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의료보험 재정안정화 방안(Measures for the stable medical insurance fund) : 진료비 상승억제 측면

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  • 의료보험 재정안정화 방안(Measures for the stable medical insurance fund)
  • 노인철; 한혜경; 이필도
  • 한국보건사회연구원


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Title 의료보험 재정안정화 방안(Measures for the stable medical insurance fund)
Similar Titles
Sub Title

진료비 상승억제 측면

Material Type Reports
Author(Korean)

노인철; 한혜경; 이필도

Publisher

서울:한국보건사회연구원

Date 1990-12
Series Title; No 연구 / 1990-20
Pages 195
Subject Country South Korea(Asia and Pacific)
Language Korean
File Type Link
Subject Social Development < Health
Holding 한국보건사회연구원

Abstract

This research examined the causes of medical cost increases through a macro analysis of the medical cost covered by insurance and hospitalization costs, with an aim to present measures for securing stable finance for medical insurance system.
Korea’s medical insurance was extended to cover all Koreans within 12 years of its adoption, after rural residents were included in 1988 and urban residents in 1989. The volume of insurance finance rapidly increased accordingly, as shown from insurance expenditure, which increased by 10.5 times in 1989. Many economically advanced countries have expanded the scope of their coverage along with the amount of insurance compensated, and enhanced their supply systems. However, even these countries are seeking to devise measures to secure stable finance for their insurance systems as their economy slows, which indicates that it is also necessary for Korea to devise ways to stabilize the financial base of its medical insurance system.
A number of reasons are cited as causes for the rise of the medical insurance costs; subsidies for local medical insurance programs, the increase of medical costs for patients age 45 and older, the increase in the number of medical tests, prescription of medicines, and lengthened hospital stays. Medical treatment has evolved a double structure, with a special care and general care system, and basic medical fees are set at an unrealistically low level. It was noted that this double structure of the medical system contributed to an increase in medical fees, as hospitals tend to encourage unnecessary tests and treatments.
To address this issue, policy direction should be towards suppression on the side of the supply. Specifically, the following measures are recommended: enhancing and utilizing local medical facilities to be better prepared for an aging society and to provide the suitable the medical treatment for patients age 45 and older, keeping medical costs down through separation of prescribing and dispensing drugs, eradicating overinvestment in medical equipment through investment sharing, and reforming the medical insurance fee system.