일부 의료이용자의 민간의료보험에 대한 태도와 정책적 시사점 = A study on the attitudes of some medical consumers to private health insurance and policy implications

다국어 초록 (Multilingual Abstract)

The main objective of this study is to examine the attitudes of some medical consumers to private health insurance so that the results can be utilized in establishing the government's health insurance policy and hospitals' management strategies. Based on this objective, an interview survey was conducted through structured questionnaire for the patients of four general hospitals located in Busan Metropolitan City during the period of 3/1-4/30/2005, and data from 520 patients were utilized in the final analysis. Survey items included general characteristics of the patients(sex, age, education, income, etc.), various factors related to patients' satisfaction on National Health Insurance and supplementary private health insurance, and their opinions on the introduction of substitute private health insurance. SPSS(version 12.0) was used to process the data.
Major findings are as follows:
1) Overall satisfaction of the patients on National Health Insurance(NHI) was generally low, as 43.6% of the respondents were 'unsatisfied,' whereas only 7.0% 'satisfied.'(The remainder was 'neutral.') Main reason for the dissatisfaction was found to be 'insufficient benefits.'
2) 75.6% of the respondents possessed some kind of supplementary private health insurance policies, and their satisfaction level was relatively higher than that of NHI
3) 69.9% replied that the government should allow substitute private health insurance, and, when allowed, 62.2% would purchase such insurance policies.
4) However, based on economic abilities and attitudes to high-grade medical services, only 10-20% could be considered to have 'actual' or 'effective' demand for substitute private health insurance.
5) Logistic regression analysis suggested that the probability of purchasing substitute private health insurance policies was higher when the respondents were younger, richer and more dissatisfied with NHI.

목차 (Table of Contents)

• 〈목차〉
• Ⅰ. 서론
• Ⅱ. 연구방법
• Ⅲ. 연구결과
• Ⅳ. 고찰
• Ⅴ. 결론