خصائص خدمة التأمين الصحي الأكثر تفضيلا لدى الأفراد : دراسة باستخدام تقنية التحليل المشترك "Conjoint Analysis"

الملخص EN

Private health insurance services supervised directly by the State is a step in the right direction, and since this form of health insurance service provision is still under test and development, this study arrives in the context of shedding light on the most preferential attributes of this service.

With the term, "most preferential” given to indicate those attributes that give the individual the highest level of satisfaction, and hence motivating the individual to subscribe to that particular service.

Then this subscription will provide the necessary funds to provide and improve that service.

The researcher used a sample of 247 individuals of those who are already subscribing to a health insurance programme in order to explore their views on aspired attributes compared to currently available attributes.

To do this, conjoined analysis was used to extract preferred attributes and calculate the individual’s willingness to pay for each attribute, as well as identifying the relative importance of each attribute.

The conclusions obtained are as follows: - The attributes that maximizes the level of utility for individuals are: o The insurance policy is evaluated at s.p.250 / month o The maximum level of benefit obtained for surgical operation and associated services is equal to s.p.750,000 / year