COVID-19’un Sağlık Sigortası Sektörüne Etkisi
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Dosyalar
Tarih
2023
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Aksaray Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Sağlık sigortacılığı sektöründe; Türkiye’de COVID-19 nedeniyle oluşan değişimlerin ortaya konmasını amaçlamaktadır. Yöntem: Sağlık sigorta sektöründe meydana gelen değişikliklerin tespiti için yetkili kurumların web sayfalarından 2017-2021 yıllarını kapsayan ikincil veriler elde edilerek içerik analizi yapılmıştır. Bulgular: Pandemi başlangıcı öncesi ve sonrası iki yıllık periyotların ele alınması ile farklılıkların ortaya konabileceği düşünülmüş ve 2018-2019-2020-2021 yılı genel sağlık sigorta verileri ile özel sağlık sigortası verilerine bakılmıştır. Şirketlerin teknik kârlılık düzeylerinde bir etkilenme söz konusu olmasa da özel sigortalarda poliçe üretim sayısında bir azalma meydana geldiği gözlenmiştir. Sonuç: Özel sağlık sektörü ve genel sağlık sigortası kapsamlarının genişletilmesi ile COVID-19’un meydana getirdiği risk durumu en az hasarla atlatılmış olarak değerlendirilebilir. Olağanüstü hallerde karşılaşılan durumların ekonomik çıktılarının ortaya konması sonraki dönemler için alternatif çözüm yolları oluşturulması açısından önemli görülmeli ve her yönden analiz edilmelidir.
Health insurance is a structure in which the health risks of individuals are shared through premium payment. The COVID-19 pandemic, which has affected the whole world, has led to many changes in health insurance. The aim of the study is to reveal the changes in health insurance due to COVID-19 in Turkey. The working hypothesis is that the COVID-19 process has led to changes in public and private health insurance. In order to determine the changes in the health insurance sector, secondary data covering the years 2017-2020 were obtained from the websites of the authorized institutions and a content analysis was carried out. Considering the two-year periods before and after the pandemic, differences were revealed, and the general health insurance data and private health insurance data for the years 2017-2018- 2019-2020-2021 were examined. It is seen that there is no decrease in the number of insured in terms of general health insurance, while there is a decrease in the number of policies in private health insurances, there is no contraction in the sector. For the next periods, health services are heavily shifted to this area due to COVID-19; it can be predicted that it may result in an increase in the burden of disease in terms of delayed demands, especially in chronic diseases. Situations encountered in extraordinary situations should be analyzed from all aspects in order to create alternative solutions for the following periods.
Health insurance is a structure in which the health risks of individuals are shared through premium payment. The COVID-19 pandemic, which has affected the whole world, has led to many changes in health insurance. The aim of the study is to reveal the changes in health insurance due to COVID-19 in Turkey. The working hypothesis is that the COVID-19 process has led to changes in public and private health insurance. In order to determine the changes in the health insurance sector, secondary data covering the years 2017-2020 were obtained from the websites of the authorized institutions and a content analysis was carried out. Considering the two-year periods before and after the pandemic, differences were revealed, and the general health insurance data and private health insurance data for the years 2017-2018- 2019-2020-2021 were examined. It is seen that there is no decrease in the number of insured in terms of general health insurance, while there is a decrease in the number of policies in private health insurances, there is no contraction in the sector. For the next periods, health services are heavily shifted to this area due to COVID-19; it can be predicted that it may result in an increase in the burden of disease in terms of delayed demands, especially in chronic diseases. Situations encountered in extraordinary situations should be analyzed from all aspects in order to create alternative solutions for the following periods.
Açıklama
Anahtar Kelimeler
COVID-19, Sağlık Sigortası, Özel Sağlık Sigortası, Health Insurance, Private Health Insurance
Kaynak
Aksaray Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi
WoS Q Değeri
Scopus Q Değeri
Cilt
15
Sayı
1
