Identify the Consequences of Providing Basic and Supplementary Health Insurance Simultaneously by the Social Security Organization

Humans are always at risk of various diseases and inevitably incur high medical costs and hospital costs for recovery and treatment. In order to help people in such cases, various health insurance plans are provided as a basis and complementary, but due to the lack of a single insurer in the presentation, problems have arisen in the field of health insurance. The purpose of this study is to identify the consequences of providing supplementary insurance along with basic insurance by the Social Security Organization of Iran to solve these problems.

This research was applied in terms of purpose with a combined approach, which was conducted in the qualitative part with a focus on semi-structured interviews in the quantitative part based on exploratory and inferential methods. Its statistical population includes managers and experts in the field of insurance-treatment working in the countrychr('39')s social security organization in 1399, which sampling is done purposefully and in the qualitative section until the categories are saturated (15 samples).

Based on the calculated data, extraction concepts (95 concepts) were classified into 27 sub-categories. The sub-categories were also classified into 5 main categories and thus the consequences of providing supplementary insurance by the Social Security Organization were identified. In the quantitative part, due to the fact that the value of the factor load is above 0.5 and the value of CR indicators is less than 0.7, so the data had a good fit with the factor structure of the theoretical basis of the research and were consistent with them.

According to the findings, the implementation of this plan leads to the possibility of special individual insured and no employer with supplementary health insurance, reducing the treatment costs of the insured and the organization, the possibility of discounts on supplementary premiums and consolidation of health insurance will be.