Health Policy and Management (보건행정학회지)

Korean Academy of Health Policy and Management (한국보건행정학회)
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The Determinants of private health insurance purchasing decisions under national health insurance system in Korea : The expanding of private health insurance market, for the better or worse

민간의료보험의 선택에 영향을 미치는 요인 : 민간의료보험 활성화에 대한 함의

  • Yoon Tae-Ho (Dept. of Preventive Medicine & Occupational Medicine, College of Medicine, Pusan National University) ;
  • Hwang In-Kyung (Dept. of Preventive Medicine & Occupational Medicine, College of Medicine, Pusan National University) ;
  • Sohn Hae-Sook (Dept. of Preventive Medicine, College of Medicine, Inje University) ;
  • Koh Kwang-Wook (Dept. of Preventive Medicine, College of Medicine, Kosin University) ;
  • Jeong Baek-Geun (Dept. of Preventive Medicine, College of Medicine, Kyeongsang National University)
  • 윤태호 (부산대학교 의과대학 예방의학 및 산업의학교실) ;
  • 황인경 (부산대학교 의과대학 예방의학 및 산업의학교실) ;
  • 손혜숙 (인제대학교 의과대학 예방의학교실) ;
  • 고광욱 (고신대학교 의과대학 예방의학교실) ;
  • 정백근 (경상대학교 의과대학 예방의학교실)
  • Published : 2005.12.01
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Abstract

Since the introduction of mandatory health insurance in In, the Korean national health insurance(KNHI) has grown rapidly. In 2004, about $96.9\%$ of the total population are covered by the KNHI and the remaining $3.1\%$ by the Medical Aid program. Despite national health insurance system in Korea, private health insurance market has grown rapidly. In 2004, the size of the private health insurance market was estimated at 6,568 billion won. The purpose of this study Is to identify the factors that determine the purchasing decisions of supplementary private health insurance under mandatory national health insurance system in Korea. The data from n04 Busan Health Survey were analysed for the Purpose. The variables in this study are demographic factors, health status and health behavioral factors, health care systemic factors, and socioeconomic factors. For statistical analyse, we used logistic regression. The Findings show that female, economically active age group(especially 35-49 years), persons with better health status or experience of health screening test are more likely to purchase private health insurance. And higher household income and expenditure, higher education level are more associated with the increased probabilities of private health insurance purchases. This results imply that the expanding of private health insurance market could widen the gap between the have and have-not in terms of equal health care accessibility.

Keywords

References

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