Effect of Coinsurance: A Multivariate Analysis

Coinsurance and the demand for physician services: four years later.

In 1971 a study was made of the effects of a 25-percent coinsurance provision on the demand for physician services under a comprehensive prepaid plan for medical care. Comparing physician utilization rates in 1966 (the year before coinsurance was introduced) and 1968 (the first calendar year after the change) showed that coinsurance led to a 24-percent decline in the per capita number of all ph...

Bankwest Curtin Economics Centre

Though the impact of cost-sharing on health care demand is well documented in developed countries, evidence from developing countries is rare. This paper’s contribution is to analyse the impact of increasing coinsurance in a developing nation -Vietnam – by exploiting a quasi-natural experiment in that country. In 2007, the Vietnam government reintroduced a 20 percent coinsurance for individuals...

Should the Coinsurance Rate Be Increased in the Case of the Common Cold? ―an Analysis Based on an Original Survey―

Does Bank Monitoring Benefit or Hurt Shareholders? Mergers for Coinsurance during Japan’s Banking Crisis in the 1990s

This paper examines the monitoring role of Japanese banks during the 1990s’ banking crisis. The results show a negative association between bank ties and shareholder wealth for a sample of Japanese M&A acquirers in 1990-2004. Further results implicate that banks arranged the acquisitions to coinsure target debts. The overall evidence highlights that banks restructured their loans to improve the...

Pharmaceutical cost-sharing systems and savings for health care systems from parallel trade

This paper analyzes the consequences of parallel trade on health care systems in a two-country model with a vertical distributor relationship. In particular, two cost-sharing systems — coinsurance and indemnity insurance — are compared with respect to changes in copayments and public health expenditure. Under both cost-sharing systems, parallel trade generates a price-decreasing competition eff...