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¾Ï À§ÇèÀνİú ¾Ïº¸Çè °¡ÀÔ - ¿ª¼±Åà °¡´É¼º - (2014 ³í¹®Áö¿ø, ±è´ëȯ)
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¾Ï À§ÇèÀνİú ¾Ïº¸Çè °¡ÀÔ - ¿ª¼±Åà °¡´É¼º- 

- ºÒ¿¬¼Ó½Ã°£Ã¼°èÇÏ¿¡¼­ÀÇ Á¢±Ù -

 

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¿ì¸®³ª¶óÀÇ °æ¿ì ¾Ï ¹ßº´·ü°ú ¾ÏÀ¸·Î ÀÎÇÑ »ç¸Á·üÀÌ ³ô°í, ¾ÏȯÀÚÀÇ ÀÇ·áºñ¿ë°ú ½ÇÁ÷À¸·Î ÀÎÇÑ ¼Òµæ»ó½Ç ¸®½ºÅ©°¡ ³ô¾Æ ¾Ïº¸Çè¿¡ ´ëÇÑ ±¹¹ÎµéÀÇ ÀÇÁ¸µµ°¡ ³ô´Ù. ¾Ïº¸Çè¿¡ ´ëÇÑ ³ôÀº ±¹¹ÎµéÀÇ ÀÇÁ¸µµ´Â ¾Ïº¸Çè½ÃÀåÀÇ ±Þ°ÝÇÑ ¼ºÀåÀ¸·Î À̾îÁ³À¸³ª ³ôÀº ¼ÕÇØÀ²·Î ÀÎÇØ ¾Ïº¸Çè ÆǸŰ¡ ÀϽà ÁߴܵDZ⵵ ÇÏ¿´´Ù. ÇÏÁö¸¸ ¾Ïº¸ÇèÀÇ ³ôÀº ¼ÕÇØÀ²¿¡ ´ëÇؼ­´Â ¾ÆÁ÷±îÁö ±¸Ã¼ÀûÀ¸·Î ¿¬±¸µÇ¾îÁø ¹Ù ¾ø´Ù. ÀÌ·ÐÀûÀÎ °á°ú°¡ Á¦½ÃÇÏµí º»ÀÎÀÇ ¾Ï ¹ß»ý À§Çè¿¡ ´ëÇØ º¸Çèȸ»çº¸´Ù ÀáÀç°¡ÀÔÀÚ°¡ ´õ ¸¹Àº Á¤º¸¸¦ º¸À¯ÇÏ°í ÀÌ·¯ÇÑ Á¤º¸°¡ ½ÇÁ¦·Î ¾Ï °¡ÀÔ ÇàÅ·αîÁö ¿¬°èµÈ´Ù¸é º¸Çèȸ»ç°¡ ¾Ï ¹ß»ý·ü°ú °ËÁøÀ²À» Á¤È®È÷ ¿¹ÃøÇÏ´õ¶óµµ º¸Çèȸ»çÀÇ ¼ÕÇØÀ²Àº ¿¹»óº¸´Ù ³ô¾ÆÁú ¼ö¹Û¿¡ ¾ø´Ù. ÀÌ¿¡ º» ¿¬±¸´Â ¾Ïº¸Çè ÀáÀç°¡ÀÔÀÚµéÀÇ ÁÖ°üÀûÀÎ ¾Ï ¹ß»ý À§Çèµµ¿¡ µû¸¥ ¾Ïº¸Çè °¡ÀÔÇàŸ¦ ½ÇÁõÀûÀ¸·Î ºÐ¼®ÇÏ¿´´Ù. º¸Çè°¡ÀÔÀÚÀÇ ÇàŸ¦ ºÐ¼®Çϱâ À§Çؼ­´Â ÆгÎÀÚ·áÀÇ È°¿ëÀÌ ÇʼöÀûÀ̸ç ƯÈ÷ ¼±ÅÃÆíÀÇ ¹®Á¦¸¦ ÅëÁ¦ÇÏ´Â °ÍÀÌ Áß¿äÇÏ´Ù. Propensity Score Matching±â¹ýÀ» ÆгÎÀÚ·á¿¡ Àû¿ëÇÏ¿© ºÐ¼®ÇÑ °á°ú, ÀÏ¹Ý ±¹¹Îµé¿¡ ´ëÇØ ¾Ï ¹ß»ý À§Çèµµ¸¦ ³ô°Ô Æò°¡ÇÏ°í ÀÖ´õ¶óµµ ¾Ïº¸Çè¿¡ °¡ÀÔÇÏ´Â °æÇâÀº ³ªÅ¸³ªÁö ¾Ê¾Ò´Ù. ÇÏÁö¸¸ Èï¹Ì·Ó°Ôµµ º»ÀÎÀÇ ¾Ï ¹ß»ý À§Çèµµ¿¡ ´ëÇØ ³ô°Ô Æò°¡ÇÏ°í ÀÖ´Â »ç¶÷µéÀº ½ÇÁ¦·Î ¾Ïº¸Çè¿¡ ´õ ¸¹ÀÌ °¡ÀÔÇÏ°í ÀÖÀ¸¸ç, ¾Ï ¹ß»ý À§Çèµµ°¡ ¾Ïº¸Çè °¡ÀÔ¿¡ ¹ÌÄ¡´Â ¿µÇâÀÌ Åë°èÀûÀ¸·Îµµ »ó´çÈ÷ À¯ÀÇÇÑ °ÍÀ¸·Î ³ªÅ¸³µ´Ù.

 

[¿µ¹®ÃÊ·Ï]

People tend to depend on the cancer insurance, provided by the insurers since burdens of high medical costs and risk of losing a job, caused by high cancer morality and prevalence rage. Although the market size of cancer insurance has increased rapidly, the insurers have stopped providing the cancer insurance due to the high loss ration. It has been implicitly concluded that the high loss ratio in the cancer insurance is caused by the high cancer prevalence rate and active examination of the cancer without definite studies. As indicated by the results with theoretical analyses, the loss ratio could be higher than the potential loss ratio expected by the insurers if there exists adverse selection caused by the asymmetric information between the insured and insurers about the potential insured`s health status. This study aims to investigate whether the potential insured apply their private information about the possibility of facing cancer diseases for consuming a cancer insurance. In order to investigate empirically the behaviors of the potential insured, it is essential to  control the endogeneity such as selection bias using a panel data. The results from the propensity score matching analysis show that the high likelihood of getting cancer estimated based on the general population does not lead to consumption of cancer insurance. However,  interestingly, the high likelihood of getting cancer estimated based on themselves leads to consumption of cancer insurance.

 

±¹¹® »öÀξî : ¾Ïº¸Çè, ¼ÕÇØÀ², °Ç°­º¸Çè, Cancer Insurance, Loss Ratio, Propensity Score Matching Analysis, Health Insurance

 

°ÔÁ¦Áö : º¸Çè±ÝÀ¶¿¬±¸ Á¦25±Ç Á¦4È£(2014.11) pp. 35-62

Ãâó : https://www.kiri.or.kr º¸Ç迬±¸¿ø

 

  ¡Ø º» ¿¬±¸´Â (»ç)´ë»ê½Å¿ëÈ£±â³ä»ç¾÷ȸÀÇ ¿¬±¸Áö¿øÀ» ¹Þ¾Æ ¼öÇߵǾúÀ½.

 

 

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