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Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia

Author

Listed:
  • Andrey Aistov

    (National Research University Higher School of Economics
    National Research University Higher School of Economics)

  • Ekaterina Aleksandrova

    (National Research University Higher School of Economics)

  • Christopher J. Gerry

    (National Research University Higher School of Economics
    University of Oxford)

Abstract

This paper contributes to the discussion around ex-post (increased utilisation of health care) and ex-ante (changes in health behaviours) moral hazard in supplemental private health insurance. Applying a range of methodologies to data from the Russian Longitudinal Monitoring Survey—Higher School of Economics we exploit a selection mechanism in the data to compare the impact of workplace provided and individually purchased supplemental health insurance on the utilisation of health care, on a range of health behaviours and on self-assessed health. We find compelling policy-relevant evidence of ex-post moral hazard that confirms a theoretical prediction and empirical regularity found in other settings. In contrast to other empirical findings though, our data reveals evidence of ex-ante moral hazard demonstrated by clear behavioural differences between those with self-funded supplemental health insurance and those for whom the workplace finances the additional insurance. We find no evidence that either form of insurance is related to improved self-assessed health.

Suggested Citation

  • Andrey Aistov & Ekaterina Aleksandrova & Christopher J. Gerry, 2021. "Voluntary private health insurance, health-related behaviours and health outcomes: evidence from Russia," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 22(2), pages 281-309, March.
  • Handle: RePEc:spr:eujhec:v:22:y:2021:i:2:d:10.1007_s10198-020-01252-2
    DOI: 10.1007/s10198-020-01252-2
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    As found by EconAcademics.org, the blog aggregator for Economics research:
    1. Chris Sampson’s journal round-up for 22nd March 2021
      by Chris Sampson in The Academic Health Economists' Blog on 2021-03-22 12:00:01

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    5. Justyna Rój & Maciej Jankowiak, 2021. "Socioeconomic Determinants of Health and Their Unequal Distribution in Poland," IJERPH, MDPI, vol. 18(20), pages 1-20, October.

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    More about this item

    Keywords

    Moral hazard; Supplemental voluntary health insurance; Health behaviours; Health outcomes; RLMS-HSE; Russia;
    All these keywords.

    JEL classification:

    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities

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