Economic Welfare Effect of Providing Guaranteed Renewable Insurance in the Health Insurance Market of Iran

Publish Year: 1400
نوع سند: مقاله ژورنالی
زبان: English
View: 103

This Paper With 19 Page And PDF Format Ready To Download

  • Certificate
  • من نویسنده این مقاله هستم

استخراج به نرم افزارهای پژوهشی:

لینک ثابت به این Paper:

شناسه ملی سند علمی:

JR_IER-25-4_006

تاریخ نمایه سازی: 21 مهر 1402

Abstract:

Reclassification risk is a downside for the insurance applicants in the face of a sharp increase in premiums due to the deterioration of individual health conditions. Guaranteed renewable (GR) health insurance directly protects the applicants against the mentioned risk. The reason for this support is the existence of a prepayment in the first insurance premium. Instead, the premiums in the next years are independent of the applicant’s future health. The current study aimed at evaluating the effect of providing this new insurance policy in the health insurance market of Iran on economic welfare of health insurance applicants. This evaluation was conducted in the form of two hypotheses, including "provision of GR insurance along with other insurance" and “the replacement of all insurance with GR insurance”. The economic welfare at micro-level is measured by changes in household consumption. In an econometric model, the policy effect was evaluated through propensity score matching. In general, the provision of GR insurance in the health insurance market of Iran increased the welfare of insurance applicants. However, the welfare benefits are greater in the second hypothesis. If the integration plan for insurance funds be implemented, GR insurance can be a good alternative to all insurance funds due to the elimination of reclassification risk and the increase of the welfare of health insurance applicants.

Authors

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

مراجع و منابع این Paper:

لیست زیر مراجع و منابع استفاده شده در این Paper را نمایش می دهد. این مراجع به صورت کاملا ماشینی و بر اساس هوش مصنوعی استخراج شده اند و لذا ممکن است دارای اشکالاتی باشند که به مرور زمان دقت استخراج این محتوا افزایش می یابد. مراجعی که مقالات مربوط به آنها در سیویلیکا نمایه شده و پیدا شده اند، به خود Paper لینک شده اند :
  • Abdus, S. (۲۰۱۰). A Game Theoretical Interpretation of Guaranteed Renewability ...
  • Caliendo, M., & Kopeinig, S. (۲۰۰۸). Some Practical Guidance for ...
  • Cochrane, J. (۱۹۹۵). Time-Consistent Health Insurance. Journal of Political Economy, ...
  • Feldman, R., & Schultz, J. (۲۰۰۴). Consumer Demand for Guaranteed ...
  • Finkelstein, A., Garry, K. M., & Sufi, A. (۲۰۰۵). Dynamic ...
  • Fleitas, S., Gowrisankaran, G., & Sasso, A. L. (۲۰۱۹). Reclassification ...
  • Haddad, G. K. (۲۰۱۵). Econometrics of Micro-Data and Policy Evaluation. ...
  • Handel, B. R., Hendel, I., & Whinston, M. D. (۲۰۱۷). ...
  • (۲۰۱۵). Equilibria in Health Exchanges: Adverse Selection versus Reclassification Risk. ...
  • Hendel, I. (۲۰۱۷). Dynamic Selection and Reclassification Risk: Theory and ...
  • Hendel, I., & Lizzeri, A. (۲۰۰۳). The Role of Commitment ...
  • Herring, B., & Pauly, M. V. (۲۰۰۶). Incentive-Compatible Guaranteed Renewable ...
  • Hosoe, N., Gasawa, K., & Hashimoto, H. (۲۰۱۰). Textbook of ...
  • Iran Health Insurance Organization. (۲۰۱۹). Iranian insurance coverage. Retrieved from https://ihio.gov.ir/Iranian ...
  • Khandker, S., Koolwal, G., & Samad, H. (۲۰۰۹). Handbook on ...
  • Letafat, M., Beyranvand, T., Aryankhesal, A., Behzadifar, M., & Behzadifar, ...
  • Maher, A., Bahadori, M., & Ravangard, R. (۲۰۱۷). The Integration ...
  • OECD. (۲۰۱۸). Health at a Glance: Europe ۲۰۱۸. Retrieved from ...
  • Pauly, M. V., Menzel, K., Kunreuther, H., & Hirth, R. ...
  • Pauly, M., Kunreuther, H., & Hirth, R. (۱۹۹۵). Guaranteed Renewability ...
  • Pauly, M., Nickel, A., & Kunreuther, H. (۱۹۹۸). Guaranteed Renewability ...
  • Pindyck, R., & Rubinfeld, D. (۲۰۱۵). Microeconomics (۸nd). New Jersey: ...
  • Plan and Budget Organization of Iran. (۲۰۱۷). The Sixth Five-year Development Plan. Retrieved from ...
  • (۲۰۱۰). The Fifth Five-year Development Plan. Retrieved from http://rc.majlis.ir/fa/law/show/۷۹۰۱۹۶Ranabhat, C. ...
  • Sepehrdoust, H. (۲۰۰۹). Health Care Analysis and Regional Disparities in ...
  • Sirag, A., Nor, N. M., Abdullah, R., & Mustapha, N. ...
  • Statistical Center of Iran. (۲۰۱۳-۲۰۱۶). Household Income and Expenditure Survey. ...
  • United Nations. (۲۰۱۹). Sustainable Development Goals. Retrieved from https://www.un.org/sustainabledevelopment/sustainable-development-goals/Varian, H. ...
  • World Health Organization. (۲۰۱۹a). Primary Health Care towards Universal Health ...
  • (۲۰۱۹b). Universal Health Coverage. Retrieved from https://www.who.int/news-room/fact-sheets/detail/universal-health-coverage-(uhc)Yavari, K., & Mehrnoosh, ...
  • نمایش کامل مراجع