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Bonus Options in Health Insurance

  • Book
  • © 1992

Overview

Authors:
  1. Peter Zweifel

    1. Department of Economics, University of Zürich, Switzerland

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Part of the book series: Developments in Health Economics and Public Policy (HEPP, volume 2)

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Table of contents (9 chapters)

  1. Front Matter

    Pages i-xii
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  2. Overview and key statements of the study

    • Peter Zweifel
    Pages 1-7

  3. Institutional framework, issues, and results

    • Peter Zweifel
    Pages 8-16

  4. Health insurance options from the point of view of the consumer

    • Peter Zweifel
    Pages 17-24

  5. Insurer A: Traditional cost sharing

    • Peter Zweifel
    Pages 25-41

  6. Insurer B: Fixed rebates for no claims

    • Peter Zweifel
    Pages 42-63

  7. Self-selection of risks with insurers A and B?

    • Peter Zweifel
    Pages 64-69

  8. Insurer C: The dynamic bonus system

    • Peter Zweifel
    Pages 70-78

  9. First-dollar coverage, fixed rebate, and dynamic bonus compared

    • Peter Zweifel
    Pages 79-103

  10. Bonus options in social health insurance?

    • Peter Zweifel
    Pages 104-111

  11. Back Matter

    Pages 112-143
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Keywords

About this book

Confronted with the continuing cost expansion in the health care sector, policy makers face a dilemma: limiting moral hazard in medical care requires that consumers participate in the cost, yet copayment is strongly resisted by today's socially insured. Thus, the experiences of three private German health insurers will be of interest to physicians, social scientists, and policy makers. Insurer A writes conventional plans with deductibles and coinsurance; B pays back three-monthly premiums as a fixed rebate for no claims; while C runs an experience-rated bonus system starting with a rebate of three-monthly premiums for the first year without a claim, reaching a maximum of five after three years. While both rebates and bonuses are quite popular among insureds, this study shows that bonus options are particularly effective in limiting the demand for ambulatory and even hospital care. But what about adverse effects on health caused by the desire to save one's bonus? On this issue, there is some surprising evidence.

Reviews

'It is an economic study as it should be: clear questions are raised, hypotheses are derived from theoretical models, and the hypotheses are tested with empirical data.' Health Economics 2:1 1993

Authors and Affiliations

  • Department of Economics, University of Zürich, Switzerland

    Peter Zweifel

Bibliographic Information

  • Book Title: Bonus Options in Health Insurance

  • Authors: Peter Zweifel

  • Series Title: Developments in Health Economics and Public Policy

  • DOI: https://doi.org/10.1007/978-94-011-2530-7

  • Publisher: Springer Dordrecht

  • eBook Packages: Springer Book Archive

  • Copyright Information: Springer Science+Business Media Dordrecht 1992

  • Hardcover ISBN: 978-0-7923-1722-7Published: 31 May 1992

  • Softcover ISBN: 978-94-010-5117-0Published: 25 September 2012

  • eBook ISBN: 978-94-011-2530-7Published: 06 December 2012

  • Series ISSN: 0927-4987

  • Edition Number: 1

  • Number of Pages: XII, 143

  • Topics: Finance, general, Economic Policy, Industrial Organization

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