Browsing by Author "Zambrano Moreira, Erika Narcisa"

Filter results by typing the first few letters
Now showing 1 - 1 of 1
  • Thumbnail Image
    Item
    Análisis de la dinámica en la adquisición de servicios de atención médica privada bajo el esquema de contratación de seguros de medicina prepagada en la zona urbana de la ciudad de Cuenca durante el período 2024: Enfoque del Modelo Molecular de Servicios
    (Universidad de Cuenca, 2025-02-13) Jarama Pugo, Diana Elizabeth; Zambrano Moreira, Erika Narcisa; Pesántez Vicuña, Saúl Fernando
    In recent years, in the city of Cuenca, private medical services under the prepaid medical insurance scheme have gained relevance due to the growing interest in health alternatives that guarantee speed and quality. However, the accessibility, coverage and perceived value of these services have been the subject of debate among users. This study aims to analyze the dynamics in the acquisition of these services under the Molecular Service Model approach, exploring factors such as satisfaction, perception of quality, financial security and gaps in service provision. The methodology employed combines a mixed approach: in the qualitative phase, focus groups were conducted to investigate the reasons for the acceptance or rejection of these insurances; in the quantitative part, a representative sample of the urban population was surveyed through stratified sampling by parishes. The results reveal that neither the perception of financial security nor the sensitivity to gaps in the provision of private health services significantly influences users' decision making when purchasing prepaid health insurance. However, the level of satisfaction of private health users varies depending on whether they have insurance or not. In addition, those with greater coverage report higher satisfaction, attributed to additional services offered by insurance. In summary, this study provides a comprehensive understanding of the factors that influence the purchase of these insurances. Its findings seek to guide improvements in the provision of this type of services.