Jyväskylä University School of Business and Economics, University of Jyväskylä, PO Box 35, FI-40014 Finland.
Health Policy. 2023 Jun;132:104820. doi: 10.1016/j.healthpol.2023.104820. Epub 2023 Apr 6.
Voluntary private health insurance (VPHI) has gained popularity in universal public healthcare systems. We studied how the local provision of healthcare services correlated with VPHI take-up in Finland. Nationwide register data from a Finnish insurance company was aggregated to the local level and augmented with high-quality data on public and private primary care providers' geographical closeness and fees. We found that the sociodemographic characteristics explained the VPHI take-up more than public or private healthcare provision. The VPHI take-up was negatively associated with distance to the nearest private clinic, while the associations with distance to public health stations were statistically weak. Fees and co-payments for healthcare services were not associated with insurance take-up, meaning that the geographical closeness of providers explained the take-up more than the price of services. On the other hand, we found that VPHI take-up was higher when local employment, income and education levels were higher.
自愿私人医疗保险（VPHI）在普及公共医疗保健系统中越来越受欢迎。我们研究了芬兰当地医疗服务的提供与 VPHI 参保之间的关系。我们将一家芬兰保险公司的全国性登记数据汇总到地方一级，并增加了关于公共和私人初级保健提供者地理位置接近程度和收费的高质量数据。我们发现，社会人口特征比公共或私人医疗保健的提供更能解释 VPHI 的参保情况。VPHI 的参保与到最近的私人诊所的距离呈负相关，而与公共卫生站的距离的关联在统计学上较弱。医疗服务的费用和共付额与保险参保无关，这意味着提供者的地理位置接近程度比服务价格更能解释参保情况。另一方面，我们发现当地就业、收入和教育水平较高时，VPHI 的参保率更高。
