Volume 6, Issue 3 (Autumn 2023)
Iran J Health Insur 2023, 6(3): 197-210 |
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Kaykhosravi A, Hosseini Shakib M, Montazerlotf M. The Pattern of Risk Assessment of Fetal Anomaly Coverage of Supplementary Insurance in the Iranian Insurance Industry: Grounded Theory Approach. Iran J Health Insur 2023; 6 (3) :197-210
URL: http://journal.ihio.gov.ir/article-1-293-en.html
URL: http://journal.ihio.gov.ir/article-1-293-en.html
1- Department of Industrial Management, Science and Research Branch, Islamic Azad University, Tehran, Iran
2- Department of Industrial Management, Karaj Branch, Islamic Azad University, Karaj, Iran ,Mehrdad.shakib@kiau.ac.ir
3- Department of Information Technology Management, Faculty of Management and Economics, Science and Research Branch, Islamic Azad University, Tehran, Iran
2- Department of Industrial Management, Karaj Branch, Islamic Azad University, Karaj, Iran ,
3- Department of Information Technology Management, Faculty of Management and Economics, Science and Research Branch, Islamic Azad University, Tehran, Iran
Abstract: (468 Views)
Introduction: Risk assessment is one of the important issues in insurance industry that can lead to better performance of insurance companies. The aim of this study is to provide a risk assessment model for the coverage of fetal malformations of supplementary insurance in the Iranian insurance industry in order to identify the effective factors and the extent of the impact of each with a mixed approach.
Methods: This research is exploratory-descriptive based on the way of data collection and is developmental-applied in terms of purpose. The qualitative section was conducted with in-depth interviews with 14 insurance industry experts and specialized physicians using the data method of the foundation in three stages of open coding, axial coding, and selective coding in MAXQDA software. In the quantitative section, the data collected using a questionnaire from 67 insurance industry experts were measured by the structural equation modeling method using SMART-PLS software. The reliability and validity of the quantitative method were calculated and confirmed using Cronbach's alpha coefficient and confirmatory factor analysis, respectively.
Results: In the qualitative section, six main factors including parental characteristics, insured group characteristics, environmental factors, scientific and technological factors, cultural and social factors, and factors related to the insurance industry were identified, and 36 indicators as factors affecting risk of coverage fetal malformations insurance. Findings showed that 32 indicators out of 36 indicators are statistically confirmed and all six identified factors have a positive and significant effect on fetal malformations.
Conclusion: The results confirm that the insured group characteristics have the greatest impact on the risk of insurance coverage for fetal malformations. Therefore, in order to cover the mentioned risk, insurance companies should pay special attention to the indicators of education, geographical status, demographic composition, and gender composition of the members of the insurance group.
Methods: This research is exploratory-descriptive based on the way of data collection and is developmental-applied in terms of purpose. The qualitative section was conducted with in-depth interviews with 14 insurance industry experts and specialized physicians using the data method of the foundation in three stages of open coding, axial coding, and selective coding in MAXQDA software. In the quantitative section, the data collected using a questionnaire from 67 insurance industry experts were measured by the structural equation modeling method using SMART-PLS software. The reliability and validity of the quantitative method were calculated and confirmed using Cronbach's alpha coefficient and confirmatory factor analysis, respectively.
Results: In the qualitative section, six main factors including parental characteristics, insured group characteristics, environmental factors, scientific and technological factors, cultural and social factors, and factors related to the insurance industry were identified, and 36 indicators as factors affecting risk of coverage fetal malformations insurance. Findings showed that 32 indicators out of 36 indicators are statistically confirmed and all six identified factors have a positive and significant effect on fetal malformations.
Conclusion: The results confirm that the insured group characteristics have the greatest impact on the risk of insurance coverage for fetal malformations. Therefore, in order to cover the mentioned risk, insurance companies should pay special attention to the indicators of education, geographical status, demographic composition, and gender composition of the members of the insurance group.
Type of Study: Research |
Subject:
Special
Received: 2023/08/12 | Revised: 2024/01/21 | Accepted: 2023/11/29 | ePublished: 2023/12/20
Received: 2023/08/12 | Revised: 2024/01/21 | Accepted: 2023/11/29 | ePublished: 2023/12/20
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