Demand patterns for treatment insurance in Norway

Arbeitspapier

In Scandinavia, the provision of health care services has been, almost entirely, the responsibility of the public health care system. However, in the last five to seven years there has been remarkable growth in the private health care market. These health care services are obtained normally through insurance contracts. In this paper, I seek explanations for this phenomenon, using data from Norway. First, using available market data, I document that the market for private treatment insurance-often labelled as 'jump the treatment queue insurance'-is growing rapidly. Thereafter, I present a theoretical model that identifies primary drivers for individual demand for treatment insurance. The third step is to analyse a unique survey data set that is combined with aggregate county data on treatment queues. The overall results indicate that public waiting lists affect the demand for privately bought insurance, while employer-provided insurance does not seem to be affected. I find strong preference for this type of insurance among smokers and the self-employed. Moreover, income is an important determinant of insurance demand.

Object Details

• Language: Englisch

References and Relationships

• Bibliographic citation: Series: CESifo Working Paper ; No. 3021

Classification and Topics

• Classification: Wirtschaft ; Analysis of Health Care Markets ; Health Behavior ; Health: Government Policy; Regulation; Public Health ; National Government Expenditures and Health
• Subject: Private Krankenversicherung ; Nachfrage ; Gesundheitsversorgung ; Norwegen

Contributors, Places and Time

• Event: Geistige Schöpfung
• (who): Aarbu, Karl Ove
• Event: Veröffentlichung
• (who): Center for Economic Studies and ifo Institute (CESifo)
• (where): Munich
• (when): 2010

Further information

• Handle: http://hdl.handle.net/10419/38956
• Last update: 10.03.2025, 11:41 AM CET