Park Sooyeol, Kim Kanghee, Callison Kevin
Department of Health Policy and Management, Tulane University School of Public Health and Tropical Medicine, New Orleans, LA, USA.
Department of Health Policy and Management, University of North Carolina at Chapel Hill, Chapel Hill, NC, USA.
Int J Soc Determinants Health Health Serv. 2025 Apr;55(2):187-198. doi: 10.1177/27551938241293382. Epub 2024 Oct 30.
This article aims to evaluate the effect of enrolling in supplementary private health insurance on household debt, medical spending, and medical service use among South Koreans experiencing a health shock. Using data from the Korean Welfare Panel Study from 2009 through 2017, we compared household debt and health service use for those with and without private supplemental health insurance after experiencing a health shock. We found no significant differences in household debt or the financial burden of a health shock between those with and without supplemental health insurance coverage following a shock. Households with supplemental coverage used more medical services compared to households without supplementary coverage and incurred additional medical expenses.
本文旨在评估加入补充性私人医疗保险对经历健康冲击的韩国家庭债务、医疗支出和医疗服务使用情况的影响。利用2009年至2017年韩国福利面板研究的数据，我们比较了经历健康冲击后有和没有私人补充医疗保险的家庭的债务情况和医疗服务使用情况。我们发现，遭受冲击后，有补充医疗保险和没有补充医疗保险的家庭在家庭债务或健康冲击的经济负担方面没有显著差异。与没有补充保险的家庭相比，有补充保险的家庭使用了更多的医疗服务，并产生了额外的医疗费用。
