Nosratnejad Shirin, Rashidian Arash, Akbari Sari Ali, Moradi Najme
Tabriz Health Services Management Research Center, Dept. of Health Services Management, School of Management and Medical Informatics, Tabriz University of Medical Sciences, Tabriz, Iran.
Iranian Center of Excellence in Health Services Management, School of Management and Medical Informatics, Tabriz University of Medical Sciences, Tabriz, Iran.
Iran J Public Health. 2017 Sep;46(9):1247-1255.
Complementary health insurance is increasingly used to remedy the limitations and shortcomings of the basic health insurance benefit packages. Hence, it is essential to gather reliable information about the amount of Willingness to Pay (WTP) for health insurance. We assessed the WTP for health insurance in Iran in order to suggest an affordable complementary health insurance.
The study sample consisted of 300 household heads all over provinces of Iran in 2013. The method applied was double bounded dichotomous choice and open-ended question approach of contingent valuation.
The average WTP for complementary health insurance per person per month by double bounded dichotomous choice and open-ended question method respectively was 199000 and 115300 Rials (8 and 4.6 USD, respectively). Household's heads with higher levels of income and those who worked had more WTP for the health insurance. Besides, the WTP increased in direct proportion to the number of insured members of each household and in inverse proportion to the family size.
The WTP value can be used as a premium in a society. As an important finding, the study indicated that the households were willing to pay higher premiums than currently collected for the complementary health insurance coverage in Iran. This offers the policy makers the opportunity to increase the premium and provide good benefits package for insured people of country then better risk pooling.
补充健康保险越来越多地被用于弥补基本健康保险福利套餐的局限性和不足。因此，收集有关健康保险支付意愿（WTP）金额的可靠信息至关重要。我们评估了伊朗健康保险的支付意愿，以便提出一种负担得起的补充健康保险。
研究样本包括2013年伊朗全国各省的300名户主。采用的方法是双重界限二分法选择和条件估值的开放式问题方法。
通过双重界限二分法选择和开放式问题方法，每人每月对补充健康保险的平均支付意愿分别为199000里亚尔和115300里亚尔（分别为8美元和4.6美元）。收入水平较高的户主和有工作的户主对健康保险的支付意愿更高。此外，支付意愿与每户参保成员数量成正比，与家庭规模成反比。
支付意愿值可作为社会中的保费。作为一项重要发现，该研究表明，家庭愿意支付比伊朗目前收取的补充健康保险费用更高的保费。这为政策制定者提供了提高保费的机会，为该国的被保险人提供良好的福利套餐，从而实现更好的风险分担。
