Evaluation of private health insurance companiesʹ views on the need for a complementary health insurance for the sustainability of general health insurance
Birkan Tapan1, Selin Alıcı2, Nurdan Yıldırım2, Albena Gayef3
1İstanbul Bilim Üniversitesi, Sağlık Hizmetleri Meslek Yüksekokulu, İstanbul, Türkiye
2İstanbul Bilim Üniversitesi, Sosyal Bilimler Enstitüsü, Sağlık Kurumları Yöneticiliği, İstanbul, Türkiye
3İstanbul Bilim Üniversitesi, Tıp Fakültesi, Tıp Eğitimi ve Bilişimi Anabilim Dalı, İstanbul, Türkiye
Keywords: Complementary health insurance; financing; general health insurance; health insurance business.
Abstract
Objectives: This study aims to evaluate the views of Health Insurance Companies regarding the need for a complementary health insurance for the sustainability of general health insurance system which is the financing model of health services in Turkey.
Materials and methods: A survey form developed by the researcher was used. The views of Health Insurers that work in 15 health insurance companies registered to Insurance Association of Turkey were stated in the Excel sheets in the form of percentages.
Results: The participants evaluated the risk factors related to General Health Insurance as follows:
• 22% of the participants state that Basic Coverage Package poses the highest risk for General Health Insurance as it is quite comprehensive.
• 21% of the participants evaluate the financing aspect that must be included in the General Health Insurance as the highest risk.
• 19% of the participants express that the current status of our country's resources pose the highest risk for General Health Insurance.
• 18% of the participants state that Service Pricing Policy pose the highest risk for General Health Insurance.
Conclusion: 74% of the participants think that the current General Health Insurance system is not a sustainable one that provides equal and quality health services to the society. 93% of the participants state that General Health Insurance services should be provided together with a Complementary Health Insurance component for the sustainability of the system.