Combined social and private health insurance versus catastrophic out of pocket payments for private hospital care in Greece

2017 ◽  
Vol 17 (3) ◽  
pp. 261-287 ◽  
Author(s):  
Nikolaos Grigorakis ◽  
Christos Floros ◽  
Haritini Tsangari ◽  
Evangelos Tsoukatos
Keyword(s):  
Health Insurance ◽  
Hospital Care ◽  
Private Health Insurance ◽  
Private Hospital ◽  
Out Of Pocket Payments

Out of pocket payments and social health insurance for private hospital care: Evidence from Greece

Health Policy ◽  
2016 ◽  
Vol 120 (8) ◽  
pp. 948-959 ◽  
Author(s):  
Nikolaos Grigorakis ◽  
Christos Floros ◽  
Haritini Tsangari ◽  
Evangelos Tsoukatos
Keyword(s):  
Health Insurance ◽  
Hospital Care ◽  
Private Hospital ◽  
Social Health Insurance ◽  
Social Health ◽  
Out Of Pocket Payments

scholarly journals The effects of increased private health insurance: a review of the evidence

2004 ◽  
Vol 28 (1) ◽  
pp. 119 ◽  
Author(s):  
Don Hindle ◽  
Ian McAuley
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Private Health Insurance ◽  
Private Hospital ◽  
Government Interventions ◽  
Vested Interests ◽  
Main Factors ◽  
The Government ◽  
Hospital Utilisation ◽  
Made In

Private health insurance membership declined steadily between 1984 and 1997, after which major government interventions caused it to increase. We review some of the literature and conclude that the increases in membership were probably associated with a loss of equity and costeffectiveness for the health care system as a whole. We attempt to explain why the government made the changes and conclude that the main factors were vested interests of those who have benefited and a confusion of objectives. The changes may have resulted in a more balanced use of available resources (such as the balance between government and private hospital utilisation) but these and other desirable objectives might have been better achieved in other ways. We advocate that a more serious effort be made in future to ensure that policy takes more account of evidence, logic, and system-wide design and coherence.

scholarly journals Public policy and private health insurance: distributional impact on public and private hospital usage

2007 ◽  
Vol 31 (2) ◽  
pp. 305 ◽  
Author(s):  
Agnes E Walker ◽  
Richard Percival ◽  
Linc Thurecht ◽  
Jim Pearse
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Private Hospital ◽  
Insurance Coverage ◽  
Significant Proportion ◽  
Health Insurance Coverage ◽  
Public Hospitals ◽  
Hospital Inpatient ◽  
Public And Private ◽  
South Wales

Objective: To study the effectiveness of recent private health insurance (PHI) reforms, in particular the 30% rebate and Lifetime Health Cover, in terms of their stated aim of reducing the load on public hospitals. Methods: Combines the use of two new projection models ? ?Health Insurance? (PHI) and ?New South Wales Hospitals? that use public and private hospital inpatient data from 1996?97 to 1999?2000, and NSW population and private health insurance coverage statistics. Results: With the PHI reforms 15% fewer individuals would use public hospitals in 2010 than without these reforms (around 18% fewer among the 40% most affluent Australians and 9% among the 40% least affluent). Lower public hospital usage would mainly be due to Lifetime Health Cover. Conclusion: If the PHI reforms remain in place, in 2010 a significant proportion of hospital use would be redirected away from the public sector and towards the private sector, with the shift being greatest among better-off Australians.

scholarly journals Private hospital insurance status among a state-wide injured population

2006 ◽  
Vol 30 (2) ◽  
pp. 252 ◽  
Author(s):  
Fiona J Clay ◽  
Joan Ozanne-Smith
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Private Hospital ◽  
Insurance Industry ◽  
Risk Groups ◽  
Public Hospitals ◽  
Australian Government ◽  
Public And Private ◽  
Health Insurance Industry ◽  
Injured Patients

Injury is a leading cause of inpatient hospital episodes. Over a 4-year period (1997?2000) the Australian Government introduced measures to support the private health insurance industry by providing incentives for people to take up private health insurance (PHI) in order to take the pressure off public hospitals. This study examined the levels of PHI for moderately and severely injured people in Victoria as a way of determining the effectiveness of government incentives. The method involved an analysis of all Victorian public and private hospital injury admissions between July 2000 and June 2003. We found that people with injuries, either unintentional or intentional, had lower levels of PHI than state norms. While numbers of injured patients occupying private hospital beds initially increased, levels then dropped below the levels before the introduction of the incentives. The burden of injury is substantial and suggests that incentives need to be targeted towards at-risk groups.

scholarly journals Distributional impact of recent changes in private health insurance policies

2005 ◽  
Vol 29 (2) ◽  
pp. 167 ◽  
Author(s):  
Agnes Walker ◽  
Richard Percival ◽  
Linc Thurecht ◽  
James Pearse
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Private Hospital ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Income Groups ◽  
Insurance Cover ◽  
Coverage Model ◽  
Distributional Impact ◽  
The Impact

The impacts of changes to private health insurance (PHI) policies introduced since 1999 ? in particular the 30% PHI rebate and the Lifetime Health Cover ? have been much debated. We present historical analyses of the impacts in terms of the proportion of Australians having hospital insurance cover under different PHI policies, by age, gender and socioeconomic status, and project these to 2010 using a new Private Health Insurance coverage model. The combined effect of the 30% rebate and Lifetime Health Cover was to increase PHI membership from just over 30% in 1998 to just under 50% by the end of 2000, due mainly to more people taking out PHI cover from among the richest 20% of the population. Among the poorest 40% the impact was minimal. Model projections suggested that, had the new PHI policies not been introduced, then the proportion of Australians with PHI would have declined to around 20% by 2010, compared with 40% if the current arrangements remained in place. Also, analysis of 2001 survey data regarding choices to use a public or a private hospital indicated that higher income groups with or without PHI were the more likely to have used a private hospital than lower income groups. Among those with PHI, older people were more likely to have used a private hospital than younger ones.

Funding sources: an overview

2017 ◽  
Author(s):  
Jan Abel Olsen
Keyword(s):  
Health Insurance ◽  
Social Insurance ◽  
Private Health Insurance ◽  
Private Insurance ◽  
International Comparisons ◽  
Third Party ◽  
Alternative Funding ◽  
Funding Sources ◽  
Out Of Pocket Payments ◽  
Money Flows

This chapter provides an overview of alternative funding sources. It starts with the ‘three-party model’ to illustrate the money flows between households, providers, and purchasers, that is, government and private insurance as the third-party payers. The chapter distinguishes four funding sources which in sum will represent the total budget for possible healthcare expenditures: (1) patient payments (commonly referred to as ‘out-of-pocket’ payments); (2) private health insurance; (3) tax funding, including social insurance systems with payroll contributions; and (4) donations. These four sources of revenue can be explained by people’s preferences for their own health insurance as well as their willingness to cross-subsidize fellow citizens’ use of healthcare. International comparisons show wide disparities in the proportions of funding sources, primarily reflecting how wealthy a country is.

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