Beuth Hochschule für Technik Berlin, University of Applied Sciences, Luxemburger Strasse 10, Berlin, Germany.
Eur J Health Econ. 2011 Feb;12(1):39-47. doi: 10.1007/s10198-010-0222-x. Epub 2010 Feb 25.
This paper analyses the effect of absolute deductibles on the cost of insurance for outpatient services. Moreover, cost savings on retained losses are estimated. Sharing risks between the insured and the insurer reduces total expenditure for outpatient benefits by up to 35%. In particular, optimal deductibles are determined in their utilitarian sense: the maximum possible savings on medical expenses are computed from the ground up. As part of the study, the effect of age and gender on these savings is analysed. The analysis is based on data taken from the private medical insurance industry in Germany. Similarities and discrepancies with respect to results obtained in the RAND Health Insurance Experiment conducted in the United States from 1971 to 1982 are highlighted.
本文分析了绝对免赔额对门诊服务保险成本的影响。此外，还估算了自留损失的节省额。被保险人和保险公司分担风险，使门诊福利的总支出最多减少 35%。特别是，从功利主义的角度确定了最优免赔额：从根本上计算了医疗费用的最大可能节省额。作为研究的一部分，分析了年龄和性别对这些节省额的影响。该分析基于取自德国私营医疗保险行业的数据。突出了与 1971 年至 1982 年在美国进行的兰德健康保险实验所得到的结果的相似性和差异。
