Voluntary Health Insurance in Europe: Role and Regulation

Voluntary Health Insurance in Europe: Role and Regulation

by Anna Sagan, Sarah Thomson


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Product Details

ISBN-13: 9789289050388
Publisher: World Health Organization
Publication date: 09/30/2016
Series: A EURO Publication Series
Pages: 136
Product dimensions: (w) x 8.25(h) x (d)

About the Author

Anna Sagan

Sarah Thomson

Table of Contents

Acknowledgements vii

List of tables, boxes and figures xi

List of abbreviations xv

Note xvii

Chapter 1 Introduction 1

Chapter 2 VHI at a glance 3

Chapter 3 Why do people buy VHI? 29

3.1 What drives demand for VHI? 29

3.2 VHI plays different roles 32

Chapter 4 Who buys VHI? 49

4.1 Share of the population covered by VHI 49

4.2 Individuals versus groups 51

4.3 The socio-economic status of VHI policyholders 52

Chapter 5 How do markets for VHI work? 57

5.1 Type and number of entities selling VHI 57

5.2 Policy conditions, premiums and benefits 61

5.3 Consumer choice and information 74

5.4 Purchasing health services 77

5.5 VHI spending on health services and administration 82

Chapter 6 Public policy towards VHI 85

6.1 EU regulation 85

6.2 National regulation 89

6.3 Tax policy 94

6.4 National policy developments and concerns 97

References 101

Appendix A Data on health spending in the European Region 111

Appendix B Information on the availability of data and on data assumptions made for figures based on WHO (2016) 115

Appendix C Country codes 115

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