민간의료보험 가입자 특성과 가입요인에 관한 연구 = A Study for Characteristics and Factors of Private Health Insurers

다국어 초록 (Multilingual Abstract)

The purpose of this study is to analyse characteristics and factors of private health insurers by using the 2008 Korea Health Panel(KHP) data, and the statistical analysis and logistic regression were performed with a total of 19,702 observations. The higher income and educational level, younger, more stable economic activity, or higher health promotion efforts were higher subscription rate of private health insurance. People who have a chronic disease and experience emergency or inpatient service had a lower subscription rate of private health insurance. Multiple subscriptions were not related to private health insurance. Only age, head of household status, and whether outpatient service was experienced were statistically significant variables that affect a subscription rate of the type of indemnity. The type of indemnity has negative effect on the age of fifty and positive effect on the head of household status and outpatient service experience.

참고문헌 (Reference)

1 허은정, "중․고령자의 민간의료보험 가입 및 지출액 결정요인" 한국소비자학회 20 (20): 107-127, 2009

2 임진화, "암 환자의 민간의료보험 가입 실태와 관련 요인" 대한예방의학회 40 (40): 150-154, 2007

3 강성욱, "암 보험이 암 환자의 의료이용 및 의료비에 미친 영향" 한국보건행정학회 15 (15): 65-80, 2005

4 정기택, "민영건강보험과 도덕적 해이에 관한 실증연구" 한국보험학회 75 (75): 1-26, 2006

5 김재현, "민영건강보험 가입자의 상품정보 획득특성과 만족도 연구" 보험연구원 17 (17): 71-102, 2006

6 윤태호, "민간의료보험의 선택에 영향을 미치는 요인 : 민간의료보험 활성화에 대한 함의" 한국보건행정학회 15 (15): 161-175, 2005

7 오은환, "민간의료보험의 가입 개수에 영향을 미치는 요인" 2010 경제학 공동학술대회 조직위원회 17-37, 2010

8 윤희숙, "민간의료보험 가입이 의료이용에 미치는 영향" 한국개발연구원 30 (30): 99-128, 2008

9 박영희, "민간의료보험 가입 요인 및 소비자 만족도 조사 연구 : 부산지역을 중심으로" 사단법인 대한보건협회 32 (32): 120-129, 2006

10 이진석, "국민건강보험과 민간의료보험의 바람직한 발전방안" 5 (5): 26-36, 2006

11 오영수, "국민건강보험과 민간건강보험간 역할 재정립 방안" 보험연구원 17 (17): 103-136, 2006

12 King, D, "The determinants of private medical insurance prevalence in England 1997-2000" (40) : 195-212, 2005

13 Kang, S, "Effects of supplemental insurance on physician visits in Korea" (108) : 912-920, 2009

14 Liu, T. C, "An analysis of private health insurance purchasing decisions with national health insurance in Taiwan" (55) : 755-774, 2002

15 Ettner, S. L., "Adverse selection and purchase of Medigap insurance by the elderly" 16 : 543-562, 1997