The potential premium range of risk-rating in competitive markets for supplementary health insurance

Francesco Paolucci; Femmeke Prinsze; Pieter J.A. Stam; Wynand P.M.M. van de Ven

doi:10.1007/s10754-008-9049-8

The potential premium range of risk-rating in competitive markets for supplementary health insurance

Francesco Paolucci^*, Femmeke Prinsze, Pieter J.A. Stam, Wynand P.M.M. van de Ven

^*Corresponding author for this work

Research output: Contribution to journal › Article › peer-review

3 Citations (Scopus)

Abstract

In this paper, we simulate several scenarios of the potential premium range for voluntary (supplementary) health insurance, covering benefits which might be excluded from mandatory health insurance (MI). Our findings show that, by adding risk-factors, the minimum premium decreases and the maximum increases. The magnitude of the premium range is especially substantial for benefits such as medical devices and drugs. When removing benefits from MI policymakers should be aware of the implications for the potential reduction of affordability of voluntary health insurance coverage in a competitive market.

Original language	English
Pages (from-to)	243-258
Number of pages	16
Journal	International Journal of Health Care Finance and Economics
Volume	9
Issue number	3
DOIs	https://doi.org/10.1007/s10754-008-9049-8
Publication status	Published - 2009

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The potential premium range of risk-rating in competitive markets for supplementary health insurance

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