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Titlebook: Bonus Options in Health Insurance; Peter Zweifel Book 1992 Springer Science+Business Media Dordrecht 1992 health.health care.hospital

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發(fā)表于 2025-3-21 19:22:01 | 只看該作者 |倒序?yàn)g覽 |閱讀模式
期刊全稱Bonus Options in Health Insurance
影響因子2023Peter Zweifel
視頻videohttp://file.papertrans.cn/190/189751/189751.mp4
學(xué)科分類Developments in Health Economics and Public Policy
圖書封面Titlebook: Bonus Options in Health Insurance;  Peter Zweifel Book 1992 Springer Science+Business Media Dordrecht 1992 health.health care.hospital
影響因子Confronted with the continuing cost expansion in the healthcare sector, policy makers face a dilemma: limiting moral hazard inmedical care requires that consumers participate in the cost, yetcopayment is strongly resisted by today‘s socially insured. Thus, theexperiences of three private German health insurers will be ofinterest to physicians, social scientists, and policy makers. InsurerA writes conventional plans with deductibles and coinsurance; B paysback three-monthly premiums as a fixed rebate for no claims; while Cruns an experience-rated bonus system starting with a rebate ofthree-monthly premiums for the first year without a claim, reaching amaximum of five after three years. While both rebates and bonuses arequite popular among insureds, this study shows that bonus options areparticularly effective in limiting the demand for ambulatory and evenhospital care. But what about adverse effects on health caused by thedesire to save one‘s bonus? On this issue, there is some surprisingevidence. .
Pindex Book 1992
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First-dollar coverage, fixed rebate, and dynamic bonus compared,In this chapter, the comparative predictions concerning the incentive effects of plans written by insurers A, B, and C are subjected to a direct empirical test. Specifically, the statistical analysis is designed to check.for their empirical validity despite the fact they are derived from admittedly simplistic models of behavior.
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Stefan Szücs Ph.D.,Lars Str?mbergry, hospital, and dental care. In what follows emphasis will be on ambulatory care because it is there that different cost-sharing provisions exist. There are two types of contracts, one with varying deductibles (from 0 to DM 1,500 per year), and another with coinsurance rates of 20, 30 and 40 per c
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