{"title":"沙特最新医疗保险政策的效果:实施前后 4 年对比研究","authors":"Abdulmajeed Saad AlHadlaq","doi":"10.1002/wmh3.603","DOIUrl":null,"url":null,"abstract":"This study examines the impact of Saudi Arabia's updated Unified Health Insurance Policy, implemented in 2018, over a 4-year period. The objective is to assess its effects on key indicators in the health insurance sector, including gross written premiums (GWPs), insurance penetration, gross claims paid by health insurance, and insurance density. Quantitative data from official sources, including the Saudi Central Bank and the Council of Health Insurance (CHI), were analyzed. A two-sample <i>t</i>-test was employed to compare pre implementation (2014–2017) and post implementation (2019–2022) periods for selected indicators. The study found a significant increase in GWPs, suggesting heightened revenue generation for insurers, likely due to increased demand, adjusted pricing strategies, and expanded coverage. Insurance penetration notably widened, indicating improved accessibility, driven by awareness campaigns and subsidies. Gross claims paid by health insurance increased significantly, showing insurers disbursing more funds to cover healthcare costs. However, there was no significant impact on insurance density, highlighting the need for additional strategies to extend coverage. Saudi Arabia's updated Unified Health Insurance Policy has yielded transformative effects, enhancing accessibility and affordability. It has increased revenue generation, improved insurance penetration, and raised the amount paid by insurers to cover healthcare costs. The policy's impact on insurance density is limited, necessitating further efforts to extend coverage. These findings have significant policy implications, urging policymakers to refine healthcare policies and insurers to adapt to new revenue prospects, promising better overall health outcomes for the population. Further comprehensive research is essential to validate these conclusions and explore broader policy impacts.","PeriodicalId":44943,"journal":{"name":"World Medical & Health Policy","volume":"18 1","pages":""},"PeriodicalIF":1.7000,"publicationDate":"2024-01-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Effect of Saudi's updated health insurance policy: 4-Year comparative study pre and post implementation\",\"authors\":\"Abdulmajeed Saad AlHadlaq\",\"doi\":\"10.1002/wmh3.603\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"This study examines the impact of Saudi Arabia's updated Unified Health Insurance Policy, implemented in 2018, over a 4-year period. The objective is to assess its effects on key indicators in the health insurance sector, including gross written premiums (GWPs), insurance penetration, gross claims paid by health insurance, and insurance density. Quantitative data from official sources, including the Saudi Central Bank and the Council of Health Insurance (CHI), were analyzed. A two-sample <i>t</i>-test was employed to compare pre implementation (2014–2017) and post implementation (2019–2022) periods for selected indicators. The study found a significant increase in GWPs, suggesting heightened revenue generation for insurers, likely due to increased demand, adjusted pricing strategies, and expanded coverage. Insurance penetration notably widened, indicating improved accessibility, driven by awareness campaigns and subsidies. Gross claims paid by health insurance increased significantly, showing insurers disbursing more funds to cover healthcare costs. However, there was no significant impact on insurance density, highlighting the need for additional strategies to extend coverage. Saudi Arabia's updated Unified Health Insurance Policy has yielded transformative effects, enhancing accessibility and affordability. It has increased revenue generation, improved insurance penetration, and raised the amount paid by insurers to cover healthcare costs. The policy's impact on insurance density is limited, necessitating further efforts to extend coverage. These findings have significant policy implications, urging policymakers to refine healthcare policies and insurers to adapt to new revenue prospects, promising better overall health outcomes for the population. Further comprehensive research is essential to validate these conclusions and explore broader policy impacts.\",\"PeriodicalId\":44943,\"journal\":{\"name\":\"World Medical & Health Policy\",\"volume\":\"18 1\",\"pages\":\"\"},\"PeriodicalIF\":1.7000,\"publicationDate\":\"2024-01-28\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"World Medical & Health Policy\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1002/wmh3.603\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"PUBLIC, ENVIRONMENTAL & OCCUPATIONAL HEALTH\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"World Medical & Health Policy","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1002/wmh3.603","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"PUBLIC, ENVIRONMENTAL & OCCUPATIONAL HEALTH","Score":null,"Total":0}
引用次数: 0
摘要
本研究探讨了沙特阿拉伯于 2018 年实施的更新版统一医疗保险政策在 4 年内的影响。目的是评估该政策对医疗保险部门关键指标的影响,包括总承保保费(GWPs)、保险渗透率、医疗保险支付的总赔付额和保险密度。我们分析了来自沙特中央银行和医疗保险委员会(CHI)等官方来源的定量数据。采用双样本 t 检验对选定指标的实施前(2014-2017 年)和实施后(2019-2022 年)进行比较。研究发现,GWPs 大幅增加,表明保险公司的创收能力增强,这可能是由于需求增加、定价策略调整和覆盖范围扩大。保险渗透率明显提高,表明在宣传活动和补贴的推动下,可获得性得到改善。医疗保险支付的总赔款大幅增加,表明保险公司支付了更多资金来支付医疗费用。然而,这对保险密度没有产生重大影响,突出表明需要采取更多战略来扩大覆盖范围。沙特阿拉伯更新后的统一医疗保险政策产生了变革性影响,提高了可及性和可负担性。该政策增加了创收,提高了保险渗透率,并增加了保险公司支付医疗费用的金额。该政策对保险密度的影响有限,需要进一步努力扩大覆盖范围。这些发现具有重要的政策意义,敦促政策制定者完善医疗保健政策,敦促保险公司适应新的创收前景,从而有望改善人口的总体健康状况。进一步的综合研究对于验证这些结论和探索更广泛的政策影响至关重要。
Effect of Saudi's updated health insurance policy: 4-Year comparative study pre and post implementation
This study examines the impact of Saudi Arabia's updated Unified Health Insurance Policy, implemented in 2018, over a 4-year period. The objective is to assess its effects on key indicators in the health insurance sector, including gross written premiums (GWPs), insurance penetration, gross claims paid by health insurance, and insurance density. Quantitative data from official sources, including the Saudi Central Bank and the Council of Health Insurance (CHI), were analyzed. A two-sample t-test was employed to compare pre implementation (2014–2017) and post implementation (2019–2022) periods for selected indicators. The study found a significant increase in GWPs, suggesting heightened revenue generation for insurers, likely due to increased demand, adjusted pricing strategies, and expanded coverage. Insurance penetration notably widened, indicating improved accessibility, driven by awareness campaigns and subsidies. Gross claims paid by health insurance increased significantly, showing insurers disbursing more funds to cover healthcare costs. However, there was no significant impact on insurance density, highlighting the need for additional strategies to extend coverage. Saudi Arabia's updated Unified Health Insurance Policy has yielded transformative effects, enhancing accessibility and affordability. It has increased revenue generation, improved insurance penetration, and raised the amount paid by insurers to cover healthcare costs. The policy's impact on insurance density is limited, necessitating further efforts to extend coverage. These findings have significant policy implications, urging policymakers to refine healthcare policies and insurers to adapt to new revenue prospects, promising better overall health outcomes for the population. Further comprehensive research is essential to validate these conclusions and explore broader policy impacts.