scholarly journals The Availability and Efficiency of Health Insurance to Expatriates: Empirical Findings from Saudi Arabia

2018 ◽  
Vol 11 (3) ◽  
pp. 58
Author(s):  
Hashem Abdullah AlNemer
Keyword(s):  
Saudi Arabia ◽  
Health Insurance ◽  
Qualitative Methodology ◽  
Financial Burden ◽  
High Growth ◽  
Insurance Market ◽  
Primary Data ◽  
Insurance Policy ◽  
Insurance Sector

Health Insurance represents the largest sectors among all types of insurance in Saudi Arabia with a Gross Written Premiums of 51% of the whole insurance market in Saudi Arabia. The high growth of health insurance sector in Saudi Arabia was driven by the obligation mandated by the Ministry of Health "MOH" and Council of Cooperative Health Insurance "CCHI" for expatriates and their families living in Saudi Arabia to have their health insurance, affected mid of 2014. However, the regulations didn’t specify the types and quality of health insurance used. The regulations also didn’t take into consideration the salaries of the expatriates which might affect their financial positions in case of policy cancelation. No studies have been conducted on the Saudi Arabian health insurance market to explore the efficiency and quality of expatriates’ health insurance policy. This paper attempts to fill the gap. The main aim of this study was to explore the availability and efficiency of health care system to expatriates. The quality of health insurance policy relies on the selections made by the employers. The research used qualitative methodology for collection of primary data. A total of 324 responds were received and considered usable for the research. The results were astonishing that most of the participants have their own health insurance policy, however not all service are available to them. Most of the participants clarified that their health insurance policy, did not cover of most of the risk they encountered, it did not cover the medical treatment expenses, as well as the surgery and operation expenses. Such results will put financial burden on expatriates in case their health insurance claims been canceled.

scholarly journals Thriving in a changing world – opportunities and challenges for private health insurance companies

2018 ◽  
Vol 1 (2018/1) ◽  
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Health Impact ◽  
Insurance Market ◽  
Insurance Companies ◽  
Full Potential ◽  
Global Trends ◽  
Health Insurance Companies ◽  
Health Insurance Market

The health insurance market in Poland reflects global trends – such as the rising awareness of personal health impact on quality of life. As a consequence, the health insurance market has seen substantial growth during the last years, which is forecasted to continue at over 20 percent more than life or P&C insurance globally. However, private health insurance has not yet unlocked its full potential.

scholarly journals Assessment of Quality of Life in Adults Living at Charity Homes in Saudi Arabia

2017 ◽  
Vol 9 (9) ◽  
pp. 19
Author(s):  
Samia Abdulmageed ◽  
Ikhlas O. Saeed
Keyword(s):  
Quality Of Life ◽  
Saudi Arabia ◽  
Quantitative Research ◽  
Primary Data ◽  
P Value ◽  
Health Satisfaction ◽  
Sf 36 ◽  
Physical Functions ◽  
Level Of Significance

There is a rising interest in the Quality of Life (QoL) research in the Arabian countries. The study aimed to analyze the association between the health satisfaction, environment, age, and the physical functions to determine the quality of life among adults living in charity homes in Jeddah, Saudi Arabia. The participants recruited for the study were adults, living in charity homes in Jeddah to analyze the results through a quantitative research design. The sample size included in the study was 136, which included the participants from different charity homes in Jeddah. SF-36 was appropriately used to examine the health status of the participants. WHOQOL-BRIEF questionnaire was used for the collection of primary data at the time of interviews. The statistically significant results have been evaluated through the independent t-test between the groups, based on the characteristics of the participants for average SF-36 domain scores. However, ANOVA test evaluated insignificant results on the basis of educational level as the p-value obtained is greater than the level of significance (0.850>0.05). Positive responses for all four domains of SF-36 instrument have been obtained, which recommended that further improvements in the charity homes is required to provide the awareness regarding the security and medication facilities.

scholarly journals A Study on the Impact of Arabic Diglossia on L2 learners of Arabic: Examining Motivation and Perception.

2017 ◽  
Author(s):  
Arab World English Journal ◽  
Maha Abdelrahman Al Hariri Al Zahrani
Keyword(s):  
Saudi Arabia ◽  
Language Learning ◽  
Qualitative Methodology ◽  
Arabic Language ◽  
Primary Data ◽  
Academic Learning ◽  
L2 Learners ◽  
Motivation Level ◽  
Learning Progress ◽  
The Impact

One of the most distinctive features of the Arabic language is the occurrence of diglossia (Al-Batal, 1995). Diglossia involves the use of two varieties of the same language by the same society for different functions. The principle objective of this independent inquiry is to study the impact of Arabic diglossia on L2 learners of Arabic studying this language in the native Arab environment i.e. Saudi Arabia, which is the centre of MSA variety of Arabic. This study also aimed at understanding the effect of awareness about Arabic diglossia on the motivation of L2 learners. Qualitative methodology has been used to gain an in-depth view of the perceptions and the motivation level of L2 learners in two language institutes in Saudi Arabia. The primary data has been collected through self-administered questionnaires from 15 participants studying Arabic at various stages of language learning in the selected language institutes. The secondary data has been taken from various past researchers and literary works related to the topic of this dissertation. It has been found that the L2 learners of Arabic are generally aware of the Arabic diglossia and understand the functional differences between CA and MSA, but this situation doesn’t significantly affect their learning progress as assessed by their academic learning progress before and after attending the language centre and their willingness to continue learning the Arabic language. Indeed, learners studying at advanced stages of Arabic find the diglossic situation motivating and challenging, unlike the starters who were negatively affected (demotivated) by the presence of multiple varieties of Arabic as they find it an intimidating task to learn multiple varieties of Arabic under the umbrella of learning one language.Additionally, social circle and the number native Arabic speaking people around the L2 learners of Arabic have a huge impact on the motivation level of the learners who not only get a higher exposure to CA but also learn the spoken variety from their peers which in return positively motivate them to learn Arabic in the native Arab setting

scholarly journals Awareness Regarding Health Insurance Policy Scheme of Government of Nepal among Local Residents of Dharan Sub-Metropolitan City

2021 ◽  
Vol 4 (1) ◽  
pp. 32-36
Author(s):  
Roshni Thapa ◽  
Shyam Lamsal ◽  
Angur Badhu ◽  
Sharmila Shrestha
Keyword(s):  
Health Insurance ◽  
Service Providers ◽  
Financial Burden ◽  
Family Members ◽  
Demographic Variables ◽  
Sources Of Information ◽  
Insurance Policy ◽  
Quality Health Care ◽  
Cross Sectional ◽  
Metropolitan City

Background: An expensive care discourages people from using health services. The health insurance policy scheme of the government of Nepal aims to provide quality health care services without a financial burden to its citizens. We aimed to assess its awareness among local people of Dharan and also find its acceptance and association with various demographic variables. Methods: This cross-sectional study was conducted among 249 households in 5 wards of Dharan sub-metropolitan city. Using a semi-structured questionnaire, a face-to-face interview was taken either from the financial decision maker/ financial supporter of the family. The socio-demographic characteristics, awareness and perception towards the health insurance policy scheme and its acceptance were assessed. The chi-square test was used to find the association of their awareness with different demographic variables. Results: The majority (70.7%) of the families were aware of the health insurance policy scheme. The most frequent source of knowledge was their friends/ family members (43.7%) followed by insurance service providers (32.4%). Only 36.6% of the families were enrolled in the health insurance policy scheme while 34.1% were not enrolled despite their knowledge about the scheme. Elderly (> 60 years), dependent, those without formal education, or those living below the poverty line were less aware regarding the health insurance policy (p < 0.05). Conclusion: About 29% of families had no idea about health insurance policy scheme and 34.1% were not enrolled in it despite being aware of the scheme. Friends/ family members and insurance service providers were common sources of information.

Health insurance satisfaction, financial burden, locus of control and quality of life of cancer patients: a moderated mediation model

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Saeed Pahlevan Sharif ◽  
Navaz Naghavi ◽  
Fon Sim Ong ◽  
Hamid Sharif Nia ◽  
Hassam Waheed
Keyword(s):  
Quality Of Life ◽  
Health Insurance ◽  
Locus Of Control ◽  
Cancer Patients ◽  
Structural Equation ◽  
Financial Burden ◽  
Equation Modeling ◽  
Content Type ◽  
The Relationship

PurposeThe purpose of this paper is to examine the relationship between consumers' satisfaction with their health insurance and quality of life (QoL), the mediating role of perceived financial burden in this relationship, as well as the moderating effect of external locus of control (LoC) on the relationship between perceived financial burden and QoL among cancer patients.Design/methodology/approachA cross-sectional design was employed in order to collect quantitative data by means of a self-administrated questionnaire. Participants consisted of 387 conveniently selected consumers diagnosed with cancer in Iran. Furthermore, the questionnaire was translated into Persian using a forward–backward method. The model was tested using partial least squares structural equation modeling (PLS-SEM).FindingsThe results indicate that the more satisfied patients are with their health insurance, the higher QoL they experience, and this relationship is explained through reducing perceived financial burden in terms of direct and indirect costs of the disease. Although external LoC belief is negatively related to QoL, it buffers the negative association between financial burden and QoL.Practical implicationsReducing the disparity between consumers' expectation and perception of the comprehensiveness of health insurance policies may relieve consumers' anxiety stemming from financial worries.Originality/valueThis paper fills a gap in the literature where consumers' perception about quality of insurance and its relationship with their QoL has received little attention so far.

scholarly journals Voluntary health insurance as a source of funding for the health care system: the world’s experience and Ukraine

2020 ◽  
Vol 11 (1) ◽  
pp. 61-80
Author(s):  
Fedir Zhuravka ◽  
Olena Zhuravka ◽  
Eugenia Bondarenko
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
The State ◽  
Insurance Market ◽  
Voluntary Health Insurance ◽  
Insurance Sector ◽  
Potential Capacity ◽  
Health Insurance Market ◽  
Care System

In the conditions of insufficient budgetary financing of the health care system and low quality of medical care in the state medical establishments of Ukraine, the importance of extra-budgetary sources of financing becomes increasingly relevant. One such source is voluntary health insurance. The aim of the paper is to compare the state and structure of medical financing in developed countries and in Ukraine, to study the global experience in the functioning of the voluntary health insurance market, and to calculate the potential capacity of the voluntary health insurance sector in Ukraine. For mathematical calculations, 20 absolute indicators of the state of the voluntary health insurance sector, as well as macroeconomic indicators, were used. The annual values of absolute indicators for the period 2010–2019 were used in forming the array of input data. Based on the experience of foreign countries, the paper substantiates the development of the voluntary health insurance in Ukraine as an extra-budgetary source of health care funding. The capacity of the voluntary health insurance sector was defined by the authors as the maximum possible amount of insurance premiums that insurers can receive in the process of selling voluntary health insurance products. The calculations made it possible to conclude that the voluntary health insurance market in Ukraine has the potential for development, as evidenced by the predominance of the potential capacity of the voluntary health insurance segment over its real indicator.

scholarly journals Financial Toxicity of Cancer in China

2018 ◽  
Vol 4 (Supplement 2) ◽  
pp. 155s-155s ◽  
Author(s):  
T. Xu ◽  
J. Wu
Keyword(s):  
Lung Cancer ◽  
Health Insurance ◽  
Cancer Prevention ◽  
Financial Burden ◽  
Chinese Government ◽  
Financial Toxicity ◽  
Insurance Policy ◽  
Insurance Policies ◽  
Incidence And Mortality ◽  
Prevention And Treatment

Background and context: Cancer is not only a medical problem, but also a socioeconomical issue as the high prevalence with poor prognosis brings heavy financial burden to the society. From 2005 to 2013, the incidence and mortality rates have sharply increased in China. The most common types of cancer in males in China are lung cancer, gastric cancer, and liver cancer while breast cancer, lung cancer, colorectal cancer are the major types of cancer among Chinese females. The prognosis for most types of cancer is poor and the treatment costs have been high and hence cancer has caused significant financial burden on patients and negatively impacted their lives. Since the 1970s, Chinese government has been paying attention to cancer burden and applying the nationwide cancer management strategy. Population-based cancer screening, public health education of cancer prevention and treatment on general population, and catastrophic disease medical insurance policy providing additional funding for cancer treatments have been widely implemented in the country. However, cancer in China still imposes the greatest financial burden on the patients, the families, and the society. It is imperative for the Chinese government to develop effective policies to address the financial toxicity of cancer in China. Aim: Through analyzing the data, we introduce and explain how Chinese government implements cancer control strategy in recent decades and how the national health insurance policies work on curing cancer disease. Strategy/Tactics: With presenting the available data from 2005 to 2013, we analyze the overall prevalence trend of cancer incidence and mortality in China. In terms of cost, we analyze the overall inpatient cost, inpatient expenses on the most common cancers, and anticancer pharmacies to explain the economic loss that cancer caused to Chinese people. Program/Policy process: Considering the alarming prevalence and economic burden of cancer, China has been paying attention to cancer prevention and treatment and conduct national cancer plans and insurance policies. The plans focused on taking actions to lower cancer burden in high risk groups and regions, strengthening public education and professional training, and promoting cancer standardized treatment guidelines in the nation. Insurance policies were emphasized on critical disease health coverage, including cancer. Outcomes: To mitigate the situation where patients have become indigent due to critical diseases, since 2012, the Chinese government has issued the Critical Disease Insurance Policy to provide financial assistance through supplementary insurance to patients who have incurred a critical disease such as pediatric leukemia, lung cancer, and cervical cancer. What was learned: We learned how Chinese national cancer prevention plans and health insurance policies were efficient worked in releasing the cancer prevalence trend and decreasing the economic cost in recent decades.

scholarly journals Pengaruh Kualitas Pelayanan Administrasi Di Kantor Bpjs Kesehatan Terhadap Kepuasan Peserta Jaminan Kesehatan Nasional (JKN-KIS) Di Kabupaten Wajo

2020 ◽  
Vol 1 (1) ◽  
pp. 163-175
Author(s):  
Sri Wahyuni ◽  
Abdul Rahman Mus ◽  
Mahfudnurnajamuddin Mahfudnurnajamuddin
Keyword(s):  
Health Insurance ◽  
National Health Insurance ◽  
National Health ◽  
Physical Appearance ◽  
Secondary Data ◽  
Primary Data ◽  
Administrative Services ◽  
Units Of Analysis ◽  
Positive Effect

Penelitian ini dilakukan dengan menggunakan pendekatan survei dan menyebar kuesioner untuk menganalisis fakta dan data-data yang menunjang keterangan yang diperlukan untuk mendukung pembahasan penelitian. Sedangkan jenis penelitian adalah obsevasional analitik yaitu menganalisis pengaruh kehandalan, ketanggapan, empati, jaminan, dan tampilan fisik terhadap kepuasan peserta JKN-KIS. Tujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh kualitas pelayanan administrasi terhadap kepuasan peserta Jaminan Kesehatan Nasional (JKN-KIS) di Kabupaten Wajo. Data yang digunakan adalah data primer dan data sekunder. Populasi atau universe yakni jumlah keseluruhan dari unit analisis yang ciri-cirinya akan diduga. Dalam penelitian ini populasi terdiri dari keseluruhan peserta Jaminan Kesehatan Nasional (JKN-KIS) di Kabupaten Wajo. Hasil penelitian menunjukkan bahwa Variabel kehandalan, ketanggapan, empati, dan jaminan berpengaruh signifikan dan positif terhadap kepuasan peserta JKN-KIS di Kabupaten Wajo, sedangkan Variabel tampilan fisik berpengaruh tidak signifikan terhadap kepuasan peserta JKN-KIS di Kabupaten Wajo, artinya tampilan fisik belum mampu meningkatkan secara signifikan kepuasan peserta JKN-KIS di Kabupaten Wajo. This research was conducted using a survey approach and distributing questionnaires to analyze facts and data that support the information needed to support the research discussion. While the type of research is observational analytic, namely analyzing the effect of reliability, responsiveness, empathy, assurance, and physical appearance on the satisfaction of JKN-KIS participants. The purpose of this study was to determine and analyze the effect of the quality of administrative services on the satisfaction of participants in the National Health Insurance (JKN-KIS) in Wajo Regency. The data used are primary data and secondary data. Population or universe, namely the total number of units of analysis whose characteristics will be estimated. In this study the population consisted of the entire National Health Insurance (JKN-KIS) participants in Wajo Regency.The results showed that the variables of reliability, responsiveness, empathy, and assurance had a significant and positive effect on the satisfaction of JKN-KIS participants in Wajo Regency, while the physical appearance variables had no significant effect on the satisfaction of JKN-KIS participants in Wajo Regency, meaning that physical appearance had not been able to improve JKN-KIS participant in Wajo District satisfaction significantly.

scholarly journals A Comparative Study of Service Quality of Life Insurance Companies in India

2014 ◽  
Vol 4 (1) ◽  
pp. 447-458
Author(s):  
Neha Sharma
Keyword(s):  
Quality Of Life ◽  
Life Insurance ◽  
Insurance Companies ◽  
Innovative Product ◽  
Technology Usage ◽  
Insurance Policy ◽  
Product Introduction ◽  
Insurance Sector ◽  
Regular Customer

The Indian Life Insurance sector has witnessed a major revamp in 1999 with the establishment of Insurance Regulatory and Development Authority (IRDA) and subsequent entry of Private sector players. These changes are affecting the way service is being delivered. Technology usage, new innovative product introduction and competition are seen as drivers of quality of service being provided to the customers. In this study using SERVQUAL model, we have examined the importance of service based on the 5 dimensions viz, Tangibles, Reliability, Responsiveness, Assurance and Empathy. Using 120 Life Insurance policy holders from 3 Life insurance companies in Agra the study identified that the gaps exist even after 15 years of privatization of this sector. The study indicated that a lot needs to be done for improving customer focus and services activity in the Life Insurance sector. Regular customer surveys with increased sample sizes across the country will enable the Insurance companies to fill the gaps.    

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