Korea's health insurance system allows all citizens to
use medical services regardless of income or ability to pay,
but even if there is a need for medical services, it cannot be
used due to financial burden. In 2012, 16.2% of Korean
adults aged 19 or older experienced unmet healthcare
needs during the previous year. In other words, they had
healthcare needs but could not utilize healthcare services
[1]. The most common reason for unmet healthcare needs
is "financial reasons" [2]. The rate of unmet healthcare
needs due to the burden of treatment costs is 4.5% in Korea
[3], more than double that of the mean rate in the European
Union (2.2%) [4].
In Korea, the percentage of healthcare costs paid outof-
pocket averages about 36.8%, about 1.8 times higher
than the Organization for Economic Cooperation and
Development (OECD) average of 20.3% [5].