title: Insurance companies' point of view toward moral hazard incentives.
abstract: Moral hazards are the result of an expansive range of factors mostly originating in the patients' roles. The objective of the present study was to investigate patient incentives for moral hazards using the experiences of experts of basic Iranian insurance organizations. This was a qualitative research. Data were collected through semi-structured interviews. The study population included all experts of basic healthcare insurance agencies in the City of Isfahan, Iran, who were familiar with the topic of moral hazards. A total of 18 individuals were selected through purposive sampling and interviewed and some criteria such as data reliability and stability were considered. The anonymity of the interviewees was preserved. The data were transcribed, categorized, and then, analyzed through thematic analysis method. Through thematic analysis, 2 main themes and 11 subthemes were extracted. The main themes included economic causes and moral-cultural causes affecting the phenomenon of moral hazards resulted from patients' roles. Each of these themes has some sub-themes. False expectations from insurance companies are rooted in the moral and cultural values of individuals. People with the insurance coverage make no sense if using another person insurance identification or requesting physicians for prescribing the medicines. These expectations will lead them to moral hazards. Individuals with any insurance coverage should consider the rights of insurance agencies as third party payers and supportive organizations which disburden them from economical loads in the time of sickness.
authors.affiliation: PhD Candidate, Department of Pharmacoeconomics and Pharmaceutical Administration, School of Pharmacy, Tehran University of Medical Sciences, Tehran, Iran; School of Pharmacy, Isfahan University of Medical Sciences, Isfahan, Iran.
authors.forename: Elahe
authors.initials: E
authors.lastname: Khorasani
authors.affiliation: Associate Professor, Department of Healthcare Management, Social Determinants of Health Research Center, School of Management and Medical Informatics, Isfahan University of Medical Sciences, Isfahan, Iran.
authors.forename: Mahmoud
authors.initials: M
authors.lastname: Keyvanara
authors.affiliation: PhD Candidate, Department of Health Services Management and Health Policy, Health Management and Economics Research Center, Iran University of medical Sciences, Tehran, Iran.
authors.forename: Manal
authors.initials: M
authors.lastname: Etemadi
authors.affiliation: BSc, Department of Healthcare Management, Isfahan University of Medical Sciences, Isfahan, Iran.
authors.forename: Somayeh
authors.initials: S
authors.lastname: Asadi
authors.affiliation: MSc, Department of Healthcare Management, Isfahan University of Medical Sciences, Isfahan, Iran.
authors.forename: Mahan
authors.initials: M
authors.lastname: Mohammadi
authors.affiliation: MSc, Department of Healthcare Management, Isfahan University of Medical Sciences, Isfahan, Iran.
authors.forename: Maryam
authors.initials: M
authors.lastname: Barati
keywords: Insurance organizations; Moral hazard; Patients