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

Paolucci, Francesco, Prinsze, Femmeke, Stam, Pieter and van de Ven, Wynand (2009) The potential premium range of risk-rating in competitive markets for supplementary health insurance. International Journal of Health Care Finance and Economics, 9 (3). pp. 243-258. ISSN 1389-6563

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Official URL: http://dx.doi.org/10.1007/s10754-008-9049-8

Abstract

In 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.

Item Type: Article
Uncontrolled Keywords: competition, affordability
Subjects: B900 Others in Subjects allied to Medicine
L100 Economics
Department: Faculties > Health and Life Sciences > Nursing, Midwifery and Health
Depositing User: Ay Okpokam
Date Deposited: 17 Apr 2012 09:00
Last Modified: 24 Oct 2017 11:48
URI: http://nrl.northumbria.ac.uk/id/eprint/6216

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