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Korean Journal of Preventive Medicine 1989;22(4): 578-590.
A Study on the Insurance Contribution and Health Care Utilization of the Regional Medical Insurance Scheme.
Sang Il Lee, Hyun Rim Choi, Hyeong Sik Ahn, Yong Ik Kim, Young Soo Shin
Department of Health Policy and Management, College of Medicine, Seoul National University, Seoul, Korea.
ABSTRACT
This study was conducted to assess the equity in the regional insurance scheme through analysis of the computerized data from one regional insurance society and National Federation of Medical Insurance. We analysed the insurance contribution and benefit by the classes based on total and income-related contribution per household. The major findings of this study are as follows: 1. The average proportion of income-related contribution among the total was 39.2% and the upper classes show higher proportion of the income-related contribution. 2. The upper classes show higher health care utilization rate than the lower classes. It suggests that the lower classes have relatively large unmet medical needs. 3. The analysis through the Lorenz curve reveals that there exists transference of contributions from the upper to lower classes. But the cumulative percentage of insurance benefit is smaller than that of the number of the insured. It implies that regional medical insurance scheme in Korea has still some inequity in the context of social security principles.
Key words: Regional Medical Insurance; Health Care Utilization; Transference of Contributions; Lorenz Cure; Equity
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