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Alles nur Selektion?: Der Einfluss von Selbstbehalten in der Gesetzlichen Krankenversicherung

  • Andreas Werblow

In Deutschland besteht seit einiger Zeit ein parteiübergreifender Konsens, dass Änderungen in der Gesetzlichen Krankenversicherung angesichts stetig steigender Ausgaben unausweichlich sind. Aus gesundheitsökonomischer Sicht bietet sich eine Option besonders an: die Beteiligung der Patienten an den Kosten medizinischer Leistungen. Dadurch entstünden finanzielle Anreize, vermehrt Krankheitsvorsorge zu betreiben und sich bei Erkrankung kostenbewusster zu verhalten. Die Arbeit untersucht den Einfluss von wählbaren Selbstbehalten auf das Verhalten der Versicherten in der Gesetzlichen Krankenversicherung der Schweiz. Im Gegensatz zu Schellhorn (2001, 2002a) zeigen unsere Ergebnisse einen signifikanten Effekt der Kostenbeteiligung auf die Nachfrage nach medizinischen Leistungen.

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File URL: http://ejournals.duncker-humblot.de/doi/pdf/10.3790/vjh.71.4.427
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Article provided by DIW Berlin, German Institute for Economic Research in its journal Vierteljahrshefte zur Wirtschaftsforschung.

Volume (Year): 71 (2002)
Issue (Month): 4 ()
Pages: 427-436

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Handle: RePEc:diw:diwvjh:71-40-3
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  1. Chiappori, P.A. & Durand, F. & Geoffard, P.Y., 1998. "Moral Hazard and the Demand for Physician Services: First Lessons from a French Natural Experiment," DELTA Working Papers 98-05, DELTA (Ecole normale supérieure).
  2. Manning, Willard G, et al, 1987. "Health Insurance and the Demand for Medical Care: Evidence from a Randomized Experiment," American Economic Review, American Economic Association, vol. 77(3), pages 251-77, June.
  3. Cutler, David M. & Zeckhauser, Richard J., 2000. "The anatomy of health insurance," Handbook of Health Economics, in: A. J. Culyer & J. P. Newhouse (ed.), Handbook of Health Economics, edition 1, volume 1, chapter 11, pages 563-643 Elsevier.
  4. Zweifel, Peter & Manning, Willard G., 2000. "Moral hazard and consumer incentives in health care," Handbook of Health Economics, in: A. J. Culyer & J. P. Newhouse (ed.), Handbook of Health Economics, edition 1, volume 1, chapter 8, pages 409-459 Elsevier.
  5. Alberto HOLLY & Lucien GARDIOL & Gianfranco DOMENIGHETTI & Brigitte BISIG, 1998. "An Econometric Model of Health Care Utilization and Health Insurance in Switzerland," Cahiers de Recherches Economiques du Département d'Econométrie et d'Economie politique (DEEP) 9803, Université de Lausanne, Faculté des HEC, DEEP.
  6. Martin Schellhorn, 2001. "The effect of variable health insurance deductibles on the demand for physician visits," Health Economics, John Wiley & Sons, Ltd., vol. 10(5), pages 441-456.
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