Demand for Self-Employed Health Insurance/ Serbest Meslek Calisanlari Icin Saglik Sigortasi Talebi

Objective: Health insurance provides financial support for health care expenditures. There are two types of health insurance: compulsory and voluntary. Voluntary health insurance can be divided into two categories: self-employed and supplementary. In this study the main factors that affect the demand for self-employed health insurance in Iran were determined. Materials and Methods: In this cross-sectional study, data were derived from the 2013 Household Income and Expenditure Survey from the Statistical Center of Iran. Then, a logistic regression model was designed to determine the factors influencing health insurance demand. Results: The age, income, and education level of the head of the household directly correlated with the demand for self-employed health insurance. There was no significant relationship between the demand for health insurance and the gender or marital status of the head of the household. In addition, there were no significant relationships between occupation or house ownership and the demand for health insurance in rural households. Conclusion: To promote voluntary health insurance, it is helpful to identify effective factors that stimulate the health insurance demand. Keywords: Income, gender, household size, logistic model, voluntary health insurance Amac: Saglik sigortasi saglik bakimi harcamalari icin maddi destek saglar. Iki tip saglik sigortasi vardir: zorunlu ve istege bagli saglik sigortasi. Istege bagli sigorta iki kategoriye ayrilabilir: serbest meslek ve tamamlayici sigorta. Bu calismada, Iran'da serbest meslek calisanlari icin saglik sigortasi talebini etkileyen temel faktorler belirlenmistir. Gerec ve Yontem: Bu calismadaki veriler, Iran Istatistik Merkezi'nin 2013 Hane Halki Gelir ve Gider Anketinden elde edildi. Daha sonra Stata 12 programi kullanilarak lojistik regresyon modeli olusturuldu. Bulgular: Aile reisinin yasi, geliri ve egitim seviyesinin serbest meslek saglik sigortasi talebi ile dogrudan iliskili oldugu bulundu. Saglik sigortasi talebi ile aile reisinin cinsiyeti veya medeni durumu arasinda anlamli bir iliski yoktu. Ayrica, kirsal bolgelerde meslek veya ev sahipligi ile saglik sigortasi talebi arasinda da anlamli bir iliski bulunmadi. Sonuc: Istege bagli saglik sigortasini tesvik etmek icin, saglik sigortasi talebini artiran faktorleri belirlemek faydalidir. Anahtar Kelimeler: Ekonomi, lojistik model, istege bagli saglik sigortasi