• 대한예방한의학회지
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• 제19권3호
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• pp.57-66
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• 2015

Objective : Private health insurance coverage in Korean medicine has been reduced since October 2009 for preventing unnecessary utilization. The aim of this study is to identify how private health insurance coverage reduction affects on the Korean medicine utilization. Method : We analyzed the Korea Health Panel data from 2008 to 2012. Panel negative binominal regression model was used to analyze the relationship between private health insurance coverage reduction and utilization of outpatient service. Panel tobit regression analysis was used to identify the relationship between private health insurance coverage reduction and health expenditure of outpatient service. Results : Private health insurance coverage reduction significantly dropped both utilization and health expenditure of outpatient service by 9%, 9.22% respectively. In addition, therapeutic utilization significantly decreased up to 10%. Conclusion : Private health insurance coverage reduction seems to have an effect to reduce both utilization and the health expenditure of Korean medicine outpatient service. This effect was more noticeable in the therapeutic utilization. Thus, more elaborate policy will be needed to prevent unnecessary utilization of Korean medicine.

• 한국병원경영학회지
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• 제11권4호
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• pp.63-81
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• 2006

This study was conducted to evaluate needs and intention of hospitals and clinics to join network with private health insurance, and to discover obstacles of participation of the networks. We carried out the questionnaire survey of the network managers of 236 medical institutions between December 27th, 2005 and January 25th, 2006. The result showed that the participation intention of network were different to the type of hospitals. Primary care clinics answered that participation intention and possibility were low. Secondary care hospitals was relatively affirmative regarding a network participation. Tertiary hospitals responded that they need the network with private health insurance, but participation possibility was lower than needs. The reason is that they worried about the side effect of the network with private health insurance. Depending on the type of hospitals, expected benefits from networking with private health insurance were different. We found that hospitals which already had affiliation with other hospitals answered in the affirmative regarding the network with private health insurance. In conclusion, to increase the effectiveness of network systems between hospital and private health insurance, the network is expected to consider different needs of the each hospital.

• 보건의료산업학회지
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• 제6권2호
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• pp.165-177
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• 2012

This study examined market size of private health insurance premium and individual characteristics associated with the market size change in Korea, using wave 1 (2008) and wave 2 (2009) of Korea Health Panel. The market size was 24.4 trillion Korean won in 2008 and 26.9 trillion in 2009. The increase rate of private health insurance premium among those who were the elderly, single, or the poor was higher than that among their counterpart respectively. Health status and utilization were insignificant in determining the increase rate of private health insurance premium. These findings were more obvious among the uninsured in 2008 than among the insured in 2008. The increase of private health insurance premium in Korea imply the increase of willingness-to-pay for health risk through private sector. The authors suggest policy intervention for accessability to health care for the underprivileged and weak through enlargement of Korean social health insurance benefit.

• 대한가정학회지
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• 제42권9호
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• pp.37-51
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• 2004

The purpose of this study was to examine the effects of household characteristics on savings account, savings insurance, and private financial clubs. Data for this study were collected from the 2001 Household Income and Expenditure Survey consisting of a sample of 1,801 salary and wage earners' households. Tobit analysis was peformed to investigate savings accounts, savings insurance and private financial clubs. The results showed that 76% of households held savings accounts, 77% savings insurance, and 12% non-institutional assets in private financial clubs. Sender, age, education, job, spouse employment, family type, location, home ownership, number of children, and family income were significant determinants of investment in savings accounts, savings insurance, and private financial clubs. Family income was the most powerful variable.

• 한국콘텐츠학회논문지
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• 제20권3호
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• pp.92-105
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• 2020

이 연구에서는 실손형 민간의료보험 가입의 영향요인과 실손형 민간의료보험이 외래 및 입원 의료이용에 미치는 영향에서 성별 차이를 파악하고자 하였다. 한국의료패널의 2010년부터 2016년까지 조사 자료를 패널자료로 구성하여 로짓모형과 회귀모형으로 분석하였다. 실손형 민간의료보험의 가입에서 남성은 여성보다 가입확률이 낮았고, 여성의 경우 미충족 의료 여부, 주관적 건강상태에 따라 가입확률의 차이가 있었고, 남성의 경우 결혼상태, 거주지에 따라 차이가 있었다. 실손형 민간의료보험은 여성군에서 외래 방문 당 진료비에 영향을 미치지 않았으나 남성군에서는 외래 방문 당 진료비를 증가시키는 것으로 분석되었다. 또한, 여성군에서 실손형 민간의료보험이 입원 당 진료비를 유의하게 증가시켰으나 남성군의 입원 당 진료비에는 영향을 주지 않았다. 실손형 민간의료보험의 가입과 실손형 민간의료보험이 의료이용에 미치는 영향에서 성별 차이가 있음을 확인하였으며, 이는 실손형 민간의료보험 관련 연구와 제도 운용에서 성별 차이를 고려할 필요가 있음을 시사한다.

• 대한예방한의학회지
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• 제27권2호
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• pp.61-71
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• 2023

Objectives : This study aimed to investigate the recognition of coverage for Korean medicine treatments in private medical insurance among Korean medicine doctors (KMDs). Methods : Questionnaire reviewed by experts was performed to KMDs who were registered in the Association of Korean Medicine. The survey targeted awareness of private health insurance for Korean medicine, appropriate coverage, cost, and frequency. Results : Data were collected from 932 respondents out of 28,234 Korean medicine doctors. Most KMDs were aware of coverage for Korean medicine in private medical insurance, and they responded that pharmacopuncture and herbal decoction were covered first. KMDs also responded that the coverage should be provided without limited number of times, except herbal medicine. Conclusion : Most KMDs responded that Korean medical private medical insurance was essential. To promote the developing insurance for Korean medicine, survey for public and insurance company will be performed.

• 한국콘텐츠학회논문지
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• 제12권7호
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• pp.295-305
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• 2012

본 연구는 현재 급속히 증가하는 민간의료보험의 실태를 한국의료패널 데이터를 활용하여 실증적으로 분석하였다. 먼저 인구사회학적 요인이 민간의료보험 가입에 어떤 영향을 미치는 지를 살펴보았고, 다음으로 민간의료보험 가입과 의료이용 빈도 간에 어떠한 상관관계가 존재하는지를 찾아보았다. 패널데이터 분석결과를 살펴보면 경제적 능력이 낮은 사회적 취약계층은 상대적으로 민간의료보험의 가입이 낮은 경향이 있었다. 그리고 민간의료보험 가입자의 의료이용은 경향적으로 높게 나타났다. 이러한 결과는 지불능력이 있는 계층은 민간보험 가입을 통해 더 많은 의료서비스를 받게 되겠지만, 그렇지 못한 취약계층은 욕구가 있음에도 불구하고 의료서비스를 받을 기회가 점점 줄어들 수 있다는 가능성을 내포하고 있다. 따라서 민간보험을 보다 효과적으로 관리하기 위해서는 의료의 공공성을 사회적으로 보장하는 정책 방안이 시급히 필요하다고 사료된다.

• 한국병원경영학회지
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• 제24권1호
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• pp.48-56
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• 2019

Purpose: As an interest in the elderly medical expenses increases, elderly people are increasingly purchasing indemnity private health insurance. Authors tried to investigate factors of having the indemnity private health insurance among the elderly people aged 65-75 years. Methods: We conducted panel logit regression analysis on 2,465 subjects as of 2016 using Korean Health Panel from 2010 to 2016. The dependent variable was whether to enroll in the indemnity private health insurance. The explanatory variables included socio-demographic characteristics, economic factors, health status, and health behaviors. Findings: As a result of the analysis of factors of purchasing indemnity private health insurances, it was analyzed that people with larger family, educated, pensioner, high household income or no disability were more likely to have indemnity private health insurance. Practical Implications: Considering the results of this study, the factor of purchasing indemnity private health insurance among elderly people were more likely to be their economic than demographic characteristics such as sex, age, and marital status. Policy makers should make efforts to reduce the burden on the elderly medical expense and to improve equity of medical use through institutional improvement such as raising age limit and lowering premium of indemnity private health insurance and expansion of public health insurance.

• 보건의료산업학회지
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• 제11권3호
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• pp.51-64
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• 2017

Objectives : This study examined the effect of private health insurance on medical care utilization by subscription type. Methods : The data used were the six waves of the Korea Health Panel (2009-2014), and 16,187 persons were the subjects of the analysis. We performed a panel regression with a fixed effects model. Results : Indemnity private health insurance was positively related to the number of physician visits, number of admissions, and total length of stays. However, fixed-benefit private health insurance was not related to medical care utilization. Conclusions : The result of this study, which shows the difference by subscription type in the effect of private health insurance on medical care utilization, suggests that continuous monitoring of indemnity private health insurance is needed in the future.

• 한국콘텐츠학회논문지
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• 제17권6호
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• pp.63-70
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• 2017

우리나라는 전 국민 건강보험 의료체계를 근간으로 하고 있으나, 보장성이 낮아 많은 국민들이 높은 의료비의 재정적 부담 완화를 위해 민간의료보험에 가입하고 있다. 본 연구에서는 민간의료보험의 가입 여부가 개인의 본인부담 진료비 지불에 대한 주관적인 부담 수준에 미치는 영향을 분석하였다. 보건의료정책방향 관련 대국민 실태조사 자료를 활용하여 총 1,564명을 연구 대상자로 선정하였으며, 관련성 파악을 위해 이분형 로지스틱 회귀분석을 실시하였다. 연구 결과, 민간의료보험 가입 여부는 본인부담금의 주관적 부담 수준과 유의한 관련이 있었으며(p<.0001), 민간의료보험 미가입자가 가입자에 비해 주관적 부담 수준이 더 높았다(OR, 1,190; 95% CI, 1,188-1,192). 고연령, 저소득층의 민간의료보험 가입률이 낮음을 감안할 때, 경제적 부담을 대비하는 민간의료보험의 순기능 강화와 형평성 문제 해결을 위한 민간의료보험의 역할 재정립이 필요하다.