Are Public and Private Health Insurance Companies Going Web 2.0? - A Complete Inventory Count in Germany

Author(s):  
Nadine Blinn ◽  
Mirko Kuhne ◽  
Markus Nuttgens
2018 ◽  
Vol 1 (2018/1) ◽  

The health insurance market in Poland reflects global trends – such as the rising awareness of personal health impact on quality of life. As a consequence, the health insurance market has seen substantial growth during the last years, which is forecasted to continue at over 20 percent more than life or P&C insurance globally. However, private health insurance has not yet unlocked its full potential.


2013 ◽  
Vol 21 (3) ◽  
pp. 267-276 ◽  
Author(s):  
Saleh A. Bawazir ◽  
Mohammed A. Alkudsi ◽  
Abdullah S. Al Humaidan ◽  
Maher A. Al Jaser ◽  
Larry D. Sasich

2015 ◽  
Vol 24 (3) ◽  
pp. 281-292 ◽  
Author(s):  
YESLAM AL-SAGGAF

Abstract:This article examines privacy threats arising from the use of data mining by private Australian health insurance companies. Qualitative interviews were conducted with key experts, and Australian governmental and nongovernmental websites relevant to private health insurance were searched. Using Rationale, a critical thinking tool, the themes and considerations elicited through this empirical approach were developed into an argument about the use of data mining by private health insurance companies. The argument is followed by an ethical analysis guided by classical philosophical theories—utilitarianism, Mill’s harm principle, Kant’s deontological theory, and Helen Nissenbaum’s contextual integrity framework. Both the argument and the ethical analysis find the use of data mining by private health insurance companies in Australia to be unethical. Although private health insurance companies in Australia cannot use data mining for risk rating to cherry-pick customers and cannot use customers’ personal information for unintended purposes, this article nonetheless concludes that the secondary use of customers’ personal information and the absence of customers’ consent still suggest that the use of data mining by private health insurance companies is wrong.


2002 ◽  
Vol 25 (6) ◽  
pp. 72 ◽  
Author(s):  
David Cromwell

Since being elected in 1996,the Coalition government has pursued a raft of policies to increase the proportion of Australians with private health insurance. Against some criteria, these policies have been a success. The proportion of Australians with private health insurance had gradually fallen from around 50%in 1984,to be around 30%in late 1998.With the introduction of a 30%rebate on health insurance, and the introduction of premiums based on a person's age at the time of joining a health fund, coverage rose to 45.9%by September 2000 and has dropped only slightly since (AIHW, 2002). Moreover, the cash reserves of the health insurance companies have improved substantially from the unhealthy levels reported in 1997 (Cormack, 2002). It has also succeeded in giving many more people the ability to make a choice about their health care (Department of Health and Aged Care, 1999).


Author(s):  
Silke Piedmont ◽  
Anna Katharina Reinhold ◽  
Jens-Oliver Bock ◽  
Enno Swart ◽  
Bernt-Peter Robra

Abstract Objectives/Background In many countries, the use of emergency medical services (EMS) increases steadily each year. At the same time, the percentage of life-threatening complaints decreases. To redesign the system, an assessment and consideration of the patients’ perspectives is helpful. Methods We conducted a paper-based survey of German EMS patients who had at least one case of prehospital emergency care in 2016. Four health insurance companies sent out the questionnaire to 1312 insured persons. We linked the self-reported data of 254 respondents to corresponding claims data provided by their health insurance companies. The analysis focuses a.) how strongly patients tend to call EMS for themselves and others given different health-related scenarios, b.) self-perceived health complaints in their own index case of prehospital emergency care and c.) subjective emergency status in combination with so-called “objective” characteristics of subsequent EMS and inpatient care. We report principal diagnoses of (1) respondents, (2) 57,240 EMS users who are not part of the survey and (3) all 20,063,689 inpatients in German hospitals. Diagnoses for group 1 and 2 only cover the inpatient stay that started on the day of the last EMS use in 2016. Results According to the survey, the threshold to call an ambulance is lower for someone else than for oneself. In 89% of all cases during their own EMS use, a third party called the ambulance. The most common, self-reported complaints were pain (38%), problems with heart and circulation (32%), and loss of consciousness (17%). The majority of respondents indicated that their EMS use was due to an emergency (89%). We could detect no or only weak associations between patients’ subjective urgency and different items for objective care. Conclusion Dispatchers can possibly optimize or reduce the disposition of EMS staff and vehicles if they spoke directly to the patients more often. Nonetheless, there is need for further research on how strongly the patients’ perceived urgency may affect the disposition, rapidness of the service and transport targets.


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