Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets.
Health Econ Policy Law
; 2(Pt 2): 173-92, 2007 Apr.
Article
em En
| MEDLINE
| ID: mdl-18634661
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.
Texto completo:
1
Coleções:
01-internacional
Base de dados:
MEDLINE
Assunto principal:
Seleção Tendenciosa de Seguro
/
Risco Ajustado
/
Programas Obrigatórios
/
Seguro Saúde
Tipo de estudo:
Etiology_studies
/
Risk_factors_studies
Limite:
Humans
País/Região como assunto:
Europa
Idioma:
En
Revista:
Health Econ Policy Law
Ano de publicação:
2007
Tipo de documento:
Article
País de afiliação:
Holanda