Health insurance coverage, medical expenditure and coping strategy

Evidence from Taiwan

Kuangnan Fang, Ben Chang Shia, Shuangge Ma

Research output: Contribution to journalArticle

13 Citations (Scopus)

Abstract

Background: The health insurance system in Taiwan is comprised of public health insurance and private health insurance. The public health insurance, called "universal national health insurance" (NHI), was first established in 1995 and amended in 2011. The goal of this study is to provide an updated description of several important aspects of health insurance in Taiwan. Of special interest are household insurance coverage, medical expenditures (both gross and out-of-pocket), and coping strategies. Methods. Data was collected via a phone call survey conducted in August and September of 2011. A household was the unit for survey and data analysis. A total of 2,424 households covering all major counties and cities in Taiwan were surveyed. Results: The survey revealed that households with smaller sizes and higher incomes were more likely to have higher coverage of public and private health insurance. In addition, households with the presence of chronic diseases were more likely to have both types of insurance. Analysis of both gross and out-of-pocket medical expenditure was conducted. It was suggested that health insurance could not fully remove the financial burden caused by illness. The presence of chronic disease and inpatient treatment were significantly associated with higher gross and out-of-pocket medical expenditure. In addition, the presence of inpatient treatment was significantly associated with extremely high medical expenditure. Regional differences were also observed, with households in the northern, central, and southern regions having less gross medical expenditures than those on the offshore islands. Households with the presence of inpatient treatment were more likely to cope with medical expenditure using means other than salaries. Conclusion: Despite the considerable achievements of the health insurance system in Taiwan, there is still room for improvement. This study investigated coverage, cost, and coping strategies and may be informative to stakeholders of both basic and commercial health insurance.

Original languageEnglish
Article number442
JournalBMC Health Services Research
Volume12
Issue number1
DOIs
Publication statusPublished - 2012
Externally publishedYes

Fingerprint

Insurance Coverage
Health Insurance
Health Expenditures
Taiwan
Inpatients
Public Health
Chronic Disease
Cost of Illness
Salaries and Fringe Benefits
National Health Programs
Insurance
Islands
Therapeutics
Costs and Cost Analysis

Keywords

  • Coping strategy
  • Health insurance coverage
  • Medical expenditure
  • Taiwan

ASJC Scopus subject areas

  • Health Policy

Cite this

Health insurance coverage, medical expenditure and coping strategy : Evidence from Taiwan. / Fang, Kuangnan; Shia, Ben Chang; Ma, Shuangge.

In: BMC Health Services Research, Vol. 12, No. 1, 442, 2012.

Research output: Contribution to journalArticle

@article{3858ccbab1814a568a67efd406270469,
title = "Health insurance coverage, medical expenditure and coping strategy: Evidence from Taiwan",
abstract = "Background: The health insurance system in Taiwan is comprised of public health insurance and private health insurance. The public health insurance, called {"}universal national health insurance{"} (NHI), was first established in 1995 and amended in 2011. The goal of this study is to provide an updated description of several important aspects of health insurance in Taiwan. Of special interest are household insurance coverage, medical expenditures (both gross and out-of-pocket), and coping strategies. Methods. Data was collected via a phone call survey conducted in August and September of 2011. A household was the unit for survey and data analysis. A total of 2,424 households covering all major counties and cities in Taiwan were surveyed. Results: The survey revealed that households with smaller sizes and higher incomes were more likely to have higher coverage of public and private health insurance. In addition, households with the presence of chronic diseases were more likely to have both types of insurance. Analysis of both gross and out-of-pocket medical expenditure was conducted. It was suggested that health insurance could not fully remove the financial burden caused by illness. The presence of chronic disease and inpatient treatment were significantly associated with higher gross and out-of-pocket medical expenditure. In addition, the presence of inpatient treatment was significantly associated with extremely high medical expenditure. Regional differences were also observed, with households in the northern, central, and southern regions having less gross medical expenditures than those on the offshore islands. Households with the presence of inpatient treatment were more likely to cope with medical expenditure using means other than salaries. Conclusion: Despite the considerable achievements of the health insurance system in Taiwan, there is still room for improvement. This study investigated coverage, cost, and coping strategies and may be informative to stakeholders of both basic and commercial health insurance.",
keywords = "Coping strategy, Health insurance coverage, Medical expenditure, Taiwan",
author = "Kuangnan Fang and Shia, {Ben Chang} and Shuangge Ma",
year = "2012",
doi = "10.1186/1472-6963-12-442",
language = "English",
volume = "12",
journal = "BMC Health Services Research",
issn = "1472-6963",
publisher = "BioMed Central",
number = "1",

}

TY - JOUR

T1 - Health insurance coverage, medical expenditure and coping strategy

T2 - Evidence from Taiwan

AU - Fang, Kuangnan

AU - Shia, Ben Chang

AU - Ma, Shuangge

PY - 2012

Y1 - 2012

N2 - Background: The health insurance system in Taiwan is comprised of public health insurance and private health insurance. The public health insurance, called "universal national health insurance" (NHI), was first established in 1995 and amended in 2011. The goal of this study is to provide an updated description of several important aspects of health insurance in Taiwan. Of special interest are household insurance coverage, medical expenditures (both gross and out-of-pocket), and coping strategies. Methods. Data was collected via a phone call survey conducted in August and September of 2011. A household was the unit for survey and data analysis. A total of 2,424 households covering all major counties and cities in Taiwan were surveyed. Results: The survey revealed that households with smaller sizes and higher incomes were more likely to have higher coverage of public and private health insurance. In addition, households with the presence of chronic diseases were more likely to have both types of insurance. Analysis of both gross and out-of-pocket medical expenditure was conducted. It was suggested that health insurance could not fully remove the financial burden caused by illness. The presence of chronic disease and inpatient treatment were significantly associated with higher gross and out-of-pocket medical expenditure. In addition, the presence of inpatient treatment was significantly associated with extremely high medical expenditure. Regional differences were also observed, with households in the northern, central, and southern regions having less gross medical expenditures than those on the offshore islands. Households with the presence of inpatient treatment were more likely to cope with medical expenditure using means other than salaries. Conclusion: Despite the considerable achievements of the health insurance system in Taiwan, there is still room for improvement. This study investigated coverage, cost, and coping strategies and may be informative to stakeholders of both basic and commercial health insurance.

AB - Background: The health insurance system in Taiwan is comprised of public health insurance and private health insurance. The public health insurance, called "universal national health insurance" (NHI), was first established in 1995 and amended in 2011. The goal of this study is to provide an updated description of several important aspects of health insurance in Taiwan. Of special interest are household insurance coverage, medical expenditures (both gross and out-of-pocket), and coping strategies. Methods. Data was collected via a phone call survey conducted in August and September of 2011. A household was the unit for survey and data analysis. A total of 2,424 households covering all major counties and cities in Taiwan were surveyed. Results: The survey revealed that households with smaller sizes and higher incomes were more likely to have higher coverage of public and private health insurance. In addition, households with the presence of chronic diseases were more likely to have both types of insurance. Analysis of both gross and out-of-pocket medical expenditure was conducted. It was suggested that health insurance could not fully remove the financial burden caused by illness. The presence of chronic disease and inpatient treatment were significantly associated with higher gross and out-of-pocket medical expenditure. In addition, the presence of inpatient treatment was significantly associated with extremely high medical expenditure. Regional differences were also observed, with households in the northern, central, and southern regions having less gross medical expenditures than those on the offshore islands. Households with the presence of inpatient treatment were more likely to cope with medical expenditure using means other than salaries. Conclusion: Despite the considerable achievements of the health insurance system in Taiwan, there is still room for improvement. This study investigated coverage, cost, and coping strategies and may be informative to stakeholders of both basic and commercial health insurance.

KW - Coping strategy

KW - Health insurance coverage

KW - Medical expenditure

KW - Taiwan

UR - http://www.scopus.com/inward/record.url?scp=84870291447&partnerID=8YFLogxK

UR - http://www.scopus.com/inward/citedby.url?scp=84870291447&partnerID=8YFLogxK

U2 - 10.1186/1472-6963-12-442

DO - 10.1186/1472-6963-12-442

M3 - Article

VL - 12

JO - BMC Health Services Research

JF - BMC Health Services Research

SN - 1472-6963

IS - 1

M1 - 442

ER -