探索对医疗保险公司的信任:从注册者的感知和经验中获得的见解
Frank J P van der Hulst1, Sanne Huijgen1, Anne E M Brabers1
1Nivel, The Netherlands Institute for Health Services Research, P.O. Box 1568, 3500 BN Utrecht, The Netherlandss.huijgen@nivel.nl (S.H.); j.dejong@nivel.nl (J.D.d.J.).
Journal of market access & health policy
|June 26, 2025
概括
对荷兰医疗保险公司的信任很低,人们的看法受利动机和负面经历的影响. 提高他们角色的透明度和沟通对于重建入学者的信心至关重要.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 卫生经济学 卫生经济学
- 医疗保健中的消费者行为
背景情况:
- 管理竞争是德国,瑞士和荷兰等国家的关键医疗保健系统特征.
- 荷兰对医疗保险公司的信任不高可能源于人们认为利动机,负面经历,媒体描绘和对其职能的误解.
研究的目的:
- 探索荷兰招生人员对健康保险公司的看法.
- 确定导致这些观念的因素,特别是在信任方面.
主要方法:
- 进行了半结构化采访,与来自Nivel荷兰医疗保健消费者小组的17名参与者进行了采访.
- 采用布朗和克拉克的六步方法,用于定性数据的感应主题分析.
主要成果:
- 登记者通常对保险公司的财务管理和护理准入持积极态度.
- 人们担心保险公司将利和成本降低放在个人需求之上,导致不满.
- 负面经验和媒体报道极大地影响了对医疗保险公司的看法.
结论:
- 医疗保险公司应提高其非营利性地位,福利利用和购买决策的透明度.
- 建议对财务义务和保险公司对医疗保健的更广泛贡献进行更清晰的沟通.
- 建立信任要求保险公司积极展示他们对护理可访问性,质量,公平成本分配,指导和预防的承诺.
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