Should catastrophic risks be included in a regulated competitive health insurance market ?
In 1988 the Dutch government launched a proposal for a national health insurance based on regulated competition.
The mandatory benefits package should be offered by competing insurers and should cover both non-catastrophic risks (like hospital care, physician services and drugs) and catastrophic risks (like several forms of expensive long-term care).
However, there are two arguments to exclude some of the catastrophic risks from the competitive insurance market, at least during the implementation process of the reforms.
Firstly, the prospects for a workable system of risk-adjusted payments to the insurers that should take away the incentives for cream skimming are, at least during the next 5 years, more favorable for the non-catastrophic risks than for the catastrophic risks.
Mots-clés Pascal : Assurance maladie, Economie santé, Compétition, Système santé, Pays Bas, Qualité, Soin, Réforme, Tiers payant, Europe
Mots-clés Pascal anglais : Health insurance, Health economy, Competition, Health system, Netherlands, Quality, Care, Europe
Notice produite par :
Inist-CNRS - Institut de l'Information Scientifique et Technique
Cote : 94-0680476
Code Inist : 002B30A01B. Création : 09/06/1995.