UZH-Logo

Maintenance Infos

Auftrag und Grenzen der Sozialen Krankenversicherung


Zweifel, Peter (2006). Auftrag und Grenzen der Sozialen Krankenversicherung. Perspektiven der Wirtschaftspolitik, 7(S1):5-26.

Abstract

DEUTSCH: Dieser Beitrag setzt sich zum Ziel, zwei miteinander verbundene Fragen zu
beantworten: 1. Was ist der Auftrag der Krankenversicherung? Oder in anderen
Worten: Warum gibt es eine Nachfrage nach sozialer (bzw. staatlicher)
Krankenversicherung? Ist sie der Grund dafu¨ r, dass in den meisten entwickelten
La¨ndern die private Krankenversicherung ein Schattendasein fu¨hrt?
2. Wo liegen die Grenzen der Sozialen Krankenversicherung? Kann man
sagen, es gebe ein Zuviel an Sozialer Krankenversicherung in mindestens
einer der beiden Dimensionen? Sollte ihre Vorherrschaft zu Gunsten der
privaten Krankenversicherung gebrochen werden? Ist das heutige Ausmaß
der Deckung zu hoch?


ENGLISH: This contribution seeks to answer two questions, (1) What are the reasons for a demand for social health insurance (SHI)?, and (2) What are the limits to the growth of SHI? A review of the reasons for the existence of SHI reveals that while economists have emphasized the possible contribution of SHI to efficiency, the available evidence points to public choice reasons, which also seem to explain better the growth of SHI. Indeed, since private insurance redistributes as well (albeit governed by chance), it is tempting for politicians to use SHI for systematic redistribution (the extent of which cannot easily be detected by net payers). Turning to the supply of SHI, two dimensions are studied in some detail, viz. efforts at product innovation and at risk selection. Competing suppliers of SHI, while hampered by risk adjustment which sanctions innovators for attracting the young, are predicted to invest in innovation. A monopolistic public SHI scheme, by way of contrast, does not need to select risks and, on the other hand, it is predicted to refrain from product innovation. This is but one limit to the growth of SHI; the ultimate one is citizens' lack of willingness to pay for its continuing expansion, about which some evidence for the case of Switzerland is presented.

DEUTSCH: Dieser Beitrag setzt sich zum Ziel, zwei miteinander verbundene Fragen zu
beantworten: 1. Was ist der Auftrag der Krankenversicherung? Oder in anderen
Worten: Warum gibt es eine Nachfrage nach sozialer (bzw. staatlicher)
Krankenversicherung? Ist sie der Grund dafu¨ r, dass in den meisten entwickelten
La¨ndern die private Krankenversicherung ein Schattendasein fu¨hrt?
2. Wo liegen die Grenzen der Sozialen Krankenversicherung? Kann man
sagen, es gebe ein Zuviel an Sozialer Krankenversicherung in mindestens
einer der beiden Dimensionen? Sollte ihre Vorherrschaft zu Gunsten der
privaten Krankenversicherung gebrochen werden? Ist das heutige Ausmaß
der Deckung zu hoch?


ENGLISH: This contribution seeks to answer two questions, (1) What are the reasons for a demand for social health insurance (SHI)?, and (2) What are the limits to the growth of SHI? A review of the reasons for the existence of SHI reveals that while economists have emphasized the possible contribution of SHI to efficiency, the available evidence points to public choice reasons, which also seem to explain better the growth of SHI. Indeed, since private insurance redistributes as well (albeit governed by chance), it is tempting for politicians to use SHI for systematic redistribution (the extent of which cannot easily be detected by net payers). Turning to the supply of SHI, two dimensions are studied in some detail, viz. efforts at product innovation and at risk selection. Competing suppliers of SHI, while hampered by risk adjustment which sanctions innovators for attracting the young, are predicted to invest in innovation. A monopolistic public SHI scheme, by way of contrast, does not need to select risks and, on the other hand, it is predicted to refrain from product innovation. This is but one limit to the growth of SHI; the ultimate one is citizens' lack of willingness to pay for its continuing expansion, about which some evidence for the case of Switzerland is presented.

Citations

Altmetrics

Additional indexing

Other titles:Mission and Limits of Social Health Insurance
Item Type:Journal Article, refereed
Communities & Collections:03 Faculty of Economics > Department of Economics
Dewey Decimal Classification:330 Economics
Language:German
Date:May 2006
Deposited On:11 Feb 2008 12:21
Last Modified:05 Apr 2016 12:17
Publisher:Wiley-Blackwell
ISSN:1465-6493
Publisher DOI:10.1111/j.1465-6493.2006.00214.x

Download

Full text not available from this repository.View at publisher

TrendTerms

TrendTerms displays relevant terms of the abstract of this publication and related documents on a map. The terms and their relations were extracted from ZORA using word statistics. Their timelines are taken from ZORA as well. The bubble size of a term is proportional to the number of documents where the term occurs. Red, orange, yellow and green colors are used for terms that occur in the current document; red indicates high interlinkedness of a term with other terms, orange, yellow and green decreasing interlinkedness. Blue is used for terms that have a relation with the terms in this document, but occur in other documents.
You can navigate and zoom the map. Mouse-hovering a term displays its timeline, clicking it yields the associated documents.

Author Collaborations