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Private Insurance Preferences of Household in Turkey

Yıl 2020, Cilt: 4 Sayı: 1, 33 - 40, 23.03.2020

Öz

In this study, private insurance preferences of households comprising of inhabitants of Turkey and factors affecting this choice have been investigated. Logit method has been used in the analysis which has been carried out by employing data of TURKSTAT household budget survey. According to findings, factors increasing the probability of having private insurance are family structure, number of automobile and income. On the other hand, home ownership, size of the household and, presence of the individual with a smoking habit in the household have been determined as the factors reducing the possibility of having private insurance. Therefore, some suggestions have been made for insurance companies to concentrate on households with high probability of purchasing private insurance, and for government to implement incentive policies for households with low probability

Kaynakça

  • Besley, T., Hall, J., & Preston, I. (1999). The demand for private health insurance: do waiting lists matter?. Journal of public economics, 72(2), 155-181.
  • Cameron, A. C., & Trivedi, P. K. (2005). Microeconometrics: methods and applications. Cambridge university press.
  • Demirci, S., & Astar, M. (2011). Türkiye’de Özel Sigortayi Etkileyen Faktörler: Logit Modeli. Trakya Üniversitesi Sosyal Bilimler Dergisi, 13(2), 119-129.
  • Grislain-Letrémy, C., & Calvet, L. (2011). Why Do Half of Households in the French Overseas Departments Not Purchase House Insurance? (No. urn: hdl: 123456789/9532). Université Paris-Dauphine.
  • Jofre-Bonet, M. (2000). Public health care and private insurance demand: the waiting time as a link. Health Care Management Science, 3(1), 51-71.
  • Liu, T. C., & Chen, C. S. (2002). An analysis of private health insurance purchasing decisions with national health insurance in Taiwan. Social science & medicine, 55(5), 755-774.
  • Rask, K. N., & Rask, K. J. (2000). Public insurance substituting for private insurance: new evidence regarding public hospitals, uncompensated care funds, and Medicaid. Journal of Health Economics, 19(1), 1-31.
  • Wang, M., Liao, C., Yang, S., Zhao, W., Liu, M., & Shi, P. (2012). Are people willing to buy natural disaster insurance in China? Risk awareness, insurance acceptance, and willingness to pay. Risk Analysis: An International Journal, 32(10), 1717-1740.
  • Williams, C.A. ve Heins, R.M. (1985), Risk management and insurance, McGraw-Hill.
  • Williams, R. (2012), “Using the Margins Command to Estimate and Interpret Adjusted Predictions and Marginal Effects”, Stata Journal, 12(2), 308-331.

Türkiye’de Hanehalkının Özel Sigorta Tercihleri

Yıl 2020, Cilt: 4 Sayı: 1, 33 - 40, 23.03.2020

Öz

Bu çalışmada Türkiye’de ikamet eden bireylerin içinde bulunduğu hanehalkının özel sigorta tercihi ve bu tercihi etkileyen faktörler incelenmiştir. TÜİK Hanehalkı bütçe anketi verileri kullanılarak yapılan analizde Logit yöntemi kullanılmıştır. Elde edilen bulgulara göre aile yapısı, otomobil sayısı ve gelir özel sigorta sahibi olma ihtimalini artırmaktadır. Ev sahipliği, hanede sigara alışkanlığı olan bireyin bulunması ve hanede yaşayan birey sayısı özel sigorta sahibi olma ihtimalini azaltan etkenler olarak belirlenmiştir. Sigorta firmalarına özel sigorta alma ihtimali yüksek olan hanelere yoğunlaşmaları ve devlete ise özel sigorta satın alma ihtimali düşük olan hanelerin bu ürünü satın alması için teşvik edici politikaları uygulaması önerilerinde bulunulmuştur.

Kaynakça

  • Besley, T., Hall, J., & Preston, I. (1999). The demand for private health insurance: do waiting lists matter?. Journal of public economics, 72(2), 155-181.
  • Cameron, A. C., & Trivedi, P. K. (2005). Microeconometrics: methods and applications. Cambridge university press.
  • Demirci, S., & Astar, M. (2011). Türkiye’de Özel Sigortayi Etkileyen Faktörler: Logit Modeli. Trakya Üniversitesi Sosyal Bilimler Dergisi, 13(2), 119-129.
  • Grislain-Letrémy, C., & Calvet, L. (2011). Why Do Half of Households in the French Overseas Departments Not Purchase House Insurance? (No. urn: hdl: 123456789/9532). Université Paris-Dauphine.
  • Jofre-Bonet, M. (2000). Public health care and private insurance demand: the waiting time as a link. Health Care Management Science, 3(1), 51-71.
  • Liu, T. C., & Chen, C. S. (2002). An analysis of private health insurance purchasing decisions with national health insurance in Taiwan. Social science & medicine, 55(5), 755-774.
  • Rask, K. N., & Rask, K. J. (2000). Public insurance substituting for private insurance: new evidence regarding public hospitals, uncompensated care funds, and Medicaid. Journal of Health Economics, 19(1), 1-31.
  • Wang, M., Liao, C., Yang, S., Zhao, W., Liu, M., & Shi, P. (2012). Are people willing to buy natural disaster insurance in China? Risk awareness, insurance acceptance, and willingness to pay. Risk Analysis: An International Journal, 32(10), 1717-1740.
  • Williams, C.A. ve Heins, R.M. (1985), Risk management and insurance, McGraw-Hill.
  • Williams, R. (2012), “Using the Margins Command to Estimate and Interpret Adjusted Predictions and Marginal Effects”, Stata Journal, 12(2), 308-331.
Toplam 10 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Bölüm Makaleler
Yazarlar

İsmail Şentürk 0000-0001-7330-6690

Yayımlanma Tarihi 23 Mart 2020
Kabul Tarihi 23 Mart 2020
Yayımlandığı Sayı Yıl 2020 Cilt: 4 Sayı: 1

Kaynak Göster

APA Şentürk, İ. (2020). Türkiye’de Hanehalkının Özel Sigorta Tercihleri. Enderun, 4(1), 33-40.