| 期刊全称 | Bonus Options in Health Insurance | | 影响因子2023 | Peter Zweifel | | 视频video | | | 学科分类 | Developments in Health Economics and Public Policy | | 图书封面 |  | | 影响因子 | 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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发表于 2025-3-21 19:22:01
