The potential premium range of risk-rating in competitive markets for supplementary health insurance

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dc.contributor.authorPaolucci, Francesco
dc.contributor.authorPrinsze, Femmeke
dc.contributor.authorStam, Pieter J.A.
dc.contributor.authorVan de Ven, Wynand P M M
dc.date.accessioned2015-12-10T22:53:38Z
dc.date.issued2009
dc.date.updated2016-02-24T10:35:52Z
dc.description.abstractIn this paper, we simulate several scenarios of the potential premium range for voluntary (supplementary) health insurance, covering benefits which might be excluded from mandatory health insurance (MI). Our findings show that, by adding risk-factors, the minimum premium decreases and the maximum increases. The magnitude of the premium range is especially substantial for benefits such as medical devices and drugs. When removing benefits from MI policymakers should be aware of the implications for the potential reduction of affordability of voluntary health insurance coverage in a competitive market.
dc.identifier.issn1389-6563
dc.identifier.urihttp://hdl.handle.net/1885/59430
dc.publisherSpringer
dc.sourceInternational Journal of health care finance and economics
dc.subjectKeywords: article; cost; economic aspect; economics; financial management; health insurance; human; insurance; mandatory program; Netherlands; standard; statistical model; voluntary program; Deductibles and Coinsurance; Economic Competition; Financing, Government; Affordability; Competition; Risk-rating; Supplementary health insurance
dc.titleThe potential premium range of risk-rating in competitive markets for supplementary health insurance
dc.typeJournal article
local.bibliographicCitation.issue3
local.bibliographicCitation.lastpage258
local.bibliographicCitation.startpage243
local.contributor.affiliationPaolucci, Francesco, College of Medicine, Biology and Environment, ANU
local.contributor.affiliationPrinsze, Femmeke, Erasmus University
local.contributor.affiliationStam, Pieter J.A., Erasmus University
local.contributor.affiliationVan De Ven, Wynand P M M, University of Rotterdam
local.contributor.authoruidPaolucci, Francesco, u4463434
local.description.embargo2037-12-31
local.description.notesImported from ARIES
local.identifier.absfor150204 - Insurance Studies
local.identifier.ariespublicationu4105084xPUB490
local.identifier.citationvolume9
local.identifier.doi10.1007/s10754-008-9049-8
local.identifier.scopusID2-s2.0-67849119979
local.identifier.thomsonID000268250700001
local.type.statusPublished Version

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