The condition of benefits to contributions on 635 establishments (1985) and 715 ones (1986) that belonged to the medical insurance society in the first area of Taegu was grasped and the results that analyzed factors that were able to have influences on the condition of benefits to contributions by establishment are summarized as follows.
The number of the insured by establishment (1985) was 63, but 59 people (1986). The average standard monthly wage of the medical insurance societies studied was 283, 600won (1985), and 296, 400won(1986). The average dependency ratio was 2.51(1985)´ and 2.45(1986). The frequency of utilization was 3.41(1985) and 2.95(1986). The rate of benefits to contributions was. 96.9%,(1985)-- and 74.3% (1986). The industry that was the lowest in the rate of benefits to contributions was manufacture of chemicals, petroleum, coal, rubber´ and plastic products in 1985 -and 1986.- The industry that was the highest in the rate of benefits to contributions was sanitary and similar services(1985) and landscape gardening (1986). But in all types of industry, the frequency of utilization in 1986 was lower than that in 1985, so the rate of benefits to contributions in 1986 was lower than that in 1985.
The establishment- that_ exceeded 100% of the rate of benefits to contributions was 46.0% (1985), but decreased to 20.5%(1986). The proportion of the establishments that had a deficit of benefits to contributions in all types of industry decreased.
The smaller the scale of establishments was, the higher was the average rate of benefits to contributions, and the specific gravity of establishments that had a deficit of benefits to contributions showed a tendency that was growing higher. The smaller the standard monthly wage was, the higher the frequency, of utilization and the, dependency ratio were and the larger the legal benefits per case was, the higher was the rate of benefits to contributions and the number of the establishments that had a deficit of benefits to contributions showed a tendency that was growing more.
In the result of logarithmetic regression analysis about the rate of benefits to contributions, the legal benefits per case (1985) was 1.0032 and 0.9498(1986). They both showed the highest elasticity. The frequency of utilization, which showed the lowest elasticity, was 0.3009(1985) and 0.5852(1986).
The standard monthly wage and the number of the insured to the rate of benefits to contributions showed minus effect. And in the establishments that had a larger scale and gave the better wage to the workers, it showed that the condition of benefits to contributions was growing better.
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