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http://dx.doi.org/10.5392/JKCA.2020.20.03.092

Gender Differences in Factors Affecting Purchase of Indemnity Private Health Insurance and Impact of Indemnity Private Health Insurance on Healthcare Use: Korea Health Panel Survey Data from 2010 to 2016  

You, Chang Hoon (연세대학교 보건대학원)
Kwon, Young Dae (가톨릭대학교 의과대학 인문사회의학과/의료경영연구소)
Publication Information
The Journal of the Korea Contents Association / v.20, no.3, 2020 , pp. 92-105 More about this Journal
Abstract
This study was aimed to identify factors affecting the purchase of indemnity private health insurance and analyze its effect on healthcare utilization by gender. This study analyzed data of the 2010-2016 Korea Health Panel Survey using panel logit model and panel regression model. Men were less likely to purchase indemnity private health insurance than women. Self-rated health and unmet need for healthcare in women were related to insurance purchases. In men, married people and residents of the metropolitan area were more likely to purchase. The indemnity private health insurance did not affect the women's outpatient expenses per visit, but for men it increased. The indemnity private health insurance significantly increased women's inpatient expenses per admission, but it did not affect men's inpatient expenses. This study confirmed gender differences in the factors affecting the purchase of indemnity health insurance and the impact of indemnity health insurance on healthcare utilization. This suggests that gender differences should be taken into account in private health insurance research and institutional operation.
Keywords
Gender Difference; Indemnity Private Health Insurance; Panel Analysis; Healthcare Utilization;
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