scholarly journals Adverse Selection and Private Health Insurance Coverage in India - A Rational Behaviour Model of Insurance Agents Under Asymmetric Information

2012 ◽  
Author(s):  
Sukumar Vellakkal
Keyword(s):  
Health Insurance ◽  
Asymmetric Information ◽  
Adverse Selection ◽  
Private Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Insurance Agents ◽  
Rational Behaviour

scholarly journals Private Health Insurance in Malaysia: Who Is Left Behind?

2021 ◽  
pp. 101053952110009
Author(s):  
Nur Zahirah Balqis-Ali ◽  
Jailani Anis-Syakira ◽  
Weng Hong Fun ◽  
Sondi Sararaks
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Home Ownership ◽  
Insurance Coverage ◽  
Binary Logistic Regression ◽  
Health Insurance Coverage ◽  
Rural Government ◽  
Lower Education Level ◽  
Current Drinker ◽  
Study Population

Despite various efforts introduced, private health insurance coverage is still low in Malaysia. The objective of this article is to find the factors associated with not having a private health insurance in Malaysia. We analyze data involving 19 959 respondents from the 2015 National Health Morbidity Survey. In this article, we describe the prevalence of not having health insurance and conducted binary logistic regression to identify determinants of uninsured status. A total of 56.6% of the study population was uninsured. After adjusting for other variables, the likelihood of being uninsured was higher among those aged 50 years and above, females, Malay/other Bumiputra ethnicities, rural, government/semigovernment, self-employed, unpaid workers and retirees, unemployed, lower education level, without home ownership and single/widowed/divorced, daily smoker, underweight body mass index, and current drinker. The likelihood of being uninsured also increased with increasing household size while the inversed trend was seen for household income. A substantial proportion of population in Malaysia did not have private health insurance, and these subgroups have limited preferential choices for provider, facility, and care.

Drivers of potentially avoidable emergency admissions in Ireland: an ecological analysis

2018 ◽  
Vol 28 (6) ◽  
pp. 438-448 ◽  
Author(s):  
Brenda Lynch ◽  
Anthony P Fitzgerald ◽  
Paul Corcoran ◽  
Claire Buckley ◽  
Orla Healy ◽  
...  
Keyword(s):  
Health Insurance ◽  
Health System ◽  
Private Health Insurance ◽  
Insurance Coverage ◽  
Emergency Admission ◽  
Health Insurance Coverage ◽  
County Level ◽  
Emergency Admissions ◽  
Admission Rates ◽  
System Factors

BackgroundMany emergency admissions are deemed to be potentially avoidable in a well-performing health system.ObjectiveTo measure the impact of population and health system factors on county-level variation in potentially avoidable emergency admissions in Ireland over the period 2014–2016.MethodsAdmissions data were used to calculate 2014–2016 age-adjusted emergency admission rates for selected conditions by county of residence. Negative binomial regression was used to identify which a priori factors were significantly associated with emergency admissions for these conditions and whether these factors were also associated with total/other emergency admissions. Standardised incidence rate ratios (IRRs) associated with a 1 SD change in risk factors were reported.ResultsNationally, potentially avoidable emergency admissions for the period 2014–2016 (266 395) accounted for 22% of all emergency admissions. Of the population factors, a 1 SD change in the county-level unemployment rate was associated with a 24% higher rate of potentially avoidable emergency admissions (IRR: 1.24; 95% CI 1.04 to 1.41). Significant health system factors included emergency admissions with length of stay equal to 1 day (IRR: 1.20; 95% CI 1.11 to 1.30) and private health insurance coverage (IRR: 0.92; 95% CI 0.89 to 0.96). The full model accounted for 50% of unexplained variation in potentially avoidable emergency admissions in each county. Similar results were found across total/other emergency admissions.ConclusionThe results suggest potentially avoidable emergency admissions and total/other emergency admissions are primarily driven by socioeconomic conditions, hospital admission policy and private health insurance coverage. The distinction between potentially avoidable and all other emergency admissions may not be as useful as previously believed when attempting to identify the causes of regional variation in emergency admission rates.

scholarly journals Health Insurance Coverage and Adverse Selection

2011 ◽  
pp. 225-231 ◽  
Author(s):  
Philippe Lambert ◽  
Sergio Perelman ◽  
Pierre Pestieau ◽  
Jérôme Schoenmaeckers
Keyword(s):  
Health Insurance ◽  
Adverse Selection ◽  
Insurance Coverage ◽  
Health Insurance Coverage

scholarly journals Determinants of self-rated private health insurance coverage in Jamaica

Health ◽  
2010 ◽  
Vol 02 (06) ◽  
pp. 541-550 ◽  
Author(s):  
Paul A. Bourne ◽  
Maureen D. Kerr-Campbell
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage

Sex, Lies, and Health Insurance: Employer-Provided Health Insurance Coverage of Abortion and Infertility Services and the ADA

1996 ◽  
Vol 22 (1) ◽  
pp. 51-84
Author(s):  
D'Andra Millsap
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
The United States ◽  
Infertility Treatment ◽  
Insurance Contracts ◽  
Access To Health ◽  
Infertility Treatments ◽  
Infertile Couples

Employer-provided health insurance is the backbone of the American healthcare system. Approximately four of five workers in the United States rely on health insurance provided in the workplace. Many commentators view access to health insurance as the doorway to the entire health care system. Thus, the benefits covered in employer-provided health insurance plans significantly impact millions of Americans.While private health insurance usually covers abortion, it traditionally has not covered infertility services. Eventually, courts began interpreting insurance contracts to include infertility treatments, leading insurers to specifically exclude infertility treatments from coverage. In response, a few states have passed mandated benefit laws requiring coverage of some or all infertility services. Nonetheless, current insurance coverage of infertility services is “erratic” at best. These exclusions are significant because abortion and infertility services can be quite expensive for the millions of infertile couples seeking some sort of infertility treatment and the millions of women who have abortions each year.

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