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EXAMINATION OF PRIVATE HEALTH INSURANCE IN TERMS OF HEALTH SERVICES USAGE IN TURKEY

Year 2020, Volume: 5 Issue: 2, 102 - 122, 31.08.2020

Özden Güdük Mehveş Tarım

https://doi.org/10.31201/ijhmt.788636

Abstract

In this study, it was aimed to investigate whether there was any difference of the usage of health services between individuals who had and had not private health insurance in Turkey. If there was any difference, which direction it effects and what kind of health care it directs individuals toward.
A questionary was created by author depending on literature review. There were questions about participants’ socio-demographic, economic and health status and the usage of their health services in the last year. The sample was consisted of 852 people, 459 of whom do not have private health insurance and 393 of whom have private health insurance.
The data was analyzed with SPSS.v2 package program. Non-parametric tests such as Mann Whitney U test and Chi square were used for the analyzing.
Significant differences in terms of outpatient treatment, surgical procedure, vaccination, dentist visits, glasses-contact lenses supply and family health center (FHC) visits were found between the groups. It was found that individuals who had private health insurance tend to use therapeutic health services rather than preventive health services. Also, the usage of primary health care in this group was lower than others.

Keywords

Health Services Health Finance Private Health Insurance

References

  • Alexander D. and Currie J. (2017). Are publicly insured children less likely to be admitted to hospital than the privately insured (and does it matter)? Economics and Human Biology. 25:33-51.
  • Andersen MK, Pedersen LB, Dupont M, Pedersen KM, Munck A. and Nexøea J. (2017). General practitioners' attitudes towards and experiences with referrals due to supplemental health insurance. Family Practice. 34:581-586.
  • Balan DA. (2002). The Relationship Between Insurance Type And Health Care Costs, Use And Choice Of Outpatient Provider. Western Michigan University Department of Economics, Doktora Tezi, Michigan.
  • Besley T, Hall J. and Preston I. (1998). Social Security and Health Care Consumption: A Comparison of Alternative Systems Private and public health insurance in the UK. European Economic Review. 42:491-497.
  • Bíró A. (2014). Supplementary private health insurance and health care utilization of people aged 50+. Empir Econ. 46:501-524.
  • Bolhaar J, Lindeboom M. and Klaauw B.A. (2008). Dynamic Analysis of the Demand for Health Insurance and Health Care. Forschungsinstitut zur Zukunft der Arbeit Institute for the Study of Labor. IZA Discussion Paper No. 3698 Bonn, Germany.
  • Buchmueller T.C, Couffinhal A, Grignon M. and Perronnin M. (2002). Access to Physician Services: Does Supplemental Insurance Matter? Evidence From France. Health Economics. 13(7):669-87.
  • Cheng T C. (2014). Measuring the effects of reducing subsidies for private insurance on public expenditure for health care. Journal of Health Economics. 33:159-179.
  • Colombo F. and Tapay N. (2014). Private Health Insurance in OECD Countries: The Benefits and Costs for Individuals and Health Systems. Paris: OECD Health Working Papers.
  • Daştan İ. and Çetinkaya V. (2015). OECD Ülkeleri ve Türkiye'nin Sağlık Sistemleri, Sağlık Harcamaları ve Sağlık Göstergeleri Karşılaştırması. SGD Sosyal Güvenlik Dergisi. 5(1):104-134.
  • Deloitte. Health Insurance Market Overview. Deloitte Consulting LLP, 2013.
  • Gülay A. (2017). Türkiye'de sağlık sisteminin finansmanı ve İngiltere ile karşılaştırması. Marmara Sosyal Araştırmalar Dergisi. 12:17-37.
  • Jeon B. and Kwon S. (2013). Effect of private health insurance on health care utilization in a universal public insurance system: A case of South Korea. Health Policy. 113:69-76.
  • Jones A M, Koolman X. and Doorslaer E. (2006). The Impact of Having Supplementary Private Health Insurance on the Use of Specialists. Annales D'économıe Et De Statıstıque. 83/84:251-275. DOI: 10.2307/20079170.
  • Kiil A. and Arendt J N. (2017). The effect of complementary private health insurance on the use of health care services. Int J Health Econ Manag. 17:1-27. DOI 10.1007/s10754-016-9195-3
  • Kiil A. (2012). What characterises the privately insured in universal health care systems? A review of the empirical evidence. Health Policy. 106:60-75.
  • Liaropoulos L. and Goranitis I. (2015). Health care financing and the sustainabilityof health systems. International Journal for Equity in Health. 14:80
  • Mathauer I. and Kutzin J. (2019). Voluntary health insurance: its potentials and limits in moving towards UHC, Policy Brief, Department of Health Systems Governance and Financing, Geneva: World Health Organization; 2018 (WHO/HIS/HGF/PolicyBrief/18.5). Licence: CC BY-NC-SA 3.0 IGO. WHO, 2019. Global Spending on Health: A World in Transition
  • OECD. (2004a). Private Health Insurance in OECD Countries. Retrieved 15.04.2019,https://www.oecd.org/health/privatehealthinsuranceinoecdcountries-theoecdhealthproject.htm
  • OECD. (2004b). Proposal For a Taxonomy of Health Insurance. Paris. Retrieved 21.02.2019, https://www.oecd.org/health/health-systems/31916207.pdf
  • OECD. (2008). OECD Sağlık Sistemi İncelemeleri Türkiye. Yayın No: 756. Paris. Retrieved 25.04.2019, https://sbu.saglik.gov.tr/ekutuphane/kitaplar/oecdkitap.pdf
  • OECD (2017). Health at a Glance 2017. OECD Indicators. OECD Publishing, Paris.Retrieved 22.01.2019, http://dx.doi.org/10.1787/health_glance-2017-en
  • OECD. (2019). OECD Health Statistics 2019 Definitions, Sources and Methods. Paris. http://www.oecd.org/health/health-data.htm
  • Özsarı S.H. (2003). Bir Özel sağlık Sigortacılık Kurumunda Kullanıcıların Özellikleri ve Risk Profilleri. Hacettepe Üniversitesi Sağlık Bilimleri Üniversitesi, Doktora Tezi, Ankara (Danışman: Prof. Dr. Çağatay Güler).
  • PKV. 2016. Verband der Privaten Krankenversicherung e.V. [Association of German private healthcare insurers]. Financial report for private healthcare insurance 2015. Retrieved 25.11.2019, https://www.pkv.de/service/broschueren/daten-und-zahlen/financial-report-2015.pdb.pdf
  • Preker A. S, Scheffler R. M. And Bassett M.C. (2007). Private Voluntary Health Insurance in Development. Friend or Foe? The World Bank: Washington, DC
  • Sağlık Bakanlığı (2019). Sağlık İstatistikleri Yıllığı 2018. Ankara. Retrieved: 20.04.2020, https://www.saglik.gov.tr/TR,62400/saglik-istatistikleri-yilligi-2018-yayinlanmistir.html Sağlık Bakanlığı. (2008). İlerleme Raporu Türkiye Sağlıkta Dönüşüm Programı. Sağlık Bakanlığı Yayın No: 749. Ankara
  • Sekhri N. and Savedoff W. (2004). Private Health Insurance: Implicatıins For Developing Countries. World Health Organization: Geneva
  • Sosyal Güvenlik Kurumu. (2013) Sosyal Güvenlik Reformunun 4. Yılında 400 Yenilik. Sosyal Güvenlik Kurumu Yayın No: 80. Ankara
  • T.C. Resmi Gazete. Sosyal Sigortalar ve Genel Sağlık Sigortası Kanunu. 16 Haziran 2006. Sayı: 26200, Başbakanlık Basımevi: Ankara
  • Tatar M. (2011). Sağlık hizmetlerinin finansman modelleri: sosyal sağlık sigortasının Türkiye'de gelişimi. Sosyal Güvenlik Dergisi. 1:103-133
  • Türkiye Sigorta Birliği. (2016). Türkiye Sigorta Birliği Sektör Raporu 2016. İstanbul
  • Uzun S. (2015). Tamamlayıcı Sağlık Sigortası. Okan Üniversitesi Sağlık Bilimleri Enstitüsü Sağlık Yönetimi Anabilim Dalı, Yüksek Lisans Tezi, İstanbul (Danışman: Yrd. Doç. Dr. Cem Dikmen).
  • WHO. (2010). The world health report: health systems financing: the path to universal coverage. WHO Press: Geneva Switzerland.
  • Yıldırım HH. (2012). Sağlık Harcamaları ve Sağlık Finansmanı, İçinde: Yıldırım HH (editör) Sağlık Sigortacılığı, Anadolu Üniversitesi Yayını: Eskişehir

Year 2020, Volume: 5 Issue: 2, 102 - 122, 31.08.2020

Özden Güdük Mehveş Tarım

https://doi.org/10.31201/ijhmt.788636

Abstract

References

  • Alexander D. and Currie J. (2017). Are publicly insured children less likely to be admitted to hospital than the privately insured (and does it matter)? Economics and Human Biology. 25:33-51.
  • Andersen MK, Pedersen LB, Dupont M, Pedersen KM, Munck A. and Nexøea J. (2017). General practitioners' attitudes towards and experiences with referrals due to supplemental health insurance. Family Practice. 34:581-586.
  • Balan DA. (2002). The Relationship Between Insurance Type And Health Care Costs, Use And Choice Of Outpatient Provider. Western Michigan University Department of Economics, Doktora Tezi, Michigan.
  • Besley T, Hall J. and Preston I. (1998). Social Security and Health Care Consumption: A Comparison of Alternative Systems Private and public health insurance in the UK. European Economic Review. 42:491-497.
  • Bíró A. (2014). Supplementary private health insurance and health care utilization of people aged 50+. Empir Econ. 46:501-524.
  • Bolhaar J, Lindeboom M. and Klaauw B.A. (2008). Dynamic Analysis of the Demand for Health Insurance and Health Care. Forschungsinstitut zur Zukunft der Arbeit Institute for the Study of Labor. IZA Discussion Paper No. 3698 Bonn, Germany.
  • Buchmueller T.C, Couffinhal A, Grignon M. and Perronnin M. (2002). Access to Physician Services: Does Supplemental Insurance Matter? Evidence From France. Health Economics. 13(7):669-87.
  • Cheng T C. (2014). Measuring the effects of reducing subsidies for private insurance on public expenditure for health care. Journal of Health Economics. 33:159-179.
  • Colombo F. and Tapay N. (2014). Private Health Insurance in OECD Countries: The Benefits and Costs for Individuals and Health Systems. Paris: OECD Health Working Papers.
  • Daştan İ. and Çetinkaya V. (2015). OECD Ülkeleri ve Türkiye'nin Sağlık Sistemleri, Sağlık Harcamaları ve Sağlık Göstergeleri Karşılaştırması. SGD Sosyal Güvenlik Dergisi. 5(1):104-134.
  • Deloitte. Health Insurance Market Overview. Deloitte Consulting LLP, 2013.
  • Gülay A. (2017). Türkiye'de sağlık sisteminin finansmanı ve İngiltere ile karşılaştırması. Marmara Sosyal Araştırmalar Dergisi. 12:17-37.
  • Jeon B. and Kwon S. (2013). Effect of private health insurance on health care utilization in a universal public insurance system: A case of South Korea. Health Policy. 113:69-76.
  • Jones A M, Koolman X. and Doorslaer E. (2006). The Impact of Having Supplementary Private Health Insurance on the Use of Specialists. Annales D'économıe Et De Statıstıque. 83/84:251-275. DOI: 10.2307/20079170.
  • Kiil A. and Arendt J N. (2017). The effect of complementary private health insurance on the use of health care services. Int J Health Econ Manag. 17:1-27. DOI 10.1007/s10754-016-9195-3
  • Kiil A. (2012). What characterises the privately insured in universal health care systems? A review of the empirical evidence. Health Policy. 106:60-75.
  • Liaropoulos L. and Goranitis I. (2015). Health care financing and the sustainabilityof health systems. International Journal for Equity in Health. 14:80
  • Mathauer I. and Kutzin J. (2019). Voluntary health insurance: its potentials and limits in moving towards UHC, Policy Brief, Department of Health Systems Governance and Financing, Geneva: World Health Organization; 2018 (WHO/HIS/HGF/PolicyBrief/18.5). Licence: CC BY-NC-SA 3.0 IGO. WHO, 2019. Global Spending on Health: A World in Transition
  • OECD. (2004a). Private Health Insurance in OECD Countries. Retrieved 15.04.2019,https://www.oecd.org/health/privatehealthinsuranceinoecdcountries-theoecdhealthproject.htm
  • OECD. (2004b). Proposal For a Taxonomy of Health Insurance. Paris. Retrieved 21.02.2019, https://www.oecd.org/health/health-systems/31916207.pdf
  • OECD. (2008). OECD Sağlık Sistemi İncelemeleri Türkiye. Yayın No: 756. Paris. Retrieved 25.04.2019, https://sbu.saglik.gov.tr/ekutuphane/kitaplar/oecdkitap.pdf
  • OECD (2017). Health at a Glance 2017. OECD Indicators. OECD Publishing, Paris.Retrieved 22.01.2019, http://dx.doi.org/10.1787/health_glance-2017-en
  • OECD. (2019). OECD Health Statistics 2019 Definitions, Sources and Methods. Paris. http://www.oecd.org/health/health-data.htm
  • Özsarı S.H. (2003). Bir Özel sağlık Sigortacılık Kurumunda Kullanıcıların Özellikleri ve Risk Profilleri. Hacettepe Üniversitesi Sağlık Bilimleri Üniversitesi, Doktora Tezi, Ankara (Danışman: Prof. Dr. Çağatay Güler).
  • PKV. 2016. Verband der Privaten Krankenversicherung e.V. [Association of German private healthcare insurers]. Financial report for private healthcare insurance 2015. Retrieved 25.11.2019, https://www.pkv.de/service/broschueren/daten-und-zahlen/financial-report-2015.pdb.pdf
  • Preker A. S, Scheffler R. M. And Bassett M.C. (2007). Private Voluntary Health Insurance in Development. Friend or Foe? The World Bank: Washington, DC
  • Sağlık Bakanlığı (2019). Sağlık İstatistikleri Yıllığı 2018. Ankara. Retrieved: 20.04.2020, https://www.saglik.gov.tr/TR,62400/saglik-istatistikleri-yilligi-2018-yayinlanmistir.html Sağlık Bakanlığı. (2008). İlerleme Raporu Türkiye Sağlıkta Dönüşüm Programı. Sağlık Bakanlığı Yayın No: 749. Ankara
  • Sekhri N. and Savedoff W. (2004). Private Health Insurance: Implicatıins For Developing Countries. World Health Organization: Geneva
  • Sosyal Güvenlik Kurumu. (2013) Sosyal Güvenlik Reformunun 4. Yılında 400 Yenilik. Sosyal Güvenlik Kurumu Yayın No: 80. Ankara
  • T.C. Resmi Gazete. Sosyal Sigortalar ve Genel Sağlık Sigortası Kanunu. 16 Haziran 2006. Sayı: 26200, Başbakanlık Basımevi: Ankara
  • Tatar M. (2011). Sağlık hizmetlerinin finansman modelleri: sosyal sağlık sigortasının Türkiye'de gelişimi. Sosyal Güvenlik Dergisi. 1:103-133
  • Türkiye Sigorta Birliği. (2016). Türkiye Sigorta Birliği Sektör Raporu 2016. İstanbul
  • Uzun S. (2015). Tamamlayıcı Sağlık Sigortası. Okan Üniversitesi Sağlık Bilimleri Enstitüsü Sağlık Yönetimi Anabilim Dalı, Yüksek Lisans Tezi, İstanbul (Danışman: Yrd. Doç. Dr. Cem Dikmen).
  • WHO. (2010). The world health report: health systems financing: the path to universal coverage. WHO Press: Geneva Switzerland.
  • Yıldırım HH. (2012). Sağlık Harcamaları ve Sağlık Finansmanı, İçinde: Yıldırım HH (editör) Sağlık Sigortacılığı, Anadolu Üniversitesi Yayını: Eskişehir
There are 35 citations in total.

Details

Primary Language English
Journal Section Makaleler
Authors

Özden Güdük This is me 0000-0002-2268-0428

Mehveş Tarım This is me 0000-0002-3726-9439

Publication Date August 31, 2020
Submission Date May 4, 2020
Acceptance Date July 30, 2020
Published in Issue Year 2020 Volume: 5 Issue: 2

Cite

APA Güdük, Ö., & Tarım, M. (2020). EXAMINATION OF PRIVATE HEALTH INSURANCE IN TERMS OF HEALTH SERVICES USAGE IN TURKEY. International Journal of Health Management and Tourism, 5(2), 102-122. https://doi.org/10.31201/ijhmt.788636
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