購買商業保險者對醫療利用的狀況-以65歲以上老人為例

The medical care utilization of the persons who purchased commercial insurance - A case study of elder people over 65 years old

曾煥書(Tseng Huan Shu)

指導教授 ： 謝嫣娉

亞洲大學/健康學院/長期照護研究所在職專班/碩士(2010年)

摘要

本研究主要在探討探討老人醫療利用與購買商業保險之相互關係，藉由人口學、健康狀況與醫療利用來探討其對購買商業保險的影響。
研究採次級資料分析，利用國家衛生研究院於2005年完成之「2005年國民健康訪問暨藥物濫用調查」資料中「65 歲以上個人問卷」部分，共有2727人為研究樣本，篩選出有購買商業保險之資料後為331筆資料進行資料分析。
購買商業保險是以問卷中「保險利用」之「請問是那些種類的商業保險？」為研究工具。
自變項分為基本人口學、罹患慢性疾病狀況、ADL與IADL狀況、醫療利用等面向。首先將各變項作次數分配後；再將各變項與購買商業保險種類進行相關統計；再將相關統計中達到顯著差異之變項及醫療利用之各變項利用羅吉斯迴歸分析探討與商業保險購買有關之變項。
結果：年齡、過去一個月內是否曾看過西醫門診與商業保險購買傾向有關。研究發現，年齡低、使用西醫門診有較高的傾向有購買商業保險。
結論：研究結果顯示，台灣有購買商業保險之65歲以上老人健康狀況，平均罹患2種慢性疾病；平均ADL失能0.2項；平均IADL失能0.7項，；健康狀況尚稱良好。而商業保險之購買年齡層愈高購買傾向愈低，西醫門診利用在意外險之購買上有較高之傾向，其餘醫療利用並未影響其他種類商業保險之購買。

關鍵字

老人經濟保障 ； 醫療利用 ； 全民健康保險 ； 商業保險

並列摘要

This study focuses on the mutual relationship of elderly health care utilization and purchase of commercial insurance. Investigate the impact of demographic, health status and medical care utilization on purchasing of commercial insurance.
This study used secondary data analysis to analyze the data from "over the age of 65 personal questionnaire" section in the "2005 National Health Interview Survey and Drug Abuse" which published by National Institutes of Health completed in 2005. The 331subjects in this study were the subjects who purchased the commercial insurance in the 2727 subjects of the original data. The research tool "purchase of commercial insurance" is based on the question" what kind of business insurance? " in the "insurance utilization" section of the questionnaire.
Independent variables are demographic, chronic disease status, ADL and IADL status , health care utilization. The correlation analysis is running after doing the number of distribution of each independent variable. Then use the variables achieved the statistical signifant to run the logistic regression model to investigate the correlative variables of purchasing commercial insurance.
The result reveals that "Age", " whether has used the western medicine outpatient care in the past month" are correlated with the tendency of purchasing commercial insurance . It is found in this study that the subjects who are lower age, more use the western medicine outpatient care are more likely to purchase commercial insurance.
Conclusion : The result reveals that, in Taiwan, the elder people over 65 years old who has purchased commercial insurance on average suffer from two kinds of chronic diseases ; an average 0.2 ADL disability ; average IADL disability 0.7 . The health status are fairly good .
Elder age will increase the tendency of purchasing commercial insurance is lower. The tendency of purchasing accident insurance is higher on the subjects who use are more common in using the western medicine outpatient care. The rest kinds of health care utilization are not related with the tendency of purchasing commercial insurance.

並列關鍵字

elderly financial security ； health care utilization ； national health insurance ； commercial insurance

參考文獻

邱照軒（2007）：高齡化社會下的保險需求。碩士論文，淡江大學保

楊容俐（2004）：影響消費者購買人身保險決策因素之研究－以大台

內政部戶政司（2010），http://www.ris.gov.tw/

周台龍（2008）：台灣多層次長期照護財務保障架構之探討。台灣社

林佳嬑（2007）：台灣家庭醫療保險需求之探討-以分量迴歸分析。碩