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http://dx.doi.org/10.22156/CS4SMB.2021.11.10.194

Influencing Factors to Enrollment in Private Health Insurance and Medical Use by Life Cycle : Analysis of 2016-2019 Korea Welfare Panel  

Kim, Ji-On (Dept of Health Care Management, Catholic University of Pusan)
Publication Information
Journal of Convergence for Information Technology / v.11, no.10, 2021 , pp. 194-204 More about this Journal
Abstract
This study was conducted to find out the status and factors of private health insurance subscriptions by life cycle and to identify differences in medical usage behavior by life cycle. Using the SPSS 26 program as the 12th-15th (2016-2019) data of the Korea Welfare Panel, the difference subscriptions was identified as Chi-square by demo social and health characteristics of 58,223 people, and the factors affecting subscription were analyzed by polynomial logistic analysis and average analysis was performed for medical use behavior. As a result of the analysis, the biggest factor in purchasing private health insurance was household income, private health insurance coverage is the highest in growth period, and multiple subscriptions were made depending on household income. In youth, household income, spouse, and no disability, and middle age, household income, economic activities, spouses, and health levels were largely influential factors. The rate of private health insurance coverage in old age was the lowest, and low-income households, poor health levels, and people with disabilities were lower. The increase in medical use by private health insurance subscribers also occurred during growth and youth. It is necessary to strengthen the national health insurance coverage, and the role of private health insurance to supplement it should be established in time for the life cycle to complement each other, eliminating blind spots of medical security and maximizing people's health and well-being.
Keywords
Private Health Insurance; Life Cycle; Medical Use; National Health Insurance Coverage; Korea Welfare Panel;
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