Arbeitspapier
Health insurance: Treatment vs. compensation
In this paper, we view health insurance as a combined hedge against the two consequences of falling ill: treatment expenditures and loss in income. We discuss how an individual’s ability when healthy affects her decision on whether to buy health insurance with treatment to full recovery if ill or with partial treatment combined with cash compensation for the resulting loss in income. We find that a high ability individual demands full recovery and is fully insured, while a low-ability individual demands partial treatment and cash compensation and is only partly insured.
- Sprache
-
Englisch
- Erschienen in
-
Series: Memorandum ; No. 2000,40
- Klassifikation
-
Wirtschaft
Analysis of Health Care Markets
Insurance; Insurance Companies; Actuarial Studies
Criteria for Decision-Making under Risk and Uncertainty
- Thema
-
Krankenversicherung
Versicherungsökonomik
Theorie
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Asheim, Geir B.
Wenche Emblem, Anne
Nilssen, Tore
- Ereignis
-
Veröffentlichung
- (wer)
-
University of Oslo, Department of Economics
- (wo)
-
Oslo
- (wann)
-
2000
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:41 MEZ
Datenpartner
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Objekttyp
- Arbeitspapier
Beteiligte
- Asheim, Geir B.
- Wenche Emblem, Anne
- Nilssen, Tore
- University of Oslo, Department of Economics
Entstanden
- 2000
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