Document Type : Original Research Paper
Authors
1 Department of Economics, School of Management and Economics, Sharif University of Technology, Tehran, Iran
2 Asia Insurance Company, Tehran, Iran
Abstract
Pursuant to Article 8 of Regulation No. 74 of Supplemental Medical Insurance, which insurance companies were required to implement from the beginning of 2010, insurance companies are given the opportunity to conduct medical tests and examinations on groups with less than 50 members, and considering According to the health questionnaire or examinations, refuse to insure a person or persons from the company or provide coverage for the cost of childbirth and diseases that have a previous history. The purpose of this research is to investigate the effect of this article on the rate of selection bias in small companies, using the registered data of group therapy policyholders of an insurance company during the years 2015-2016. To investigate the research hypothesis, which states that the implementation of Article 8 of this regulation will reduce bias in small companies, the regression discontinuity study design method has been used. The results of this research indicate that the implementation of this regulation has no effect on reducing bias in small companies. In addition, the implementation of this regulation will motivate the insured groups to increase the number of employees applying for insurance up to the threshold level (50 people).
Keywords
)
Letters to Editor
Send comment about this article