Acıbadem Üniversitesi Sağlık Bilimleri Dergisi 2020 , Vol 11, Issue 3
An Evaluation On Private Health Insurance In Turkey By Executives of Some Insurance Companies
Haluk Özsarı1,Özden Güdük2
1Acıbadem Mehmet Ali Aydınlar Üniversitesi, Sağlık Bilimleri Fakültesi, İstanbul, Türkiye
2Türkiye Sağlık Enstitüleri Başkanlığı, Türkiye Halk Sağlığı ve Kronik Hastalıklar Enstitüsü, İstanbul, Türkiye
DOI : 10.31067/0.2020.303 Objectives: In this study, opinions of the professionals on the current status of private health insurance, needs for the development and the future of private health insurance are compiled. Thus, it is aimed to contribute to the decision-makers about health policies and financing, and also to shed light on academicians and students in the field of health.

Study Design: In this study; in-depth interviews were conducted with 8 of the 39 private health insurance companies serving in our country between November and December 2018.12 semi-structured questions, which were created by the literature review, were asked to evaluate private health insurance in terms of both health insurance and supplementary health insurance. The total market share of the included insurance companies in the study is 82%. The average working time of the 8 people interviewed in the field of private health insurance is 21.75 years.

Results: Compared to developed countries, private health insurance is not sufficiently developed in Turkey; it is stated that social insurance coverage is very comprehensive, low awareness of insurance and trust in public health services can be listed among the most important factors. In this context; the absence of clinical guidelines to establish the standard of service provision; the direct reflection of the increase in the service costs offered by hospitals to the premiums; misconduct is one of the major problems of private health insurance. In order to prevent both financial sustainability and tax loss, the government should support private health insurance. It has been suggested that individual or institutional tax incentives or compulsory social insurance premiums reduction.

Conclusion: The current situation of private health insurance in our country, problems, differences with other countries and future expectations have been put forward. Further studies are recommended for the development of private health insurance as an alternative source of financing for our country"s health system. Keywords : Private health insurance, health finance, complementary health insurance