Saving for healthcare in basic and supplementary health insurance
The health insurance coverage in the Netherlands is the most comprehensive within the OECD. Only ten percent of the Dutch population over 18 years has opted for a voluntary deductible in 2013, while at the same time eighty-five percent of the population has opted for a voluntary supplementary health insurance. Research shows that this comprehensive insurance coverage increases healthcare usage (moral hazard), resulting in an increase in premiums and a decrease of the insurability of various healthcare services. Our research focuses on possibilities to counteract moral hazard through the introduction of saving for healthcare in combination with a voluntary deductible in both the basic and supplementary health insurance.
Kayleigh van Winssen (cp)
Richard van Kleef
Wynand van de Ven