Original Research Paper
S. Darzi Ramandi; R. Shahnazi; M. Aboutorabi; L. Niakan; Z. Kavosi
Abstract
Selling unnecessary services to patients puts a lot of pressure on insurance companies. This study was conducted with the aim of investigating the effect of the increase in the competition of doctors and, as a result, the increase in induced demand on health expenditures. This study is applied and of ...
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Selling unnecessary services to patients puts a lot of pressure on insurance companies. This study was conducted with the aim of investigating the effect of the increase in the competition of doctors and, as a result, the increase in induced demand on health expenditures. This study is applied and of a descriptive-analytical type, which was conducted using panel data in an eight-year period (1385-1392). After performing appropriate econometric tests, finally the model was estimated using the Driscoll-Karay test. According to the results, with the increase in the ratio of doctors per capita, health care expenses increased in a third-order equation, and in this case, the induced demand hypothesis that the increase in the supply of doctors affects health expenses in Iran during the years of study is accepted. According to this finding, with a 1% increase in the ratio of doctors to the population, healthcare expenses increase by 0.38%. Considering the existence of a significant relationship between the physician per capita and the population and health costs, as well as the point of change of the concavity of the obtained function, it seems that the decision makers in this field, such as medical insurance, as the buyer of services, should pay more attention to the control of this issue in these insurance policies.
Original Research Paper
M. Salehi; N. Sharif; M. Safarzade; M. Khalilinejad
Abstract
This article presents a dynamic model in order to know the influencing factors on the change in the number of insured people in medical service insurance companies and to examine different policies to improve the behavior of the system in order to achieve the desired goals. Therefore, all the components ...
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This article presents a dynamic model in order to know the influencing factors on the change in the number of insured people in medical service insurance companies and to examine different policies to improve the behavior of the system in order to achieve the desired goals. Therefore, all the components of an insurance company, including investment units, units for paying medical expenses, the unit related to the company's advertising policies, and other parts that together constitute a complete set of the company, were examined. Due to the existence of a feedback relationship between these variables and the complexity of the subject, the systems dynamics approach has been used to model the system and examine different policies. In order to reach more accurate results, as a case study, Iran's social security insurance has been examined and using the data of 1380-1390 in the model, it was found that some parameters such as changes in investment and advertising policies can have a great effect on attracting People to have an insurance company.
Original Research Paper
Y. Rashnavadi; S.A.R. Abtahi; A. Sarrami Foroushani
Abstract
Life insurance in Iran is still a small share of the insurance industry compared to the global average and compared to countries in the perspective region, despite the growing trend. The purpose of this article is to find the causes of this problem by specifying the related mechanisms. To achieve this ...
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Life insurance in Iran is still a small share of the insurance industry compared to the global average and compared to countries in the perspective region, despite the growing trend. The purpose of this article is to find the causes of this problem by specifying the related mechanisms. To achieve this goal, previous researches and interviews with industry experts have been used, and by applying the systems dynamics approach, the mathematical model of the problem has been created and simulated. The results of the model simulation show that the continuation of the current growing trend in the sale of life insurance and its production premium is possible for the next 10 years, and the most important factors that affect the future of the insurance industry are: the extent of the expansion of the network of agents and sales, sales efficiency of agents, and optimal management of financial resources in order to respond to established obligations. Evidence and analysis indicate that the future of this industry is more in the hands of its decision makers and policy makers than in the control of exogenous factors.
Original Research Paper
A.M. Rahimibaghabrishami; E. Malekian; Y. Kamyabi; A.M. Tehranchian
Abstract
Accurate understanding of agency relationships and the rights and interests of insurance industry stakeholders is one of the basic requirements for accurate and fair formulation of accounting regulations and standards. Based on this, the national and international accounting standards authorities have ...
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Accurate understanding of agency relationships and the rights and interests of insurance industry stakeholders is one of the basic requirements for accurate and fair formulation of accounting regulations and standards. Based on this, the national and international accounting standards authorities have tried to formulate and present appropriate requirements and standards for the financial reporting of this important sector by recognizing and drawing the relationships between insurance industry activists. In 2015, Iran's Standards Development Committee also published Accounting Standard No. 28 for general insurance activities. In this research, the adequacy of accounting standard requirements is evaluated by evaluating the effect of the method of calculating financial elements on the two indicators of "profit" and "financial wealth", which respectively express the interests of insurers and policyholders as the main beneficiaries of the insurance industry. The results of the research show that the accounting standard number 28 under the title of general insurance activities is not sufficient to respect and align the rights of the beneficiaries (insurers and policyholders).
Original Research Paper
A. Khodabakhshi
Abstract
Arbitration is one of the prominent ways of resolving disputes in business and industry. The importance and role of arbitration, in addition to reducing lawsuits in court, is to speed up the settlement of damages, satisfaction and reduce other damages in the insurance industry. However, the insurance ...
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Arbitration is one of the prominent ways of resolving disputes in business and industry. The importance and role of arbitration, in addition to reducing lawsuits in court, is to speed up the settlement of damages, satisfaction and reduce other damages in the insurance industry. However, the insurance industry does not have much use for this solution, and in the latest developments, according to the compulsory insurance law for damages caused to third parties due to accidents caused by vehicles (9/5/2016), which was a good opportunity for the emergence of better arbitration, This possibility was not used. Although it is possible that the authorities stipulated in its articles 29 and 39 are compatible with arbitration, but more accuracy shows the opposite, because the damage assessor (the subject of the note of article 39) is compatible with the expert and the board (the subject of article 29) with the independent legal entity. And therefore is not subject to arbitration rules. In addition to examining the related concepts of arbitration, this article analyzes these materials.
Original Research Paper
A. Keikha; M. Sarani
Abstract
The expansion of insurance is one of the solutions of governments, especially democratic and people-oriented governments, to achieve a healthy society with sustainable health. So that with the expansion and generalization of insurances, all aspects of a person's life in the society are covered by insurance. ...
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The expansion of insurance is one of the solutions of governments, especially democratic and people-oriented governments, to achieve a healthy society with sustainable health. So that with the expansion and generalization of insurances, all aspects of a person's life in the society are covered by insurance. The purpose of this research is to identify and prioritize the obstacles to the implementation of the health insurance system based on the three-pronged model in three structural, contextual, and behavioral dimensions. The research method of this research is a combination (qualitative-quantitative) with an exploratory approach. The statistical population of the research in the qualitative part includes 30 people from Zahedan's social security experts, and relevant information was collected using interviews. In this section, after the interview, the content of the interview was analyzed using the theme analysis method, and the sub-dimensions of the three obstacles were identified, and after the obstacles were identified, the indicators were ranked using the hierarchical analysis method and Expert choice software. The results of the hierarchical analysis in this section showed that the inconsistency rate of this test is 0.03 and because it is less than the criterion of 0.1, therefore the reliability of the research tool is confirmed. Also, the results of the hierarchical analysis showed that the contextual dimensions with a weight of 0.582 had the highest priority, and the structural and behavioral dimensions had the weights of 0.279 and 0.139, respectively. In the quantitative part, 250 questionnaires were randomly distributed among the employees of Zahedan Social Security Organization. The results of the average test of a community showed that all dimensions of behavioral, contextual, and structural barriers have an effect on the implementation of the health insurance system from the point of view of the respondents.
