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Tytuł:
Obligatory private health insurance – a comparison of systems on the example of the solutions applied in Australia; the Netherlands and Switzerland
Autorzy:
Ostrowska-Dankiewicz, Anna
Powiązania:
https://bibliotekanauki.pl/articles/949777.pdf
Data publikacji:
2017
Wydawca:
Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
Tematy:
health insurance system
private health insurance
Opis:
The article deals with the functioning of systems characterized by the compulsory possession of private health insurance. It provides a general overview of how health insurance operates in selected countries, i.e. Australia, the Netherlands and Switzerland. The attention has been paid to active participation in the promotion of compulsory private health insurance and the taking of specific actions aimed at strengthening their participation. It has been indicated that subsidies and obligatory purchase are the most effective tools for promoting them alongside supporting mechanisms such as the offering of standardized products by insurers, co-financing and the imposition of penalties as a fiscal mechanism. The paper presents the features of the systems, the possibilities of their financing through the use of state subsidies and the amount of expenditures for involuntary participation in the health insurance system in relation to GDP in the analyzed countries
Źródło:
Financial Sciences. Nauki o Finansach; 2017, 2(31); 79-91
2080-5993
2449-9811
Pojawia się w:
Financial Sciences. Nauki o Finansach
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Rynek prywatnych ubezpieczeń zdrowotnych w krajach europejskich. Przykład rozwiązań francuskich
Autorzy:
Jurkiewicz, Irmina
Tinardon, Carole
Powiązania:
https://bibliotekanauki.pl/articles/634975.pdf
Data publikacji:
2010
Wydawca:
Uniwersytet Jagielloński. Wydawnictwo Uniwersytetu Jagiellońskiego
Tematy:
private health insurance, voluntary health insurance, market, France
Opis:
Private health insurance market in European countries. French examplePrivate health insurance exists alongside to the statutory health system in most of the European countries. The reason to introduce PHI in health care system, among other, is limiting public health care expenditures by involving private insurers and individuals. Moreover it is believed that increase in competition between public and private insurers would expand consumers’ choice in health care. Despite all similarities in terms of main goals and general structure of health care system, PHI institutions in European countries vary. The aim of the article is to present classification and examples of private health insurance solutions. More focus is put on French PHI system as an instance of existence of many types of PHI under specific regulations. The article also shows characteristics of PHI types. Furthermore the EU Third Non-Life Insurance Directive is presented as a main regulatory framework for PHI. PHI market basic information is included.
Źródło:
Zdrowie Publiczne i Zarządzanie; 2010, 8, 1
2084-2627
Pojawia się w:
Zdrowie Publiczne i Zarządzanie
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Demand for private health insurance: an empirical study of post-communist countries
Autorzy:
Śliwiński, Adam
Borkowska, Iwona
Powiązania:
https://bibliotekanauki.pl/articles/33735048.pdf
Data publikacji:
2024-07-02
Wydawca:
Szkoła Główna Handlowa w Warszawie. Kolegium Zarządzania i Finansów
Tematy:
health insurance
demand analysis
Opis:
The development of voluntary health insurance is characteristic of post-Communist and CEE countries. The aim of the paper is to identify the factors determining the demand for private voluntary health insurance. The main finding of the research is that the most important factor is the demographic factor. Other factors include the factor related to the ineffectiveness of treatment under universal health insurance, the factor related to health condition, the demographic factor related to longevity, and the factor related to insurance awareness and income. The research confirms conclusions from previously published studies. The most important is to confirm that the income factor positively influences the studied phenomenon. However, the results shed new light on the aspect of the demand factor, as this indicates the ageing of society and the consequent increase in private spending on health, which are the key mechanisms in the discussion, with the other factors constituting a complementary element.
Źródło:
Journal of Management and Financial Sciences; 2023, 50; 109-129
1899-8968
Pojawia się w:
Journal of Management and Financial Sciences
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Obciążenia dochodów podatkiem dochodowym i składkami na ubezpieczenia społeczne i zdrowotne – w kierunku jednej daniny czy pozostawienia obecnego modelu
Income tax and social and health insurance contributions. Continuity or change?
Autorzy:
Krajewski, Marcin
Powiązania:
https://bibliotekanauki.pl/articles/11364389.pdf
Data publikacji:
2018
Wydawca:
Kancelaria Sejmu. Biuro Analiz Sejmowych
Tematy:
income tax
social insurance
health insurance
Opis:
The paper provides an analysis of advantages and disadvantages of the current model of the burden on the income, as well as the concept of one levy, which is a part of ‘Plan for Responsible Growth’ adopted by the Polish government. One levy concept envisages the consolidation of income tax, social insurance contribution and healthcare contribution. The rationale behind this concept is that various principles of social insurance and healthcare regulations and tax law are complicated and require standardization. Focus is placed on the possible implications of this concept for employers, employees, self-employed and farmers.
Źródło:
Studia BAS; 2018, 2(54); 139-154
2080-2404
2082-0658
Pojawia się w:
Studia BAS
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
NORMALIZING CONSUMER SURPLUS DATA FOR KOSOVO’S WTP FOR A MANDATORY HEALTH INSURANCE
Autorzy:
Muhaxheri, Edmond
Szkudlarek, Patrycja
Powiązania:
https://bibliotekanauki.pl/articles/453015.pdf
Data publikacji:
2016
Wydawca:
Szkoła Główna Gospodarstwa Wiejskiego w Warszawie. Katedra Ekonometrii i Statystyki
Tematy:
mandatory health insurance fund
Kosovo
Opis:
The purpose of this paper is to show that consumer surplus for Kosovo’s expected mandatory health insurance fund do not follow a normal distribution. It shows the rationale used in obtaining the initial aggregate consumer surplus, the development Surplus-to-Exploitation, and Potential Entry Threshold indicators. It also provides the logic behind individualized data set which is used in normality testing. Normality is achieved through a Johnson Transformation; with Anderson-Darling test statistic being used to test this claim.
Źródło:
Metody Ilościowe w Badaniach Ekonomicznych; 2016, 17, 4; 81-88
2082-792X
Pojawia się w:
Metody Ilościowe w Badaniach Ekonomicznych
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Prywatne ubezpieczenia zdrowotne a problem pokusy nadużycia
Private health insurance and the problem of moral hazard
Autorzy:
Laskowska, Iwona
Powiązania:
https://bibliotekanauki.pl/articles/525374.pdf
Data publikacji:
2015
Wydawca:
Uniwersytet Warszawski. Wydawnictwo Naukowe Wydziału Zarządzania
Tematy:
private health insurance
moral hazard
Opis:
In most European countries general health insurance systems are supplemented by voluntary health insurance purchased on a commercial basis. The expansion of the private health insurance market is potentially beneficial for the functioning of the health protection system and for the patients themselves. At the same time, however, particularly voluntary health insurance has certain weaknesses that may make it less effective than it could be. One of the major problems is moral hazard understood as a risk of excessive, unjustified use of medical services that bears serious economic consequences. The article focuses on moral hazard related to health insurance. In the first part of the article, the nature of the problem is discussed, as well as conclusions for European countries arising from the available studies. The second part provides insights into private health insurance in Poland.
W większości krajów europejskich, poza systemem powszechnego ubezpieczenia zdrowotnego funkcjonują dobrowolne ubezpieczenia zdrowotne o charakterze komercyjnym. Z rozwojem rynku prywatnych ubezpieczeń zdrowotnych wiążą się potencjalne korzyści dla funkcjonowania zarówno systemu ochrony zdrowia, jak i samych pacjentów. Rynek ubezpieczeń zdrowotnych, szczególnie tych o charakterze dobrowolnym, nie jest jednak wolny od nieprawidłowości, ograniczających możliwości jego efektywnego funkcjonowania. Jeden z istotnych problemów stanowi pokusa nadużycia (moral hazard), pociągająca za sobą poważne skutki ekonomiczne. W artykule poruszono problematykę pokusy nadużycia wywołanej posiadaniem ubezpieczenia zdrowotnego. Pierwszą część poświęcono omówieniu istoty zjawiska oraz wnioskom wypływającym z badań dla krajów europejskich. Część druga dotyczy prywatnych ubezpieczeń zdrowotnych w Polsce.
Źródło:
Problemy Zarządzania; 2015, 2/2015 (53), t. 2; 56-68
1644-9584
Pojawia się w:
Problemy Zarządzania
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Kryteria warunkujące konkurencyjność umów dodatkowych dotyczących poważnych zachorowań oferowanych w ramach indywidualnych ubezpieczeń na życie
Autorzy:
Jędrzejewska-Wnuk, Agnieszka
Powiązania:
https://bibliotekanauki.pl/articles/951159.pdf
Data publikacji:
2013
Wydawca:
Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
Tematy:
critical illness
health insurance
individual life insurance
Opis:
On the Polish market for individual life insurance policies there is a significant number of critical illness contracts. These contracts are characterized by complexity, as their competitiveness is affected by at least a dozen features, which might cause difficulties comparing them and then finally selecting the most attractive offer. The article focuses on the main quality features characterizing the additional critical illness contracts included in the fifth chapter of the first group of individual insurance. These features can be considered as criteria affecting the competitiveness of a given supplementary agreement. In order to present them, a comparative analysis of selected life insurance companies’ offers was done. In addition, in a separate part of the article, we compared some critical illness contracts in terms of premium, which is the criterion of special importance from the point of view of the client’s decision concerning the purchase.
Źródło:
Financial Sciences. Nauki o Finansach; 2013, 1 (14); 144-162
2080-5993
2449-9811
Pojawia się w:
Financial Sciences. Nauki o Finansach
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
SYSTEM OCHRONY ZDROWIA W SZWAJCARII – DOŚWIADCZENIA I REKOMENDACJE DLA POLSKI
THE HEALTH CARE SYSTEM IN SWITZERLAND – EXPERIENCES AND RECOMMENDATIONS FOR POLAND
Autorzy:
Figura, Joanna
Powiązania:
https://bibliotekanauki.pl/articles/512795.pdf
Data publikacji:
2016
Wydawca:
Uniwersytet Rzeszowski. Wydawnictwo Uniwersytetu Rzeszowskiego
Tematy:
healthcare
Switzerland
health insurance
co-payment
Opis:
The article pertains to the subject of health policy. The paper examines in detail one of the best health systems in the world, which operates in Switzerland. The aim of the article is a detailed presentation of the functioning of the health system in Switzerland, according to selected criteria. The article was developed based on the study of literature (both national and international positions). The health model adopted and implemented in Switzerland has its advantages and disadvantages. The success of the health system in Switzerland is determined by, among other factors, the operation of many competing companies offering health insurance, broad and at the same time socially acceptable patient co-payment and the development of large-scale private health insurance and high "saturation" of medical personnel within the health system. Concrete proposals to im-prove the situation in the Polish health care system were indicated, based on the rich experience of the Swiss health system. The solutions adopted in the Swiss health care system should provide inspiration for all decision-makers in Poland.
Źródło:
Polityka i Społeczeństwo; 2016, 14, 3; 144-160 (17)
1732-9639
Pojawia się w:
Polityka i Społeczeństwo
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Moral hazard and its implications on health insurance sector – overview of impact of COVID-19 pandemic
Autorzy:
Sikora-Alicka, Joanna
Powiązania:
https://bibliotekanauki.pl/articles/2123399.pdf
Data publikacji:
2022
Wydawca:
Uniwersytet w Białymstoku. Wydawnictwo Uniwersytetu w Białymstoku
Tematy:
moral hazard
health insurance
COVID-19
Opis:
Kenneth J. Arrow’s disruptive work, 'Medical Uncertainty and Welfare Economics’, published in 1963, was one of the first studies investigating the effects of moral hazard on the healthcare sector. Since then, countless works exploring that subject have been published. The history of research on moral hazard in medical insurance shows that this concept is defined differently in other areas of the economy than healthcare. Purpose – The proposed work is an attempt to understand and conceptualize the moral hazard in health insurance. As uncommon circumstances marked 2020, we now consider health insurance through the impact of the SARS-CoV-2 pandemic. This work discusses the results of an investigation of the impact of moral hazard and its implications on the health insurance sector during COVID-19. Research method – The author designed and conducted a study that presented several metrics involving the distribution of medical expenditures, the effect of price on medical care consumption, the PLS (profit and loss sharing) concept, and their mediating and moderating effect on moral hazard in the insurance sector. Results – There is a statistically significant and very strong relationship with a positive sign (β = 0.79; p <0.001) between the price effect and the moral hazard. The analyses show also that the price effect coexists statistically with the PLS, and the relationship between these variables is moderately strong and positive (β = 0.79; p <0.001). Originality – Insignificant relationship between the PLS and the moral hazard can be seen while the price is entered into the model (β = 0.03; p = 0.450). The lack of mediation could confirm that the price effect plays a major role in a moral hazard.
Źródło:
Optimum. Economic Studies; 2022, 1(107); 113-126
1506-7637
Pojawia się w:
Optimum. Economic Studies
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Count data modelling of health insurance and health care utilisation in Nigeria
Autorzy:
Olayiwola, Saheed O.
Kazeem, Bayo L.O.
Powiązania:
https://bibliotekanauki.pl/articles/522441.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Ekonomiczny w Katowicach
Tematy:
Count data model
Health care utilisation
Health insurance
Opis:
Aim/purpose – Estimation of the model of interdependent demand for health insurance and health care utilisation involves issues of stochastic dependence between health insurance and health care utilisation. This study explored a count data estimation technique to determine the most appropriate estimation method for the interdependence of health insurance and health care demand in Nigeria. Design/methodology/approach – The study employed Hidayat and Pokhrel (2010) framework to choose among the six alternatives of two classes of count data model. The data for the study were collected using a purposive sampling survey in the six geopolitical zones in Nigeria. Findings – The results showed that the general method of moments (GMM) estimator is preferable to model the determinants of medical care consumption with health insurance. Price of health care services is positively related to medical care consumption with health insurance and social health insurance. The income-medical care relationship indicated that medical care services are inferior good under private health insurance and a normal good with social health insurance during sick period. Research implications/limitations – The implication of this study is that the estimation method that accommodates endogenous regressors is the appropriate estimation technique for the interdependence of health insurance and health care utilisation. The limitation of this study is that the recall period was just six months prior to the survey. Originality/value/contribution – The study revealed that the estimation techniques for the interdependence of health insurance and health care utilisation must recognised the influence of individual and household characteristics on the decision to purchase health insurance and health care consumption. Hence, diagnostics tests are require to choose the most appropriate estimation technique.
Źródło:
Journal of Economics and Management; 2019, 35; 106-123
1732-1948
Pojawia się w:
Journal of Economics and Management
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Prywatne ubezpieczenia zdrowotne a publiczny system opieki zdrowotnej w Polsce
Autorzy:
Płonka, Maria
Powiązania:
https://bibliotekanauki.pl/articles/611057.pdf
Data publikacji:
2017
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
additional health insurance
private health insurance
health care system
dodatkowe ubezpieczenia zdrowotne
prywatne ubezpieczenie zdrowotne
system opieki zdrowotnej
Opis:
In light of OECD and Health Consumer Powerhouse data, Poland is at one of the last places in Europe in terms of organization, funding and health care services. The purpose of the article is to identify the causes of the problem in the light of European comparative data and to identify the place of private health insurance in Poland in the context of solving problems of public health system failure. To this end, the health care system in Poland has been discussed in comparison with other European countries, the causes of the shortcomings of the Polish health care system, private health insurance as a health supplement in Poland, and a summary of the solution to the problem through the public-private partnership model between the NFZ and the insurers.
W świetle danych raportów OECD i Health Consumer Powerhouse Polska jest na jednym z ostatnich miejsc w Europie pod względem organizacji, finansowania oraz świadczeń opieki zdrowotnej. Celem artykułu jest identyfikacja przyczyn problemu w świetle europejskich danych porównawczych oraz określenie miejsca prywatnych ubezpieczeń zdrowotnych w Polsce w kontekście rozwiązania problemów niewydolności publicznego systemu ochrony zdrowia. W tym celu omówiono system opieki zdrowotnej w Polsce na tle krajów Europy, przyczyny mankamentów polskiego systemu opieki zdrowotnej, a także scharakteryzowano prywatne ubezpieczenia zdrowotne jako suplement ochrony zdrowia w Polsce oraz nakreślono w podsumowaniu propozycję rozwiązania problemu przez model partnerstwa publiczno-prywatnego między NFZ a ubezpieczycielami.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2017, 51, 6
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Statistical Analysis of a Questionnaire: Voluntary Health Insurance Implementation Among Patients Suffering From Allergy and Asthma
Autorzy:
Zalewska, Marta
Zieliński, Wojciech
Powiązania:
https://bibliotekanauki.pl/articles/973544.pdf
Data publikacji:
2014
Wydawca:
Główny Urząd Statystyczny
Tematy:
confidence region
health insurance
multiple responses
questionnaire
Opis:
We consider statistical analysis of multiple answers in a questionnaire. We propose a new method of calculating simultaneous confidence regions. In a communication presented at the European Academy of Allergy and Clinical Immunology the authors (Borowicz et al. (2009)) reported the proportions of respondents which gave one of three possible exclusive answers in a questionnaire concerning the role of voluntary health insurance. There were three possible answers. Apart from percentages of answers confidence intervals of every single answer have been reported. Unfortunately inference about the population based on such intervals may lead to imprecise conclusions. The inference about the respective population suffering from allergy and asthma proportions requires the construction of two-dimensional confidence region. We propose the use of a simultaneous confidence intervals to inference about true population proportions. Most of our attention is given to the case of three possible answers but the results may be generalized to any questionnaire with more than two excluding answers.
Źródło:
Statistics in Transition new series; 2014, 15, 4; 535-544
1234-7655
Pojawia się w:
Statistics in Transition new series
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Połączony System Ubezpieczeń Zdrowotnych dla pracowników instytucji Unii Europejskiej (JSIS/RCAM) – prawo pierwotne, wtórne i wewnętrzne
Autorzy:
Kaleta, Paweł
Powiązania:
https://bibliotekanauki.pl/articles/635050.pdf
Data publikacji:
2008
Wydawca:
Uniwersytet Jagielloński. Wydawnictwo Uniwersytetu Jagiellońskiego
Tematy:
health insurance law, public functionaries, European Union, insurance system
Opis:
Joint Sickness Insurance Scheme (JSIS) for officials and other servants of the European UnionOfficials and other servants of the European Union are covered by a separate, Joint Sickness Insurance Scheme (JSIS). The fact that its own law applicable to public functionaries exists at the UE level, being a result of application of solutions transferred from the national level as well as constituting a ‘practice ground’ for a possible uniform EU insurance system in the (unplanned) making, on one hand may make it appear simplified and underdeveloped, but on the other show it to be consisting of interesting, original legal solutions, of particular and growing practical importance for Poles employed in the EU institutions.
Źródło:
Zdrowie Publiczne i Zarządzanie; 2008, 6, 1-2
2084-2627
Pojawia się w:
Zdrowie Publiczne i Zarządzanie
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
System finansowania publicznej opieki zdrowotnej w Polsce w świetle doświadczeń niemieckich
The system of financing public health care in Poland against the background of the Germany experiences
Autorzy:
Kluczyńska, Marta
Grzywacz, Jacek
Powiązania:
https://bibliotekanauki.pl/articles/447079.pdf
Data publikacji:
2015
Wydawca:
Mazowiecka Uczelnia Publiczna w Płocku
Tematy:
health care financing
health care system
health insurance
health economics
Opis:
The smooth operation of the health care system largely depends on how it is financed. The analysis assumes that the Polish system is not enough financed and poorly adapted to the changing socio-economic trends. Results of the analysis confirm no sufficient polish health care financing. Therefore, changes are necessary in the financing of medical services and obtaining new sources and special funds. Meeting solutions used in functioning and the organization of the system of the health care in Germany can be used in the process of transformations of the system of the health care in Poland.
Źródło:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne; 2015, 2(22); 121-132
1644-888X
Pojawia się w:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
CONTRACTION OF HEALTH CARE SERVICES PROVISION AS A SOURCE OF HEALTH CARE FACILITIES FINANCING (Kontraktowanie swiadczen zdrowotnych jako zródlo finansowania zakladu opieki zdrowotnej)
Autorzy:
Paszkowska, Malgorzata
Powiązania:
https://bibliotekanauki.pl/articles/599618.pdf
Data publikacji:
2010
Wydawca:
Wyższa Szkoła Informatyki i Zarządzania z siedzibą w Rzeszowie
Tematy:
CONTRACT
HEALTH CARE FACILITY - FINANCING
HEALTH INSURANCE
NATIONAL HEALTH FUND
Opis:
Health care facility (In Polish ZOZ) is a basic, yet complex organizational and legal model within which, health service can be provided to patients in Poland. In the light of law ZOZ can receive funds from paid health benefits obtainable on the basis of bilateral agreement. Those contracts include agreement for the provision of health care service concluded between the service provider and the director of provincial department of National Health Fund (In Polish NFZ), commonly known as a contract. The subject of this paper is to present current legal basis and the rules for entering into agreement with National Health Fund by public and private health care facilities. The aim of this article is to attract the attention to the role of contract with NFZ as of the basic source of financing health care facilities and also to explain methods of financing health services awarded on the basis of contract.
Źródło:
Finansowy Kwartalnik Internetowy e-Finanse; 2010, 6, 3; 76-94
1734-039X
Pojawia się w:
Finansowy Kwartalnik Internetowy e-Finanse
Dostawca treści:
Biblioteka Nauki
Artykuł
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