Supplementary health insurance as a tool for risk-selection in mandatory basic health insurance markets

Francesco Paolucci, Erik Schut, Konstantin Beck, Stefan Gress, Carine van de Voorde, Irit Zmora

Research output: Contribution to journalArticlepeer-review

27 Citations (Scopus)
2 Downloads (Pure)

Abstract

As the share of supplementary health insurance (SI) in health care finance is likely to grow, SI may become an increasingly attractive tool for riskselection in basic health insurance (BI). In this paper, we develop a conceptual framework to assess the probability that insurers will use SI for favourable riskselection in BI. We apply our framework to five countries in which risk-selection via SI is feasible: Belgium, Germany, Israel, the Netherlands, and Switzerland. For each country, we review the available evidence of SI being used as selection device. We find that the probability that SI is and will be used for risk-selection substantially varies across countries. Finally, we discuss several strategies for policy makers to reduce the chance that SI will be used for risk-selection in BI markets.
Original languageEnglish
Pages (from-to)173-192
JournalHealth Economics, Policy and Law
Volume2
Issue number02
DOIs
Publication statusPublished - 2007

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