Bonus options in health insurance

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      <subfield code="c">by Peter Zweifel ; with the assistance of Otto Waser</subfield>
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      <subfield code="a">Confronted with the continuing cost expansion in the health care sector, policy makers face a dilemma: limiting moral hazard in medical care requires that consumers participate in the cost, yet copayment is strongly resisted by today's socially insured. Thus, the experiences of three private German health insurers will be of interest to physicians, social scientists, and policy makers. Insurer A writes conventional plans with deductibles and coinsurance; B pays back three-monthly premiums as a fixed rebate for no claims; while C runs an experience-rated bonus system starting with a rebate of three-monthky premiums for the first year without a claim, reaching a maximum of five after three years</subfield>
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