The meeting of the senior managers of the insurance industry with the health commission
According to the financial news report, citing the public relations of the Iranian Insurers’ Syndicate, in this meeting, Secretary General of the Insurers’ Syndicate Pourkiani, while presenting statistics on production insurance premiums, the number of issued insurance policies and registered losses in the insurance industry and the medical field, challenged brought up issues and problems in the field of treatment.
He emphasized: According to the article 30 of the addition of certain articles to the law regulating part of the government regulations, 10% of the third-party field insurance premium is paid to the Ministry of Health, which is more than 4 hemats in 1401 and about 5 hemats in 1402. While insurance companies, as the main payers, are not aware of the allocation and performance of these duties.
In the following, Pour Kiani said about the challenges of the insurance industry: The average life expectancy in the world has increased by almost 23 years during the last 60 years, from 1955 to 2020, the average life expectancy in the world has increased from 49.4 to 72.3. The year increased, which in our country was even higher than the global average. With increasing age, age-related diseases and chronic diseases play an important role in the individual insurance market, and usually hospital and specialized care in the final years of life are raised as the main part of the health care system costs, the increase of these costs may need to be provided increase public finance from the government and as a result, related insurance premiums will also increase, and on the other hand, commercial insurance companies should also consider this point in risk assessment and presenting new plans.
Secretary General of the Insurers’ Syndicate issues such as the lack of a clear boundary between the services and obligations of the basic and supplementary insurers, the sharp increase in health system costs, the increase in service tariffs throughout the year, the elimination of preferential currency, the entry of new and expensive technologies into the health market, the high share of damages compared to Production insurance premium in treatment, high share of unreal damages and violation and fraud in supplementary insurances, existence of conflict in some guidelines of basic and commercial insurers and leading to multiplicity and abuse of some contracting party centers, lack of strategic service purchasing unit guidelines From the medical centers, non-private medical sectors not providing appropriate services, refusal of some medical centers to conclude contracts with supplementary insurance companies and the influence of commercial insurances on the rules and guidelines of the Ministry of Health and Basic Insurance and their absence in decision-making authorities as Introduced the main challenges of this field.
In the end, Pour Kiani presented suggestions from the insurers’ syndicate on the necessity of establishing an integrated medical system in the country for the presence and use of all stakeholders, including hospitals, pharmacies, laboratories, doctors, insurers and commercial insurance institutions in this system. He emphasized to do all the medical work.