Income redistribution effect of medical insurance programme
우리나라 療保險의 所得再分配 果를 알아보기 위하여 1980년도 1種 療保險 全被保險者를 대상으로 1980年度 全1種 療保險組合 4백 23個所의 決算資料를 分析, 所得階層別 所得移轉狀熊를 考察했다.
分析方法은 ①所得階層別 保險料額占有率에 대한 給 額占有率의 比較 ②有效保險料率의 比較 ③「로렌쯔」곡선의 검토등의 方法을 使用했다.
硏究의 主要結果는 다음과 같다.
1. 우리나라 1種醫療保險은 全體的으로 볼 때 상당한 所得不均衡상태를 초래하고 있다.
2. 所得階層別로 볼 때 특히 10만원 이하의 低賃所得階層은 이들의 所得이 醫療保險을 통해 上位賃金所得階層으로 移轉되어 所得逆進현상을 보이고 있음을 確認했다.
Our medical insurance scheme, which come into force as a social insurance scheme system in July, 1977, has gradually been extended to cover the 30 percent of the popualtion at present.
Since this insurance program started, a lot of covered persons has been receiving cedical benefits, but this system itself has serious problems to be solved. There are around the 60 percent of the population who are still laid outside of the medical insurance coverage. What is coverage further with the present separate fund system.
At this juncture, it is believed that this medical insurance system has to bo fundamentally reexamined in view of its function and role as a social insurance scheme.
This study intend to examine the medical insurance system and it's operation now in force in Korea in the respect of the function of income distribytion which is the important characteristic and main function of social insurance.
For this purpose, the 1980 balance sheets of all the class-1 medical insurance societies were analyzed to inquire into the realities of total income redistrbutive status among all the insured covered by the class-1 medical insurance scheme in
Korea and the income transfer among various income earing groups.
In attaining the analytical goal of this study, the following methodologies were used:
a) Comparison of distribution rates for benefit to contribution on the level of income groups.
b) Comparison by means of effective contribution rate.
c) Analysis by Lorenz Curve
The result of this study are as follows:
1. The present class-1 medical insurance system generally brings about the serious aggravation of income inegualities prevailing in Korea.
Thd Gini coefficient for the total class-1 medical insurance societies was 0.4231.
2. In income transfer by income class through the medical insurance operation, it has turned out that the present insurance system causes a regressive redistribution from the low income classes to the high income classes, transfering more especially
from the lower income classes with the monthly income under ￦100,000.