An Empirical Application on The Performance of Health Insurance Companies in the Context of COVID-19

Enes Pehlivan; Ali Köse

Makale detayları

An Empirical Application on The Performance of Health Insurance Companies in the Context of COVID-19

Yazarlar:

Enes Pehlivan | Ali Köse

Yayıncı:

Hacettepe University

Ana Başlıklar:

Sigorta Ekonomisi | Finansal Kurumlar | Risk Yönetimi ve Sigorta

Dergi:

Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 3, pp.589-617

Belge Tipi:

Makale

Yayın Tarihi:

9/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001359097

pISSN:

1301-8752

Anahtar kelimeler:

Özet:

 The COVID-19 pandemic has spread rapidly around the world since 2020 and has had critical effects on the global economy. The insurance sector, which has an essential place in the economies of countries, has also been affected by this situation on a global scale. In the study, the performance of health insurance companies in the 2017-2023 period was analysed, and it was examined whether there was an unexpected differentiation in the performance rankings for the health branch in 2020 on the COVID-19 axis. After determining the weight scores of the selected variables, the optimal weight scores were determined using the Bayesian approach. According to the obtained results, with the pandemic and subsequent developments, the Technical Profitability Ratio, Gross Premium, and Number of Policies variables have been identified as more influential in enhancing the performance of insurance companies. It is believed that formulating a strategy that prioritizes factors such as employee satisfaction, policy pricing, and customer loyalty in line with the changing demands and needs brought about by the pandemic would positively impact company performance. It was observed that there was an unsteady course in the ranking results, but there was no serious differentiation except for SF1, SF11, and SF17 in 2020.

 The COVID-19 pandemic has spread rapidly around the world since 2020 and has had critical effects on the global economy. The insurance sector, which has an essential place in the economies of countries, has also been affected by this situation on a global scale. In the study, the performance of health insurance companies in the 2017-2023 period was analysed, and it was examined whether there was an unexpected differentiation in the performance rankings for the health branch in 2020 on the COVID-19 axis. After determining the weight scores of the selected variables, the optimal weight scores were determined using the Bayesian approach. According to the obtained results, with the pandemic and subsequent developments, the Technical Profitability Ratio, Gross Premium, and Number of Policies variables have been identified as more influential in enhancing the performance of insurance companies. It is believed that formulating a strategy that prioritizes factors such as employee satisfaction, policy pricing, and customer loyalty in line with the changing demands and needs brought about by the pandemic would positively impact company performance. It was observed that there was an unsteady course in the ranking results, but there was no serious differentiation except for SF1, SF11, and SF17 in 2020.

 The COVID-19 pandemic has spread rapidly around the world since 2020 and has had critical effects on the global economy. The insurance sector, which has an essential place in the economies of countries, has also been affected by this situation on a global scale. In the study, the performance of health insurance companies in the 2017-2023 period was analysed, and it was examined whether there was an unexpected differentiation in the performance rankings for the health branch in 2020 on the COVID-19 axis. After determining the weight scores of the selected variables, the optimal weight scores were determined using the Bayesian approach. According to the obtained results, with the pandemic and subsequent developments, the Technical Profitability Ratio, Gross Premium, and Number of Policies variables have been identified as more influential in enhancing the performance of insurance companies. It is believed that formulating a strategy that prioritizes factors such as employee satisfaction, policy pricing, and customer loyalty in line with the changing demands and needs brought about by the pandemic would positively impact company performance. It was observed that there was an unsteady course in the ranking results, but there was no serious differentiation except for SF1, SF11, and SF17 in 2020.

 COVID-19 pandemisi 2020 yılı itibarıyla dünya genelinde hızla yayılmış ve küresel ekonomi üzerinde ciddi etkiler bırakmıştır. Ülke ekonomilerinde önemli bir yeri olan sigortacılık sektörü de küresel ölçekte bu durumdan etkilenmiştir. Çalışmada, sağlık branşında hizmet veren sigorta şirketlerinin 2017-2023 döneminde sergilediği performans analiz edilmiş, COVID-19 ekseninde 2020 yılında sağlık branşı özelinde performans sıralamalarında beklenmedik bir farklılaşmanın olup olmadığına bakılmıştır. Belirlenen değişkenlerin ağırlık skorları tespit edildikten sonra Bayes yaklaşımıyla optimal ağırlık skorları belirlenmiştir. Elde edilen sonuçlara göre pandemi ve yaşanan gelişmelerle birlikte sigorta şirketlerinin performanslarının yükselmesinde Teknik Karlılık Oranı, Brüt Prim ve Poliçe Sayısı değişkenlerinin daha etkili olduğu belirlenmiştir. Pandemiyle birlikte değişen istek ve ihtiyaçlar doğrultusunda çalışan memnuniyeti poliçe fiyatı, müşteri sadakati gibi unsurları önceliklendirerek bir strateji oluşturmanın şirket performansını olumlu yönde etkileyeceği düşünülmektedir. Sıralama sonuçlarında ise istikrarsız bir seyir izlendiği ancak 2020 yılı özelinde SF1, SF11 ve SF17 dışında ciddi bir farklılaşmanın yaşanmadığı görülmüştür.

Makale detayları

An Empirical Application on The Performance of Health Insurance Companies in the Context of COVID-19

Yazarlar:

Enes Pehlivan | Ali Köse

Yayıncı:

Hacettepe University

Ana Başlıklar:

Sigorta Ekonomisi | Finansal Kurumlar | Risk Yönetimi ve Sigorta

Dergi:

Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 3, pp.589-617

Belge Tipi:

Makale

Yayın Tarihi:

9/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001359097

pISSN:

1301-8752

Performance Analysis

Health Insurance

Covid-19 Pandemic

Multi-Criteria Decision Making (MCDM).Performans Analizi

Sağlık Sigortası

Covid-19 Pandemisi

Çok Kriterli Karar Verme (ÇKKV

Sayı

Makale detayları

Yazarlar: Enes Pehlivan | Ali Köse

Yayıncı: Hacettepe University

Ana Başlıklar: Sigorta Ekonomisi | Finansal Kurumlar | Risk Yönetimi ve Sigorta

Dergi: Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 3, pp.589-617

Belge Tipi: Makale

Yayın Tarihi: 9/2025

Belge Dili: Türkçe

Document ID (Org No.): 2001359097

pISSN: 1301-8752

Sayı

Yazarlar:

Enes Pehlivan | Ali Köse

Yayıncı:

Hacettepe University

Ana Başlıklar:

Sigorta Ekonomisi | Finansal Kurumlar | Risk Yönetimi ve Sigorta

Dergi:

Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 3, pp.589-617

Belge Tipi:

Makale

Yayın Tarihi:

9/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001359097

pISSN:

1301-8752