Purpose

The purpose of this paper is to examine the relationship between consumers' satisfaction with their health insurance and quality of life (QoL), the mediating role of perceived financial burden in this relationship, as well as the moderating effect of external locus of control (LoC) on the relationship between perceived financial burden and QoL among cancer patients.

Design/methodology/approach

A cross-sectional design was employed in order to collect quantitative data by means of a self-administrated questionnaire. Participants consisted of 387 conveniently selected consumers diagnosed with cancer in Iran. Furthermore, the questionnaire was translated into Persian using a forward–backward method. The model was tested using partial least squares structural equation modeling (PLS-SEM).

Findings

The results indicate that the more satisfied patients are with their health insurance, the higher QoL they experience, and this relationship is explained through reducing perceived financial burden in terms of direct and indirect costs of the disease. Although external LoC belief is negatively related to QoL, it buffers the negative association between financial burden and QoL.

Practical implications

Reducing the disparity between consumers' expectation and perception of the comprehensiveness of health insurance policies may relieve consumers' anxiety stemming from financial worries.

Originality/value

This paper fills a gap in the literature where consumers' perception about quality of insurance and its relationship with their QoL has received little attention so far.

中文翻译：

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健康保险满意度，财务负担，控制源和癌症患者的生活质量：调节型调解模型

目的

本文的目的是检验消费者对其健康保险满意度和生活质量（QoL）之间的关系，感知的经济负担在这种关系中的中介作用以及外部控制源（LoC）的调节作用），了解癌症患者的财务负担与生活质量之间的关系。

设计/方法/方法

为了通过自我管理的问卷收集定量数据，采用了横断面设计。参加者包括387位在伊朗被诊断出患有癌症的便捷选择的消费者。此外，使用向前-向后的方法将调查表翻译成波斯语。使用偏最小二乘结构方程模型（PLS-SEM）对模型进行了测试。

发现

结果表明，患者对医疗保险的满意度越高，他们体验到的QoL越高，这种关系可以通过减少疾病的直接和间接成本来感知财务负担来得到解释。尽管外部LoC信念与QoL负相关，但它可以缓解财务负担和QoL之间的负关联。

实际影响

减少消费者的期望与对健康保险政策的全面性的理解之间的差异，可以减轻消费者因财务忧虑而产生的焦虑。

创意/价值

本文填补了文献中的空白，迄今为止，消费者对保险质量及其与QoL的关系的认识很少受到关注。