Document Type : Original Article
Authors
1 دانشگاه آزاداسلامی واحد خمینی شهر
2 استادیار دانشکده حقوق و اقتصادی دانشگاه آزاد خمینی شهر
Abstract
Medical insurance is known as one of the most important fields of insurance in the insurance industry. This field can be designed and implemented in a wide range of designs. Medical insurance is one of the important branches of the insurance industry, which attracts the attention of many insurers and has a very high diversity due to the difference in lifestyle, purchasing power and different needs of people. Different insurance policies with various insurance coverage obligations are designed and priced according to the needs and requests of policyholders. Since the day-by-day increase in the costs paid by people to receive medical services is considered one of the most important issues and problems in the field of healthcare in the country, insurance companies have also tried, considering the importance of this issue, by providing different and innovative plans that suit the needs of people. Provide and facilitate this need so that when an accident or illness occurs, the economy of families does not fall apart due to the high cost of medical services. But in the meantime, some violations and frauds that occur in the field of medical insurance or the non-technical rates that are included for this insurance, have caused the field of medical insurance to be considered one of the losing fields in the insurance industry and cause problems for insurance companies. According to the study, the supervisory body and insurance companies should prevent price breaks and non-technical rates of companies for sale in order to reduce the loss of this field. Due to the higher growth rate of damage compared to the growth rate of medical insurance premiums in the country, this issue has had many destructive and negative effects on the loss of the medical field and has caused a negative deviation in the performance of this insurance field.
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