민간의료보험의 역할 설정 방안에 관한 연구 = A Study on the Role Setting Method of Private Health Insurance in Korea

다국어 초록 (Multilingual Abstract)

The purpose of this paper is how to set rational role of private health insurance system in Korea. The present national health insurance system(NHI) has some in covering people's need of medical care services. Moreover, the health insurance industry monopolized by NHI led to the unbalanced supply of medical resources and made social costs.
Supplementary private health insurance can be a solution of problems in the NHI System. First, private health insurance will be activated more efficiently than NHI. Second, it will provide various packages of insurance service which individuals want based on quality-premium relations.
Third, the private sector will improve the health industry to be more sufficient and will reduce health care cost with the higher satisfaction.
The basic change of health insurance system suggested by this paper are as follows. First, the health insurance system should be changed to a diversified and multi-pillar system including private health insurance. Second, the private health insurance should cover the coinsurance fee as a supplementary to NHI. Third, the increase of medical costs would be controlled by private health insurance. Fourth, private health insurance would activate and diversify medical care needs. Fifth, intensification of guarantee should follow by reverse selection of private health insurance and decrease of insurance premium.