• The Journal of the Korea Contents Association
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• v.14 no.1
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• pp.200-208
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• 2014

This study analyze long debate issues by the analysis of existing studies and the effect of private health insurance in the satisfaction of health service utilization. Then make developmental role of private health insurance. The analysis results of literatures, high-income earners are more subscriptions and the poor people in health status are excluded. Thus, enable private health insurance has the potential to lead the polarization of people. The medical use of private health insurance subscriber is more than non-subscriber and is likely to result in additional expenditure spending of public insurance. The contribution of private health insurance on improvement of the health option is clear. However, is not clear the contribution on health care quality improvement and health service customer satisfaction. The contribution on the national health care system efficiency of private health insurance is not clear. Private health insurance in the satisfaction of health service utilization is on effect. In short, supplementary private health insurance is desirable in our country.

• The Journal of the Korea Contents Association
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• v.20 no.3
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• pp.92-105
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• 2020

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.

• The Journal of the Korea Contents Association
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• v.10 no.12
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• pp.190-204
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• 2010

This study firstly examined the socioeconomic and health factors associated with infiltration of private health insurance. Secondly, we compared health behavior, outpatient and inpatient use of private health insured with uninsured. The method of this study is that secondary analysis of the 2008 Korea National Health and Nutrition Survey was conducted for 7178 respondents aged 19 over. We use the logistic regression and t-test for data analysis. The first dependent variable was dichotomy which is divided to private health insured or uninsured and the second dependent variable was the presence and frequency of outpatient and inpatient use. The descriptive variables was gender, age, marital status, income, education, occupation, type of national health insurance, residential area, self confidence of health, prevalence rate of common disease, activity limitation, drinking and smoking status. The result of the major findings are as follows. First, 59 under aged person, married person, people in the higher brackets of income, national employee insured were more likely to infiltrate private health insurance. The poor self confidence of health, activity limitation, person with hypertension or allergic rhinitis and smoker were negatively related in infiltrating private health insurance. Second, private health insured did more preventive behavior such as self-paid health examination, cancer screening, regular exercise than uninsured. Third, private health insured was positively related with the presence of outpatient use and frequency of inpatient use

• The Journal of the Korea Contents Association
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• v.17 no.6
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• pp.63-70
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• 2017

Although the National Health Insurance, many people sign up for private health insurance to alleviate their financial burden. In this study, we analyzed the relationship between private health insurance and subjective financial burden about cost sharing. To confirm the effect we conducted the binary logistic regression by utilizing the Health Care Policy related to public survey. The private health insurance have a significantly association with the subjective financial burden about cost sharing. People who uninsured to purchase private health insurance were more likely to have the burden. Therefore, given the low participation rate of private medical insurance for high age and low income group, we suggest the need for redefining the role of private insurance to enhance the function and resolve equity issues to prepare for the burden.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.22 no.4
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• pp.75-82
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• 2021

The purpose of this study was to review literature about private health insurance (PHI) schemes for Korean older adults published in Korea and abroad from 2015 to 2019, and to present the implications of the study and provide an overview of PHI utilization by Korean older adults. Nineteen quantitative academic research papers were selected and analyzed with respect to presentation time, research purpose, data source, and study design. Old age, low income, low education, and chronic disease were found to hinder enrollment in PHI schemes. Although the relationship between PHI and medical usage was not consistent, it was positively related to health outcomes such as subjective health status and health-related quality of life. Therefore, for PHI to fulfill the role of providing supplementary medical care for older adults with high medical demands, a national improvement policy should be developed to address the barriers that prevent older adults adopting PHI schemes, and empirical studies related to medical usages by and the health outcomes of older adults should be conducted in order to generate a basis for the use of PHI.

• The Journal of the Korea Contents Association
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• v.12 no.7
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• pp.295-305
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• 2012

This study analyzes actual conditions of private health insurance empirically by using the decision to join Korea Health Panel data. First, the study investigates how sociodemographic factors influence joining the private health insurance. Next, the relationship between the private health insurance membership and the frequency of medical service utilization is analyzed. The main results of these analyses can be summarized as follows: the socially vulnerable are less likely to join private health insurance relative to the middle and upper classes. The frequency of medical service utilization of private insurance members is relatively higher. This fact contains the possibility that the middle and upper classes are able to receive more medical services through private health insurance membership, while the socially vulnerable have difficulty with obtaining medical services in spite of much need. Therefore, policies are needed which manage the private health insurance more effectively and secure the publicity of health service socially.

• The Journal of the Korea Contents Association
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• v.18 no.1
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• pp.268-276
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• 2018

This study examined the effects of indemnity private health insurance on the medical utilization among the Korean adults. The used data were the 2014 survey data of Korea Health Panel, and the number of subjects was 11,436. Authors employed instrumental variable regression model where the instrument variables for controlling for endogeneity of indemnity were the purchasing of private pension and number of family members. The results showed that the number of outpatient visits and the number of hospitalizations for indemnity private health insurance subscribers were higher than non-subscribers. The number of household members and the private pension variables were proved to be appropriate as instrumental variables. This paper recommends the Korean government to monitor and evaluate the effects of indemnity private health insurance on the medical utilization in order to improve the efficiency of health care finance.

• Journal of Convergence for Information Technology
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• v.11 no.10
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• pp.194-204
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• 2021

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.

• 한국IT서비스학회:학술대회논문집
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• 2010.05a
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• pp.9-16
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• 2010

대한민국의 의료보험은 크게 국가에서 운영하는 국민건강보험과 국민이 선택적으로 가입하는 민간의료보험으로 나눌 수 있다. 국민건강보험과는 달리 민간의료보험 청구와 정산은 각 보험사별로 이루어지고, 또한 그 절차도 각자 독자적인 방법과 순서를 따라 진행되어 보험가입자의 불편 해소 및 업무의 효과적 추진을 위한 방안이 모색되어왔다. 이에 민간의료보헙협의체(KPPO)에서는 2009년부터 HNIP의 바로One 서비스를 통하여 병원, 보험회사, 보험가입자를 연계하는 보험 청구 및 지원서비스를 개발하여 운영하고 있다. 의료기관-보험사-보험가입자를 연계하는 전략적 협력 융합 서비스 구축을 토대로, 기존에 서로 연계되지 않고 오프라인으로 진행되던 보험금 청구 프로세스를 효과적이고 체계적인 관계로 발전시켰다. 그리고, 다자간의 새로운 정보 유통망의 구축 및 융합 서비스를 통하여 업무의 표준화, 다자간의 관련 업무 프로세스의 효율화를 도모하였다. 이러한 융합서비스를 통하여 규모의 경제, 고객의 편의 및 만족 증대, 기업의 사회적 책임 달성, 신뢰의 구축 등 융합서비스 구축의 다양한 시너지효과를 기대한다.

• The Journal of the Korea Contents Association
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• v.12 no.12
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• pp.683-693
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• 2012

In this study we investigated the factors determining people's decision on whether to subscribe to private health insurance, on how many private health insurances they subscribe to and the average amount of monthly payment from subscribers of private health insurances. For analysis, logistic regression analysis and multiple linear regression analysis were conducted on the sample of 8,167 people using 2008 Korean Longitudinal Study of Ageing(KLoSA) data. From the analysis, whether to enroll in private health insurance is found to be greatly influenced by population and socioeconomic factors as well as regular exercise, smoking, cognitive function scores, subjective health status, hospitalization, the number of outpatient services, free primary health screenings benefits. We also found that number of private health insurances purchased is affected by age, household income, subjective health status, drinking, free primary health screenings benefits and that the average amount of monthly payment for private health insurances purchased is influenced by age, marriage status, economic activities status, subjective sense of hierarchy, household income, drinking, hospitalization. This study is expected to contribute to show the healthy role of private health insurance so that the desirable direction in expansion of health security policy in Korea can be explored further.