Optional deductibles in GKV (statutory German health insurance): do they also exert an effect in the medium term?
Aim Since 2007 the GKV in Germany has been able to offer optional deductibles. This work investigates the medium-term effects of this on claims for health benefits. This study also examines whether the size of the deductible influences the volume of claims. Subject and methods The volumes of claims...
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| Veröffentlicht in: | Journal of public health 2012-06, Vol.20 (3), p.219-226 |
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| creator | Hemken, N. Schusterschitz, C. Thöni, M. |
| description | Aim
Since 2007 the
GKV
in Germany has been able to offer optional deductibles. This work investigates the medium-term effects of this on claims for health benefits. This study also examines whether the size of the deductible influences the volume of claims.
Subject and methods
The volumes of claims during the year 2009 were compared between a group whose health insurance tariff carried a deductible and a group with no deductible. Within the group with a deductible, the relationship between the amounts claimed and the chosen size of the deductible was investigated.
Results
Comparison of the middle ranks between the group with a deductible and the group without shows that during 2009 the two groups incurred significantly different costs for hospital treatment, drugs and remedies: the amount of health benefits claimed is €707 lower among the group with a deductible. Several non-parametric tests show that the volume of benefits claimed decreases with increasing deductibles.
Conclusion
Optional deductible tariffs offered by the
GKV
can also influence the volume of health benefits claimed in the medium term. The sizes of deductibles can be structured so as to achieve targeted control of the amounts claimed. |
| doi_str_mv | 10.1007/s10389-011-0454-y |
| format | Article |
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Since 2007 the
GKV
in Germany has been able to offer optional deductibles. This work investigates the medium-term effects of this on claims for health benefits. This study also examines whether the size of the deductible influences the volume of claims.
Subject and methods
The volumes of claims during the year 2009 were compared between a group whose health insurance tariff carried a deductible and a group with no deductible. Within the group with a deductible, the relationship between the amounts claimed and the chosen size of the deductible was investigated.
Results
Comparison of the middle ranks between the group with a deductible and the group without shows that during 2009 the two groups incurred significantly different costs for hospital treatment, drugs and remedies: the amount of health benefits claimed is €707 lower among the group with a deductible. Several non-parametric tests show that the volume of benefits claimed decreases with increasing deductibles.
Conclusion
Optional deductible tariffs offered by the
GKV
can also influence the volume of health benefits claimed in the medium term. The sizes of deductibles can be structured so as to achieve targeted control of the amounts claimed.</description><identifier>ISSN: 0943-1853</identifier><identifier>ISSN: 2198-1833</identifier><identifier>EISSN: 1613-2238</identifier><identifier>DOI: 10.1007/s10389-011-0454-y</identifier><language>eng</language><publisher>Berlin/Heidelberg: Springer-Verlag</publisher><subject>Epidemiology ; Health behavior ; Health insurance ; Health Promotion and Disease Prevention ; Insurance claims ; Insurance policies ; Medicine ; Medicine & Public Health ; Original Article ; Public Health</subject><ispartof>Journal of public health, 2012-06, Vol.20 (3), p.219-226</ispartof><rights>Springer-Verlag 2011</rights><rights>Springer-Verlag 2012</rights><lds50>peer_reviewed</lds50><woscitedreferencessubscribed>false</woscitedreferencessubscribed><citedby>FETCH-LOGICAL-c300t-718cbedfc51adc400983fe3f3f45a23890f7f3538a6bca2ff6d6960c767600503</citedby><cites>FETCH-LOGICAL-c300t-718cbedfc51adc400983fe3f3f45a23890f7f3538a6bca2ff6d6960c767600503</cites></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktopdf>$$Uhttps://link.springer.com/content/pdf/10.1007/s10389-011-0454-y$$EPDF$$P50$$Gspringer$$H</linktopdf><linktohtml>$$Uhttps://link.springer.com/10.1007/s10389-011-0454-y$$EHTML$$P50$$Gspringer$$H</linktohtml><link.rule.ids>314,776,780,27901,27902,41464,42533,51294</link.rule.ids></links><search><creatorcontrib>Hemken, N.</creatorcontrib><creatorcontrib>Schusterschitz, C.</creatorcontrib><creatorcontrib>Thöni, M.</creatorcontrib><title>Optional deductibles in GKV (statutory German health insurance): do they also exert an effect in the medium term?</title><title>Journal of public health</title><addtitle>J Public Health</addtitle><description>Aim
Since 2007 the
GKV
in Germany has been able to offer optional deductibles. This work investigates the medium-term effects of this on claims for health benefits. This study also examines whether the size of the deductible influences the volume of claims.
Subject and methods
The volumes of claims during the year 2009 were compared between a group whose health insurance tariff carried a deductible and a group with no deductible. Within the group with a deductible, the relationship between the amounts claimed and the chosen size of the deductible was investigated.
Results
Comparison of the middle ranks between the group with a deductible and the group without shows that during 2009 the two groups incurred significantly different costs for hospital treatment, drugs and remedies: the amount of health benefits claimed is €707 lower among the group with a deductible. Several non-parametric tests show that the volume of benefits claimed decreases with increasing deductibles.
Conclusion
Optional deductible tariffs offered by the
GKV
can also influence the volume of health benefits claimed in the medium term. The sizes of deductibles can be structured so as to achieve targeted control of the amounts claimed.</description><subject>Epidemiology</subject><subject>Health behavior</subject><subject>Health insurance</subject><subject>Health Promotion and Disease Prevention</subject><subject>Insurance claims</subject><subject>Insurance policies</subject><subject>Medicine</subject><subject>Medicine & Public Health</subject><subject>Original Article</subject><subject>Public Health</subject><issn>0943-1853</issn><issn>2198-1833</issn><issn>1613-2238</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>2012</creationdate><recordtype>article</recordtype><sourceid>BENPR</sourceid><recordid>eNp1kLFOwzAURS0EEqXwAWyWWGAwPMeJk7AgVEFBVOoCrJbrPNNUTdLajkT-HldhYGF6wz33SO8ScsnhlgPkd56DKEoGnDNIs5QNR2TCJRcsSURxTCZQpoLxIhOn5Mz7DYAQIiknZL_chbpr9ZZWWPUm1Kstelq3dP72Sa990KEPnRvoHF2jW7pGvQ3rmPve6dbgzT2tOhrWOFC99R3Fb3SBRhCtRRMOohjSBqu6b2iIkodzcmIjixe_d0o-np_eZy9ssZy_zh4XzAiAwHJemBVW1mRcVyYFKAthUVhh00zHn0qwuRWZKLRcGZ1YKytZSjC5zCVABmJKrkbvznX7Hn1Qm6538VOvOHAJucwgixQfKeM67x1atXN1o90QIXVYVo3LqrisOiyrhthJxo6PbPuF7q_5v9IPN8R8Kw</recordid><startdate>20120601</startdate><enddate>20120601</enddate><creator>Hemken, N.</creator><creator>Schusterschitz, C.</creator><creator>Thöni, M.</creator><general>Springer-Verlag</general><general>Springer Nature B.V</general><scope>AAYXX</scope><scope>CITATION</scope><scope>3V.</scope><scope>7T2</scope><scope>7X7</scope><scope>7XB</scope><scope>88E</scope><scope>8C1</scope><scope>8FE</scope><scope>8FG</scope><scope>8FI</scope><scope>8FJ</scope><scope>8FK</scope><scope>ABJCF</scope><scope>ABUWG</scope><scope>AEUYN</scope><scope>AFKRA</scope><scope>ATCPS</scope><scope>AZQEC</scope><scope>BENPR</scope><scope>BGLVJ</scope><scope>BHPHI</scope><scope>C1K</scope><scope>CCPQU</scope><scope>DWQXO</scope><scope>FYUFA</scope><scope>GHDGH</scope><scope>GNUQQ</scope><scope>HCIFZ</scope><scope>K9.</scope><scope>L6V</scope><scope>M0S</scope><scope>M1P</scope><scope>M7S</scope><scope>PATMY</scope><scope>PQEST</scope><scope>PQQKQ</scope><scope>PQUKI</scope><scope>PTHSS</scope><scope>PYCSY</scope></search><sort><creationdate>20120601</creationdate><title>Optional deductibles in GKV (statutory German health insurance): do they also exert an effect in the medium term?</title><author>Hemken, N. ; Schusterschitz, C. ; Thöni, M.</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c300t-718cbedfc51adc400983fe3f3f45a23890f7f3538a6bca2ff6d6960c767600503</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>2012</creationdate><topic>Epidemiology</topic><topic>Health behavior</topic><topic>Health insurance</topic><topic>Health Promotion and Disease Prevention</topic><topic>Insurance claims</topic><topic>Insurance policies</topic><topic>Medicine</topic><topic>Medicine & Public Health</topic><topic>Original Article</topic><topic>Public Health</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Hemken, N.</creatorcontrib><creatorcontrib>Schusterschitz, C.</creatorcontrib><creatorcontrib>Thöni, M.</creatorcontrib><collection>CrossRef</collection><collection>ProQuest Central (Corporate)</collection><collection>Health and Safety Science Abstracts (Full archive)</collection><collection>Health & Medical Collection</collection><collection>ProQuest Central (purchase pre-March 2016)</collection><collection>Medical Database (Alumni Edition)</collection><collection>Public Health Database</collection><collection>ProQuest SciTech Collection</collection><collection>ProQuest Technology Collection</collection><collection>Hospital Premium Collection</collection><collection>Hospital Premium Collection (Alumni Edition)</collection><collection>ProQuest Central (Alumni) (purchase pre-March 2016)</collection><collection>Materials Science & Engineering Collection</collection><collection>ProQuest Central (Alumni Edition)</collection><collection>ProQuest One Sustainability</collection><collection>ProQuest Central UK/Ireland</collection><collection>Agricultural & Environmental Science Collection</collection><collection>ProQuest Central Essentials</collection><collection>ProQuest Central</collection><collection>Technology Collection</collection><collection>Natural Science Collection</collection><collection>Environmental Sciences and Pollution Management</collection><collection>ProQuest One Community College</collection><collection>ProQuest Central Korea</collection><collection>Health Research Premium Collection</collection><collection>Health Research Premium Collection (Alumni)</collection><collection>ProQuest Central Student</collection><collection>SciTech Premium Collection</collection><collection>ProQuest Health & Medical Complete (Alumni)</collection><collection>ProQuest Engineering Collection</collection><collection>Health & Medical Collection (Alumni Edition)</collection><collection>Medical Database</collection><collection>Engineering Database</collection><collection>Environmental Science Database</collection><collection>ProQuest One Academic Eastern Edition (DO NOT USE)</collection><collection>ProQuest One Academic</collection><collection>ProQuest One Academic UKI Edition</collection><collection>Engineering Collection</collection><collection>Environmental Science Collection</collection><jtitle>Journal of public health</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Hemken, N.</au><au>Schusterschitz, C.</au><au>Thöni, M.</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Optional deductibles in GKV (statutory German health insurance): do they also exert an effect in the medium term?</atitle><jtitle>Journal of public health</jtitle><stitle>J Public Health</stitle><date>2012-06-01</date><risdate>2012</risdate><volume>20</volume><issue>3</issue><spage>219</spage><epage>226</epage><pages>219-226</pages><issn>0943-1853</issn><issn>2198-1833</issn><eissn>1613-2238</eissn><abstract>Aim
Since 2007 the
GKV
in Germany has been able to offer optional deductibles. This work investigates the medium-term effects of this on claims for health benefits. This study also examines whether the size of the deductible influences the volume of claims.
Subject and methods
The volumes of claims during the year 2009 were compared between a group whose health insurance tariff carried a deductible and a group with no deductible. Within the group with a deductible, the relationship between the amounts claimed and the chosen size of the deductible was investigated.
Results
Comparison of the middle ranks between the group with a deductible and the group without shows that during 2009 the two groups incurred significantly different costs for hospital treatment, drugs and remedies: the amount of health benefits claimed is €707 lower among the group with a deductible. Several non-parametric tests show that the volume of benefits claimed decreases with increasing deductibles.
Conclusion
Optional deductible tariffs offered by the
GKV
can also influence the volume of health benefits claimed in the medium term. The sizes of deductibles can be structured so as to achieve targeted control of the amounts claimed.</abstract><cop>Berlin/Heidelberg</cop><pub>Springer-Verlag</pub><doi>10.1007/s10389-011-0454-y</doi><tpages>8</tpages></addata></record> |
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| ispartof | Journal of public health, 2012-06, Vol.20 (3), p.219-226 |
| issn | 0943-1853 2198-1833 1613-2238 |
| language | eng |
| recordid | cdi_proquest_journals_1016076505 |
| source | Springer Nature - Complete Springer Journals |
| subjects | Epidemiology Health behavior Health insurance Health Promotion and Disease Prevention Insurance claims Insurance policies Medicine Medicine & Public Health Original Article Public Health |
| title | Optional deductibles in GKV (statutory German health insurance): do they also exert an effect in the medium term? |
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