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The effect of householder’s characteristics and perceptions of the Korean National Health Insurance coverage on getting private medical insurances

박정호 1

1가톨릭대학교

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ABSTRACT

This study investigated the effects of householder’s characteristics and perceptionsof the Korean National Health Insurance coverage on getting private medicalinsurances. For this purpose, 6,839 cases were selected from the Korea WelfarePanel Study data and analysed using multiple regression and generalized linearmodels method. The major results were as follows: First, the underprivileged groupperceived the high level of the health insurance coverage. Second, the level of gettingprivate medical insurances among underprivileged group was low and dwelling-geographical variable was shown as the main factor for this result. Third, perceptionsof the health insurance coverage had negative effects on getting privatemedical insurances. Fourth, perceptions of the health insurance coverage andchronic diseases variable had the interaction effect on getting private medicalinsurances. Based on these results above, it is expected to develop the ways of analyzinghealth insurance coverage at the micro dimensions in further. Also, it isnecessary to enforce the level of health insurance coverage by increasing supportsfor chronic diseases such as rarity incurable diseases and cancer, expanding healthinsurance benefits. In addition, it is desirable that private insurances should bestandardized, regulated and supervised by the law and the authorized agency for fair contracts. Also, it is required to implement contribution policy on privateinsurances.

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2. 이론적 배경

3. 연구방법

4. 분석의 결과

5. 결론 및 함의

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* References for papers published after 2022 are currently being built.