• 대한예방한의학회지
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• 제24권2호
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• pp.31-41
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• 2020

Background : The introduction of policies expanding the coverage of uninsured Korean Medicine (KM) services have requires an understanding of the following components of the service : current financial expenses, degree of financial burden on the patient, and financial effect of the coverage expansion. Objectives : This study aims to determine the annual trend of outpatients' characteristics and the category of out-of-pocket spending in KM. Methods : This study uses data from the Korea Health Panel to analyze use of KM in the Korean population. Using the user characteristics and behavior drawn from the Korea Health Panel data, out-of-pocket spending trends of KM were analyzed by year. The diagnosis and prescription of out-of-pocket spending were also analyzed. Results : The proportion of patients receiving uninsured medical treatment and the number of uninsured medical treatment in outpatient clinics have increased. However, the average out-of-pocket spending per person and out-of-pocket spending per visit are consistent or have decreased. Meaningful trends are the increase of R00-R99 (unclassified symptoms) and the decrease of K00-K93 (digestive system disease) and J00-J99 (respiratory system disease). Conclusions : Expansion of KM medical service and insurance is influenced by uninsured medical treatment of KM. Hence, research to increase medical treatment categories for out-of-pocket spending or explore diseases where KM diagnosis has been proven effective should be further developed.

• 한국병원경영학회지
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• 제22권4호
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• pp.61-73
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• 2017

In the Health Insurance System of South Korea, patients must pay high out-of-pocket expenditures for the medical service by uninsured medical benefits. So, the government implemented a policy to relieve the burdens of patients by lowering the uninsured selective-medical treatment costs in August, 2014. This study investigate the policy effects of selective-medical treatment(SMT) on the medical service's usage and cost with severe lung cancer patients. The patients are selected in one university hospital(with 1,000 beds), between one year before and after policy implementation. The study find that the usages of outpatient(visit number) and inpatient (length of stay) are not changed by statistically significant. It means that there are no effect in medical service behavior between before and after the policy. In medical expenses, outpatients decreased in their out-of-pocket payments by policy, but total medical expenses and insured medical benefits is not changed, because of the increased another medical insurance fees. For inpatient, although the SMT costs are statistically significant decrease, the total out-of-pocket payments and insured medical expenses are not changed statistically significant. Those findings show that the political decision making about SMT made lowing the selective-medical expenses, but total insured cost and patient's out-of pocket money were not changed by the new increased medical insurance fees. It means that the policy about SMT gave no particular benefit for patients. So, it need another benefit plans to lower the medical expenses of severe lung cancer patients with a high medical service usage and much total medical expense.

• 대한예방한의학회지
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• 제22권1호
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• pp.1-14
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• 2018

Objectives : This study aimed to analyze the characteristics of uninsured herbal medicine(UHM) users and the economic and social barriers of UHM utilization. Methods : We used the Korea Health Panel Data, representative national survey on medical utilization and cost, provided by National Health Insurance Service and Korea Institiute of Health and Social Affairs. The frequency analysis was used to identify the characteristics of the respondents, and the cross-analysis (${\chi}^2-test$) was used to verify the relationship between their characteristics and the usage of UHM. In order to analyze the determinants of using the UHM considering the individual's characteristics, logistic regression analysis and multiple regression analysis were conducted for those who used the Korean medicine (KM) outpatient service in 2015. Results : The usage of UHM was significantly lower for those (1) who's age of 20 to 65; (2) who have the university or higher education degree; (3) who live in Jeju province, and (4) who bought the herbal medicine for other health related purposes. On the other hand, the usage of UHM for those (1) who have the first quintile of household income; (2) who have the chronic respiratory disease; (3) who have been taking the medicine for health promotion purpose for more than 3 months and (4) who have purchased the food which has health promotion function was significantly higher than others. The patients who have chronic musculoskeletal diseases accounted the most among the UHM users. Conclusions : There was the considerable inequality in the usage of UHM among household income groups, which provides policy rationale for UHM to be covered by national health insurance. To facilitate the coverage expansion, restrictive covering model can be considered for children and adolescents, or for patients with muskuloskeletal diseases who have the high demand for UHM.

• 한국콘텐츠학회논문지
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• 제10권12호
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• pp.190-204
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• 2010

본 연구는 우리나라의 민간의료보험 가입자의 인구 사회 경제학적 특성과 가입자와 미가입자간의 질병 유형, 예방 및 건강행태, 의료이용 양상 등을 비교하였다. 그리고 민간보험 가입의 영향을 파악하여 향후 국민건강보험 및 민간의료보험 관련제도의 바람직한 발전방향을 제시하기 위한 기초자료 활용에 그 목적이 있다. 연구의 결과는 민간의료보험 가입 요인은 인구 사회 경제적 요인이 유의하게 나타났으며, 국민건강 영양조사에서 이루어진 인플루엔자 예방접종율과 건강보험 건강검진은 민간의료보험 가입자에게서 더 낮았고, 지난 2년간 본인부담 건강검진비율과 지난 2년간 암검진비율은 민간의료보험 가입자의 검진율이 더 높았다. 그리고 건강행위 평균을 민간의료보험 가입여부별로 보면, 격렬한 신체활동을 실천하는 비율은 민간의료보험 가입자가 더 높았고, 평균 수면시간, 1주일간 격렬한 신체활동을 하는 일수, 1주일간 중등도 신체활동을 하는 일수, 1주일간 유연성 운동일수 및 1주일간 근력운동일수에서도 민간의료보험 가입자가 미가입자 보다 많았다. 걷기를 실천하는 비율과 1주일간 걷기일수는 민간의료보험 가입자가 미가입자보다 적었다. 의료이용에 민간의료보험이 어떤 영향을 미치고 있는가를 살펴본 결과에서는 외래이용이 있는 경우와 입원이용횟수에서 민간의료보험가입자가 미가입자보다 외래를 이용할 확률이 높았고, 더 많은 횟수의 입원이 관련 요인으로 나타났다.

• 보건의료산업학회지
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• 제7권4호
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• pp.143-151
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• 2013

The purpose of this study was to analyze the socio-economic factors, the factors affecting the private insurance, utilizing Korea National Health & Nutrition Examination Survey 2011. Findings of the study can be summarized as follows. First, participants with private insurance are young, high monthly income, low prevalence of chronic illness. Second, participants with private insurance and chronic illness were young and high monthly income. Third, Average monthly household income, the higher the age is younger. Private insurance and national health insurance was higher subscription rate. Consequently, participants with private insurance and uninsured of the major differences is the age and the average monthly income. Elderly, low income are needed health promotion and disease prevention for expanded medicare, welfare policies.

• Journal of Preventive Medicine and Public Health
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• 제49권2호
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• pp.118-128
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• 2016

Objectives: The purposes of this study were to examine the status of children and adolescents with regard to enrollment in private medical insurance (PMI) and to investigate its influence on their utilization of medical services. Methods: The present study assessed 2973 subjects younger than 19 years of age who participated in five consecutive Korea Health Panel surveys from 2009 to 2012. Results: At the initial assessment, less than 20% of the study population had not enrolled in any PMI program, but this proportion decreased over time. Additionally, the number of subjects with more than two policies increased, the proportions of holders of indemnity-type only ('I'-only) and of fixed amount+indemnity-type ('F+I') increased, whereas the proportion of holders with fixed amount-type only ('F'-only) decreased. Compared with subjects without private insurance, PMI policyholders were more likely to use outpatient and emergency services, and the number of policies was proportionately related to inpatient service utilization. Regarding outpatient care, subjects with 'F'-only PMI used these services more often than did uninsured subjects (odds ratio [OR], 1.69), whereas subjects with 'I'-only PMI or 'F+I' PMI utilized a broad range of inpatient, outpatient, and emergency services relative to uninsured subjects (ORs for 'I'-only: 1.39, 1.63, and 1.38, respectively; ORs for 'F+I': 1.67, 2.09, and 1.37, respectively). Conclusions: The findings suggest public policy approaches to standardizing PMI contracts, reform in calculation of premiums in PMI, re-examination regarding indemnity insurance products, and mutual control mechanisms to mediate between national health insurance services and private insurers are required.

• 대한예방한의학회지
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• 제19권2호
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• pp.37-50
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• 2015

Objective : In order to understand the scale of medicinal expenditure in the Korean medicine, an analysis has been made of Korean National Health Account and statistic archives used to estimate the Korean National Health Account and also of such archives as are contributory to learn the scale of total health expenditures in the Korean medicine. Method : From the Korean National Health Account archives, an analysis has been made of National health insurance statistic annual reports, National health insurance non-payment items, Korean Economic Census (The Service Industy Survey), and Korea Health Panel data. Moreover, in order to know the sales of overall Korean medicine clinics, relevant data have been utilized and cited from investigations into National tax statistics, Korean medicine medical institutions and Korean medicines used, and current states of medicinal herbs and Korean medicine industry. Results : It is found that the average scale of each section of the medical expenditures archives in the Korean medicine in 2012 was KRW 3.5638 billion and that the average medical expenditures in the Korean medicine derived from Total Health Expenditure, The Service Industy Survey, National tax statistic, and Korean medicine industry are approximately KRW 3.3901, 3.4796, 3.7218 and 3.9634 billion. And the average expenditures derived from National health insurance patients and Korea Health Panel data are 2.5162 and 2.2292 billion won and those from the users and consumers of Korean medicines and herbs are 5.6,461 billion won. In order to verify the appropriateness of estimated medical expenditures in the Korean medicine included in the archives, an analysis has been made of uninsured costs which come from the aggregate sales amount surveyed minus health insurance treatment expenditures and it is found that the ratio of insured costs against total health expenditures in 2006 was 50.67% and 41.92% in 2012 and that the ratio based on National tax statistics and The Service Industy Survey was 52.19% and 49.28% in 2006 and 50.54% and 50.64% in 2012 and that the ratio of uninsured costs against Korean medicines and herbs and Korean medicine industry was 37.5% and 58.27% in 2013. Conclusion : It calls for the improvement of the accuracy of an investigation into Total Health Expenditure which comprise the actual conditions of health insurance and Korea Health Panel, the development of statistic schemes for understanding and classifying medical expenditures of all the Korean medicine medicinal institutions like medicinal clinics, and enhanced methods for independent panels to comprehensively collect and analyze the number of sampled Korean medicine medical institutions.

• 보건의료산업학회지
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• 제6권2호
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• pp.165-177
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• 2012

This study examined market size of private health insurance premium and individual characteristics associated with the market size change in Korea, using wave 1 (2008) and wave 2 (2009) of Korea Health Panel. The market size was 24.4 trillion Korean won in 2008 and 26.9 trillion in 2009. The increase rate of private health insurance premium among those who were the elderly, single, or the poor was higher than that among their counterpart respectively. Health status and utilization were insignificant in determining the increase rate of private health insurance premium. These findings were more obvious among the uninsured in 2008 than among the insured in 2008. The increase of private health insurance premium in Korea imply the increase of willingness-to-pay for health risk through private sector. The authors suggest policy intervention for accessability to health care for the underprivileged and weak through enlargement of Korean social health insurance benefit.

• 의료법학
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• 제17권1호
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• pp.299-346
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• 2016

2015년 한해에도 의료분야에서 다양한 판결이 선고되었다. 요양원 입소자에 대하여 요양원측 과실로 상해가 발생하여 요양원을 운영하는 사회복지법인이 환자의 진료를 의뢰한 사건에서 진료계약의 당사자 확정 기준이 제시되었고, 뇌사상태에 빠진 환자 가족의 무의미한 연명치료 중단 요구에 대하여 병원이 이를 거부하고 계속 진료한 경우 청구 가능한 진료비에 관한 판단이 이루어졌다. 안전성이 확인되지 아니하여 2011. 2. 보건복지부로부터 사상 초유의 시술중단조치를 받았던 눈미백수술에 관하여 법원은 시술 자체의 위법성을 인정하지는 아니하였으나 임상시험 단계에 있어 비용 대비 효과가 확립되어 있지 않다는 사실을 설명하지 아니한 설명의무 위반으로 전 손해의 배상을 명하였다. 의료과실을 적극적으로 인정한 판결로는 척추수술 후 마미증후군이 발생한 사건들에서 수술과정상 과실이 인정된 사례가 상당수 있었고, 병원감염 사건에서 감염을 유발한 과실을 인정한 판결이 선고되었다. 응급의료에 관한 법률상 응급장비 설치의무와 응급상황 발생시 조치의무를 구분하여 의료과실을 인정한 판결이 선고되었고, 극히 드문 희귀질환이라 하더라도 그에 대한 적절한 조치를 취하지 않은 의료기관에게 과실을 인정한 판결이 선고되었다. 손해배상의 범위와 관련하여 항소심 신체재감정 결과 노동능력상실률이 1심보다 작아지자 시간의 경과에 따라 노동능력상실률을 달리 적용하거나 환자의 상태에 따라 노동능력상실률을 신체감정 결과보다 낮게 인정하는 등 실체진실에 부합하는 판결이 선고되었다. 의료과실로 손해가 발생한 경우 의료사고 후 발생한 진료비에 책임제한이 적용되는지 여부와 관련하여 법원은 병원에서 환자 상태의 치유 또는 악화를 방지하는 정도의 치료만 계속되었다면 환자에게 진료비 지급을 청구할 수 없다는 이유로 병원 측의 상계주장을 배척하였다. 사전심의를 받지 않은 의료광고를 금지하고 그 위반시 처벌하는 의료법 규정에 대하여 사전심의기관인 대한의사협회 등의 행정기관성을 부인할 수 없어 사전검열에 해당한다는 이유로 위헌결정이 내려졌다. 임상에서 흔하게 시행되고 있는 PRP 치료가 법정비급여에 해당하는지 여부에 관하여 법원은 법정비급여 여부는 이론적인 가능성이나 실제 실시 여부 등에 따라 결정되는 것이 아니라 의학적 안전성 유효성을 인정받은 후 요양급여 또는 비급여대상으로의 편입절차를 거쳐야 함을 분명히 하였다. 또한 법원은 요양병원 적정성 평가에 관한 행정소송에서, 구조부문의 조사방식이나 절차상 위법을 인정하면서도 그 위법사유의 정도가 당연무효에까지는 이르지 아니하고 평가기관의 고의 과실이 없다는 이유로 건강보험심사평가원과 국민건강보험공단에 부당이득반환이나 손해배상의무가 없다는 판단을 하였다. 향후 더욱 다양하게 제기되는 쟁점들에 관하여 명쾌한 법리를 통해 실체진실에 다가가는 판결을 기대해본다.

• 동의생리병리학회지
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• 제27권5호
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• pp.667-671
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• 2013

The aim of this study was to know the current management status in Korean medical clinics (KMC) and the awareness of Korean medicine doctor. The simple random extraction method from the membership list of 'The Association of Korean Medicine' in 2010 was used for survey. The questionnaire which had used in 2008 was revised, and those were sent to each KMC by mail. A total of 107 data were acquired and frequency analysis was conducted. The result showed that the annual average employees working in each KMC was 2.9 persons and the number of daily outpatient was 33.8 person in 2010. The proportion of sales covered by medical insurance at KMC has been increasing annually as 42.9%, 43.5%, and 44.8% of total sales, whereas the uninsured sales was 57.1%, 56.5%, and 55.2% of total sales in 2008, 2009, and 2010 respectively. All of the responders recognized that the current situation of Korean medical service market was not good and the reason was mainly resulted from undeveloped medical technique, popularized use of functional foods for health and alternative medical care by Western medicine. To expand Korean medical service, the expansion of sales covered by public health medical insurance, government support and advertizement for public relation were needed.