Universität zu Köln

Pendzialek, Jonas B., Simic, Dusan and Stock, Stephanie (2017). Measuring customer preferences in the German statutory health insurance. Eur. J. Health Econ., 18 (7). S. 831 - 846. NEW YORK: SPRINGER. ISSN 1618-7601

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Abstract

This paper investigates consumer preferences in the German statutory health insurance market. It further aims to test whether preferences differ by age and health status. Evidence is provided by a discrete choice experiment conducted in 2014 using the six most important attributes in sickness fund competition and ten random generated choice sets per participant. Price is found to be the most important attribute followed by additional benefits, managed care programmes, and distance to nearest branch. Other positive attributes of sickness funds are found to balance out a higher price, which would allow a sickness fund to position itself as high quality. However, significant differences in preferences were found between age and health status group. In particular, compromised health is associated with higher preference for illness-related additional benefits and less distance to the lowest branch, but lower preference for a lower price. Based on these differences, a distinct sickness fund offer could be constructed that would allow passive risk selection.

Item Type:	Journal Article
Creators:	Creators Email ORCID ORCID Put Code Pendzialek, Jonas B. UNSPECIFIED UNSPECIFIED UNSPECIFIED Simic, Dusan UNSPECIFIED UNSPECIFIED UNSPECIFIED Stock, Stephanie UNSPECIFIED UNSPECIFIED UNSPECIFIED
URN:	urn:nbn:de:hbz:38-221257
DOI:	10.1007/s10198-016-0829-7
Journal or Publication Title:	Eur. J. Health Econ.
Volume:	18
Number:	7
Page Range:	S. 831 - 846
Date:	2017
Publisher:	SPRINGER
Place of Publication:	NEW YORK
ISSN:	1618-7601
Language:	English
Faculty:	Unspecified
Divisions:	Unspecified
Subjects:	no entry
Uncontrolled Keywords:	Keywords Language CARE REFORM; EXPERIMENTAL-DESIGNS; MANAGED COMPETITION; PRICE ELASTICITIES; RESPONSE RATES; TASK-FORCE; CONJOINT; CHOICE; FUNDS Multiple languages Economics; Health Policy & Services Multiple languages
Refereed:	Yes
URI:	http://kups.ub.uni-koeln.de/id/eprint/22125