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Abdollahipour F, Rahimifroshani A, Jaafaripooyan E. Insurance Literacy and the Affecting Factors Related to the Insured of the Health Insurance Organization in Ilam. Iran J Health Insur 2020; 3 (3) :210-221
URL: http://journal.ihio.gov.ir/article-1-145-en.html

Introduction: Due Introduction: Due to the growth of costs and the variety of health problems, insurance is considered to be highly critical in all countries. Health insurance literacy, as a novel type, refers to the awareness of the insured of insurance-related practices and decisions. Therefore, an attempt was made to measure and examine the level of insurance literacy and the affecting factors in the insured of Ilam Health Insurance Organization.
Methods: In this descriptive-analytical, cross-sectional study, a standardized researcher-developed questionnaire was used to measure the health insurance literacy. Data were collected randomly from a sample of 426 insured persons visiting the four government counter offices in contract with the Ilam City Health Insurance Office. Descriptive and inferential statistics were used to analyze the data using SPSS software.
Results: Approximately 74% of the insured in Ilam had a high level of insurance literacy. Health insurance literacy was further significantly associated with the gender, age, type of insurance, education and the income of the insured.
Conclusion: Insurance literacy could be one of the key variables in the optimal use of health insurance services. Therefore, its measurement and promotion should be one of the priorities of insurance organizations, health care providers and policy makers in assessing and designing related trainings and planning practices.