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Related Concept Videos

Methods Of Healthcare Delivery System01:26

Methods Of Healthcare Delivery System

At the different levels of the healthcare system, we see varying methods of healthcare used. These methods include managed care systems, case management, and primary healthcare.
Managed Care System:
The managed care system is designed to control the cost while maintaining the quality of care. The patient's care from admission to discharge is planned by the primary care provider or the case manager, also known as the gatekeeper. In a managed care system, the number of care providers is limited...
Introduction To Health Care Delivery System01:18

Introduction To Health Care Delivery System

The healthcare system is constantly changing and complex. Various services are available from different healthcare providers, but gaining access to these services has become challenging for people with limited healthcare insurance. Uninsured people present a challenge to healthcare because they frequently postpone or forego treatment.
The Institute of Medicine (IOM) advocates for a patient-centered, effective, safe, timely, equitable, and effective healthcare system. The National Priorities...
Secondary Healthcare System01:11

Secondary Healthcare System

Secondary healthcare is offered by a specialist, generally in hospitals or clinics for patients referred by primary healthcare providers. It occurs when a person has an illness or injury that requires specific medical care. Secondary care is often referred to as acute care. Secondary care can range from uncomplicated care to repair a minor laceration or treat a strep throat infection to more complicated emergent care, such as treating a head injury sustained in an automobile accident. Whatever...
Integrated Healthcare System01:20

Integrated Healthcare System

An integrated healthcare system (IHS) is a set of organizations that provides for or arranges to provide coordinated and continuous service to a defined population. The IHS takes responsibility for that particular population's health status and outcome, both clinically and fiscally. An integrated healthcare system is a well-organized, well-coordinated, and collaborative network. The integrated delivery system is a network that connects different healthcare providers to deliver organized,...
Issues And Trends In Healthcare Delivery System01:29

Issues And Trends In Healthcare Delivery System

The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
Health Information Technology and Healthcare Information System01:30

Health Information Technology and Healthcare Information System

Health Information Technology (HIT)
Health Information Technology, commonly called HIT, integrates advanced information systems and technology in healthcare settings. Its primary functions include:

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Related Experiment Video

Updated: Jul 7, 2026

Inverse Probability of Treatment Weighting (Propensity Score) using the Military Health System Data Repository and National Death Index
06:55

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Published on: January 8, 2020

Does Indemnity Private Insurance Increase Healthcare Utilization? Evidence from Korea's National Health Insurance

Hongki Gwak1, Seong Hwan Kim2

  • 1Department of Surgery, Jeju National University Hospital, Jeju National University College of Medicine, Jeju, South Korea.

Risk Management and Healthcare Policy
|July 6, 2026
PubMed
Summary

Indemnity-type private health insurance in South Korea is linked to increased outpatient visits and healthcare use in adults without chronic conditions. This suggests a focus on outpatient services rather than overall system costs.

Keywords:
fixed-benefitindemnitymedical care utilizationnational health insuranceprivate health insurance

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Area of Science:

  • Health Services Research
  • Health Economics
  • Public Health Policy

Background:

  • South Korea's healthcare relies on National Health Insurance (NHI), with private insurance supplementing coverage.
  • Indemnity-type private health insurance is common but raises concerns about rising medical expenditures.
  • Understanding the impact of different private insurance types on healthcare utilization is crucial for policy.

Purpose of the Study:

  • To compare healthcare utilization and expenditures between fixed-benefit and indemnity private insurance groups.
  • To identify factors associated with medical use and visit frequency in adults under 65 without chronic diseases.
  • To assess the specific impact of indemnity insurance on healthcare consumption.

Main Methods:

  • Cross-sectional study using data from the Korea Health Panel Survey (2019-2020).
  • Selection of adults aged <65 years without chronic diseases.
  • Classification into fixed-benefit or indemnity private insurance groups, followed by comparative analysis and multivariable regression.

Main Results:

  • The indemnity group exhibited higher outpatient care utilization (9.14 visits/year) compared to the fixed-benefit group (7.46 visits/year).
  • Indemnity insurance was significantly associated with increased outpatient care use (aOR=1.503) and a higher number of outpatient visits (aIRR=1.167).
  • No significant differences in emergency or inpatient service expenditures were observed between the groups.

Conclusions:

  • Indemnity-type private insurance is primarily associated with increased outpatient healthcare utilization and expenditures in adults without chronic diseases.
  • These findings highlight an outpatient-focused effect of indemnity insurance, not necessarily broader system-wide cost increases.
  • Policy considerations should focus on the specific utilization patterns driven by indemnity-type private insurance.