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논문분류	춘계학술대회 초록집
제목	The Need for Financial Inclusion for People With Kidney Disabilities: Comparison of Equity in Private Insurance Subscription, Out-of-Pocket Costs, and Household Income With That of the General Public
저자	Hee Woo Lee
출판정보	2025; 2025(1):
키워드	Kidney disability, Out-of-pocket costs, Private pension insurance, Life insurance, life insurance, Inclusive finance
초록	End-stage kidney disease patients face the highest medical cost burden. We aim to compare private pension and life insurance subscription rates, OOP cost, and income deciles between people with kidney Disabilities and the general population. This study analyzed 131,341 adults (aged 18 years and older) divided into two groups, 131,341 general population and 290 people with kidney disability, using Korea Health Panel data from 2009-2016. Costs were expressed in dollars at 2009 exchange rates. Financial assets in this study refer to private pension insurance and life insurance held by each individual. Annual OOP costs are the sum of annual emergency department, outpatient, hospitalization, and prescription drug costs. Regarding private pension coverage, 3.6% of the general population had a private pension, whereas none of the people with Kidney Disabilities had one (p<.0001). Life insurance coverage was also different, with 18.9% of the general population and 2.1% of those with kidney disabilities (p<.0001) (Table 1). Annual OOP costs were $414.1 for the general population and $1,579.2 for those with kidney disabilities, a difference of 3.8 times (p<.0001) (Table 2). The means for income decile were different. People with kidney disabilities were in the 4.5th, and those in the general population were in higher 6.0th (p<.0001). Additionally, in the lowest 1st decile, the general population were at 5.8%, while people with kidney disabilities were at 13.2%; in the highest 10th decile, the general population were at 11.1%, while people with kidney disabilities were at 3.1% (p<.0001). People with kidney disability had higher OOP costs compared to the general population and were significantly less likely to have private insurance. Inclusive financing needs to be considered to improve the quality of life of people with kidney disabilities.
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