A study on the relationships among people’s knowledge and attitude to commercial insurance, behavior for health care utilization under National Health Insurance.

• Main Authors: Shao-Tung Chen, 陳少東
• Other Authors: Ying-Chun Li
• Format: Others
• Language: zh-TW
• Published: 2019
• Online Access: http://ndltd.ncl.edu.tw/handle/v3rbm5

碩士 === 國立中山大學 === 企業管理學系醫務管理碩士班 === 107 === Background and Purpose:　　 The national health insurance benefits is subject to more restrictions in the future and hence the public will emphasize more on commercial health insurance with higher medical quality and care. As commercial health insurance becomes widely available, the study intends to investigate the correlation between the knowledge on commercial health insurance, attitude, and healthcare utilization behavior in people. Method: The design of the study questionnaire takes reference from the KAB MODEL by Schwartz (1975), adopting structural questionnaire model for conducting the investigation. The study objects comprise people aged 20 years or older and the questionnaires were distributed via online questionnaire survey – DoSurvey. The duration of survey started in October 2018 and ended in December, 2018, with a total of 400 questionnaires recovered. The study adopts SPSS 19.0 as data analysis tool, applying descriptive statistics, independent sample t-test, one-way ANOVA, Pearson correlation analysis, and multiple regression analysis for data analysis. The study analyzes the correlation between public’s knowledge and attitude on commercial health insurance towards public behavior of healthcare utilization, under the national health insurance system. Results: The study probes into the factor of correlation influence on the knowledge, attitude and healthcare utilization behavior of commercial health insurance for the public with commercial health insurance through the theory of knowledge, attitude and behavior. The study findings reveal that the average score for knowledge on commercial medical insurance for the public living in Yilan, Hualian and Taitung is lower than that in New Taipei City, Taipei City and Keelung. Moreover, the average score for public with monthly dispensable amount of $20,001~$30,000 on commercial insurance is higher than the public with monthly dispensable amount of $5,000. The aspect of medical care seeking behavior in healthcare utilization behavior indicates that the average score for medical seeking behavior of students is higher than those in the service industries; the aspect of insurance utilization in healthcare utilization behavior suggests that married people have higher average score in insurance utilization than single people. Moreover, there is significance in medical seeking behavior and insurance utilization in healthcare utilization behavior, indicating that the medical seeking behavior for people with higher insurance utilization also relatively increases. It is inferred that people with commercial health insurance are subject to issues of ethical risks due to insurance utilization. Conclusion: The study findings reveal that commercial insurance is gradually drawing attention from the public while the demand for commercial health insurance also increases accordingly, as commercial health insurance becomes widely available. The public conducts risk sharing for health to reduce the uncertainty risk of personal health condition, which will avoid the burden associated with medical expenses in times of disease. Nonetheless, the issues of potential ethical risks concurrently arise from public’s utilization of commercial health insurance relative to the public’s healthcare utilization behavior.