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Study on Improving the Fairness of Health Insurance in the Burden of Expenses by Diseases

  • Journal of Insurance and Finance
  • 2015, 26(2), pp.85-107
  • Publisher : Korea Insurance Research Institute
  • Research Area : Social Science > Business Management

KIM DAEHWAN ORD ID 1

1동아대학교

Accredited

ABSTRACT

The government has provided a special benefit for four main critical illnesses such as cancer, cerebrovascular diseases, cardiac disorder, and incurable critical diseases with an astronomical amount of money. The benefit will even be reinforced regardless patients’ income level. Therefore, numerous patients who suffer from various critical diseases other than the four diseases are left in the blind spot from the benefit even if they are impoverished. Using the Korea Health Panel data, this study investigates the fairness of the benefits from the public health insurance among patients with various critical illnesses. The empirical results release that numerous patients who suffer from critical diseases other than the four diseases face a 151.2% rise in medical costs which is even higher economic burden than those who suffer from cancer, cerebrovascular diseases, and incurable critical diseases. Therefore, the benefit program by the government is needed to be abolished and unified into another existing benefit program which covers all medical costs over the certain amounts of medical costs diversified by income levels. Moreover, countless non-payment medical treatments should be included into the government’s medical control system.

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