Designing a model for private health insurance in Iran

Some of high income countries are developing the private health insurance coverage as a complementary or supplementary coverage. We examined the private health insurance in England U.S.A, Germany, Spain, Austria, Turkey, Sweden, Greece, Mexico, Japan, Canada, Denmark and Iran between 2002 and 2006 for studding private health insurance coverage. We used data from the OECD, European Observatory and country specific resources; also we reviewed specific regulations in certain countries, based on this comparative study we designed a model for private health insurance coverage in Iran after approving by specialist in Delphi technique. The private health insurance has been created in order to cover the cost and service gapes which excite in the current basic insurance also increase the satisfaction of insured and make the choice authority for people who have higher incomes. Premiums are the main source of financial support in the private health insurance which is entertained from individual risks and criteria within health condition. In addition Legislation is primary role of government, in addition supporting role in beginning of the work and after that supervising role were suggested. Based on specialist opinions the private health insurance in Iran private health insurance could be covered the gaps of basic health insurance as a complementary or supplementary health insurance based on residency and ability to pay.