Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative study
Objective(s): The increasing growth of treatment costs indicates the necessity of insurance coverage of the population. The continuance of this coverage requires sufficient financial resources. One of these financial sources is the insurance premium. Failure to pay it timely causes problems for the...
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| Format: | Article |
| Language: | fas |
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Iranian Institute for Health Sciences Research
2024-12-01
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| Series: | Payesh |
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| Online Access: | http://payeshjournal.ir/article-1-2355-en.pdf |
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| _version_ | 1850079298011004928 |
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| author | Hakimeh Mostafavi Rouholah Gholikhani Alireza Olyaeemanesh Amirhossein Takian |
| author_facet | Hakimeh Mostafavi Rouholah Gholikhani Alireza Olyaeemanesh Amirhossein Takian |
| author_sort | Hakimeh Mostafavi |
| collection | DOAJ |
| description | Objective(s): The increasing growth of treatment costs indicates the necessity of insurance coverage of the population. The continuance of this coverage requires sufficient financial resources. One of these financial sources is the insurance premium. Failure to pay it timely causes problems for the insurer and the insured. This study seeks to identify the causes of non-payment of insurance premiums by the health insurance organization and provide solutions to solve them.
Methods: This qualitative study was conducted through semi-structured interviews and focused discussion sessions. The snowball method was used to identify the interviewees. The interviews continued until data saturation was reached. To analyze the data, the conventional content analysis approach was used based on the method suggested by Granheim and Lundman.
Results: Based on the findings of the study, the causes of non-payment of insurance premiums include non-payment/late payment of insurance premiums by the government, non-payment/late payment of insurance premiums by the executive body, unscientific budgeting, budget deficit, non-compliance with the law, and allocation It is a quarterly budget. By using a set of legal and non-legal solutions, it is possible to facilitate the timely collection of insurance premiums.
Conclusion: Although the government is the main provider of the organization's insurance premium, the organization as a key institution should seek to find solutions to solve its financial problems. Active management of the organization's expenses, taking advantage of new methods of income generation, and attracting the support of charity organizations are suitable solutions to solve the relative financial problems of the organization. |
| format | Article |
| id | doaj-art-afa60e8157394f2688ddfeb81425324a |
| institution | DOAJ |
| issn | 1680-7626 2008-4536 |
| language | fas |
| publishDate | 2024-12-01 |
| publisher | Iranian Institute for Health Sciences Research |
| record_format | Article |
| series | Payesh |
| spelling | doaj-art-afa60e8157394f2688ddfeb81425324a2025-08-20T02:45:15ZfasIranian Institute for Health Sciences ResearchPayesh1680-76262008-45362024-12-01236851863Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative studyHakimeh Mostafavi0Rouholah Gholikhani1Alireza Olyaeemanesh2Amirhossein Takian3 Health Equity Research Center (HERC), Tehran University of Medical Sciences, Tehran, Iran Faculty of law and political sciences, University of Tehran, Tehran, Iran Health Equity Research Center (HERC), Tehran University of Medical Sciences, Tehran, Iran National Center for Health Insurance Research, Tehran, Iran Objective(s): The increasing growth of treatment costs indicates the necessity of insurance coverage of the population. The continuance of this coverage requires sufficient financial resources. One of these financial sources is the insurance premium. Failure to pay it timely causes problems for the insurer and the insured. This study seeks to identify the causes of non-payment of insurance premiums by the health insurance organization and provide solutions to solve them. Methods: This qualitative study was conducted through semi-structured interviews and focused discussion sessions. The snowball method was used to identify the interviewees. The interviews continued until data saturation was reached. To analyze the data, the conventional content analysis approach was used based on the method suggested by Granheim and Lundman. Results: Based on the findings of the study, the causes of non-payment of insurance premiums include non-payment/late payment of insurance premiums by the government, non-payment/late payment of insurance premiums by the executive body, unscientific budgeting, budget deficit, non-compliance with the law, and allocation It is a quarterly budget. By using a set of legal and non-legal solutions, it is possible to facilitate the timely collection of insurance premiums. Conclusion: Although the government is the main provider of the organization's insurance premium, the organization as a key institution should seek to find solutions to solve its financial problems. Active management of the organization's expenses, taking advantage of new methods of income generation, and attracting the support of charity organizations are suitable solutions to solve the relative financial problems of the organization.http://payeshjournal.ir/article-1-2355-en.pdfinsurance premiumhealth insurancelegal solutionspolitical consequencessocial consequences. |
| spellingShingle | Hakimeh Mostafavi Rouholah Gholikhani Alireza Olyaeemanesh Amirhossein Takian Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative study Payesh insurance premium health insurance legal solutions political consequences social consequences. |
| title | Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative study |
| title_full | Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative study |
| title_fullStr | Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative study |
| title_full_unstemmed | Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative study |
| title_short | Reasons for not collecting health insurance premiums and ways to facilitate its collection: a qualitative study |
| title_sort | reasons for not collecting health insurance premiums and ways to facilitate its collection a qualitative study |
| topic | insurance premium health insurance legal solutions political consequences social consequences. |
| url | http://payeshjournal.ir/article-1-2355-en.pdf |
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