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Bonus Options in Health Insurance
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Publisher:Springer
Publication Date:1992-05-31
ISBN-10:079231722X
ISBN-13:9780792317227
Number of Pages:160 Pages
Book Type:hardcover
Weight:403 gram
Books Dimensions:234 x 156 x 12 mm
Format of ebooks: PDF(Acrobat Reader) or Word version doc Document
Brief introduction of ebooks
Bonus Options in Health Insurance


With continuing cost expansion in the health care sector, policy makers face an insurance dilemma. While Bonuses and rebates are quite popular among insurers, this study aims to show that Bonus options are particularly effective in limiting the demands for ambulatory and hospital care.
Abstract
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.

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