Arbeitspapier
Risk Selection and Complementary Health Insurance: The Swiss Approach
A common approach to avoid risk selection in health insurance markets is to define and enforce a community-rated basic benefit package. The market for complementary insurance is usually completely separate from the market for basic health insurance. In Switzerland, however, the basic benefit package and complementary insurance are offered by the same insurer. Risk-based premiums are allowed with respect to complementary insurance. In this paper, the Swiss integration approach is compared to the separation approach. It is shown that under the integration approach insurers creamskim by selling complementary insurance to low risks at a discount. Nevertheless, the integration approach can be Pareto-superior if the cost savings due to the integration of basic and complementary insurance are sufficiently large.
- Sprache
-
Englisch
- Erschienen in
-
Series: Diskussionsbeiträge - Serie I ; No. 328
- Klassifikation
-
Wirtschaft
Health: Government Policy; Regulation; Public Health
National Government Expenditures and Health
- Thema
-
health insurance
risk selection
complementary insurance
Krankenversicherung
Gesetzliche Krankenversicherung
Versicherungstechnisches Risiko
Adverse Selection
Schweiz
Zusatzversicherung
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Kifmann, Mathias
- Ereignis
-
Veröffentlichung
- (wer)
-
Universität Konstanz, Fachbereich Wirtschaftswissenschaften
- (wo)
-
Konstanz
- (wann)
-
2005
- Handle
- URN
-
urn:nbn:de:bsz:352-opus-14295
- Letzte Aktualisierung
-
10.03.2025, 11:42 MEZ
Datenpartner
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Kifmann, Mathias
- Universität Konstanz, Fachbereich Wirtschaftswissenschaften
Entstanden
- 2005
Ähnliche Objekte (12)
Risk-based selection and unemployment insurance: Evidence and implications
Risk Selection under Public Health Insurance with Opt-out
Risk selection into supplemental private health insurance in China
Selection biases in complementary R&D projects
Cost sharing in health insurance: An instrument for risk selection?
Time, Risk, Precommitment, and Adverse Selection in Competitive Insurance Markets
Risk selection in natural disaster insurance : the case of France
Swiss Unemployment Insurance Micro Data
Swiss Unemployment Insurance Micro Data
Swiss Unemployment Insurance Micro Data
Can Risk Adjustment prevent Risk Selection in a Competitive Long-Term Care Insurance Market?
Long-Term Care Insurance: Knowledge Barriers, Risk Perception and Adverse Selection
Risk-based selection and unemployment insurance: Evidence and implications
Risk Selection under Public Health Insurance with Opt-out
Risk selection into supplemental private health insurance in China
Selection biases in complementary R&D projects
Cost sharing in health insurance: An instrument for risk selection?
Time, Risk, Precommitment, and Adverse Selection in Competitive Insurance Markets
Risk selection in natural disaster insurance : the case of France
Swiss Unemployment Insurance Micro Data
Swiss Unemployment Insurance Micro Data
Swiss Unemployment Insurance Micro Data
Can Risk Adjustment prevent Risk Selection in a Competitive Long-Term Care Insurance Market?
Long-Term Care Insurance: Knowledge Barriers, Risk Perception and Adverse Selection
Risk-based selection and unemployment insurance: Evidence and implications
Risk Selection under Public Health Insurance with Opt-out
Risk selection into supplemental private health insurance in China
Selection biases in complementary R&D projects
Cost sharing in health insurance: An instrument for risk selection?
Time, Risk, Precommitment, and Adverse Selection in Competitive Insurance Markets
Risk selection in natural disaster insurance : the case of France
Swiss Unemployment Insurance Micro Data
Swiss Unemployment Insurance Micro Data
Swiss Unemployment Insurance Micro Data
Can Risk Adjustment prevent Risk Selection in a Competitive Long-Term Care Insurance Market?