Open Access
Endogenous switching of insurance regime and the demand for health care services among the insured and uninsured
Yrd. Doç. Dr.Şevket Alper Koç,Yrd. Doç. Dr.Çağatay Koç +1 more
- Vol. 3, Iss: 2, pp 77-93
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TLDR
Bir kisinin saglik sigortasinin olmasi sadece saglik hizmetlerine harcadigi parayi degil ayni zamanda saglik hybridine ulasabilmesini de etkiler.Abstract:
Bir kisinin saglik sigortasinin olmasi sadece saglik hizmetlerine harcadigi parayi degil ayni zamanda saglik hizmetlerine ulasabilmesini de etkiler. Bu calisma sigortalilar ile sigortali olmayanlar arasindaki saglik hizmetleri talebinin belirleyicilerini incelemek icin saglik hizmetleri talebini sigorta rejimleri ile tahmin etmektedir. Sigortanin icselligi ve bagimli degiskenin pozitifligi ve kesikli degisken olmasindan dolayi bu tur bir analiz geleneksel tahmin yontemleri ile yapilamamaktadir. Bundan dolayi bu calismada 1993 Milli Saglik Arastirma Anketi kullanilarak type-5 Tobit modeli olarak da bilinen icsel switching model kullanilmistir. Saglik statuleri arasinda belli anlamli iliskiler gorulmustur. Ornegin, calisan bireyler daha az ameliyat ve hastanede daha az gece yatma talebinde bulunmaktadirlar. Bazi anlamli iliskiler ise sadece bir sigorta turunde gorunmektedir. Ornegin, sigortalilar arasinda daha yuksek egitimli bireylerin daha fazla uzman vizitesi talep ettikleri gozlemlenmistir. Doktor hizmetleri talebinde ise saglik statusunun sigortali olmayanlar arasinda sigortalilara gore daha etkili oldugu gozlemlenmistir. Hastane hizmetleri talebi acisindan ise bu iliskinin ters oldugu gozlemlenmistir. Bu sonuclar gostermektedir ki sigorta bagimsiz degiskenler ile saglik hizmetlerinden faydalanma arasindaki iliskiye etkileyebilmektedir.read more
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