فهرست نشریات علمی دسترسی آزاد ایران

Selecting the best health insurance plan is a crucial choice, as it directly impacts both financial stability and access to quality healthcare. This process involves weighing several factors, such as coverage, cost, provider network, and customer satisfaction. This manuscript introduces an innovative methodology for evaluating optimal health insurance plans through the adaptation of the "VlseKriterijumska Optimizacija I Kompromisno Resenje (VIKOR)" technique in conjunction with the "q-Rung Orthopair Fuzzy Set (q-ROFS)" theoretical framework, enhanced by a recently proposed Triangular Divergence Distance Measure (TDDM). This technique provides a complete framework for assessing and rating health insurance policies by fusing the multi-attribute decision-making (MADM) capabilities of the VIKOR method with the flexibility of the q-ROFS theory. We demonstrate how to apply this methodology to the evaluation and ranking of five different health insurance plans according to various criteria through a thorough example. This result shows that plan E from SBI ($\widetilde{\kappa}_5$) is the best health insurance plan. The manuscript further compares this novel methodology with existing MADM techniques and distance measures to illustrate the feasibility of the proposed approach. A sensitivity analysis has been performed to determine its stability. This research advances the development of decision support systems for choosing health insurance plans by providing a strong and adaptable framework that can consider the uncertainties and complexities of making decisions in the real world. Using the VIKOR approach in conjunction with the q-ROFS theory, people and organizations may more adeptly traverse the complex world of health insurance alternatives, resulting in enhanced satisfaction with their selected plans and better outcomes overall.