민간의료보험의 선택에 영향을 미치는 요인 : 민간의료보험 활성화에 대한 함의 = 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

다국어 초록 (Multilingual Abstract)

Since the introduction of mandatory health insurance in 1977, 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 2004 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.

참고문헌 (Reference)

1 "의료서비스 산업화론과 건강보험" 4 (4): 5-16, 2005

2 "민영건강보험의 보험금 지급심사 현황 및 개선방안" 보험개발원 건강보험포럼자료

3 "민영건강보험의 리스크관리 방안" 2005

4 "민간의료보험이 병원에 미칠 영향에 대한 고찰" 19 (19): 23-36, 2004

5 "민간의료보험의 현황 및 활성화에 관한 연구" 7 (7): 109-46, 1997

6 "민간의료보험의 언더라이팅 선진화 방안" 보험개발원 2003

7 "민간의료보험 실태와 영향 분석" 국민건강보험공단 2005

8 "민간의료보험 도입되어야 한다:민간보충의료보험의 발전방향에 대한 고찰" 1 : 187-228, 2000

9 "민간의료보험 도입 주장의 문제점과 의료보장제도의 발전방향" 1 : 229-252, 2000

10 "건보 ‘암진료비 75% 지원’ 발표 이후" 한겨레신문 2005년7월21일자

11 "건강보험환자의 본인부담 실태 조사" 4 (4): 74-88, 2005

12 "건강보험에서의 보험회사 역할 확대 방안" 2001

13 "The mandatory health insurance system in Chile:Explaining the choice between public and private insurance" 1 : 97-110, 2001

14 "The determinants of the demand for private health insurance under Medicare" 28 (28): 1623-32, 1996

15 "The determinants of private medical insurance prevalence in England" Health Serv Res 40 (40): 195-212, 1997-20002005

16 "The demand for private health insurance:do waiting lists matter" 72 : 155-81, 1999

17 "Review of Income and Wealth 1988" 115-42,

18 "Demand for private health insurance:how important is the quality gap" 12 : 587-99, 2003

19 "An analysis of private health insurance purchasing decisions with national health insuracne in Taiwan" 55 (55): 755-774, 2002