Korea Journal of Hospital Management (한국병원경영학회지)

Korean Society of Hospital Management (한국병원경영학회)
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Factors Influencing the Purchase of Indemnity Private Health Insurance among the Elderly People Aged 65-75

65-75세 노인의 실손형 민간의료보험 가입 영향요인

  • You, Chang Hoon (Graduate School of Public Health, Yonsei University) ;
  • Kang, Sungwook (Department of Public Health, Daegu Haany University) ;
  • Ha, Ho-Soo (Department of Medical Care and Hospital Administration, Hallym Polytechnic University) ;
  • Kwon, Young Dae (Department of Humanities and Social Medicine, College of Medicine and Catholic Institute for Healthcare Management, the Catholic University of Korea)
  • 유창훈 (연세대학교 보건대학원) ;
  • 강성욱 (대구한의대학교 보건학부) ;
  • 하호수 (한림성심대학교 의무행정과) ;
  • 권영대 (가톨릭대학교 의과대학 인문사회의학과 및 가톨릭의료경영연구소)
  • Received : 2019.02.24
  • Accepted : 2019.03.12
  • Published : 2019.03.30
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Abstract

Purpose: As an interest in the elderly medical expenses increases, elderly people are increasingly purchasing indemnity private health insurance. Authors tried to investigate factors of having the indemnity private health insurance among the elderly people aged 65-75 years. Methods: We conducted panel logit regression analysis on 2,465 subjects as of 2016 using Korean Health Panel from 2010 to 2016. The dependent variable was whether to enroll in the indemnity private health insurance. The explanatory variables included socio-demographic characteristics, economic factors, health status, and health behaviors. Findings: As a result of the analysis of factors of purchasing indemnity private health insurances, it was analyzed that people with larger family, educated, pensioner, high household income or no disability were more likely to have indemnity private health insurance. Practical Implications: Considering the results of this study, the factor of purchasing indemnity private health insurance among elderly people were more likely to be their economic than demographic characteristics such as sex, age, and marital status. Policy makers should make efforts to reduce the burden on the elderly medical expense and to improve equity of medical use through institutional improvement such as raising age limit and lowering premium of indemnity private health insurance and expansion of public health insurance.

Keywords

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