توسعه و سرمایه

توسعه و سرمایه

خدمات سلامت ارائه شده به سالمندان در چارچوب بیمه‌های عمر: مرور نظام‌مند متون

نوع مقاله : مقاله پژوهشی

نویسندگان
1 گروه علوم اقتصادی، واحد خمینی‌شهر، دانشگاه آزاد اسلامی، خمینی‌شهر، ایران.
2 گروه علوم اقتصادی، واحد اصفهان (خوراسگان)، دانشگاه آزاد اسلامی، اصفهان، ایران.
10.22103/jdc.2025.25898.1573
چکیده
هدف: افزایش جمعیت سالمند و پیچیدگی نیازهای مراقبت سلامت آنان، چالش‌های نوینی را برای نظام‌های بیمه‌ای ایجاد کرده است. بیمه‌های عمر، به‌عنوان یکی از منابع مهم تأمین مالی پایدار، در حال تحول برای پاسخ‌گویی به این نیازها هستند. این مطالعه با هدف بررسی خدمات سلامت ارائه‌شده به سالمندان در چارچوب بیمه‌های عمر انجام شد.
 
روش: پژوهش حاضر یک مرور نظام‌مند متون است که با جستجو در پایگاه‌های Web of Science، Scopus و PubMed انجام گرفت. جستجو با استفاده از کلیدواژه‌های مرتبط با بیمه عمر و سلامت سالمندان در بازه زمانی 2000 تا 2024 صورت پذیرفت. از میان 5463 مقاله بازیابی‌شده، پس از حذف موارد تکراری و بررسی عنوان و چکیده، 214 مقاله برای بررسی متن کامل انتخاب شدند و در نهایت 41 مقاله که معیارهای ورود را داشتند، وارد تحلیل نهایی گردیدند.
 
یافته‌ها: یافته‌ها در چهار محور دسته‌بندی شد: 1) مدل‌های بیمه‌ای (مراقبت طولانی‌مدت، محصولات ترکیبی و نوآورانه) 2) پوشش مالی و کاهش هزینه‌ها (مانند کاهش 3/26 درصد هزینه بستری) 3) خدمات گروه‌های خاص (زنان، بیماران مزمن) 4) پیامدهای مثبت (افزایش6/62 درصد نرخ بقا، کاهش مراقبت خانوادگی و گذار به مراقبت اجتماع‌محور).
 
نتیجه‌گیری: ادغام خدمات سلامت در بیمه‌های عمر راهکاری مؤثر برای پاسخ به نیازهای سالمندان است که نیازمند طراحی نظام‌های بیمه‌ای با ویژگی‌های کلیدی پایداری مالی، انعطاف‌پذیری، عدالت و حمایت از مراقبت اجتماع‌محور است.
کلیدواژه‌ها
موضوعات

سلیمانی، فرهام؛ اولیاء، محمد صالح؛ لطفی، محمد مهدی و کاردگر، ابراهیم (1401). تحلیل عوامل مؤثر بر افزایش سهم بیمۀ عمر و پس‌انداز با رویکرد پویایی‌شناسی سیستم‌ها. پژوهش در مدیریت تولید و عملیات، 13(3)، 99-135. DOI: 10.22108/pom.2022.132890.1434.
طاهری زاده اناری پور، جواد؛ منصف، عبدالعلی؛ معلمی، مژگان؛ بیابانی، جهانگیر و نجاتی، مهدی (1402). اثر نااطمینانی‌تورم بر شادی در کشورهای توسعه‌یافته و در حال‌ توسعه. مجله توسعه و سرمایه، 8(2)، 1-29. DOI: 10.22103/jdc.2023.19861.1274.
فرهنگ، امیرعلی (1401). اثرات ساختار مالی بر امید به زندگی (رهیافت Cup-FM). مجله توسعه و سرمایه، 7(1)، 121-134. 121-134        DOI: 10.22103/jdc.2022.19233.1221.
هاشمی دیزج، عبدالرحیم؛ حاضری نیری، هاتف و صمدزاده، سعید (1401). تأثیر سیاست پولی بر تورم کشورهای درحال توسعه نفتی و کشورهای توسعه‌یافته. مجله توسعه و سرمایه، 7(2)، 213-232. DOI: 10.22103/jdc.2022.19276.1230.

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