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 283,600 won (1985), and 296,400won (1986). The average dependancy 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 contribuitons was sanitary and similar services(l985) and landscape gardening (1986). But in all types of industry, the frequency of utilization in 1986 was lower than that 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 t o 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 dependancy 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 contritutions showed a tendency that war 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 freqency 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. In view of the above contents, general measures to reduce unnecessary medical utilization should be devised to stabilize the finance of the insurance. Medical insurance societies, in consideration of the effect of dispersion on dangers among establishments, should establish and reconstitute small-scale establishments and large-scale ones with a harmonious ararrangement. In the establishments that produce continuous deficits during the fixed financial year, the measures should be devised that make many items to the contribution rate, and that contribute insurance contribuitons according to the number of the dependants. And it is desirable that copayment that has been practiced since 1986 should be continuously practiced.
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