Estimation of Price Elasticity and Effective Factors on Demand for Supplementary Insurance: Case Study Board's Members and Staff of Health School; Tehran University of Medical Sciences

The development supplementary insurance and the increasing of insurance coverage results to increase the level of health of society and helps to provide more services. The aim of this study was estimate price elasticity demand for supplementary insurance and effective factors on its use or non-use, among board’s members and staffs of health faculty of Tehran University of medical sciences in 2011. This was a descriptive analytic cross-sectional study. The data collection tool was a questionnaire. For data analysis from SPSS 20 version was used. Also, descriptive and inferential statistics such as average test and logistic regression were used. Price elasticity of demand for supplementary insurance was 0.53. Also, the results showed the cost of health care, education level and health status is a significant correlation with demand for supplementary health insurance. Increasing quality of services and expanding package of suggested services such as dental services can be results to increase of demand for health insurances even if the premium is risen.