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Table 2 Main features of health insurance schemes in Iran (2018)

From: Iran health insurance system in transition: equity concerns and steps to achieve universal health coverage

  IHIO SSO Armed Forces Health Insurance  
Features Government employees Rural residents Universal Coverage Other sectors
Affiliation Governmental Governmental Governmental Governmental Public Non-Governmental Governmental  
Who is insured? Government employees Residents in rural areas and cities less than 20.000 population Self-employed Students, disables, families with injured persons during the war, some professional associations and similar Employees of the formal private sectors, self-employed and voluntary contributors Military personnel and their families  
Membership Obligatory Voluntary Voluntary Voluntary Obligatory Obligatory  
Population size (2018) 5.413.088 19.969.227 14.441.544 1.438.973 43.475.548 (2019) Not available  
Contribution rate (2017) 7% of the wage (2%, 2% and 3% paid by the employee, employer, and government respectively) 7% of the minimum wage (paid by the government) Fixed premium (400,000 Rial per month, 100% paid by the government) 7% of the minimum wage (100% paid by the government) 30% of which 9% is for health benefits package (2%, 6% and 1% paid by the worker, employer, and government respectively) 7% of the wage (2%, 2.5% and 2.5% paid by the employee, employer, and government respectively), An extra mandatory fixed amount is also deducted for supplementary coverage which is paid by the employees  
Per capita expenditures per year (2018)26 480,968 R* 277.565 R 371,580 R 573.173 R 431.719 (2019) R Not available  
User charges 10 to 30% of in patient and out-patients health services respectively in the public hospitals based on public medical tariffs. Also, the gap between private and public medical tariffs in private centres 10 to 30% 10 to 30% 10 to 30% 10 to 30% of in patient and out-patients health services respectively based on public medical tariffs. Also, the gap between private and public tariffs in private centres. No copayment in SSO’s hospitals and health centres   
  1. *R= Rial (Iran currency)