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KMID : 0613620230430030226
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Health Social Welfare Review
2023 Volume.43 No. 3 p.226 ~ p.242
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Clinicians’ Perceptions of the Car Insurance Medical System
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Kim Sae-Rom
Hyun Eun-Hye
Kim Seong-Keun
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Abstract
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While car insurance primarily serves as a system designed to compensate for casualties and property damages resulting from road traffic accidents, it also encompasses features of a medical system, providing coverage for medical expenses incurred by road traffic injury patients. This study aimed to describe clinicians' perceptions of the institutional effectiveness of the car insurance medical system in treating patients with road traffic injuries and explore factors associated with perceived effectiveness. A total of 145 clinicians from seven medical specialties were initially contacted. In the first survey conducted in 2021, 128 clinicians participated, and in the second survey conducted in 2022, 76 participated again. Clinicians, overall, rated the institutional effectiveness of the car insurance medical system lower than that of National Health Insurance and Workers' Compensation Insurance. Of the five patterns of care provision presented, ‘overprovision among most, non-severe patients with low care needs and underprovision among a small proportion of severe patients with high care needs’ was chosen as the dominant pattern under the current car insurance medical system by more than two-thirds of the survey participants. Furthermore, approximately eighty percent of clinicians reported facing barriers to providing appropriate care for severe road traffic injury patients, largely due to the restricted application of covered services. The perceived institutional effectiveness of the car insurance medical system varied based on specialty, the proportion of severe road traffic injury patients regularly seen, and limitations on appropriate care provision for this patient group. Taken together, these results indicate the need to actively recognize car insurance as a medical system, going beyond its conventional role of providing compensation, and to improve its institutional effectiveness.
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KEYWORD
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Car Insurance, Institutional Effectiveness, Clinicians, Perception
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