민간의료보험 해약 의향 영향 요인: 한국 의료 패널 2019년 2기 자료를 이용하여

Factors Influencing the Intention to Cancle Private Health Insurance: Using Korea Health Panel Survey 2019 2nd Data Paper Title of Journal of Radiological Science and Technology

The Korean medical expense insurance system can be said to be a hybrid system in which public insurance and private insurance are subscribed. It is necessary to examine what factors of the subjects cause differences in the willingness to cancel private insurance. The subjects of this study were composed based on the 2nd Korean Health Panel data from 2019. Chi-square independence test and logistic regression analysis were used to identify the major factors affecting the cancellation of private health insurance. The willingness to cancel insurance was lower for women, and in terms of lifestyle habits, the willingness to cancel insurance was lower for subjects who had regular exercise habits in the past year, were non-smokers, and drank less frequently. In addition, subjects with chronic diseases had a lower willing- ness to cancel compared to subjects without chronic diseases, and in particular, subjects with cardiovascular disease, malignant neoplasms, and joint disease had a lower willingness to cancel compared to subjects without the disease. In terms of the subjects’ health awareness status, subjects without depression or anxiety had a lower willingness to cancel.