Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household Survey
Background and objectives : Universal insurance coverage is considered as one of the main goals of health systems around the world. Although Universal Health Insurance Law was legislated with the objective of covering all Iranian population under health insurance coverage in 1994, but imperfect insu...
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Tabriz University of Medical Sciences
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doaj-08fffc396cc64d04a32b24131e5b266a2020-11-25T02:55:15ZfasTabriz University of Medical SciencesTaṣvīr-i salāmat2008-90582423-66402012-03-01242835DOH_122_20170717095706Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household SurveyShirin Nosratnejad0Arash Rashidian1Nahid Jafari2Alireza Mahboub Ahari3Department of Health Services Management, School of Management and Medical Informatics, Tabriz University of Medical Sciences, Tabriz, Iran Department of Health Management and Economics, School of Public Health, Tehran University of Medical Sciences, Tehran, IranHealth Network Development Center , Ministry of Health and Medical Education, Tehran, IranDepartment of Health Services Management, School of Management and Medical Informatics, Tabriz University of Medical Sciences, Tabriz, IranBackground and objectives : Universal insurance coverage is considered as one of the main goals of health systems around the world. Although Universal Health Insurance Law was legislated with the objective of covering all Iranian population under health insurance coverage in 1994, but imperfect insurance coverage has remained as a threatening dilemma. Heterogeneous statistics reported by insurer in Iran and the lack of appropriate, comprehensive databases have failed any judgments about the number of uninsured people and the reasons for it. Present study aimed to give better insight on insurance coverage among Iranian people and examine key reasons of imperfect coverage through a deep analysis of a national household survey. Material and Methods : Data which were collected from a national survey of health care utilization in Iran that covered over 102000 people of Iranians were analyzed. The survey had been implemented in 2007 by Iran's Ministry of Health. In order to identify possible reasons for imperfect coverage, national and international databases like SID, Iranmedex, ISC, Pubmed, Scopus, official statistics of Statistical Center of Iran (SCI), Iranian Social Security Organization (ISSO) and Central Insurance of IRIRAN (CII) were searched. Data management was accomplished in Microsoft Excel software. Results : Study results showed that 85% of Iranian households had health insurance coverage, compared to 15% without any coverage. Medical services insurance fund had the greater proportion of coverage (59.27%) and basic private insurance coverage was accountable for the least coverage (0.2%). More than half of households (51%) stated financial inability to pay as the main reason for not getting coverage, followed by the lack of knowledge about insurance (12%), unemployment (12%) and bypass by employers (10%). A worthwhile finding was that, 13% of households implied they felt no need to health insurance and 2% found it useless. Conclusion : Despite the great importance of appropriate data for insurance companies and the role of it for policy-makers, there are many challenges associated with accessibility and accuracy of the data. According to our analysis on national survey, 15% of Iranian residents have neither social nor private insurance coverage. The lack of information and coordination among insurance companies has led to double insurance coverage for some people. Financial inability, feeling no need for insurance, unemployment, the lack of insight, employer bypass and uselessness of insurance which had been ranked as main reasons for not getting coverage, should be taken into consideration by policy-makers.https://doh.tbzmed.ac.ir/PDF/doh-30.pdfsocial insurancesocial insurancesecondary analysisiran |
collection |
DOAJ |
language |
fas |
format |
Article |
sources |
DOAJ |
author |
Shirin Nosratnejad Arash Rashidian Nahid Jafari Alireza Mahboub Ahari |
spellingShingle |
Shirin Nosratnejad Arash Rashidian Nahid Jafari Alireza Mahboub Ahari Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household Survey Taṣvīr-i salāmat social insurance social insurance secondary analysis iran |
author_facet |
Shirin Nosratnejad Arash Rashidian Nahid Jafari Alireza Mahboub Ahari |
author_sort |
Shirin Nosratnejad |
title |
Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household Survey |
title_short |
Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household Survey |
title_full |
Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household Survey |
title_fullStr |
Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household Survey |
title_full_unstemmed |
Universal Health Insurance and the Reasons of not Coverage in Iran: Secondary Analysis of a National Household Survey |
title_sort |
universal health insurance and the reasons of not coverage in iran: secondary analysis of a national household survey |
publisher |
Tabriz University of Medical Sciences |
series |
Taṣvīr-i salāmat |
issn |
2008-9058 2423-6640 |
publishDate |
2012-03-01 |
description |
Background and objectives : Universal insurance coverage is considered as one of the main goals of health systems around the world. Although Universal Health Insurance Law was legislated with the objective of covering all Iranian population under health insurance coverage in 1994, but imperfect insurance coverage has remained as a threatening dilemma. Heterogeneous statistics reported by insurer in Iran and the lack of appropriate, comprehensive databases have failed any judgments about the number of uninsured people and the reasons for it. Present study aimed to give better insight on insurance coverage among Iranian people and examine key reasons of imperfect coverage through a deep analysis of a national household survey. Material and Methods : Data which were collected from a national survey of health care utilization in Iran that covered over 102000 people of Iranians were analyzed. The survey had been implemented in 2007 by Iran's Ministry of Health. In order to identify possible reasons for imperfect coverage, national and international databases like SID, Iranmedex, ISC, Pubmed, Scopus, official statistics of Statistical Center of Iran (SCI), Iranian Social Security Organization (ISSO) and Central Insurance of IRIRAN (CII) were searched. Data management was accomplished in Microsoft Excel software. Results : Study results showed that 85% of Iranian households had health insurance coverage, compared to 15% without any coverage. Medical services insurance fund had the greater proportion of coverage (59.27%) and basic private insurance coverage was accountable for the least coverage (0.2%). More than half of households (51%) stated financial inability to pay as the main reason for not getting coverage, followed by the lack of knowledge about insurance (12%), unemployment (12%) and bypass by employers (10%). A worthwhile finding was that, 13% of households implied they felt no need to health insurance and 2% found it useless. Conclusion : Despite the great importance of appropriate data for insurance companies and the role of it for policy-makers, there are many challenges associated with accessibility and accuracy of the data. According to our analysis on national survey, 15% of Iranian residents have neither social nor private insurance coverage. The lack of information and coordination among insurance companies has led to double insurance coverage for some people. Financial inability, feeling no need for insurance, unemployment, the lack of insight, employer bypass and uselessness of insurance which had been ranked as main reasons for not getting coverage, should be taken into consideration by policy-makers. |
topic |
social insurance social insurance secondary analysis iran |
url |
https://doh.tbzmed.ac.ir/PDF/doh-30.pdf |
work_keys_str_mv |
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