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


As the share of supplementary health insurance (SI) in health care finance is likely to grow, SI may become an increasingly attractive tool for risk-selection in basic health insurance (BI). In this paper, we develop a conceptual framework to assess the probability that insurers will use SI for favourable risk-selection 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.

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Article provided by Cambridge University Press in its journal Health Economics, Policy and Law.

Volume (Year): 2 (2007)
Issue (Month): 02 (April)
Pages: 173-192

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Handle: RePEc:cup:hecopl:v:2:y:2007:i:02:p:173-192_00
Contact details of provider: Postal: Cambridge University Press, UPH, Shaftesbury Road, Cambridge CB2 8BS UK
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