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Prevention and Private Health Insurance in the U.K

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  • Christophe Courbage
  • Augustin de Coulon

Abstract

This paper investigates empirically how different insurance plans affect individual behaviours in terms of prevention activities in the U.K. The data come from the British Household Panel Survey. We test if purchasing private health insurance modifies the probability of exercising, undergoing regular check-ups and smoking. Based on both simple probits and an IV strategy, our results suggest that, in the U.K., contracting private health insurance does not lead to less prevention. Copyright 2004 The International Association for the Study of Insurance Economics.

Suggested Citation

  • Christophe Courbage & Augustin de Coulon, 2004. "Prevention and Private Health Insurance in the U.K," The Geneva Papers on Risk and Insurance, The International Association for the Study of Insurance Economics, vol. 29(4), pages 719-727, October.
  • Handle: RePEc:bla:geneva:v:29:y:2004:i:4:p:719-727
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    Cited by:

    1. John Gathergood & Eleonora Fichera, "undated". "House Prices, Home Equity and Health," Discussion Papers 12/07, University of Nottingham, School of Economics.
    2. Dhaval Dave & Robert Kaestner, 2009. "Health insurance and ex ante moral hazard: evidence from Medicare," International Journal of Health Economics and Management, Springer, vol. 9(4), pages 367-390, December.
    3. Inas Rashad & Sara Markowitz, 2007. "Incentives in Obesity and Health Insurance," NBER Working Papers 13113, National Bureau of Economic Research, Inc.
    4. Robert Rosenman, 2011. "The public finance of healthy behavior," Public Choice, Springer, vol. 147(1), pages 173-188, April.
    5. Fichera, Eleonora & Sutton, Matt, 2011. "State and self investments in health," Journal of Health Economics, Elsevier, vol. 30(6), pages 1164-1173.
    6. Eleonora Fichera & John Gathergood, 2015. "Do Wealth Shocks Affect Health? New Evidence from the Housing Boom," Discussion Papers 2015/20, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM).
    7. Karolin Becker & Peter Zweifel, 2005. "Cost Sharing in Health Insurance: An Instrument for Risk Selection?," SOI - Working Papers 0513, Socioeconomic Institute - University of Zurich.
    8. Aida Isabel Tavares & Pedro Pita Barros, 2011. "Ex-ante Moral Hazard and Primary Prevention, evidence from Portugal," Working Papers de Economia (Economics Working Papers) 56, Departamento de Economia, Gestão e Engenharia Industrial, Universidade de Aveiro.
    9. Yingying Dong, 2013. "How Health Insurance Affects Health Care Demand—A Structural Analysis Of Behavioral Moral Hazard And Adverse Selection," Economic Inquiry, Western Economic Association International, vol. 51(2), pages 1324-1344, April.
    10. Stanciole, Anderson, 2007. "Health Insurance and Life Style Choices: Identifying the Ex Ante Moral Hazard," IRISS Working Paper Series 2007-10, IRISS at CEPS/INSTEAD.
    11. Yilma, Zelalem & van Kempen, Luuk & de Hoop, Thomas, 2012. "A perverse ‘net’ effect? Health insurance and ex-ante moral hazard in Ghana," Social Science & Medicine, Elsevier, vol. 75(1), pages 138-147.

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