rdf-syntax-grammar
mods:
  schema location: http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-2.xsd
  title info:
    title: Private health insurance in Malaysia
    sub title: market demand, adverse selection and moral hazard
  name:
    name part: Ramadan, Aisha Elalim
    role:
      role term: creator
  name:
    name part: International Islamic University Malaysia
    name part: Kulliyyah of Economics and Management Sciences
  genre: Theses, IIUM local
  origin info:
    place:
      place term: my
    place:
      place term: Gombak, Selangor
    publisher: Kulliyyah of Economics and Management Sciences, International Islamic University Malaysia
    date issued: 2016
  language:
    language term: eng
  physical description:
    extent: xiv, 167 leaves : ill. ; 30cm.
  abstract: Health contributes to the growth and wellbeing of human capital and thus to the development of nations. The demand for healthcare has led to continued increases in healthcare costs which are projected to increase further. Various factors contribute to healthcare spending including, among others, changes in disease patterns, wealth or GDP growth, lifestyle, technology, and an ageing population. Despite the numerous efforts and commitments made by the Malaysian government, the healthcare costs continue to increase over the years. The continuous increase of out-of-pocket expenditures on healthcare remains a challenge for Malaysians in the presence of a dual nature healthcare system. Besides its main objective of promoting health, private health insurance (PHI) helps in mitigating the financial loss caused if healthcare is needed. Despite its advantage, the penetration of private health insurance is low in Malaysia. This study aims to examine the impact of selected socioeconomic, demographic, health, health-related characteristics on the demand for private health insurance in Malaysia. In addition, the study aims to investigate how private health insurance affects the demand for healthcare utilization in Malaysia. Healthcare utilization is measured using the number of hospital admission and the number of days stayed at the hospital. To fulfill the objectives, the study aims to identify the existence of two situations of inefficiencies in the insurance market, namely; adverse selection and moral hazard. Adverse selection occurs when consumers opt to purchase health insurance based on their expected future healthcare needs. On the other hand, moral hazard is a situation when consumers over utilize healthcare services when they are insured. A national representative cross-sectional data, NHMS 2011 is used for the cross sectional analysis of the demand for private health insurance and healthcare utilization. In the first part of the econometric analysis, a Probit model is a…
  note: by Aisha Elalim Ramadan
  note: Thesis (Ph.D)--International Islamic University Malaysia, 2016.
  note: Includes bibliographical references (leaves 155-164).
  subject:
    geographic code: a-my---
  classification: HG9397.5.M4
  identifier: http://studentrepo.iium.edu.my/handle/123456789/3395
  record info:
    record content source: UIAM
    record creation date: 160520
    language of cataloging:
      language term: eng