Loading...

An Analysis of Private Health Insurance Purchasing Decisions
Of Urban Households in Iran

Hematy, Maryam | 2009

612 Viewed
  1. Type of Document: M.Sc. Thesis
  2. Language: Farsi
  3. Document No: 39890 (44)
  4. University: Sharif University of Technology
  5. Department: Management and Economics
  6. Advisor(s): Zamani, Shiva; Souri, Davoud
  7. Abstract:
  8. In order to better understand the performance of the Iranian health insurance industry, household decisions to purchase private health insurance are analyzed using a two-stage (Heckman) model on Survey of Family Income and Expenditure data. Probit and OLS regressions are used to examine the factors influencing the probability and amount of private health insurance purchased. Generally, factors affecting the probability of having insurance also influence the amount of insurance coverage purchased. The results show the importance of some demographics on the insurance decision, particularly age, gender and marital status. Socio-economic factors such as education, income, employment sector, all influence the probability of purchasing private insurance. Higher income and education levels are associated with increased probabilities and larger quantities of private insurance purchases. Married males, household with more than one earning member and household heads working as wage earners instead of being self employed, are more likely to purchase private insurance than their counterparts. The likelihood of private insurance purchase also tends to decrease with larger family sizes and tobacco consumption by households.

  9. Keywords:
  10. Iranian Urban Households ; Private Health Insurance ; Uninsured Households ; Double Stage Models ; Probit Regression

 Digital Object List

 Bookmark

No TOC