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BACKGROUND AND OBJECTIVES: Despite the great importance of supplementary health insurance, one of the obstacles to its expansion is that the willingness to pay for it is not known. The disregard for insurance calculations in the law and the supportive views of policy makers in this area have meant that premiums have been set by the insurer and for this reason may not match the costs incurred. With this in mind, the main objective of this article is to identify the factors that influence consumers’ willingness to pay for supplementary health insurance and to estimate their willingness to pay. METHODS: To achieve these objectives, the library study, expert panel, and discrete choice experiment methods were used along with the common analysis technique. FINDINGS: Based on the results of the qualitative part, eight features were extracted for the health insurance package at four levels. The results of the quantitative part also showed that people in Tehran derive the most benefit from insurance coverage for inpatient services. This benefit is greater for inpatient services in the private sector than in the public sector. In addition, coverage of outpatient services carries more weight in people’s preferences than other characteristics. Also, the desirability and willingness to pay for coverage of dental services was significant and for coverage of long-term care, paraclinical services and rehabilitation was rated as moderate. Medical devices have the least benefit to people and the presence of this feature in the supplementary health insurance package has the least impact on people’s willingness to pay. The insurance premium also has a negative influence on the choice of supplementary insurance. The results also show that the demographic (topical) and socioeconomic characteristics of the insured can influence people’s preferences. CONCLUSION: People are most willing to pay for “dental services”, “home care” and “numerous medical centers under contract”, which should be considered by insurers when drafting policies. [ABSTRACT FROM AUTHOR]

The importance of customer satisfaction in business prosperity is undeniable, so many organizations consider customer satisfaction as the main driver of their business growth and try to keep their customers satisfied. The business market has never been so competitive in most areas. This is the reason why things like customer experience and customer loyalty are more and more important and are considered an indicator to measure the success of the business. Based on this, in this research, we will examine the level of satisfaction of insurance policyholders with supplementary health insurance services in Iran using the SERVQUAL model. This model is one of the most common models used in the field of quality assessment in the service sector. The method of conducting this research is a descriptive survey. The sampling method in the current research is simply random the statistical population is insurance policyholders and the sample number is 686 people from the society. The findings of the current research showed that there is a negative and significant gap in all dimensions of service quality. [ABSTRACT FROM AUTHOR]

In this paper, we simulate several scenarios of the potential premium range for voluntary (supplementary) health insurance, covering benefits which might be excluded from mandatory health insurance (MI). Our findings show that, by adding risk-factors, the minimum premium decreases and the maximum increases. The magnitude of the premium range is especially substantial for benefits such as medical devices and drugs. When removing benefits from MI policymakers should be aware of the implications for the potential reduction of affordability of voluntary health insurance coverage in a competitive market. [ABSTRACT FROM AUTHOR]