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KMID : 1170320170230030001
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Korean Journal of Health Economics and Policy
2017 Volume.23 No. 3 p.1 ~ p.36
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Literature Review on Private Health Insurance in Korea for the Last 20 Years
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Kang Sung-Wook
Kwon Young-Dae
Choi Ji-Heon
You Chang-Hoon
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Abstract
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The purpose of this study was to analyze the research papers published in the last 20 years about the private health insurance by period and subject, used data and analysis methods, and empirical results (126 papers).
The results of this study are as follows: The higher the level of education, the higher the level of income, the higher the income level, the higher the probability of middle age, the more the private health insurance subscription. Considering only the population and social characteristics of the insured, it can be said that favorable selection is performed rather than adverse selection. The difference between the insurance subscriber and the non-subscriber medical use is mainly reported in the outpatient service use in the initial study where the flat type private health insurance was mostly used. However, in the latter study, differences in the outpatient and inpatient service use were reported. If the coverage of public insurance does not expand significantly and at the same time the size of the private health insurance industry grows, it is predicted that the difference of access to medical care among various social and economic classes due to private health insurance will be further intensified. Future research should include research on segregating increased health care utilization from private health insurance into uninsured and insured services by public health insurance, research on effects of private health insurance on health care delivery system, research on moral hazard of suppliers, and a study of premiums and market size of private health insurance.
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KEYWORD
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private health insurance, adverse selection, moral hazard, endogeneity, panel data
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