Satisfaction of Supplementary Insurance and Medical Services during Trips in War Survivors and their Families

Abstract

Introduction: During trips the imposed costs are aggravated due to time and financial limits, not being familiar with treatment centers that are covered by the insurances and charges for accommodation. Insurance, especially supplementary treatment services insurance can be an appropriate solution to decrease these costs. These kinds of insurances cover a range of services including outpatient services to hospitalization and even sometimes unlimited services. The purpose of this study was to evaluate the satisfaction of war survivors and their families under the cover of supplementary insurance from medical care during trips. Methods: This study was cross -sectional descriptive. The size of studied population was 77 people from war survivors and their families who were assessed by a provided questionnaire in 2015. The including criteria was war survivors and their families under the cover of Veterans and Martyrs Affair Foundation (VMAF) and supplementary insurance war survivors. The prepared questionnaire included two sections; the first section was included the personal indications and the second section included satisfaction evaluations. Results: The prevalence of using medical care during trips in war survivors and their families was 2.72% and using medical care with supplemental insurance in trips was 1.5%. The obtained results from the questionnaires revealed that the highest satisfaction on medical care services and its distance belongs to the veterans' families with the mean of 4.57and 4.27, respectively. In the subject of taking back the costs, martyrs' families were the least satisfied with the mean of 2.17. A significant relationship was found between sex and distance of the medical care services in trips (p=0.046). Men had more satisfaction compared to women. Finally it can be mentioned that there was not a significant relationship between client group and distance of medical care services during trips (p=0.067). Conclusion: According to the results, affording the costs and paying them back by the insurance company needs modifications.

Health Care Utilization and Expenditure in War Survivors

“…The health system can help the insured by facilitating the rules on insurance repayment. 35 The higher the expense, the more likely it was to be reclaimed. This was more observed for hospital admission and medication as shown in Table 2.…”

“…There are few articles about satisfaction of medical services among Iranian survivors of the war. 2,3 Despite many published papers about injured victims, there has been no inclusive study on health care utilization in this population.…”

The Households Health Spending and Impoverishment: A Study After Iran's Health Transformation Plan

“…It is needed for most households to get covered with that and in this regard, governmental organization should support households. Most of the studies confirmed the protective effect of supplementary insurance (27)(28)(29).…”

Healthcare Utilization and Expenditures among Iranian Chemical Warfare Survivors Exposed to Sulfur Mustard

“…There are few studies about the utilization of medical/health services among chemical warfare survivors. 10,11 There has been no inclusive study on the healthcare utilization (HCU) and costs of HC in chemical warfare injuries. On the other hand, the medical costs imposed due to chemical warfare exposure are expected to increase over time.…”