, although the incidence of treatment by collateral was different. As a result of calculating the relative risk, the relative risks of crown treatment and dental pulp treatment for dental caries were around 1.02, while for periodontal disease, it was 1.03 to 1.05, indicating that the possibility of premium for periodontal disease is greater than for dental caries when subscription conditions are relaxed. Since the relative risk varies depending on the treatment method of oral disease, the observation period, and the setting of subscription standards, various and subdivided product development can be developed considering these factors.