Less Social Health Insurance – More Private Supplementary Insurance? – Empirical Evidence from Germany
AbstractThis paper uses individual level data to analyze the effect of changes in the compulsory benefit package of the German statutory health insurance scheme on the demand for private supplementary insurance. In particular, we aim at measuring the effect of excluding dentures from the benefit package in 1997 as well as the effect of re-including them in 1999.Adifference-in-differences estimator is used. Individuals born prior to 1979 serve as control group because only the young were affected by the reform.Our results do not exhibit any significant effects on the demand for supplementary health insurance. Thus, the hypothesis that clients do make informed choices about their health insurances’ coverage is not supported.
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Bibliographic InfoPaper provided by Rheinisch-Westfälisches Institut für Wirtschaftsforschung, Ruhr-Universität Bochum, Universität Dortmund, Universität Duisburg-Essen in its series Ruhr Economic Papers with number 0046.
Length: 21 pages
Date of creation: May 2008
Date of revision:
Other versions of this item:
- Augurzky, Boris & Tauchmann, Harald, 2011. "Less social health insurance, more private supplementary insurance? Empirical evidence from Germany," Journal of Policy Modeling, Elsevier, vol. 33(3), pages 470-480, May.
- I12 - Health, Education, and Welfare - - Health - - - Health Production
- P23 - Economic Systems - - Socialist Systems and Transition Economies - - - Factor and Product Markets; Industry Studies; Population
This paper has been announced in the following NEP Reports:
- NEP-ALL-2008-05-17 (All new papers)
- NEP-HEA-2008-05-17 (Health Economics)
- NEP-IAS-2008-05-17 (Insurance Economics)
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