Holst Laurens, Rademakers Jany J D J M, Brabers Anne E M, de Jong Judith D
Nivel, the Netherlands Institute for Health Services Research, PO Box 1568, Utrecht 3500 BN, the Netherlands.
Nivel, the Netherlands Institute for Health Services Research, PO Box 1568, Utrecht 3500 BN, the Netherlands; Maastricht University, PO Box 616, Maastricht 6200 MD, the Netherlands.
Health Policy. 2022 Nov;126(11):1157-1162. doi: 10.1016/j.healthpol.2022.09.001. Epub 2022 Sep 17.
There are several indications that citizens in the Netherlands struggle to make critical, well-considered decisions about which insurance policy best fits their needs and preferences. This can lead to citizens being sub-optimally insured, facing unexpected costs or suffering inadequate coverage. This study aims to examine how health insurance literacy (HIL) is distributed among citizens in the Netherlands; and to find out whether there are certain groups who have more difficulty choosing and using a health insurance policy.
We measured health insurance literacy using the HILM-NL questionnaire, the validated Dutch version of the original health insurance literacy measure (HILM). In February 2020, the HILM-NL was sent to 1,500 members of the Nivel Dutch Health Care Consumer Panel. The response rate was 54% (806).
There is a wide variation in HIL among citizens in the Netherlands. The average total HILM-NL score is 55.14 (on a range of 21-84). The level of education and the household net income are significantly related to HIL.
Citizens who completed less education or earn a lower income are relatively more likely to have difficulty choosing a health insurance policy or using policy benefits to pay for health services once enrolled. It is important to support these vulnerable groups properly in their choice and use of a health insurance policy.
有迹象表明，荷兰公民在做出关于哪种保险政策最符合其需求和偏好的关键、深思熟虑的决策时面临困难。这可能导致公民的保险保障不理想，面临意外费用或保险覆盖不足。本研究旨在调查荷兰公民的健康保险素养（HIL）分布情况；并找出是否有特定群体在选择和使用健康保险政策方面存在更多困难。
我们使用HILM-NL问卷（原始健康保险素养测量工具（HILM）的荷兰语验证版本）来测量健康保险素养。2020年2月，HILM-NL被发送给Nivel荷兰医疗保健消费者小组的1500名成员。回复率为54%（806人）。
荷兰公民的HIL存在很大差异。HILM-NL的平均总分是55.14（范围为21-84）。教育水平和家庭净收入与HIL显著相关。
受教育程度较低或收入较低的公民相对更有可能在选择健康保险政策或在参保后使用政策福利支付医疗服务费用方面遇到困难。在这些弱势群体选择和使用健康保险政策时给予适当支持很重要。
