Developing the Iranian Health Insurance Benefit Optimization Model - the Ir-Hibom: A Multicriteria Decision Analysis With Decision Rules for Designing Basic Health Insurance Benefit Packages Publisher Pubmed



A Darvishi ALI ; A Akbari Sari ALI ; M Yaseri MEHDI ; Mr Mobinizadeh Mohammadreza REZA ; R Daroudi RAJABALI
Source: International Journal of Technology Assessment in Health Care Published:2025

Abstract

Objectives Prioritization of health technologies for insurance coverage is usually based on explicit and implicit criteria. This study presents the development of the multi-criteria decision analysis (MCDA) model, the Iranian Health Insurance Benefit Optimization Model (IR-HIBOM), to inform the design of basic health insurance benefit packages. Methods An initial set of twenty-nine potential allocation criteria was identified through a review of available evidence and other relevant literature. Review of this set by three specialized panels yielded a final set of thirteen criteria. A cross-sectional survey using the best-worst scaling method was then fielded to 163 health system experts to evaluate their preferences regarding the relative importance of the allocation criteria. The mixed logit method was employed to determine the weight of the relative importance of each criterion. Subsequently, a multilevel criteria scoring framework was defined based on a review of similar models and input from a panel of five expert members of the study team. Finally, model's appraisal was conducted. Results Thirteen criteria, including relative safety, efficacy, disease severity, access to alternative health technologies, budget impacts, cost-effectiveness, quality of evidence, population size, age, job absenteeism, economic status, daily care needs, and ease-of-use/acceptance were selected. Cost-effectiveness and ease-of-use criteria had the highest and lowest relative importance weights, with 30.5 percent and 1 percent, respectively. Furthermore, scores were determined for the several levels of each criterion, and decision rules were defined for the cost-effectiveness and budget impact criteria. The final model's appraisal, based on weighted scores of thirteen selected technologies, indicated that it was valid and applicable. Conclusions The IR-HIBOM demonstrated its potential utility in the health resource allocation. © 2025 Elsevier B.V., All rights reserved.