(영문) 한국 사보험 시장에 대한 분석

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와세다대학 교환학생 시절 작성했던
한국 의료보험시장에 대한 분석입니다.
건강보험시장을 공공보험과 사보험시장으로 구분하였고,
데이터 분석을 통해 문제점을 지적하고 개선방향을 모색하였습니다.
A+를 받은 양질의 보고서입니다!

목차

1. Preface

2. Introduction to Private Health Insurance Market of Korea

3. Negative Impact of Private Insurance on Healthcare Market
1) unsocial characteristics of private insuranc
2) Uncoordinated policy with public insurance

4. Reference

본문내용

Korean private health insurance market has shown rapid growth over the last decades. The rate of growth was so great that between 2005 and 2011, total size of the market doubled. In the latest year of available data was 2011, and the total premium revenue for private insurance companies in Korea was approximately 1.7 trillion Japanese Yen (\1,000=100Yen rate will be continually used throughout this paper). More than 60% of the household are enrolled to the private as well (Lee 2012). Even though Korean public health insurance system is praised to be a great system from other countries, private insurance is still playing a major role in the market. Main reason for this growth is due to the consumers’ willingness for extra coverage on health service. In 2010, Korea’s National Health Insurance Service (NHIS) only covers 60% of total medical expenditure across the all income level. Simply to put, remaining 40% of the medical expenditure is what is causing the rapidly-growing demand for private insurance. Consumers want to get rid of the uncertainty regarding the 40% of the medical expenditure.

참고 자료

Hyun(2014), “The Panel Analysis for Health Care Utilization Effects of Private Health Insurance”, page 83, Yonsei University
Kim(2013), “Ceiling on Individuals’ Out-of-pocket Payment”, page 11, Korea Insurance Research Institute
Lee(2012), “Analysis on Current Status and Effect of Private Health Insurance”, table 3-14 of page 84, Health Insurance Policy Institute
Lee(2012), “Analysis on Current Status and Effect of Private Health Insurance”, page 85, Health Insurance Policy Institute
Lee(2012), “Methods for Rational Management of Private Insurance”, page 113, Health Insurance Policy Institute
Park(2011), “Survey on Medical Expenditure of Public Insurance Patient in 2010”, Figure 3-1 of page 15, Health Insurance Policy Institute
Korea Finance Supervisory Service, “Notice on the enrollment of Renewal Actual Loss Insurance”, 2010