Factors affecting Willingness to Pay for Copayment in Social Security System of Insurer under Section 33 in Bangkok

Abstract

The research on factors affecting willingness to pay for copayment in Social Security System of insured people under Section 33 in Bangkok aims to study factors that affected willingness to pay in the joint insurance of the insured people under Section 33 in order to receive similar benefits to the universal health insurance system. The data were collected from the questionnaires for clients who had social security rights under Section 33 in two public hospitals in Bangkok, consisting of 400 samples. The ordered logistic regression was applied.

The results of the ordered logistic regression analysis showed that satisfaction with physical condition, overall quality of service of personnel and the quality of treatment for specific illnesses positively affected the level of willingness to pay with statistical significance at the level of 0.05 while receiving information about social security, doctor's treatment quality and the pursuit of knowledge in care and control of illness negatively affected the level of willingness to pay at a statistically significant level of 0.05.

The value of willingness to pay for the joint insurance of the insured people was approximately 950.50 baht per person/month. The result of the structural equation model (SEM) concluded that perception of various information about social security, satisfaction with the insured people's physical condition and service quality of hospitals (including physicians, specific treatment, and overall service quality) had a  positive effect on the co-insured willingness to pay at a statistically significant level of 0.01.

Therefore, the government should improve the public relations for social security activities to help insured people realize the additional benefits. Also, they should provide proactive social security services and improve service quality.