• 보건의료산업학회지
• /
• 제5권2호
• /
• pp.157-172
• /
• 2011

The purpose of this study is to provide basic information for improving medical security between the Korean National Health Insurance Corporation and the private health insurance in Pusan Metropolitan area by investigating of the recognition with the benefit groups. Questionnaires of 431 were taken between Feb. 11th and Feb. 25th 2008. The survey was carried out to gather information about SES and contents of insurance and recognition between the benefit group of the Korean National Health Insurance and the private health insurance on the financial conditions and the stability. The result of survey is as follows. First, there is a difference between the National Health Insurance and the private health insurance on the financial conditions and the stability of the Korean National Health Insurance. Second, there is a high score at the private health insurance on the financial conditions and the stability of the private health insurance. Third, privatizing of a National Health Insurance is high score at increase of the premium, medical payments of the National Health Insurance group and is high score at enhance of quality of medical service and decrease of loss of medical payment of the private health insurance group. Therefore, to provides more information and improved medical security with the benefit group. it is necessary for concerns to put more efforts in creating Conflicting vs. Complementing of systemic base.

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

• 보건의료산업학회지
• /
• 제11권3호
• /
• pp.51-64
• /
• 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
• /
• 제12권7호
• /
• pp.295-305
• /
• 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.

• 보건의료산업학회지
• /
• 제8권2호
• /
• pp.115-125
• /
• 2014

This study tries to investigate inequity in supplementary private health insurance insured in terms of the analysis of insurance insured general characteristics and to analyze the influence of supplementary private health insurance on their admission and their outpatient medical utilization behavior. As a result of the analysis of the general characteristics of supplementary private health insurances insured, it has turned out that men, persons at low ages, people with a spouse and chronic diseases, and persons with a high income have applied such insurances more. We can also tell that low-income classes have difficulty in applying private health insurances as people in the fifth income quintile have applied such insurances about 9 times as much as those in the first income quintile. The analysis of supplementary private health insurance insured health care utilization behavior has revealed that both male and female insured aged less than 55 and without chronic diseases have increases the number of their use of health care, their patient charge, and their medical cost per visit.

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

• 보건행정학회지
• /
• 제7권2호
• /
• pp.109-146
• /
• 1997

This study explores the feasibility of activating private health insurance in Korea. The rationale for expanding private supplementary health insurance can be found in many cases of health care reforms in the European countries. Private health insurance can not only relieve the financial distress of the government health insurance programs but also offer the medical institutions incentives to improve the quality of medical care. In Korea there is no supplementary health insurance that reimburses for various kinds of diseases based on a well designed fee schedule. Recently, the cancer insurance is the best seller in the health related insurance market. As observed in the U. S. case, the cancer insurance which pays the predetermined amount (indemnity coverage) regardless of the medical charges incurred to the patient is limited in its coverage for the insured. To provide better protection against catastrophic diseases, the government should give insurance companies incentives to develop health insurance products that cover multiple diseases rather than a single disease. Consumers can hardly understand and compare complex insurance products. To resolve the information asymmetries, the government should publish a consumer report that compare various health insurance products in a user friendly way. In the long run, insurance companies will plan to sell health insurance products that charge risk related premium only when insurers accumulate the underwriting know-hows, the government shares data on various health statistics including claims and demographics, and risk pool for high risk patients is well established and subsidized by the government.

• 보건행정학회지
• /
• 제31권4호
• /
• pp.423-436
• /
• 2021

This article summarizes the structure of China's current social health insurance system and reviews the development status of China's private health insurance (PHI). China's medical security system is mainly composed of two parts: basic medical insurance (BMI) and PHI. Among them, the BMI provides reimbursement of basic medical expenses for the insured persons according to different proportions. PHI is a necessary supplement to the BMI and provides assistance to the insured persons in the event of illness or accident. By having PHI, people can obtain medical protection outside the coverage of BMI. In the development of PHI in China, the total medical cost is high and the insurance market size is large, but the proportion of PHI expenditure is low and the personal burden is high. Through this Chinese case, it will be helpful for mutual development between Korean PHI and national health insurance, for Korean insurance companies to enter the Chinese market, and for removing the medical burden on the people.

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

• 보건의료산업학회지
• /
• 제7권4호
• /
• pp.143-151
• /
• 2013

The purpose of this study was to analyze the socio-economic factors, the factors affecting the private insurance, utilizing Korea National Health & Nutrition Examination Survey 2011. Findings of the study can be summarized as follows. First, participants with private insurance are young, high monthly income, low prevalence of chronic illness. Second, participants with private insurance and chronic illness were young and high monthly income. Third, Average monthly household income, the higher the age is younger. Private insurance and national health insurance was higher subscription rate. Consequently, participants with private insurance and uninsured of the major differences is the age and the average monthly income. Elderly, low income are needed health promotion and disease prevention for expanded medicare, welfare policies.