Analysis of the Use and Satisfaction of the Private Health Insurance Packages

Abstract

Aim: The aim of the study was to study obligatory and voluntary health insurance principles, to identify a relation between, their cost and insureds’ satisfaction and to develop the recommendations based on the results.

Methods:Within the framework of bachelor’s thesis, a descriptive study was conducted by processing the data of one of the Georgian private insurance company. The study provided: a) comparison and analysis of the mandatory and voluntary health insurance packages; b) study the insureds’ satisfaction trough considering the same criteria. Satisfaction study conducted through the telephone survey, participated 268 respondents. Questionnaire included the qualitative and quantitative questions, by questions of structured questionnaire should be assessed insureds’ opinion about appropriateness between the cost of package and its content.

Results: The health insurance services and limits of the corporation with obligatory health insurance and large amount of insureds (employer pays the cost of basic package, the large amount of the insureds created, implemented pooling) are better and the price of insurance is lower than in the corporation where the insurance is voluntary, also satisfaction among employees of such corporation is higher.

Conclusion: Research shows that the employer, through its financial participation and the implementation of the obligatory health insurance in the corporation, provides an opportunity for employees to offer customers health insurance on better terms at lower prices, which creates a better social background within the organization; provides greater access to medical care and better health conditions for employees.