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上传于：2023-07-26

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一线资深工程技术教师，擅长工程技术类软件开发和运用及网络教学平台的建设。

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    188宝金博页面版: 瑞士社会健康保险：共同支付--外文翻译

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    内容提示： SWISS SOCIAL HEALTH INSURANCE: CO-PAYMENTS WORK STEFAN FELDER AND ANDREAS WERBLOW From the perspective of an insurance community,co-payments are only interesting if they affect total expenditure by a decrease in the probability or the size of damages. If the insured take preventive actions to reduce the risk or change their behavior when damages occur, their expenditure will decrease. If insurance coverage is comprehensive, important incentives for prevention and restricting damages are absent. Economists ...

    文档格式：DOCX | 页数：11 | 浏览次数：40 | 上传日期：2023-07-26 00:27:33 | 文档星级：
    SWISS SOCIAL HEALTH INSURANCE: CO-PAYMENTS WORK STEFAN FELDER AND ANDREAS WERBLOW From the perspective of an insurance community,co-payments are only interesting if they affect total expenditure by a decrease in the probability or the size of damages. If the insured take preventive actions to reduce the risk or change their behavior when damages occur, their expenditure will decrease. If insurance coverage is comprehensive, important incentives for prevention and restricting damages are absent. Economists speak of moral hazard, referring to the effect of the extent of insurance coverage on the behavior of the insured. In health insurance, the insured have a particularly large influence on the amount of services they demand. Healthy food, sufficient physical motion, prevention of stress, all these reduce the probability of an illness. Moreover, the behavior in case of an illness, i.e.the choice of therapy or the patients’compliance with the physicians’prescriptions will substantially affect health care expenditure. Do copayments reduce moral hazard in health insurance?Swiss social health insurance is an ideal candidate for studying this issue, as co-payments have a long tradition there. Characteristics of the Swiss health insurance system In Switzerland, 100 percent of the population is enrolled in the statutory (basic) health insurance system. In the complementary private insurance sector, the equivalence principle holds – the insured pay risk equivalent premiums. By comparison,community rating applies in social health insurance, i.e. every person within a sickness fund pays the same premium irrespective of his/her risk.This implies that the so-called good risks (persons whose payments exceed their expected expendisubsidize the bad risks (persons with payments below the expected expenditure). With the given health care expenditure profiles, community rating means for instance that the young subsidize the old and that men subsidize women. In contrast to Germany and other countries,Switzerland does not impose any substantial interregional redistribution in financing health care. Premiums are differentiated according to regional differences in health care expenditure. Furthermore,contributions to health insurance are not paid from the payroll but function as in other insurance sectors. Every individual – adult, adolescent or child – therefore pays his/her own premium. Nevertheless, lowincome persons receive a subsidy from the local government as well as from the federal state to pay for health insurance. The average health insurance

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