THE ACTION AND DIFFUCULTY OF SUPPLEMENTAL HEALTH INSURANCE IN PRIVATE HOSPITALS

Özet

Tamamlayıcı sağlık sigortası, genel sağlık sigortası tarafından teminat altına alınmayan

Abstract

Supplemental health insurance is an utilization policy of health care services, that is covered by insurance with private health insurance and not need any additional charge, which is not guaranteed by general health insurance or the guaranteed ones that requires additional payment. Supplemental health insurance is an optional insurance policy for people who pay the additional payment. The aim of this study is determining the process of the benefits, problems and the losses of supplemental health insurance in private health institutions in Turkey. This study is identified as a qualitative research with competent senior executives of 5 insurance companies with individual in-depth interviews. The findings of the study are, Supplemental Health Insurance is a beneficial type of insurance that facilitates health access without payment in private health care institutions that SGK does not pay or getting health services which are called luxury services. It has been said that developments of supplemental health insurance will present with the innovations which Social Security Institution made or will make over time, but still in its infancy, and will develop with the legal and practical arrangements which it would then become beneficial.