FINANCIJSKI ASPEKTI ZDRAVSTVENE POTROŠNJE U ZADNJOJ GODINI ŽIVOTA OSOBA U DOBI OD 50+

master's thesis

• Title (english): FINANCIAL ASPECTS OF HEALTH CONSUMPTION IN THE LAST YEAR OF LIFE OF PERSONS AGED 50+
• Author: Mia Čutura
• Mentor: Šime Smolić (mentor)
• Committee member: Šime Smolić (predsjednik povjerenstva)
• Committee member: Ivan Čipin (član povjerenstva)
• Committee member: Hrvoje Šimović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-08-30, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Zdravlje je temeljni element ljudskog kapitala i jedan od važnih elemenata i prioriteta svakog gospodarstva. Na zdravlje i dobrobit stanovnika svake države se troši određeni dio sredstava, ovisno o mogućnostima, ali nevezano za to, zdravstvena se potrošnja određuje na razini gospodarstva za postizanje određenih prednosti. Posljednjih godina, zdravstvena potrošnja bilježi kontinuirani rast zbog brojnih čimbenika, što posljedično dovodi do izazova koji ponekad nadilaze mogućnosti gospodarstva. Zdravstveni su sustavi tako, među ostalim, pod pritiskom demografskog starenja tj. sve većeg udjela osoba starijih od 50 godina. Upravo oko te dobi započinje intenzivan rast zdravstvenih potreba, a samim time i troškova, što stvara određene probleme u pogledu financijske održivosti zdravstvenog sustava. Zbog toga je važno analizirati financijske aspekte zdravstvene potrošnje i razumjeti temeljne pokretače rasta zdravstvene potrošnje. Jedno važno područje u istraživanju zdravstvene potrošnje odnosi se i na troškove koji nastaju u zadnjoj godini života osobe. Zbog toga je predmet ovog rada analiza obilježja zdravstvene zaštite i privatne zdravstvene potrošnje iz džepa u zadnjoj godini života osoba u dobi od 50+ u Europskim zemljama, a na temelju podataka iz studije SHARE (Istraživanje o zdravlju, starenju i umirovljenju u Europi). Rezultati do kojih se došlo analizom tih podataka ukazali su da su plaćanja iz džepa za zdravstvo u zadnjoj godini života najveća za osobe u dobi od 65 do 74 godine te da se najviše koriste usluge opće medicine i specijalista, bolničke njege i usluge domova za starije osobe. Vidljiva je i razlika u spolu, pa su žene više koristile pomoć u kući, a muškarci gotovo sve druge promatrane usluge. Potrošnja za zdravstvenu zaštitu iz džepa u zadnjoj godini života je veća što je dob veća, a razlog tome je učestalija pojava zdravstvenih problema s porastom dobi. Navedeno ukazuje na potrebu praćenja i analiziranja zdravstvene potrošnje potkraj života pojedinca.

Abstract (english)

Health is a key element of human capital and one of the important elements and priorities of any economy. Depending on the possibilities, a certain part of the resources is spent on the health and well-being of the population of each country. However, regardless of above mentioned, health spending is determined at the level of the econom in order to achieve certain benefits. Recently, health spending has been growing steadily due to a number of factors, which in turn leads to challenges that sometimes go beyond the capabilities of the economy. Health systems are thus, among other things, under the pressure of demographic aging, and especially due to increasing share of people aged 50 and over. It is considered that around this age we can observe intensive growth of healthcare needs, and thus healthcare costs too, which creates certain problems in terms of the financial sustainability of the health system. It is therefore important to analyze the financial aspects of health spending and understand the underlying drivers of health spending growth. One important area in health spending research also relates to the costs incurred in the last year of a person’s life. Therefore, the subject of this paper is the analysis of healthcare and out of pocket (OOP) healthcare spending characteristics in the last year of life of people aged 50+ in European countries, based on data from the SHARE study (Survey on Health, Aging and Retirement in Europe). The results of the analysis of SHARE data suggest that the biggest OOP spending on healthcare in the last year of life was among those in the age group 65-74 and that services of general medicine and specialists, hospital care and nursing home services were used the most. The gender difference is evident and women used more home help, and men were more likely to use almost all other services. OOP on healthcare and other services in the last year of life is higher in the older age due to the increasing occurrence of health problems as person ages. This indicates the need to monitor and analyze healthcare spending in the last year of life.

• Keywords: zdravstvo; plaćanja iz džepa; zdravstvena potrošnja; zadnja godina života; osobe 50+; SHARE
• Keywords (english): health; OOP; healthcare spending; last year of life; persons 50+; SHARE
• Language: croatian
• URN:NBN: urn:nbn:hr:148:619980
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2021-08-30 09:12:40