Abstract:
AIM:To examine why the demand for substitutive voluntary health insurance in Germany is low. METHOD:A comparison of the benefits and costs of statutory and voluntary health insurance in Germany, based on a review of literature published in academic journals and books as well as gray literature. RESULTS:Employees in Germany with gross earnings over 40,500 Euros a year can choose to opt out of the statutory health insurance scheme (Gesetzliche Krankenversicherung, GKV) and purchase substitutive voluntary health insurance instead. Only a quarter of these employees and their dependents actually choose to opt out; the majority remain in the GKV. Substitutive voluntary health insurance does not generally afford greater benefits than the GKV in terms of services provided or choice of insurer and only affords marginal benefits in terms of choice of provider. It is also more expensive than the GKV for people with dependents, elderly people and people in poor health. Consequently, the choice to opt out and purchase substitutive voluntary health insurance is more likely to be taken by young, healthy or single people or couples with double incomes. CONCLUSION:Our analysis suggests that the demand for substitutive voluntary health insurance in Germany is low because the costs of opting out of the GKV are, in general, higher than the benefits afforded by purchasing substitutive voluntary health insurance. In the long term substitutive voluntary health insurance does not appear to provide good value for money when compared to the GKV, particularly for people with dependents, elderly people, and people in poor health.
journal_name
Croat Med Jjournal_title
Croatian medical journalauthors
Thomson S,Busse R,Mossialos Ekeywords:
subject
Has Abstractpub_date
2002-08-01 00:00:00pages
425-32issue
4eissn
0353-9504issn
1332-8166journal_volume
43pub_type
杂志文章abstract:AIM:To update the estimate of multiple sclerosis (MS) prevalence in Croatia using multiple epidemiological tools. METHODS:This level IV, epidemiological study gathered data from three national patient registries and one database of a non-governmental MS patients' organization. Data were extracted on all individuals wh...
journal_title:Croatian medical journal
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journal_title:Croatian medical journal
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journal_title:Croatian medical journal
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doi:10.3325/cmj.2013.54.75
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journal_title:Croatian medical journal
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journal_title:Croatian medical journal
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journal_title:Croatian medical journal
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journal_title:Croatian medical journal
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doi:
更新日期:2005-04-01 00:00:00
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更新日期:2004-06-01 00:00:00
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journal_title:Croatian medical journal
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doi:
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pub_type: 杂志文章
doi:
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doi:
更新日期:2018-10-31 00:00:00
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doi:
更新日期:2006-12-01 00:00:00
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journal_title:Croatian medical journal
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doi:
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journal_title:Croatian medical journal
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doi:
更新日期:1998-09-01 00:00:00
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更新日期:2001-06-01 00:00:00
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journal_title:Croatian medical journal
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doi:
更新日期:2001-10-01 00:00:00
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journal_title:Croatian medical journal
pub_type: 杂志文章
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更新日期:2000-06-01 00:00:00
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journal_title:Croatian medical journal
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doi:
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journal_title:Croatian medical journal
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doi:
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