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


Paolucci, F; Schut, E; Beck, K; Gress, S; Van De Voorde, C; Zmora, I (2007). Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets. Health Economics, Policy and Law, (2):173-192.

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.

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.

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21 citations in Scopus®
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Additional indexing

Item Type:Journal Article, not refereed, original work
Communities & Collections:03 Faculty of Economics > Department of Economics
Dewey Decimal Classification:330 Economics
Language:English
Date:2 July 2007
Deposited On:26 Mar 2009 12:57
Last Modified:05 Apr 2016 12:31
Publisher:Cambridge University Press
ISSN:1744-1331
Additional Information:Copyright: Cambridge University Press
Publisher DOI:https://doi.org/10.1017/S1744133107004124

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