As global population ageing persists, understanding older adults' capacity to navigate the financial and healthcare system is essential. This scoping review examines how the concept of financial health literacy (FHL) is described and measured in the existing literature, the factors that may affect it, and its potential outcomes in middle-aged and older adults. The review follows the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analysis) extension guidelines to synthesise the available evidence on this topic. We utilised electronic databases and hand searching to identify relevant literature published between 2010 and 2022. A total of 29 articles were included in this review. The results showed that FHL involved accessing, understanding and utilising financial information for planning/management of healthcare expenses and selecting appropriate health services. However, FHL is not particularly depicted as a concept in the current literature, as most studies investigated health literacy, financial literacy and health insurance literacy as separate domains that were interrelated to one another. No validated measurement tool was developed for FHL. We propose five domains to indicate the concept and measurement of FHL in middle-aged/older adults: money management, management of medical bills, understanding health insurance, deciding on appropriate health services, and planning for long-term care needs. Demographic variables, such as sex (females), advanced age, cognitive impairment, low education and income and racial and ethnic minorities, were found to be related to low FHL. The reviewed studies also showed that FHL was related to several outcomes, including healthcare decision-making, physical health and psychological well-being. Hence, future studies to develop and validate assessment tools of FHL, together with the involvement of vulnerable groups, are imperative to understanding the concept of FHL. This could also facilitate the development of appropriate interventions that could enhance this capacity in the ageing population.

中文翻译：

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了解金融健康素养在中年和老年的作用：范围界定审查

随着全球人口老龄化持续存在，了解老年人驾驭金融和医疗保健系统的能力至关重要。本范围界定审查检查了现有文献中如何描述和衡量金融健康素养 (FHL) 的概念、可能影响它的因素，以及它在中年和老年人中的潜在结果。审查遵循 PRISMA（系统审查和荟萃分析的首选报告项目）扩展指南，以综合有关该主题的可用证据。我们利用电子数据库和手工搜索来识别 2010 年至 2022 年间发表的相关文献。本综述共收录了 29 篇文章。结果表明，FHL 涉及访问，了解和利用财务信息来规划/管理医疗费用并选择合适的医疗服务。然而，FHL 在当前文献中并没有被特别描述为一个概念，因为大多数研究将健康素养、金融素养和健康保险素养作为相互关联的独立领域进行调查。没有为 FHL 开发经过验证的测量工具。我们提出五个领域来说明中年/老年人 FHL 的概念和测量：资金管理、医疗账单管理、了解健康保险、决定适当的健康服务以及规划长期护理需求。人口统计变量，例如性别（女性）、高龄、认知障碍、低教育和低收入以及种族和少数民族，被发现与低 FHL 有关。审查的研究还表明，FHL 与多种结果相关，包括医疗保健决策、身体健康和心理健康。因此，未来开发和验证 FHL 评估工具的研究，以及弱势群体的参与，对于理解 FHL 的概念是必不可少的。这也可以促进制定适当的干预措施，以增强老龄人口的这种能力。