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Less social health insurance, more private supplementary insurance? Empirical evidence from Germany

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  • Augurzky, Boris
  • Tauchmann, Harald

Abstract

Based on individual level data from Germany, we analyze the effect of changes in the compulsory benefit package of the social health insurance on the demand for supplementary private insurance, employing a difference-in-differences approach. The focus is on the exclusion of dental prostheses from the benefit package in 1997 and its re-inclusion in 1999. Individuals born prior to 1979 serve as control group because only the young were affected by the reform. No significant effect on the demand for supplementary health insurance is found. Thus, the notion of clients making informed choices about their health insurances' coverage is not supported.

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Bibliographic Info

Article provided by Elsevier in its journal Journal of Policy Modeling.

Volume (Year): 33 (2011)
Issue (Month): 3 (May)
Pages: 470-480

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Handle: RePEc:eee:jpolmo:v:33:y:2011:i:3:p:470-480

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Web page: http://www.elsevier.com/locate/inca/505735

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Keywords: Supplementary private health insurance Personal responsibility Dental prostheses Difference-in-differences;

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References

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  1. Kate Bundorf, M., 2002. "Employee demand for health insurance and employer health plan choices," Journal of Health Economics, Elsevier, vol. 21(1), pages 65-88, January.
  2. Thomas Bauer & Uwe Sunde & Holger Bonin, 2004. "Dismissal Protection and Worker Flows in Small Establishments," RWI Discussion Papers 0012, Rheinisch-Westfälisches Institut für Wirtschaftsforschung.
  3. Boris Augurzky & Thomas Bauer & Sandra Schaffner, 2006. "Copayments in the German Health System – Do They Work?," RWI Discussion Papers 0043, Rheinisch-Westfälisches Institut für Wirtschaftsforschung.
  4. Correa, H. & Namkoong, K., 1992. "Determinants and effects of health policy," Journal of Policy Modeling, Elsevier, vol. 14(1), pages 41-63, February.
  5. Chamberlain, Gary, 1980. "Analysis of Covariance with Qualitative Data," Review of Economic Studies, Wiley Blackwell, vol. 47(1), pages 225-38, January.
  6. Axel Olaf Kern, 2003. "Ausgliederung von Leistungen fuer Zahnersatz aus der gesetzlichen Krankenversicherung - Eigenverantwortung der Versicherten und Folgen fuer die GKV -," Discussion Paper Series 248, Universitaet Augsburg, Institute for Economics.
  7. Marcus Tamm & Harald Tauchmann & Jürgen Wasem & Stefan Gre�, 2007. "Elasticities of market shares and social health insurance choice in germany: a dynamic panel data approach," Health Economics, John Wiley & Sons, Ltd., vol. 16(3), pages 243-256.
  8. Warshawsky, Mark J., 1999. "An Enhanced Macroeconomic Approach to Long-Range Projections of Health Care and Social Security Expenditures as a Share of GDP," Journal of Policy Modeling, Elsevier, vol. 21(4), pages 413-426, July.
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