Can Risk Adjustment Prevent Risk Selection in a Competitive Long-Term Care Insurance Market?
نویسندگان
چکیده
منابع مشابه
Risk adjustment in health insurance and its long-term effectiveness.
This paper seeks to create new insights when judging the impact different risk adjustment schemes may have on the incentive to select risks. It distinguishes risk types with high and low profit potential and estimates long-run profits associated with risk selection in four scenarios (no risk adjustment, demographic only, including prior hospitalization, and including prior hospitalization and P...
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From the mid-1990s citizens in Belgium, Germany, Israel, the Netherlands and Switzerland have a guaranteed periodic choice among risk-bearing sickness funds, who are responsible for purchasing their care or providing them with medical care. The rationale of this arrangement is to stimulate the sickness funds to improve efficiency in health care production and to respond to consumers' preference...
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در این تحقیق به مطالعه وجود انتخاب نامساعد(کژ گزینی) در بازار بیمه درمان تکمیلی ایران پرداخته شده است. داده های مورد نیاز توسط پرسشنامه و به روش نمونه گیری خوشه ای جمع آوری شده است. پرسشنامه ها در میان افراد شاغل ساکن شهر تهران توریع شد. در این تحقیق با استفاده از تخمین دو مدل لجستیک و به دست آوردن ضریب همبستگی میان تقاضای بیمه درمان تکمیلی و رخداد خسارت به بررسی موضوع مورد نظر پرداخته شده است....
15 صفحه اولLong Term Care Insurance: Medical Risk Management Issues in Underwriting
This article focuses on medical aspects of the risk selection process for long term care insurance products. Our objective is to identify for medical directors and underwriters key underwriting considerations upon which to build a sound strategy. Section 1 reviews demographic, social and other factors contributing to the need for these products. This snapshot of the long term care context sets ...
متن کاملRisk Adjustment for Dually Eligible Beneficiaries Using Long-Term Care
This study explores use of the principal inpatient diagnostic cost groups (PIPDCG) and hierarchical coexisting conditions (HCC) risk-adjustment methodologies for a population of dually eligible beneficiaries receiving chronic long-term care (LTC). Measures of individual predictive accuracy for this population compared with the total Medicare population were similar for the PIPDCG models but som...
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ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 2013
ISSN: 1556-5068
DOI: 10.2139/ssrn.2202170