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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. and Zmora, I. (2007) Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets. Health Economics, Policy and Law, 2 (02). p. 173.

Link to Published Version: https://doi.org/10.1017/S1744133107004124
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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.

Publication Type: Journal Article
Publisher: Cambridge University Press
Copyright: © 2006 Cambridge University Press
URI: http://researchrepository.murdoch.edu.au/id/eprint/37201
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