fa رابطه توسعه بیمه‌ی عمر و رفاه اجتماعی با سلامت در ایران طی سال‌های 1360-1390 رفاه اجتماعی اصیل orginal <span lang="AR-SA"><p align="right" dir="rtl">طرح مسئله: یکی از مفاهیم محوری توسعه‌ی پایدار، مقوله‌ی توسعه‌ی انسانی و بهبود شاخص سلامت در حوزه‌ی رفاه اجتماعی است که علاوه بر ملاحظات بهداشتی به عوامل اقتصادی از جمله توسعه‌ی بیمه‌ی عمر وابسته است. هدف اصلی از انجام این مطالعه، بررسی تأثیر ب<span lang="FA">ی</span><span lang="AR-SA">مه‌ی عمر بر دو شاخص مهم سلامت یعنی امید به زندگی و نرخ مرگ و میر کودکان در حوزه‌ی رفاه اجتماعی ایران است. </span></p> <p align="right" dir="rtl">روش: در این پژوهش سعی گردید از سه متغیر مهم ضر<span lang="FA">ی</span><span lang="AR-SA">ب نفوذ ب</span><span lang="FA">ی</span><span lang="AR-SA">مه‌ی عمر، ب</span><span lang="FA">ی</span><span lang="AR-SA">مه‌ی عمر سرانه و حق ب</span><span lang="FA">ی</span><span lang="AR-SA">مه‌ی عمر و چند متغیر دیگر اقتصادی از جمله درآمد سرانه، تورم و نرخ بیکاری بهعنوان متغیرهای کنترل مؤثر بر سلامت استفاده شود. برای این منظور، دادههای مرتبط با موضوع پژوهش برای سالهای 1390-1360 کشور جمعآوری شده و با استفاده از روش حداقل مجذورات معمولی مورد تجزیه و تحلیل قرار گرفت. </span></p> <p align="right" dir="rtl">یافته ها: نتایج پژوهش گویای این واقعیت است که در دوره‌ی مورد بررسی، ضر<span lang="FA">ی</span><span lang="AR-SA">ب نفوذ ب</span><span lang="FA">ی</span><span lang="AR-SA">مه‌ی عمر، ب</span><span lang="FA">ی</span><span lang="AR-SA">مه‌ی عمر سرانه و حق ب</span><span lang="FA">ی</span><span lang="AR-SA">مه‌ی عمر اثر مثبت بر بهبود وضعیت امید به زندگی و کاهش نرخ مرگ و میر کودکان دارند. همچنین متغیرهای تورم و نرخ بیکاری اثر منفی بر بهبود وضعیت امید به زندگی و کاهش نرخ مرگ و میر کودکان دارند. </span></p> <p align="right" dir="rtl">نتایج: در فرایند توسعه‌ی انسانی و بهبود شاخص سلامت در حوزه‌ی رفاه اجتماعی، تقویت و توسعه بیمه‌ی عمر میتواند باعث افزایش امید به زندگی و کاهش مرگ و میر کودکان در ایران شود. </p></span> <font face="Times New Roman" size="3"> </font><p style="margin: 0cm 0cm 0pt text-align: justify unicode-bidi: embed direction: ltr"><font face="arial,helvetica,sans-serif"><b><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">Introduction:</span></b><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA"> One of the main axioms of sustainable growth is the phenomenon of human development and its health improvement in the field of social welfare which depends on multi socio economic factors including insurance demand. The main purpose</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">of this</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">study was</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">to</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">describe</span><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> how </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">life insurance effects on life expectancy</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">index and then measuring life insurance demand on</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">life expectancy</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">index and </span><font size="3">Under-five year mortality rate</font><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA"> of Iran.</span></font></p><font face="arial,helvetica,sans-serif" size="3"> </font><p style="margin: 0cm 0cm 0pt text-align: justify line-height: 115% unicode-bidi: embed direction: ltr"><b><span style="line-height: 115% font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA"><font face="arial,helvetica,sans-serif"> </font></span></b></p><font face="arial,helvetica,sans-serif" size="3"> </font><p style="margin: 0cm 0cm 0pt text-align: justify unicode-bidi: embed direction: ltr -ms-text-justify: kashida text-kashida: 0%"><font face="arial,helvetica,sans-serif"><b><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">Methods:</span></b><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">Relevant data have been collected for the years1981 to 2011 and been analyzed to find out the impact of economic factors and life insurance development on social welfare in Iran using panel data analysis. </span></font></p><font face="arial,helvetica,sans-serif" size="3"> </font><p style="margin: 0cm 0cm 0pt text-align: justify line-height: 115% unicode-bidi: embed direction: ltr"><span style="line-height: 115% font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA"><font face="arial,helvetica,sans-serif"> </font></span></p><font face="arial,helvetica,sans-serif" size="3"> </font><p style="margin: 0cm 0cm 0pt text-align: justify unicode-bidi: embed direction: ltr"><font face="arial,helvetica,sans-serif"><b><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN">Results:</span></b><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> The results show that the economic variables, per capita income, inflation and unemployment are used as control variables affecting health. Results indicate a significant positive effect of the demand for life insurance on </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">health</span><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> index. </span></font></p><font face="arial,helvetica,sans-serif" size="3"> </font><p style="margin: 0cm 0cm 0pt text-align: justify unicode-bidi: embed direction: ltr"><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"><font face="arial,helvetica,sans-serif"> </font></span></p><font face="arial,helvetica,sans-serif" size="3"> </font><p style="margin: 0cm 0cm 0pt text-align: justify unicode-bidi: embed direction: ltr"><font face="Times New Roman"><font face="arial,helvetica,sans-serif"><b><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN">Conclusion:</span></b><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> The demand for life insurance could bring an increase </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">health </span><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN">of the in Iran country. </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">Based on</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">the findings of this</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">study,</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">variables</span><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> such as </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">per capita income significant and positive</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">effect and variables</span><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> such as unemployment, inflation have </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">significant negative</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">effect</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">on</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">health</span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN"> </span><span style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA">indicators</span><span lang="EN" style="font-size: 13pt mso-bidi-font-family: "B Nazanin" mso-bidi-language: FA mso-ansi-language: EN">.</span></font></font></p><font face="Times New Roman" size="3"> </font> سلامت, امید به زندگی, مرگ و میر کودکان, بیمه‌ی عمر Life expectancy, Mortality rate, Demand of life insurance 91 109 http://refahj.uswr.ac.ir/browse.php?a_code=A-10-817-192&slc_lang=fa&sid=1 Hamid sepehrdoust حمید سپهردوست Yes Samaneh ebrahimnasab سمانه ابراهیم نسب No