Research code: 19571
Ethics code: IR.SSU.SPH.REC.1403.226
Faeze Khaleghi1 
, Atiyeh Dehghan Niri1 , Seyed Masood Mousavi *2 , Reza Valagohar3 , Nima Ghazal4 , Mohammad Ranjbar1
, Atiyeh Dehghan Niri1 , Seyed Masood Mousavi *2 , Reza Valagohar3 , Nima Ghazal4 , Mohammad Ranjbar1
1- Health Policy and Management Research Center, Department of Health Management and Economics, School of Public Health, Shahid Sadoughi University of Medical Sciences, Yazd, Iran
2- Health Policy and Management Research Center, Department of Health Management and Economics, School of Public Health, Shahid Sadoughi University of Medical Sciences, Yazd, Iran ,m.mousavihp93@gmail.com
3- National Center for Health Insurance Research, Tehran, Iran
4- Department Biostatistics and Epidemiology, School of Public Health, Shahid Sadoughi University of Medical Sciences, Yazd, Iran
2- Health Policy and Management Research Center, Department of Health Management and Economics, School of Public Health, Shahid Sadoughi University of Medical Sciences, Yazd, Iran ,
3- National Center for Health Insurance Research, Tehran, Iran
4- Department Biostatistics and Epidemiology, School of Public Health, Shahid Sadoughi University of Medical Sciences, Yazd, Iran
Abstract: (231 Views)
Introduction: Health insurance literacy, as a subset of health literacy, plays a crucial role in empowering individuals to effectively utilize insurance services. A sound understanding of insurance concepts and procedures enables more informed decision-making regarding health and medical care. Given its importance, the present study aimed to assess the level of insurance literacy and identify its determinants among the insured population of the Health Insurance Organization in Yazd in 2025.
Methods: This descriptive-analytical, applied, cross-sectional study employed a survey design. Data were collected from a random sample of 249 insured individuals who visited the health insurance contracting offices in Yazd. A standardized insurance literacy questionnaire was used for data collection. Descriptive statistics and analytical tests, including the Mann–Whitney and Kruskal–Wallis tests, were applied using SPSS version 27.
Results: Overall, 63.8% of participants demonstrated high or very high levels of insurance literacy. The highest mean score was observed in the “information access” domain, while the lowest pertained to “functional skills.” Men, individuals with higher education, and those with higher income showed significantly greater insurance literacy scores. A significant association was also found between total insurance literacy and marital status.
Conclusion: Although the overall level of insurance literacy among the study population was relatively satisfactory, certain subgroups—particularly women and individuals with lower education and income levels—still require targeted educational interventions. Enhancing public education for these groups can substantially improve the effective utilization of health insurance services.
Methods: This descriptive-analytical, applied, cross-sectional study employed a survey design. Data were collected from a random sample of 249 insured individuals who visited the health insurance contracting offices in Yazd. A standardized insurance literacy questionnaire was used for data collection. Descriptive statistics and analytical tests, including the Mann–Whitney and Kruskal–Wallis tests, were applied using SPSS version 27.
Results: Overall, 63.8% of participants demonstrated high or very high levels of insurance literacy. The highest mean score was observed in the “information access” domain, while the lowest pertained to “functional skills.” Men, individuals with higher education, and those with higher income showed significantly greater insurance literacy scores. A significant association was also found between total insurance literacy and marital status.
Conclusion: Although the overall level of insurance literacy among the study population was relatively satisfactory, certain subgroups—particularly women and individuals with lower education and income levels—still require targeted educational interventions. Enhancing public education for these groups can substantially improve the effective utilization of health insurance services.
Type of Study: Research |
Subject:
Special
Received: 2025/09/13 | Revised: 2025/11/15 | Accepted: 2025/10/25
Received: 2025/09/13 | Revised: 2025/11/15 | Accepted: 2025/10/25
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