Effect of private health insurance on health care utilization in a universal health insurance system: A case of South Korea

민간 의료 보험 가입이 의료 이용에 미치는 영향

  • Lee, You Jin (Department of Economics, Sungkyunkwan University) ;
  • Lee, Jinhyung (Department of Economics, Sungkyunkwan University)
  • 이유진 (성균관대학교 경제학과) ;
  • 이진형 (성균관대학교 경제학과)
  • Received : 2018.01.29
  • Accepted : 2018.06.12
  • Published : 2018.06.30


Purpose: this study investigates the effect of private health insurance on healthcare utilization. Methodology: For the analysis, we employed the three level nested two part model. Findings: the private health insurance adoption was associated with higher health care utilization. In particular, indemnity and fixed insurances adoption was associated with higher probability of outpatient visit, the number of outpatient visit and outpatient cost. While indemnity insurance adoption was associated with higher inpatient admission probability and inpatient days, fixed insurance adoption was associated only with higher inpatient admission probability. Practical Implications: indemnity and fixed insurance adoption were related with the adverse selection as well as moral hazard.


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