Centro de Documentacion de Fundación MAPFRE - Demand and selection effects in supplemental health insurance in Germany

MAP20170005223

Demand and selection effects in supplemental health insurance in Germany / Renate Lange, Jörg Schiller and Petra Steinorth

Sumario: This paper empirically assesses selection effects and determinants of the demand for supplemental health insurance that covers hospital and dental benefits in Germany. Our representative data set provides doctor-diagnosed indicators of the individual¿s health status, risk attitude, demand for medical services and insurance purchases in other lines of insurance, as well as rich demographic and socio-economic information. Controlling for a wide range of individual preferences, we find evidence that individuals aged 65 and younger with hospital coverage are sicker than those without. In addition, insurance propensity and income are the most important drivers of the demand for supplemental hospital and dental coverage.

En: Geneva papers on risk and insurance : issues and practice. - Geneva : The Geneva Association, 1976- = ISSN 1018-5895. - 02/01/2017 Volumen 42 Número 1 - enero 2017 , p. 5-30

1. Seguro de salud . 2. Selección de riesgos . 3. Asistencia sanitaria . 4. Pólizas dentales . 5. Alemania . I. Title.