Introduction: Neglecting to define important criteria in developing a Basic Health Insurance Package and to notice their real roles will result in defining a package which is politically unacceptable, non-economical, technically inefficient or mixed of them. Therefore development of Basic Health Insurance Package should be according to appropriate composition of influential criteria. This study was carried out to determining Information Criteria to define Basic Health Insurance Package and their importance.Methods: The study was qualitative, descriptive, and cross-sectional, conducted in 2008. At the first Stage 20 Health insurance experts and involved people were interviewed. At the second stage the notified criteria in these interviews in addition to other criteria, revealed from conceptual study were viewed by experts of Iranian basic health insurance companies (52 People). The first stage data were analyzed in Atlas-Ti and the second stage data were analyzed in SPSS.Results: The revealed criteria from the first stage were classified as 32 criteria in Six groups. Iranian health insurance experts believed that most important factors involved in defining Iranian basic health insurance package were applicability, the view of politic individuals and groups, interventions cost, and patients’ membership in vulnerable patient groups. The study participants indicated cost-effectiveness of services, effectiveness of services, quality of evidence, and equity as the main factors by which the basic health insurance package can be defined appropriately. Conclusion: According to results the current influence of some criteria such as the view of politic individuals and groups, and vulnerable patient groups were much more than their appropriate influence in defining Iranian basic health insurance package. Also some criteria like cost- effectiveness, quality of evidence, long-term sustainability, and safety of manipulations were focused less than what was appropriate for defining the package. According to the results of this study it is suggested that for defining basic health insurance package more appropriately, Cost-effectiveness studies should be facilitated and the results of such studies should replace such criteria like the influence of different groups in defining basic health insurance package.

Introduction: Supplementary health care services are provided to offer health care services beyond existing medical services at a reasonable cost to all members. These supplementary health care services contribute to the health and quality of life of the members and therefore membership provides peace of mind and a sense of security. This study aimed at investigating supplementary health care services packages in selected countries and presenting a model for Iran.Methods: It is a comparative study which was carried out from 1382 to 1383. The countries to be studied were selected based on Garden Division model and Delphi technique was used to present a model for Iran. To collect data, a questionnaire was used. Its validity was approved by experts and test-retest was used to confirm its reliability.Results: The main factor that made people use supplementary health care services was that public health care services do not cover all aspects of health care (89%). Among the organizations responsible for insurance, supreme health council was assigned in. charge of approving supplementary health care services (78%). A decentralized organizational structure was proposed executively for supplementary health care systems while they were suggested to be centralized in policy - making and planning (92.5%).Conclusion: Developing a kind of competition between public and private supplementary health care services may have an important role in enhancing the quality of health care services and improving the consumers' satisfaction.

Introduction: Reliability and tranquility for human in the face of dangers and diseases have a big influence on private life and growth of social and economic society. The common insurance in Iran is health insurance that exists in two kinds:Basic health insurance and complementary insurance. With the growth of technology and high costs of treatment, it seems more appropriate that health insurance is needed in Iran, thus, Iran's health is promoting.Method: Data has been collected from reputable internal and external resources and internet. American's Dollar is used for comparing financial data.Findings: Situation of health system and non-life insurance in Iran have been studied and compared with world, a number of developed countries, Islamic and middle East countries.Discussion: A model for developing health complementary insurance in Iran has been presented.

Introduction: In order to fulfill the health and medical needs of rural people, Iran’s Medical Services Insurance Organization approved a plan to provide rural health insurance in 2005. The plan aimed to make an appropriate context for the activities of private health care service providers in the rural areas and to meet public expectations for access to specialized medical services. In this study, rural health insurance was evaluated using the general justice index.Methods: This was a analytical study which used the comparative method to assess rural health insurance scheme based on general justice. The study compared the average health and medical costs of rural families in three different provinces in 2004 (the year before the project), 2006 and 2007 (after the plan was implemented).Results: Although the rural health insurance plan was expected to significantly lower the average health and medical costs of rural households (as an index to assess the project based on general justice), our results did not reveal such a reduction.Conclusion: A major expectation from the rural health insurance plan was to improve rural general justice. However, this study could not confirm a significant improvement in general justice due to implementation of the plan.

In this paper, we used the models based on Panel Data to determine the factors that affecting demand for supplementary health insurance in Iran. For this purpose, statistics and information about the provinces has been gathered during the period of 1380-1387. The result of Hausman test confirms the compatibility of estimation which based on fixed effects regression model (FEM). According to the results, the per capita income, health expenditures per capita and inflation rate are the most important factors that determining the demand for this branch of insurance.The income elasticity of demand for the supplemental health insurance has been estimated 0.83 that shows this product is a necessary good in the consumption basket of households. Also, the demand elasticity of health expenditures and inflation calculated 0.1 and 0.23 respectively which indicates low elasticity of demand on these variable. In fact, increase in family income plays more fundamental role in the development of health insurance.

The growing diversity of health services, which often costs a lot, and the inability of governments to provide citizens with benefits in all areas of health, clearly show the need for the presence and development of complementary health insurance in the health market. Private supplementary health insurance is usually provided in bulk, voluntarily, and extendable until the end of life. The purpose of this study was to provide solutions to improve the quality of complementary health insurance services and reduce government dependence. The supplementary health insurance function of the second rank of the nongovernmental insurance market also, with the growth of 34.6% is the second highest growth rate in 2015. The coefficient of damage in this sector with 86.1% indicates its profitability in this year. By reviewing the patterns and models presented in the studies, in order to improve the level of health and complementary insurance, solutions were presented in 20 strains. According to the present study, it is recommended to offer various insurance packages considering the age, gender, health status of individuals, geographical status, literacy level, income level, employment status etc.