Insurance Companies’ Point of View Toward Moral Hazard Incentives

Insurance Companies’ Point of View Toward Moral Hazard Incentives

Khorasani E^{1, 2} ; Keyvanara M³ ; Etemadi M⁴ ; Asadi S⁵ ; Mohammadi M⁵ ; Barati M⁵

Show Affiliations

1. Department of Pharmacoeconomics and Pharmaceutical Administration, School of Pharmacy, Tehran University of Medical Sciences, Tehran, Iran
2. School of Pharmacy, Isfahan University of Medical Sciences, Isfahan, Iran
3. Department of Healthcare Management, Social Determinants of Health Research Center, School of Management and Medical Informatics, Isfahan University of Medical Sciences, Isfahan, Iran
4. Department of Health Services Management and Health Policy, Health Management and Economics Research Center, Iran University of Medical Sciences, Tehran, Iran
5. Department of Healthcare Management, Isfahan University of Medical Sciences, Isfahan, Iran

Source: Journal of Medical Ethics and History of Medicine Published:2016

Abstract

Moral hazards are the result of an expansive range of factors mostly originating in the patients’ roles. The objective of the present study was to investigate patient incentives for moral hazards using the experiences of experts of basic Iranian insurance organizations. This was a qualitative research. Data were collected through semi-structured interviews. The study population included all experts of basic healthcare insurance agencies in the City of Isfahan, Iran, who were familiar with the topic of moral hazards. A total of 18 individuals were selected through purposive sampling and interviewed and some criteria such as data reliability and stability were considered. The anonymity of the interviewees was preserved. The data were transcribed, categorized, and then, analyzed through thematic analysis method. Through thematic analysis, 2 main themes and 11 subthemes were extracted. The main themes included economic causes and moral-cultural causes affecting the phenomenon of moral hazards resulted from patients’ roles. Each of these themes has some sub-themes. False expectations from insurance companies are rooted in the moral and cultural values of individuals. People with the insurance coverage make no sense if using another person insurance identification or requesting physicians for prescribing the medicines. These expectations will lead them to moral hazards. Individuals with any insurance coverage should consider the rights of insurance agencies as third party payers and supportive organizations which disburden them from economical loads in the time of sickness. © 2016 Medical Ethics and History of Medicine Research Center, Tehran University of Medical Sciences. All rights reserved.

Style	Citing Format
MLA	Khorasani E, et al.. "Insurance Companies’ Point of View Toward Moral Hazard Incentives." Journal of Medical Ethics and History of Medicine, vol. 9, no. , 2016, pp. 1-7.
APA	Khorasani E, Keyvanara M, Etemadi M, Asadi S, Mohammadi M, Barati M (2016). Insurance Companies’ Point of View Toward Moral Hazard Incentives. Journal of Medical Ethics and History of Medicine, 9(), 1-7.
Chicago	Khorasani E, Keyvanara M, Etemadi M, Asadi S, Mohammadi M, Barati M. "Insurance Companies’ Point of View Toward Moral Hazard Incentives." Journal of Medical Ethics and History of Medicine 9, no. (2016): 1-7.
Harvard	Khorasani E et al. (2016) 'Insurance Companies’ Point of View Toward Moral Hazard Incentives', Journal of Medical Ethics and History of Medicine, 9(), pp. 1-7.
Vancouver	Khorasani E, Keyvanara M, Etemadi M, Asadi S, Mohammadi M, Barati M. Insurance Companies’ Point of View Toward Moral Hazard Incentives. Journal of Medical Ethics and History of Medicine. 2016;9():1-7.
BibTex	@article{ author = {Khorasani E and Keyvanara M and Etemadi M and Asadi S and Mohammadi M and Barati M}, title = {Insurance Companies’ Point of View Toward Moral Hazard Incentives}, journal = {Journal of Medical Ethics and History of Medicine}, volume = {9}, number = {}, pages = {1-7}, year = {2016} }
RIS	TY - JOUR AU - Khorasani E AU - Keyvanara M AU - Etemadi M AU - Asadi S AU - Mohammadi M AU - Barati M TI - Insurance Companies’ Point of View Toward Moral Hazard Incentives JO - Journal of Medical Ethics and History of Medicine VL - 9 IS - SP - 1 EP - 7 PY - 2016 ER -

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