실손의료보험 가입자의 유지 및 해약 행태 실증분석과 시사점

Under the circumstance that the coverage rate of the public health insurance is low, the roles of indemnity private health insurance(IPHI) would be important to cover medical costs. However, the basic roles of IPHI to cover medical costs can be damaged since there is no critical barriers to buy, cancel, and re-buy the indemnity health insurance. Utilizing 2008~2013 data from the Korea Health Panel, this study investigates whether maintaining or canceling the IPHI is selectedly determined. Empirical analysis employing a logit fixed effect model presents the selective behaviors of the insured which can be called ex-post adverse selection. That is, the insured are likely to maintain their contact when they are unhealthy and cancel it otherwise. The insured who have received insurance payments from the IPHI are also unlikely to cancel it. Policies that scale up the continuous contract rate are necessary for intensify the basic role of IPHI, which covers the medical costs resulting from unexpected illnesses and accidents. Since the Korea Health Panel is based on survey, it is essential to perform additional empirical study utilizing the actual data of the insured and non-insured before introducing the policies.