| Title |
Potential determinants of deductible uptake in health insurance: How to increase uptake in The Netherlands?
|
|---|---|
| Published in |
HEPAC Health Economics in Prevention and Care, November 2015
|
| DOI | 10.1007/s10198-015-0745-2 |
| Pubmed ID | |
| Authors |
K. P. M. van Winssen, R. C. van Kleef, W. P. M. M. van de Ven |
| Abstract |
In health insurance, voluntary deductibles are offered to the insured in return for a premium rebate. Previous research has shown that 11 % of the Dutch insured opted for a voluntary deductible (VD) in health insurance in 2014, while the highest VD level was financially profitable for almost 50 % of the population in retrospect. To explain this discrepancy, this paper identifies and discusses six potential determinants of the decision to opt for a VD from the behavioral economic literature: loss aversion, risk attitude, ambiguity aversion, debt aversion, omission bias, and liquidity constraints. Based on these determinants, five potential strategies are proposed to increase the number of insured opting for a VD. Presenting the VD as the default option and providing transparent information regarding the VD are the two most promising strategies. If, as a result of these strategies, more insured would opt for a VD, moral hazard would be reduced. |
X Demographics
The data shown below were collected from the profile of 1 X user who shared this research output. Click here to find out more about how the information was compiled.
Geographical breakdown
| Country | Count | As % |
|---|---|---|
| Unknown | 1 | 100% |
Demographic breakdown
| Type | Count | As % |
|---|---|---|
| Members of the public | 1 | 100% |
Mendeley readers
The data shown below were compiled from readership statistics for 78 Mendeley readers of this research output. Click here to see the associated Mendeley record.
Geographical breakdown
| Country | Count | As % |
|---|---|---|
| Unknown | 78 | 100% |
Demographic breakdown
| Readers by professional status | Count | As % |
|---|---|---|
| Student > Master | 16 | 21% |
| Student > Bachelor | 11 | 14% |
| Researcher | 7 | 9% |
| Student > Doctoral Student | 6 | 8% |
| Professor > Associate Professor | 4 | 5% |
| Other | 13 | 17% |
| Unknown | 21 | 27% |
| Readers by discipline | Count | As % |
|---|---|---|
| Economics, Econometrics and Finance | 20 | 26% |
| Psychology | 8 | 10% |
| Social Sciences | 8 | 10% |
| Medicine and Dentistry | 7 | 9% |
| Business, Management and Accounting | 5 | 6% |
| Other | 9 | 12% |
| Unknown | 21 | 27% |
Attention Score in Context
This research output has an Altmetric Attention Score of 10. This is our high-level measure of the quality and quantity of online attention that it has received. This Attention Score, as well as the ranking and number of research outputs shown below, was calculated when the research output was last mentioned on 07 April 2021.
All research outputs
#3,665,243
of 25,604,262 outputs
Outputs from HEPAC Health Economics in Prevention and Care
#229
of 1,310 outputs
Outputs of similar age
#57,390
of 395,677 outputs
Outputs of similar age from HEPAC Health Economics in Prevention and Care
#5
of 22 outputs
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So far Altmetric has tracked 1,310 research outputs from this source. They typically receive a little more attention than average, with a mean Attention Score of 6.7. This one has done well, scoring higher than 82% of its peers.
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We're also able to compare this research output to 22 others from the same source and published within six weeks on either side of this one. This one has done well, scoring higher than 77% of its contemporaries.