Main Determinants of Supplementary Health Insurance Demand: (Case of Iran)

INTRODUCTION: In the majority of developing countries, the volume of medical insurance services, provided by social insurance organizations is inadequate. Thus, supplementary medical insurance is proposed as a means to address inadequacy of medical insurance. Accordingly, in this article, we attempted to provide the context for expansion of this important branch of insurance through identification of essential factors affecting demand for supplementary medical insurance. METHOD: In this study, two methods were used to identify essential factors affecting choice of supplementary medical insurance including Classification and Regression Trees (CART) and Bayesian logit. To this end, Excel® software was used to refine data and R® software for estimation. The present study was conducted during 2012, covering all provinces in Iran. Sample size included 18,541 urban households, selected by Statistical Center of Iran using 3-stage cluster sampling approach. In this study, all data required were collected from the Statistical Center of Iran. RESULTS: In 2012, an overall 8.04 of the Iranian population benefited from supplementary medical insurance. Demand for supplementary insurance is a concave function of age of the household head, and peaks in middle-age when savings and income are highest. The present study results showed greater likelihood of demand for supplementary medical insurance in households with better economic status, higher educated heads, female heads, and smaller households with greater expected medical expenses, and household income is the most important factor affecting demand for supplementary medical insurance. CONCLUSION: Since demand for supplementary medical insurance is hugely influenced by households' economic status, policy-makers in the health sector should devise measures to improve households' economic or financial access to supplementary insurance services, by identifying households in the lower economic deciles, and increasing their financial ability to pay. Moreover, insurance companies should adjust their insurance policy according to clients' needs, household characteristics, and their incomes

Asymmetric Information in Iranian's Health Insurance Market: Testing of Adverse Selection and Moral Hazard

BACKGROUND: Asymmetric information is one of the most important issues in insurance market which occurred due to inherent characteristics of one of the agents involved in insurance contracts; hence its management requires designing appropriate policies. This phenomenon can lead to the failure of insurance market via its two consequences, namely, adverse selection and moral hazard. OBJECTIVE: This study was aimed to evaluate the status of asymmetric information in Iran's health insurance market with respect to the demand for outpatient services. MATERIALS/PATIENTS AND METHODS: This research is a cross sectional study conducted on households living in Iran. The data of the research was extracted from the information on household's budget survey collected by the Statistical Center of Iran in 2012. In this study, the Generalized Method of Moment model was used and the status of adverse selection and moral hazard was evaluated through calculating the latent health status of individuals in each insurance category. To analyze the data, Excel, Eviews and stata11 software were used. RESULTS: The estimation of parameters of the utility function of the demand for outpatient services (visit, medicine, and Para-clinical services) showed that households were more risk averse in the use of outpatient care than other goods and services. After estimating the health status of households based on their health insurance categories, the results showed that rural-insured people had the best health status and people with supplementary insurance had the worst health status. In addition, the comparison of the conditional distribution of latent health status approved the phenomenon of adverse selection in all insurance groups, with the exception of rural insurance. Moreover, calculation of the elasticity of medical expenses to reimbursement rate confirmed the existence of moral hazard phenomenon. CONCLUSIONS: Due to the existence of the phenomena of adverse selection and moral hazard in most of health insurances categories, policymakers need to adjust contracts so that to reduce these phenomena. Given the importance of financing, the presence of such problems can lead to less coverage of health insurance provided by insurers, loss of contracts with health care institutions and service providers, and lower quality of health services

Hemoglobin Q-Iran detected in family members from Northern Iran: a case report

<p>Abstract</p> <p>Introduction</p> <p>Hemoglobin Q-Iran (α75Asp→His) is an important member of the hemoglobin Q family, molecularly characterized by the replacement of aspartic acid by histidine. The first report of hemoglobin Q-Iran and the nomenclature of this hemoglobinopathy dates back to 1970. Iran is known as a country with a high prevalence of α- and β-thalassemia and different types of hemoglobinopathy. Many of these variants are yet to be identified as the practice of molecular laboratory techniques is limited in this part of the world. Applying such molecular methods, we report the first hemoglobin Q-Iran cases in Northern Iran.</p> <p>Case presentation</p> <p>An unusual band was detected in an isoelectric focusing test and cellulose acetate electrophoresis of a sample from a 22-year-old Iranian man from Mazandaran Province. Capillary zone electrophoresis analysis identified this band as hemoglobin Q. A similar band was also detected in his mother's electrophoresis (38 years, Iranian ethnicity). The cases underwent molecular investigation and the presence of a hemoglobin Q-Iran mutation was confirmed by the amplification refractory mutation system polymerase chain reaction method. Direct conventional sequencing revealed a single guanine to cytosine missense mutation (c.226G > C; <it>G</it>AC ><it>C</it>AC) at codon 75 in the α-globin gene in both cases.</p> <p>Conclusion</p> <p>The wide spectrum and high frequency of nondeletional α-globin mutations in Mazandaran Province is remarkable and seem to differ considerably from what has been found in Mediterranean populations. This short communication reports the first cases of patients with hemoglobin Q found in that region.</p

Two-Scale Kirchhoff Theory: Comparison of Experimental Observations With Theoretical Prediction

We introduce a non-perturbative two scale Kirchhoff theory, in the context of light scattering by a rough surface. This is a two scale theory which considers the roughness both in the wavelength scale (small scale) and in the scales much larger than the wavelength of the incident light (large scale). The theory can precisely explain the small peaks which appear at certain scattering angles. These peaks can not be explained by one scale theories. The theory was assessed by calculating the light scattering profiles using the Atomic Force Microscope (AFM) images, as well as surface profilometer scans of a rough surface, and comparing the results with experiments. The theory is in good agreement with the experimental results.Comment: 6 pages, 8 figure

Structure of the Galaxies in the NGC 80 Group

BV-bands photometric data obtained at the 6-m telescope of the Special Astrophysical Observatory are used to analyze the structure of 13 large disk galaxies in the NGC 80 group. Nine of the 13 galaxies under consideration are classified by us as lenticular galaxies. The stellar populations in the galaxies are very different, from old ones with ages of T>10 Gyrs (IC 1541) to relatively young, with the ages of T<2-3 Gyr (IC 1548, NGC 85). In one case, current star formation is known (UCM 0018+2216). In most of the galaxies, more precisely in all of them more luminous than M(B) -18, two-tiered (`antitruncated') stellar disks are detected, whose radial surface brightness profiles can be fitted by two exponential segments with different scalelengths -- shorter near the center and longer at the periphery. All dwarf S0 galaxies with single-scalelength exponential disks are close companions to giant galaxies. Except for this fact, no dependence of the properties of S0 galaxies on distance from the center of the group is found. Morphological traces of minor merger are found in the lenticular galaxy NGC 85. Basing on the last two points, we conclude that the most probable mechanisms for the transformation of spirals into lenticular galaxies in groups are gravitational ones, namely, minor mergers and tidal interactions.Comment: 24 pages, 9 figures, slightly improved version of the paper published in the December, 2009, issue of the Astronomy Report

AGN-Induced Cavities in NGC 1399 and NGC 4649

We present an analysis of archival Chandra and VLA observations of the E0 galaxy NGC 1399 and the E2 galaxy NGC 4649 in which we investigate cavities in the surrounding X-ray emitting medium caused by the central AGN. We calculate the jet power required for the AGN to evacuate these cavities and find values of ~8x10^{41} erg/s and ~14x10^{41} erg/s for the lobes of NGC 1399 and ~7x10^{41} erg/s and ~6x10^{41} erg/s for those of NGC 4649. We also calculate the k/f values for each cavity, where k is the ratio of the total particle energy to that of electrons radiating in the range of 10 MHz to 10 GHz, and f is the volume filling factor of the plasma in the cavity. We find that the values of k/f for the lobes of NGC 1399 are ~93 and ~190, and those of the lobes of NGC 4649 are ~15000 and ~12000. We conclude that the assumed spectrum describes the electron distribution in the lobes of NGC 1399 reasonably well, and that there are few entrained particles. For NGC 4649, either there are many entrained particles or the model spectrum does not accurately describe the population of electrons.Comment: 8 pages, 2 figures, accepted for publication in MNRA

Search based software engineering: Trends, techniques and applications

© ACM, 2012. This is the author's version of the work. It is posted here by permission of ACM for your personal use. Not for redistribution. The definitive version is available from the link below.In the past five years there has been a dramatic increase in work on Search-Based Software Engineering (SBSE), an approach to Software Engineering (SE) in which Search-Based Optimization (SBO) algorithms are used to address problems in SE. SBSE has been applied to problems throughout the SE lifecycle, from requirements and project planning to maintenance and reengineering. The approach is attractive because it offers a suite of adaptive automated and semiautomated solutions in situations typified by large complex problem spaces with multiple competing and conflicting objectives. This article provides a review and classification of literature on SBSE. The work identifies research trends and relationships between the techniques applied and the applications to which they have been applied and highlights gaps in the literature and avenues for further research.EPSRC and E

A Genetically Encoded AND Gate for Cell-Targeted Metabolic Labeling of Proteins

We describe a genetic AND gate for cell-targeted metabolic labeling and proteomic analysis in complex cellular systems. The centerpiece of the AND gate is a bisected methionyl-tRNA synthetase (MetRS) that charges the Met surrogate azidonorleucine (Anl) to tRNAMet. Cellular protein labeling occurs only upon activation of two different promoters that drive expression of the N- and C-terminal fragments of the bisected MetRS. Anl-labeled proteins can be tagged with fluorescent dyes or affinity reagents via either copper-catalyzed or strain-promoted azide–alkyne cycloaddition. Protein labeling is apparent within 5 min after addition of Anl to bacterial cells in which the AND gate has been activated. This method allows spatial and temporal control of proteomic labeling and identification of proteins made in specific cellular subpopulations. The approach is demonstrated by selective labeling of proteins in bacterial cells immobilized in the center of a laminar-flow microfluidic channel, where they are exposed to overlapping, opposed gradients of inducers of the N- and C-terminal MetRS fragments. The observed labeling profile is predicted accurately from the strengths of the individual input signals

The Tensor-Vector-Scalar theory and its cosmology

Over the last few decades, astronomers and cosmologists have accumulated vast amounts of data clearly demonstrating that our current theories of fundamental particles and of gravity are inadequate to explain the observed discrepancy between the dynamics and the distribution of the visible matter in the Universe. The Modified Newtonian Dynamics (MOND) proposal aims at solving the problem by postulating that Newton's second law of motion is modified for accelerations smaller than ~10^{-10}m/s^2. This simple amendment, has had tremendous success in explaining galactic rotation curves. However, being non-relativistic, it cannot make firm predictions for cosmology. A relativistic theory called Tensor-Vector-Scalar (TeVeS) has been proposed by Bekenstein building on earlier work of Sanders which has a MOND limit for non-relativistic systems. In this article I give a short introduction to TeVeS theory and focus on its predictions for cosmology as well as some non-cosmological studies.Comment: 44 pages, topical review for Classical and Quantum Gravit