Services are characterized by intangibility, inseparability, heterogeneity, and perishability [1]. Intangibility refers to impalpability, inseparability refers to instantaneous delivery and consumption of services, heterogeneity refers to variability in service delivery and perishability refers to the "time dependency" and "time importance" of services, whereby services cannot be stored for future consumption [2]. Given these attributes of services, an understanding of consumer needs and the subsequent delivery of services is fundamental in service-oriented industries. The appropriate alignment of consumers' needs and expectations and service delivery leads to customer satisfaction [3].
The association between service quality and customer satisfaction has been widely explored in the private sector, including in banking [4-8], the retail industry [9, 10], telecommunications [9], and hospitality [11]. While the importance of service quality is undeniable in the private sector due to its association with organizational profitability, it is of greater importance in education and health care, where the public sector is interested. The satisfaction with these merit goods' service delivery plays an essential role in policy analysis and development [12].
Berry and Seltman argued that health care services are significantly different from other services in several ways [13]. Health care service is delivered as needed [14]; patients do not have control over the type and delivery of skill and labor-intensive procedures that are customized to their needs [15] and are required to relinquish their privacy [13]. Besides, healthcare services delivery is a collaborative process between the service provider and the beneficiary [15].
The quality of health care is measured concerning service quality or clinical quality [16]. While the patients perceive service quality, clinical quality refers to rather hard measures of excellence, such as the proportion of specialists to other doctors, unscheduled returns to the operating room, and in-patient mortality [17, 18]. The service quality in health care is broadly estimated based on a triad between cost, quality, and accessibility often referred to as the 'Iron Triangle' or the 'Triad of Health care' [19]. However, it can also be measured in terms of availability, acceptability, appropriateness, competency, timeliness, privacy, confidentiality, empathy, attentiveness, caring, responsiveness, accountability, accuracy, reliability, comprehensiveness, continuity, equity, environment, and amenities and facilities [20]. The evaluation of consumer perceptions on the above-mentioned overlapping dimensions of service quality enables policymakers to amend or devise policies that may lead to better outcomes and enhance customer satisfaction.
Governments globally face the challenge of providing quality and affordable health care to their citizens while ensuring its sustainability. The costs related to health care are increasing exponentially due to evolving demographics (aging population), a growing population, lifestyle changes leading to non-communicable diseases, technological changes, and rising consumer needs and expectations [21].
The perceived quality should always be measured from the demand-side, from the end-user perspective [22]. Accordingly, this paper aims to focus on the service quality of the health care sector in the UAE and attempt to measure the perceived satisfaction derived from various aspects of health care services in the country. Since service quality in health care is a multidimensional construct [20], patients' perceptions of various dimensions such as affordability, quality of delivery, accessibility, and responsiveness are evaluated. This paper adds to the increasing body of literature available on health care service delivery around the world. It focuses on an oil-exporting country striving to decrease its dependence on oil and diversify its economy. Moreover, the country's health care system is developing and is evolving rapidly to serve the population better despite the current health crisis, the COVID-19 pandemic worldwide.
This study aims to answer the following research question: To what extent do quality, affordability, accessibility, and responsiveness determine overall satisfaction in the UAE health care sector?
Health Care in the United Arab Emirates
The UAE, health care sector, is categorized by public and private service providers' corresponding service utilization. Despite the prominent presence of private health care providers in the country, the general public expenditure as a percentage of the overall health care expenditure is relatively high. Between 2000 and 2015, the proportion of public spending on health care has been approximately 67 percent on average of the total expenditure [23].
The regulatory system in the health care industry in the UAE is multi-tiered and includes federal and emirate level regulatory bodies[1]. The Federal Insurance Authority also plays a crucial role in the UAE health care sector, as the UAE government is transitioning towards universal health coverage for all residents in the UAE [24]. The UAE health care industry is dominated by a handful of private health care providers. During the last few years, the sector's mergers and acquisitions have further consolidated the industry [21].
International accreditation is prevalent and encouraged by the UAE regulatory authorities across the health care sector. According to reports by the Ministry of Health and Prevention, over 70 percent of health care institutions and facilities have been accredited by international bodies. In contrast, the other facilities are accredited by 2021, according to reports by the Ministry of Health and Prevention [25, 48]. Despite international accreditation of health care facilities, the standardization measures of quality lack throughout local private and public health care providers.
The importance of the insurance industry is paramount universally. The UAE's insurance industry is fragmented, with 61 insurance companies [26] serving a population of approximately nine million people (Federal Competitiveness and Statistics Authority, 2018). The top five insurance companies have a collective market share of 56.2 percent [27].
There has been significant development across the UAE's healthcare system over the last two decades, including improvements in accessibility, affordability, and service delivery of clinical quality. With such developments, the UAE government continuously financed the health industry over the years, ensuring health care delivery to the population, even though falling oil revenues. One of the dilemmas is to stabilize the healthcare-related costs while extending accessibility and sustaining the quality of health care and affordability.
The National Agenda 2021 for UAE involves several indicators: health care, education, economy, justice, police and security, society, housing, infrastructure, and government services [28]. Under the realm of health care, the UAE government plans to cooperate with all strategic stakeholders in the health care sector and other sectors to provide health care according to clear national and international quality standards and seeks to focus on preventive medicine and to reduce the prevalence of non-communicable diseases in the country [28]. In line with these objectives, AED 4.84 billion (6.89 percent of the annual budget 2020) has been allocated to health care and social services programs [29]. The actions aim to improve both clinical and service quality in the UAE health care sector.
This paper will primarily focus on evaluating the perceptions regarding various dimensions of service quality. The results will facilitate an understanding of challenges in health care services in the UAE.
Literature Review
The Iron Triangle of Health Care developed by Kissick in 1994 identified three critical elements for patient satisfaction: Quality, Cost, and Accessibility. The model is based on the principle of opportunity cost and trade-off, where all three elements are interdependent, and the achievement of two factors will only occur at the expense of the third [19].
Extensive literature is available on quality in health care, and several definitions of quality have been proposed. According to Mosadeghrad [20] quality in health care can be excellence, value, conform to standards and guidelines, and meet customer needs and expectations. Compliance with these dimensions of quality would result in satisfied end-users or ultimate beneficiaries of the health care service. A patient-centered approach in health care provision dictates "... [quality is that which] exceeds patient expectations and achieves the highest possible clinical outcomes with the resources available" [2]. This encompasses the health care service's clinical and service quality dimensions, encircling care, and service aspects. Donabedian in 1980 [30] referred to these aspects as technical quality and interpersonal quality. Donabedian highlighted that a distinction is drawn between care in health care provision, which is related to the direct technical intervention (i.e., treatment, medication, check-ups, etc.) and service, which is concerned with the patients' experience of their interaction with the health care provider [30]. However, both care and service are interconnected and inseparable and are essential to the overall quality of the patients' experience. While patients might not necessarily be able to assess the technical elements of care, they can evaluate their service quality experience. Cohen highlighted that patients tend to give more weight to the interpersonal aspects of their experience with the health care provider [31].
Several factors contribute to the importance of patient satisfaction as a tool to help health care providers understand patients' perspectives and enhance overall quality. First, patient satisfaction and patient loyalty were found to be correlated. For example, in Yemen, a study found that patients' satisfaction with reliability, empathy, and assurance had a significant influence on patient loyalty [32]. Similarly, Mortazavi et al. [33] concluded that there is a significant correlation between patient satisfaction and patient loyalty in nursing care, operating rooms, admission, and administration.
Second, patients can be viewed as customers from a consumerist perspective, especially in private healthcare providers' competitive market. Therefore, when health care delivery is commodified, patient (or consumer), satisfaction is crucial to organizational profitability. Patients are empowered to leave the consumption loop due to dissatisfaction and find other options [34]. While there is a direct link between organizational profitability and patient satisfaction [35], the latter can reduce costs associated with resolving customer complaints [36].
Lastly, various aspects of patient satisfaction contribute to policy and organizational reform [37]. Although patient satisfaction surveys are not widely utilized in health care service assessment [38], they can identify performance gaps and indicate improvement areas.
Some health care professionals might dismiss patient satisfaction as being too subjective to determine health care quality [38]; however, patient-centered approaches to health care emphasize the importance of satisfying patients' expectations. In this sense, patient-satisfaction is an evaluative process in which a patient cognitively and emotionally reacts to the health care they receive [39]. Therefore, it is integral to include recipients' perceptions of service quality in the evaluation of overall satisfaction.
Another important aspect of health care is cost; synonymously used with the term affordability. As a generic term, affordability can be best defined as a measure of someone's purchasing power towards a good or service [40]. According to Glickman [41], "affordability is not a synonym for low prices. It describes a qualitative ability to pay - an interaction of price, disposable income, and judgments about the necessity of a particular good." Accordingly, affordability of health care reflects the end user's purchasing power, derived from his disposable income, to pay for health care services.
To personalize the actual cost and affordability of health care, Emanuel et al. [42] proposed developing an "Affordability Index,"[2] which relates the average cost of health care to the average household income. The authors themselves indicated that the index is not perfect in determining the affordability of health care services. Glickman [41] highlighted several limitations of the index, such as regional and national variability in health care spending, the cost of insurance subsidized insurance for low-income families, and double counting employer contributions to premiums. The index also has a limitation concerning its universal applicability as many countries do not have universal or sponsored insurance.
Accessibility to health care is a complex and multidimensional construct. Levesque et al. highlighted that the literature on health care defines and operationalizes accessibility concerning financial physical and geographical accessibility, predisposing and enabling factors, availability, accommodation, affordability, acceptability, adequacy, and cultural acceptability [40]. Gulliford et al. broke-down access into "having" sufficient health care providers or, in other terms, availability and gaining access to such providers, which depends on actual utilization and affordability [43].
One aspect of accessibility is the availability of health care services when required, which can be operationalized, for example, as the number of patient-physician contacts [44]. Besides, availability can be determined by the number of hospitals and clinics, the number of beds in each institution, and physicians and nurses [45]. Mosadeghrad [20] argued that accessibility (physical, financial, and conceptual) is crucial, while availability is essential. The author highlighted that accessibility is especially critical when the service costs are high, and insurance is unavailable. Gulliford et al. argued that from a policy perspective, facilitating access to health care refers to helping people to utilize appropriate health resources to preserve or improve their health [43].
Besides the factors discussed above, Mosadeghrad [20] found that responsiveness in health care service provision is also relevant, mainly because information asymmetry exists between patients and service providers. This quality aspect may include active listening, trust, respect, confidentiality, courtesy, and effective communication, referred to as interpersonal aspects [31]. Lack of perceived responsiveness on the part of the service provider may lead to lower levels of satisfaction among healthcare services [46].
Besides the factors discussed above, the literature discusses many other factors that determine perceived service quality in health care provision [20]. It is evident that various aspects of health care delivery are highly interdependent, and their operationalization varies significantly in the literature [40]. This paper primarily focuses on three factors (cost, quality, accessibility), as suggested by Kissick [19], and responsiveness in the UAE health care sector.
[1] The Ministry of Health and Prevention regulates the health care sector on a federal level (UAE Ministry of Health and Prevention, 2020). The emirate-level regulatory authorities regulate health care providers in Abu Dhabi, Dubai, and Sharjah. (Department of Health - Abu Dhabi, 2018; Dubai Health Authority, 2020; Sharjah Health Authority, 2020). Besides these, all the private companies in the Dubai Health Care City are regulated by a separate entity (Dubai Health Care City Authority, 2020).
[2] Affordability Index is a ratio that relates health insurance costs to household incomes over time. It is calculated by dividing the mean cost of an employer-sponsored family health insurance policy by median household income.