scholarly journals Effects of Private Health Insurance on Unmet Medical Experience in Chronic disease Patients

2019 ◽  
Vol 29 (Supplement_4) ◽  
Author(s):  
J H lee
Keyword(s):  
Health Insurance ◽  
Chronic Disease ◽  
Chronic Diseases ◽  
Low Income ◽  
Private Health Insurance ◽  
Private Insurance ◽  
Median Income ◽  
Chronic Patients ◽  
Medical Experience ◽  
The Impact

Abstract Background Chronic patients are called ’long-term disorders,’ as they last for more than a year. They need continuous care, so health care through easily accessible medical institutions such as primary care is needed for them. In South Korea, however, they are mostly managed through secondary medical service systems, such as hospitals that are difficult to access. This causes them to increase their own burden rate, limiting their ongoing management of the chronic disease. However, it is known that Korea’s private health insurance policy affects the use of medical services, their own burden rate and reduces the unmet medical experience. Therefore this study aims to analyze the impact of the Korean chronic disease on private insurance subscription and unmet medical experience. Methods Using the 2014 survey data of the Korea Welfare Panel, the final analysis of the study was 4,243 households with chronic diseases among 6,581 households. The independent variable of this study is whether private health insurance is subscribed or not, and the dependent variable is unmet medical experience due to economic factors. The analysis method used frequency analysis and logistic regression. [Use SPss 22 for analysis] Results 1,417(33.4%) of households subscribed to private insurance. The figure is significantly lower than the country’s reported private health insurance subscription rate (72.6%). Based on the median income of 60 percent of household income, high-income households have lower unmet medical experience than low-income households. In the case of unsubscribed private health insurance among the people with chronic diseases, the unmet medical experience was 1.921 times higher than that of those who signed up. Conclusions: In order to reduce the burden on chronic patients, the government needs to strengthen the primary medical care system.Reinforce connectivity with private insurance through public financial support of national health insurance. Key messages Chronic disease. Private health insurance.

scholarly journals The impacts of health insurance on financial strain for people with chronic diseases

2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Zixuan Peng ◽  
Li Zhu
Keyword(s):  
Public Health ◽  
Health Insurance ◽  
Chronic Diseases ◽  
Private Health Insurance ◽  
Private Insurance ◽  
Binary Logistic Regression ◽  
Public Health Insurance ◽  
Financial Strain ◽  
Chi Square ◽  
Financial Barriers

Abstract Background Due to ongoing expenses for both short-term and long-term needs for health services, people with chronic diseases tend to struggle with financial hardship. Health insurance is employed as a useful tool in aiding people to solve such financial strain. This study aims to examine and compare the impacts of public and private health insurance on solving financial barriers for people with chronic diseases. Methods This research obtained an outpatient sample consisted of 1739 individuals and an inpatient sample consisted of 1034 individuals. We employed a Chi-square test and a two-sample T-test to explore differences in financial strain and insurance status between people with chronic diseases and those without. Then we adopted binary logistic regression technique to assess the impacts of different types of health insurance on outpatient and inpatient financial strain for people with chronic diseases. Results Our research has five key findings: first, people with chronic diseases were more likely to experience both the outpatient and inpatient financial strain (P < 0.01); second, public health insurance was found to reduce the outpatient financial strain; third, private health insurance was found to positively associate with inpatient financial barriers; fourth, Urban Employment Insurance (UEI) was expected to reduce both the outpatient and inpatient financial barriers, while self-paid private insurance (SPI) was positively associated with inpatient financial barriers; and fifth, income was identified as a positive predictor of having outpatient and inpatient financial strain. Conclusions Public health insurance has the potential to reduce the outpatient financial strain for people with chronic diseases. Private health insurance was identified as a positive predictor of inpatient financial strain for people with chronic diseases. Policy should be proposed to promote the capacity of public health insurance and explore the potential effects of private health insurance on solving the inpatient financial barriers faced by people with chronic diseases in China.

scholarly journals The impact of chronic disease and disability on the elderly

1999 ◽  
Vol 55 (3) ◽  
pp. 9-14
Author(s):  
C. J. Eales
Keyword(s):  
Health Care ◽  
Chronic Disease ◽  
Chronic Diseases ◽  
Health Care Systems ◽  
The Elderly ◽  
Therapeutic Interventions ◽  
Elderly Persons ◽  
Care Systems ◽  
And Function ◽  
The Impact

Health care systems for elderly people should aim to delay the onset of illness, reducing the final period of infirmity and illness to the shortest possible time. The most effective way to achieve this is by health education and preventative medicine to maintain mobility and function. Changes in life style even in late life may result in improved health, effectively decreasing the incidence of chronic diseases associated with advancing age. This paper presents the problems experienced by elderly persons with chronic diseases and disabilities with indications for meaningful therapeutic interventions.

scholarly journals Relationship between Morbidity and Health Behavior in Chronic Diseases

2020 ◽  
Vol 9 (1) ◽  
pp. 121 ◽  
Author(s):  
Munjae Lee ◽  
Sewon Park ◽  
Kyu-Sung Lee
Keyword(s):  
Health Insurance ◽  
Health Behavior ◽  
Health Behaviors ◽  
Chronic Diseases ◽  
Lower Risk ◽  
Private Insurance ◽  
Medical Checkup ◽  
Lower Socioeconomic ◽  
Comprehensive Programs ◽  
Primary Care Institutions

This study aimed to analyze the demographic characteristics and health behaviors related to chronic diseases and to identify factors that may affect chronic diseases. Data from the Seventh Korea National Health and Nutrition Examination Survey were used, and 3795 adults aged above 40 years were included. The following demographic variables were obtained: sex, age, education, income, type of health insurance, and private insurance. The following health behavior factors were also analyzed: medical checkup, drinking, smoking, exercise, obesity, and hypercholesterolemia. Participants with lower socioeconomic status had a higher risk of developing chronic diseases. Meanwhile, those with private health insurance had a lower risk of developing chronic diseases. In addition, participants who underwent medical checkups and performed exercises had a lower risk, while those with obesity and hypercholesterolemia had a higher risk of developing chronic diseases. It is necessary to manage chronic diseases through comprehensive programs, rather than managing these diseases individually, and through community primary care institutions to improve health behaviors.

scholarly journals Catastrophic health expenditure incidence and its equity in China: a study on the initial implementation of the medical insurance integration system

2019 ◽  
Vol 19 (1) ◽  
Author(s):  
Huan Liu ◽  
Hong Zhu ◽  
Jiahui Wang ◽  
Xinye Qi ◽  
Miaomiao Zhao ◽  
...  
Keyword(s):  
Health Insurance ◽  
Health Services ◽  
Low Income ◽  
Health Expenditure ◽  
Concentration Index ◽  
Medical Insurance ◽  
Catastrophic Health Expenditure ◽  
Integration System ◽  
Integration Policies ◽  
The Impact

Abstract Background By 2013, several regions in China had introduced health insurance integration policies. However, few studies addressed the impact of medical insurance integration in China. This study investigates the catastrophic health expenditure and equity in the incidence of catastrophic health expenditure by addressing its potential determinants in both integrated and non-integrated areas in China in 2013. Methods The primary data are drawn from the fifth China National Health Services Survey in 2013. The final sample comprises 19,788 households (38.4%) from integrated areas and 31,797 households (61.6%) from non-integrated areas. A probit model is employed to decompose inequality in the incidence of catastrophic health expenditure in line with the methodology used for decomposing the concentration index. Results The incidence of catastrophic health expenditure in integrated areas is higher than in non-integrated areas (13.87% vs. 13.68%, respectively). The concentration index in integrated areas and non-integrated areas is − 0.071 and − 0.073, respectively. Average household out-of-pocket health expenditure and average capacity to pay in integrated areas are higher than those in non-integrated areas. However, households in integrated areas have lower share of out-of-pocket expenditures in the capacity to pay than households in non-integrated areas. The majority of the observed inequalities in catastrophic health expenditure can be explained by differences in the health insurance and householders’ educational attainment both in integrated areas and non-integrated areas. Conclusions The medical insurance integration system in China is still at the exploratory stage; hence, its effects are of limited significance, even though the positive impact of this system on low-income residents is confirmed. Moreover, catastrophic health expenditure is associated with pro-poor inequality. Medical insurance, urban-rural disparities, the elderly population, and use of health services significantly affect the equity of catastrophic health expenditure incidence and are key issues in the implementation of future insurance integration policies.

scholarly journals The Evolution of Medical Spending Risk

2009 ◽  
Vol 23 (4) ◽  
pp. 25-48 ◽  
Author(s):  
Jonathan Gruber ◽  
Helen Levy
Keyword(s):  
Health Insurance ◽  
Medical Care ◽  
Low Income ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Spending ◽  
The United States ◽  
Consumer Expenditure ◽  
Out Of Pocket Payments ◽  
Over Time

How has the economic risk of health spending changed over time for U.S. households? We describe trends in aggregate health spending in the United States and how private insurance markets and public insurance programs have changed over time. We then present evidence from Consumer Expenditure Survey microdata on how the distribution of household spending on health—that is, out-of-pocket payments for medical care plus the household's share of health insurance premiums—has changed over time. This distribution has shifted up over time—households spend more on medical care and insurance than they used to—but for the purposes of measuring change in risk, it is not the mean but the dispersion of this distribution that is of interest. We consider two measures of dispersion that serve as proxies for household risk: the standard deviation of the distribution of household health spending and the ratio of the 90th percentile of spending to the median (the so-called “90/50 gap”). We find, surprisingly, that neither has increased despite the rapid rise in aggregate health spending. This conclusion holds true for broad subgroups of the population (for example, the nonelderly as a group) but not for some narrowly-defined subgroups (for example, low-income families with children). We next consider how much risk households should face, from the perspective of economic efficiency. Household risk may not have changed much over the past several decades, but do we have any evidence that this level represents either too much or too little risk? Finally, we discuss implications for public policy—in particular, for current debates over expanding health insurance coverage to the uninsured.

scholarly journals Financial Protection in Health Insurance Schemes: A Comparative Analysis of Mediclaim Policy and CHAT Scheme in India

2012 ◽  
Vol 14 (1) ◽  
pp. 13-25 ◽  
Author(s):  
Sukumar Vellakkal
Keyword(s):  
Health Insurance ◽  
Low Income ◽  
Private Health Insurance ◽  
Household Survey ◽  
Financial Protection ◽  
Health Plans ◽  
Total Health Expenditure ◽  
Hypothetical Situation ◽  
Resource Poor ◽  
Insurance Penetration

This article analyzes the level of financial protection to low-income people during illness in ‘private health insurance’ and ‘people’s preferred health insurance’. In a hypothetical situation of being insured with both the pro-poor version of the ‘Mediclaim policy’ (private health insurance) and CHAT—‘Choosing Health Plans All-Together’—scheme (people’s preferred health insurance), this study analyzed the out-of-pocket-spending for health care incurred by persons per reported illness episodes in four select resource-poor locations in India. Three data sources were used: (a) household survey, (b) CHAT: a field-based experiment conducted in India to reveal people’s preference for health insurance benefits and (c) the specification of conditions of Mediclaim policy. The study found, first, that the Mediclaim policy covers a small proportion (8 per cent) of the total reported illness episodes but CHAT scheme covers a large proportion (90 per cent) of illness episodes and, second, that the Mediclaim policy reimburses 5 per cent of the total health expenditure but CHAT scheme reimburses 37 per cent. The study concludes that private health insurance provides lower level of financial protection compared to ‘people’s preferred health insurance’ and hence recommends that health insurance packages must be comprehensive and reflect community preference to make it attractive so that health insurance penetration can be increased.

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