Risk-Selection via Supplementary Health Insurance in Universal Mandatory Health Insurance for Basic Services

2011 ◽  
pp. 79-92
Author(s):  
Francesco Paolucci
Keyword(s):  
Health Insurance ◽  
Risk Selection ◽  
Mandatory Health Insurance ◽  
Basic Services ◽  
Supplementary Health Insurance

scholarly journals Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets

2007 ◽  
Vol 2 (2) ◽  
pp. 173-192 ◽  
Author(s):  
FRANCESCO PAOLUCCI ◽  
ERIK SCHUT ◽  
KONSTANTIN BECK ◽  
STEFAN GREß ◽  
CARINE VAN DE VOORDE ◽  
...  
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Insurance Markets ◽  
Risk Selection ◽  
Policy Makers ◽  
Basic Health Insurance ◽  
Health Care Finance ◽  
Basic Health ◽  
Health Insurance Markets ◽  
Supplementary Health Insurance

Abstract:As the share of supplementary health insurance (SI) in health care finance is likely to grow, SI may become an increasingly attractive tool for risk-selection in basic health insurance (BI). In this paper, we develop a conceptual framework to assess the probability that insurers will use SI for favourable risk-selection in BI. We apply our framework to five countries in which risk-selection via SI is feasible: Belgium, Germany, Israel, the Netherlands, and Switzerland. For each country, we review the available evidence of SI being used as selection device. We find that the probability that SI is and will be used for risk-selection substantially varies across countries. Finally, we discuss several strategies for policy makers to reduce the chance that SI will be used for risk-selection in BI markets.

The Demand for Supplementary Health Insurance, or Do Deductibles Matter?

1977 ◽  
Vol 85 (4) ◽  
pp. 789-801 ◽  
Author(s):  
Emmett B. Keeler ◽  
Daniel T. Morrow ◽  
Joseph P. Newhouse
Keyword(s):  
Health Insurance ◽  
Supplementary Health Insurance

scholarly journals Health Insurance in Myanmar: The Views and Perception of Healthcare Consumers and Health System Informants on the Establishment of a Nationwide Health Insurance System

Risks ◽  
2018 ◽  
Vol 6 (3) ◽  
pp. 81
Author(s):  
Marjolein van Rooijen ◽  
Chaw-Yin Myint ◽  
Milena Pavlova ◽  
Wim Groot
Keyword(s):  
Health Insurance ◽  
Health System ◽  
Rural Areas ◽  
Social Protection ◽  
Vulnerable Groups ◽  
Health Insurance System ◽  
Structured Interviews ◽  
Insurance System ◽  
Supplementary Health Insurance ◽  
Insurance Model

(1) Background: Health insurance and social protection in Myanmar are negligible, which leaves many citizens at risk of financial hardship in case of a serious illness. The aim of this study is to explore the views of healthcare consumers and compare them to the views of key informants on the design and implementation of a nationwide health insurance system in Myanmar. (2) Method: Data were collected through nine focus group discussions with healthcare consumers and six semi-structured interviews with key health system informants. (3) Results: The consumers supported a mandatory basic health insurance and voluntary supplementary health insurance. Tax-based funding was suggested as an option that can help to enhance healthcare utilization among the poor and vulnerable groups. However, a fully tax-based funding was perceived to have limited chances of success given the low level of government resources available. Community-based insurance, where community members pool money in a healthcare fund, was seen as more appropriate for the rural areas. (4) Conclusion: This study suggests a healthcare financing mechanism based on a mixed insurance model for the creation of nationwide health insurance. Further inquiry into the feasibility of the vital aspects of the nationwide health insurance is needed.

Contending with Risk Selection in Health Insurance Markets in Germany

2006 ◽  
Vol 7 (Supplement) ◽  
pp. 75-91 ◽  
Author(s):  
Jacob Glazer ◽  
Thomas G. McGuire
Keyword(s):  
Health Insurance ◽  
Risk Adjustment ◽  
Simple Approach ◽  
Insurance Markets ◽  
Risk Selection ◽  
Health Plans ◽  
Health Insurance Markets ◽  
The U.S

Abstract In many countries, competition among health plans or sickness funds raises issues of risk selection. Funds may discourage or encourage potential enrollees from joining, and these actions may have efficiency or fairness implications. This article reviews the experience in the U.S., and comments on the evidence for risk selection in Germany. There is little evidence that risk selection causes efficiency problems in Germany, but risk selection does lead to an inequality in contribution rates. A simple approach to equalizing contribution rates that does not involve risk adjustment is presented and discussed.

Supplementary Health Insurance from the consumer point of view

Health Policy ◽  
2017 ◽  
Vol 121 (6) ◽  
pp. 708-714 ◽  
Author(s):  
Giora Kaplan ◽  
Yael Shahar ◽  
Orna Tal
Keyword(s):  
Health Insurance ◽  
Point Of View ◽  
Supplementary Health Insurance

Switzerland

2021 ◽  
pp. 652-676
Author(s):  
Christian Rüefli
Keyword(s):  
Health Insurance ◽  
Direct Democracy ◽  
Private Insurance ◽  
Universal Coverage ◽  
Individual Responsibility ◽  
Managed Competition ◽  
State Control ◽  
Market Mechanisms ◽  
Healthcare Politics ◽  
Mandatory Health Insurance

This chapter offers an in-depth look at health politics and the mandatory health insurance system in Switzerland. It traces the development of the Swiss healthcare system, characterized by the strong role of the cantons and private stakeholder organizations in managing the system as well as the reliance on voluntary private insurance for most of the twentieth century. Since 1994, when a law on mandatory health insurance was adopted, the main issues in Swiss healthcare politics have been increasing costs, managed competition, the introduction of case-based payment, and healthcare governance. Switzerland’s consociational political system, with its instruments of direct democracy, federalism, and corporatist interest representation, impedes the development of consensus across the left–right divide about whether the health system should rely more on market mechanisms and individual responsibility or on state control and universal coverage.

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