scholarly journals Transfer Payment Systems and Financial Distress: Insights from Health Insurance Premium Subsidies

2020 ◽  
Author(s):  
Christian P.R Schmid ◽  
Nicolas Schreiner ◽  
Alois Stutzer
Keyword(s):  
Health Insurance ◽  
Financial Distress ◽  
Insurance Premium ◽  
Transfer Payment ◽  
Payment Systems ◽  
Health Insurance Premium

scholarly journals The Effect of Medical Test to Belief Updating and Willingness to Pay for Health Insurance Premium: Evidences from Laboratory Experiment

2017 ◽  
Vol 10 (1) ◽  
pp. 41-51
Author(s):  
Restiatun Massardi ◽  
Artidiatun Adji ◽  
Rimawan Pradiptyo
Keyword(s):  
Blood Pressure ◽  
Health Insurance ◽  
Treatment Group ◽  
Willingness To Pay ◽  
Insurance Premium ◽  
Control Group ◽  
Belief Updating ◽  
Medical Tests ◽  
Health Insurance Premium ◽  
Posterior Belief

Purpose: The objective of this study is to analyze the effect of the results of medical tests on three health indicators, i.e. blood pressure, cholesterol level, and blood glucose level, for belief updating and willingness to pay for health insurance. Specifically, this study examined whether individuals update their belief on their health status after being informed the results of their medical tests. This study also investigated whether there is a significant difference between the willingness to pay for the individuals who were informed about the results of their medical tests and of individuals who were not informed about the results of their medical tests. Approach: This study utilizes laboratory experiments. There are two groups in the experiments: the treatment group and the control group. The individuals in the treatment group receive information on the results of the medical tests which cover blood pressure, glucose level and cholesterol level tests. The individuals in the control group do not receive any information. We compare the willingness to pay between the treatment group and the control group. Results: There are significant differences in the value of willingness to pay for health insurance premium based on prior belief (individuals’ belief prior to the medical tests) and on posterior belief (individuals’ belief after the medical tests) between control group and treatment group. Belief updating occurs when there is a difference between prior belief and posterior belief due the presence of an event. Value: This work contributes to the better understanding about the individual decision making on health insurance purchase. Conclusion: The medical tests on blood pressure, cholesterol level, and glucose level significantly affect the willingness to pay for health insurance premium. There are significant changes in individual’s posterior belief due to the information provided by the medical tests. An individual’s willingness to pay for health insurance premium may change due to a change in his or her health status belief.

scholarly journals Mixed Methods Research for Health Policy Development in Africa: The Case of Identifying Very Poor Households for Health Insurance Premium Exemptions in Ghana

2016 ◽  
Vol 13 (1) ◽  
pp. 69-84 ◽  
Author(s):  
Kennedy A. Alatinga ◽  
John J. Williams
Keyword(s):  
Health Policy ◽  
Health Insurance ◽  
Mixed Methods ◽  
Policy Development ◽  
Mixed Methods Research ◽  
Health Care Services ◽  
Insurance Premium ◽  
District Health ◽  
Poor Households ◽  
Health Insurance Premium

Despite the utility of applying mixed methods research to understand complex phenomenon, few studies have applied this approach to health policy and in Africa. This article illustrates the application of mixed methods research to inform health policy in Ghana with the intent of complementarity. Through an exploratory sequential mixed methods research design involving 24 focus group interviews and 417 household surveys, we developed criteria for identifying very poor households for health insurance premium exemptions in Ghana. The qualitative procedures identified communities’ concerns regarding being very poor: food insecurity, lack of seeds to sow, compromised access to education, financial insecurity, and status as unemployed widows with children. The survey findings illustrated the distribution and predictors of poverty in the Kassena-Nankana District. Based on these findings, the authors proposed a four-question survey for the Kassena-Nankana District Health Insurance Scheme to administer to determine extreme poverty. Based on these recommendations, the local government has a unique opportunity to increase the very poor’s access to and utilization of health care services.

Analysis of Private Health Insurance Premium Growth Rates

Medical Care ◽  
1995 ◽  
Vol 33 (10) ◽  
pp. 1035-1050 ◽  
Author(s):  
Paul J. Feldstein ◽  
Thomas M. Wickizer
Keyword(s):  
Health Insurance ◽  
Growth Rates ◽  
Private Health Insurance ◽  
Insurance Premium ◽  
Health Insurance Premium

scholarly journals Primary Non-adherence to Pharmacotherapy Among Patients With Chronic Diseases: A Case Study of Slovakia

2021 ◽  
Author(s):  
Tomáš Szalay ◽  
Petra Ištokovičová ◽  
Roman Mužik ◽  
Veronika Knapčoková ◽  
Beáta Benková
Keyword(s):  
Health Insurance ◽  
Medical Treatment ◽  
Chronic Diseases ◽  
Geographic Location ◽  
Insurance Premium ◽  
High Rate ◽  
Adherence Rate ◽  
Prescription Data ◽  
Health Insurance Premium

Abstract BackgroundePrescription enables to investigate primary non-adherence (PNA) to pharmacotherapy by studying the percentage of prescriptions which have been issued (a prescription record present) but not dispensed in a pharmacy (a dispensation record missing) out of a total number of registered prescriptions. Identification of non-adherence enables to analyze its causes and target them efficiently.MethodsThis paper investigates PNA rate for prescriptions issued to patients with chronic diseases such as hypertension, diabetes mellitus and hypercholesterolemia (N=108 735), and its dependence on the following variables: geographic location, age, sex, social status, physicians specialty and the level of patient‘s co-payment for medications. The presented dataset comprises a private health insurance company’s prescription data collected over a period of 12 months (January 2018 – December 2018).ResultsThe PNA rate for ePrescriptions issued to patients with the above-mentioned chronic diseases reached up to 4.0%. In general, the PNA rate showed decrease with increasing comorbidity as well as with age. Primary non-adherence rates were lowest for the prescriptions written by general practitioners (3.6%). Among health insurance premium defaulters who pay the full price of prescribed medications, the PNA rate showed decrease with their cost. Significantly higher PNA rate was observed among premium payers (40.4%) compared with premium defaulters (3.5%).ConclusionsInterestingly, the very high rate of adherence among patients with chronic diseases exceeds the numbers previously reported in the literature, where adherence rate ≥80% is described as ‘good’ adherence. This could be partially explained by the fact that the present study included only chronic-disease patients undergoing a medical treatment – non-diagnosed patients or patients without a medical treatment were not considered.

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