• 한국콘텐츠학회논문지
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• 제12권12호
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• pp.683-693
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• 2012

이 연구는 중 고령자의 민간의료보험 가입에 대한 영향 요인과 민간의료보험 가입자를 대상으로 민간의료보험 가입 개수 및 월 평균 납부액에 영향을 주는 요인이 어떤 것인지를 분석한 연구이다. 분석을 위해 2008년 제2차 고령화연구패널조사(KLoSA) 표본 중 의료급여 대상자를 제외한 8,167명을 대상으로 로지스틱 회귀분석과 다중선형회귀분석을 실시하였다. 분석결과 민간의료보험 가입 여부는 인구 사회 경제학적 요인의 영향을 많이 받았고, 규칙적 운동, 흡연, 인지기능, 주관적 건강상태, 입원, 외래진료횟수, 무료 1차 건강검진 수혜에 대한 영향을 받았다. 민간의료보험 가입자를 대상으로 한 민간의료보험 가입 개수는 연령, 가구총소득, 주관적 건강상태, 음주, 무료 1차 건강검진 수혜에 영향을 받았고, 민간의료보험 월 평균 납부액은 연령, 결혼생활상태, 경제활동상태, 주관적 계층의식, 가구총소득, 음주, 입원에 대한 영향을 받는 것으로 나타났다. 추후 본 연구가 민간의료보험의 역할을 제시하고, 지속적으로 추진되고 있는 건강보험 보장성 강화 정책에 방향성을 제시하는 데 도움이 될 것으로 기대된다.

• 한국콘텐츠학회논문지
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• 제16권8호
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• pp.366-375
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• 2016

본 연구는 한국 의료보장제도에 있어서 의료비 부담과 민간의료보험 급여액의 소득계층별 불평등을 평가하고, 가구소득 불평등과의 관계를 확인하는데 목적이 있다. 이를 위해 2014년도 한국의료패널조사 자료를 활용하여, 의료비 부담에 따른 가구소득변화 지니계수를 산출하였다. 주요 분석결과를 살펴보면, 첫째, 우리나라 가구소득 불평등은 소득1분위 평균가구소득이 629만원인 반면, 10분위 소득은 1억 193만원으로 소득분위별 소득금액차이가 매우 컸고, 지니계수가 0.3756으로 불평등 정도가 컸다. 둘째, 가구소득분위별 건강보험과 의료급여 등 공적지원이 이루어지는 외래 입원진료 관련 의료비 부담 지니계수가 0.0761로 나타났으며, 공적제도의 지원이 없는 의료이용을 위한 교통비와 의료용품구입비 등을 모두 포함한 의료비 부담의 지니계수가 0.0878로 나타나서 의료비 부담의 불평등은 공적지원이 있는 부담과 공적지원이 없는 부담 모두 적었다. 가구소득차이와 관계없이 의료비를 부담하고 있는 것이다. 셋째, 가구소득 불평등과 의료비 부담의 관계를 확인하기 위하여 가구소득에서 의료비 부담을 제외하여 지니계수를 산출한 결과 기존 가구소득 지니계수보다 의료비 부담을 제외한 지니계수가 약간씩 증가하였다. 즉, 우리나라 가구의 의료비 부담은 소득계층별로 불평등하여서 가구소득의 불평등을 악화시키데 기여하고 있는 것이다. 이는 건강보험 의료급여와 같은 공적지원이 있는 의료비부담도 동일해서 공적제도가 가구소득 불평등을 약간 악화시켰다. 넷째, 민간의료보험 급여액 지니계수가 0.0927로 나타나서 민간보험 급여액의 불평등은 적었다. 아울러 가구소득과 민간보험급여를 합산하여 산정한 지니계수가 0.3756에서 0.3672로 감소하여서 민간의료보험을 통한 보험금 수입이 가구소득 불평등을 다소 약화시키는 것으로 나타났다.

• 보건의료산업학회지
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• 제5권4호
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• pp.177-192
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• 2011

The arguments exist that private health insurance(PHI) policy holders tend to use the health care services more than non-policy holders due to their little out-of-pocket spending, resulting in the adverse effects on the finances of National Health Insurance. This study aims to increase the objective understanding of the issue and to draw a direction of further research, by reviewing the articles, reports and statistics which examined the effects of purchasing PHI policies on health care utilization. Significant differences in healthcare utilization, except for the very partial increase of utilization in outpatient settings, have been not found. The similar trends of the results have existed in a few previous studies which tried to control the endogeneity of medical use and health insurance with latent variables which affect the decision on medical use and health insurance. However, we can not exclude the potential change of healthcare utilization patterns because the portion of the insured of indemnity PHI is becoming rapidly larger in the market. For further research, we should try to obtain the objective information of subjects' past medical history, health status, health related behavior, and income affecting purchase of PHI and utilization of healthcare services. And the efforts of controlling the endogeneity of medical use and health insurance with latent variables which affect the decision on medical use and health insurance, are very considerable.

• 보건행정학회지
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• 제18권4호
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• pp.185-206
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• 2008

The National Health Insurance (NHI) has been the main body of health care system in Korea for the last 30 years since the NHI was founded. However, the inefficient management and strong regulations of the NHI have hindered the development of health care industry. The establishment of the MB government, whose interest lies on economic growth rather than equity, is expected to help the health care services gain a momentum. The essential measures that can step up public health care services overall are the following: the introduction of competition within NHI, the activation of private health care insurance, and the allowance of for-profit hospital. The private-public mix with market mechanism would level up the health care service for the public.

• 항공우주정책ㆍ법학회지
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• 제32권1호
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• pp.385-417
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• 2017

Insurances of space activities are divided into satellite insurance, astronaut insurance and third party liability insurance. Against the background of the rapid development of space commercialization, especially the increasing participation of private entities in space affairs, the present international and domestic mechanisms of space insurance are challenged. As a space-faring state which is in the process of developing space businesses, the regulations of space insurance in China are deserved to be discussed. Satellites insurance is at present well-developed, the "pre-launch", "launch" and "in-orbit" phases of satellites are all possible to be insured by related companies. China created the CAIA in 1997 to provide insurance for Chinese satellites. However, with more private entities start to involve in space as well as satellite industry, the regime established under the framework of CAIA is necessary to be modified, and the mechanism relating to space insurance brokers should be promoted. The astronauts are recognized as the envoy of humankind, and relevant international regulations are made to provide assistance to them in emergency circumstances. From the domestic perspective, astronauts will be fully insured. China creates a particular type of insurance for astronauts. However, once space tourism becomes a business, the insurance of the tourist will be demanded to be created. In order to promote China's space tourism, it is recommended to take the "Astronaut Group Insurance" as an optional model to space tourists, if the tourists are customers of a governmental-owned space company. Once private involvement of providing orbital/suborbital tourism service becomes a reality, new rules are required. Getting a third party liability insurance is deemed as an indispensable precondition for an applicant to get a launch permission. Domestic space laws will include provisions for the third party liability insurance. China's "Interim Measures" of 2002 realizes the importance of third party liability insurance and requires the permit holder to get it before entering the launching site. This regulation is different from the practices of other states. Concerning that China is the sponsor of APSCO, for the purpose of promoting commercial space cooperation, a harmonized approach to domestic law is recommended to be found.

• 대한안전경영과학회지
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• 제16권1호
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• pp.37-44
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• 2014

This study is to search cooperation plan about fire investigation based on the public-private partnership. Especially focused on the partnership with 4 sector; the academic world, insurance sector, industrial world, professionalist of private fire investigation. In conclusion, Firstly a partnership with the academic world should have courses or school subject extensions related to fire investigation. Secondly, a partnership with insurance sector should secure trust through unifying estimate standard about the origin of damage. Thirdly, A partnership with industrial company is presented making collaboration team to investigate the fire investigation. Lastly, the partnership with the private professionalist related to fire investigation should strengthen credibility and expertise.

• 의료법학
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• 제8권2호
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• pp.9-35
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• 2007

The Health care program in Korea has now been systemized after 30 years of declaring the inauguration of the national health insurance system by the current government. The national health care covering all Korean citizens was achieved after 12 years of implementing the national health insurance and the health care program since 1977. Hundreds of multiple operational agencies managing the insured individually had undergone the amalgamation process from 1998 to 2000, and had been restructured as one agency, the National Health Insurance Corporation. In 2003, the community/area based financial management was also merged together with the employment based financial management. The National health care system of Korea offer various merits, compared with that of other countries, such as health care provision covering all Koreans, low insurance premium, accessibility of medical services/facilities etc. However, there are still some weak features which need to be addressed for improvement; below expectation insurance cover system, mistrust on the medical services, low medical charges resulted from excessive restrictions, and unstable financial status of the national health insurance etc. Therefore, the National health care system should continue to evolve to re-establish itself as more effective national health care system by further strengthening its merits, and by improving its weaknesses; with adopting the positive system to optimize the costs of prescribed medicines/drugs, applying simpler insurance coverage system to calculate the optimum medical charges, promoting private medical insurances, and increasing insurance premium etc.

• 보건행정학회지
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• 제5권1호
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• pp.1-30
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• 1995

This study was conducted to investigate the distribution of private medical practitioners' income from the medical insurance and its determinants. Total amount of the medical service fee paid by the medical insurance to 1,268 private clinics(767 in Taegu and 510 in Kyungpook that had been in practice at least for one year) in 1993 was compared by the characteristics of practitioner, clinic, patient and population. The practitioners in 40-49 years of age and 6-10 years inpractice had the highest income. Total income of a clinic was increased with the number of physicians, employees and equipments. The largest income differentials were observed among obstetrics and gynecology clinics and the least differentials were among pediatrics clinics. The characteristics of practitioner, clinic and population accounted for 41.7% of the total variance of income. The important determinants of income were specialty of the clinic, age of the practitioner and number of the employee and equipments. The large income differentials among clinics imply a skewed distribution of patients and thus long waiting time, inefficient utilization of manpower and inadequate quality of care. Effective measures to reduce the income differentials need to be developed.

• 보건의료산업학회지
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• 제8권2호
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• pp.101-113
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• 2014

This paper examined the effects of private health insurance(PHI) on the health care utilization among the Korean. The used data was the three waves of Korea Health Panel (2008, 2009, 2010), and the number of subjects was 13,951 persons. Authors employed two-stage least square panel model where the instrument variables for controlling for endogeneity of PHI were number of insurance planner per 100,000 in resident area and whether subject worked on financial profession. The results showed that healthcare expenditure of outpatients who purchasing PHI was higher than that of outpatients without PHI, and there was no difference in admission between the two groups. This article recommended the Korean government to monitor the effects of PHI on the health care utilization in order to improve the efficiency of health care finance.

• Journal of Korean Neurosurgical Society
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• 제65권2호
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• pp.173-179
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• 2022

Disabilities can emerge due to traumatic spinal fractures. In terms of sacrococcygeal spine, because of its unique anatomic structure with minimal movement, the possibility for it to have a disability is relatively low. In Korea, unlike most disability criteria, private insurance companies acknowledge angular deformities caused by vertebral fractures as disabilities according to their degree, so there were several cases where patients required compensation, arguing angular deformity caused by sacrococcygeal fracture, which in some cases led to legal conflicts. Except the Act Welfare of Persons with Disabilities which recognizes only severe angular deformity affecting internal organs as disability and the industrial accident disability evaluation which does not recognize coccygeal fracture as disability but rarely recognizes sacral vertebra deformity equivalent to compressive deformation, there is little or no case where angular deformity is recognized as disability. Given the impairment evaluation standards in social insurance, McBride system, American Medical Association (AMA) guides, and newly proposed standards by the Korean Academy of Medical Sciences (KAMS), the most contentious point in the general terms and conditions of private insurance is spinal deformity. To overcome controversy over disability evaluation, the private insurance sector is now applying criteria for axial skeleton to sacrococcygeal vertebrae through revision of standards. Under these circumstances, it is fair to recognize sacrococcygeal fracture as impairment in terms of the pelvis only when the fracture leaves serious deformity and neurological symptoms with clear relevancy. Though it may not be easy to develop accurate disability evaluation standards, improvement is necessary to remove any irrationalities and make the standards as objective as possible.