این سایت در حال حاضر پشتیبانی نمی شود و امکان دارد داده های نشریات بروز نباشند
Journal of Health Management and Informatics، جلد ۸، شماره ۱، صفحات ۹-۱۵
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عنوان انگلیسی Reclassification Risk Management in the Health Insurance Market of Iran
چکیده انگلیسی مقاله Introduction: Reclassification risk in the health insurance market happens when premiumprices are determined based on the health level. It is necessary for insurance applicants tomanage this risk due to uncertainty about the individual’s health status in later periods.Guaranteed renewable insurance fully covers this risk because the health level is not takeninto account in calculating the premiums. This study is an attempt to calculate the welfarebenefits resulting from the coverage of this risk by providing guaranteed renewable insurancein this market.Methods: The economic welfare model in the form of computable general equilibrium hasbeen used to measure welfare. The model is calibrated by the data of social accounting matrixand national health accounts in 2011. Social accounting matrix is extracted based on the latestinput-output table for the economy of Iran presented in this yeaResults: The results show that, in general, the more guaranteed renewable insurance expandsin the health insurance market, the greater the welfare effects will be; therefore, the eliminationof basic insurance from this market and provision of the same insurance for all people in theform of guaranteed renewable insurance (complete elimination of reclassification risk) canincrease economic welfare up to 6%.Conclusion: Reclassification risk management by providing guaranteed renewable insurancein the health insurance market of Iran, due to increasing the welfare of the insured, will leadto the provision of a unit insurance plan and equal access to health services for all.
کلیدواژه‌های انگلیسی مقاله Health insurance, Health Policy, Risk management
نویسندگان مقاله Farzaneh Ghaemi |
Department of Health Economics, Faculty of Management and Economics, Tarbiat Modares University, Tehran, Iran

Abbas Assari Arani |
Department of Economic Development and Planning, Faculty of Management and Economics, Tarbiat Modares University, Tehran, Iran

Hossein Sadeghi |
Department of Economic Development and Planning, Faculty of Management and Economics, Tarbiat Modares University, Tehran, Iran

Lotfali Agheli |
Department of Agricultural Economics, Economic Research Institute, Tarbiat Modares University, Tehran, Iran

نشانی اینترنتی https://jhmi.sums.ac.ir/article_47599_c398f672c52cac4f34cce947eb655cc6.pdf
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