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Confronted with the continuing cost expansion in the health care
sector, policy makers face a dilemma: limiting moral hazard in
medical care requires that consumers participate in the cost, yet
copayment is strongly resisted by today's socially insured. Thus,
the experiences of three private German health insurers will be of
interest to physicians, social scientists, and policy makers.
Insurer A writes conventional plans with deductibles and
coinsurance; B pays back three-monthly premiums as a fixed rebate
for no claims; while C runs an experience-rated bonus system
starting with a rebate of three-monthly premiums for the first year
without a claim, reaching a maximum of five after three years.
While both rebates and bonuses are quite popular among insureds,
this study shows that bonus options are particularly effective in
limiting the demand for ambulatory and even hospital care. But what
about adverse effects on health caused by the desire to save one's
bonus? On this issue, there is some surprising evidence.
Confronted with the continuing cost expansion in the health care
sector, policy makers face a dilemma: limiting moral hazard in
medical care requires that consumers participate in the cost, yet
copayment is strongly resisted by today's socially insured. Thus,
the experiences of three private German health insurers will be of
interest to physicians, social scientists, and policy makers.
Insurer A writes conventional plans with deductibles and
coinsurance; B pays back three-monthly premiums as a fixed rebate
for no claims; while C runs an experience-rated bonus system
starting with a rebate of three-monthly premiums for the first year
without a claim, reaching a maximum of five after three years.
While both rebates and bonuses are quite popular among insureds,
this study shows that bonus options are particularly effective in
limiting the demand for ambulatory and even hospital care. But what
about adverse effects on health caused by the desire to save one's
bonus? On this issue, there is some surprising evidence.
This scarce antiquarian book is a selection from Kessinger
Publishing's Legacy Reprint Series. Due to its age, it may contain
imperfections such as marks, notations, marginalia and flawed
pages. Because we believe this work is culturally important, we
have made it available as part of our commitment to protecting,
preserving, and promoting the world's literature. Kessinger
Publishing is the place to find hundreds of thousands of rare and
hard-to-find books with something of interest for everyone
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