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Cost sharing in healthcare: A comparative study of German and Chinese health insurance

Xu, Mingming

Abstract (englisch):

The author compares cost sharing in German and Chinese health insurance from theoretical, empirical and historical perspectives. Theoretically, when cost sharing exceeds a certain number, healthcare utilization would stay constant at a relatively low level even with the decrease of cost sharing. Only when cost sharing has already been below a certain number, healthcare utilization would increase with the decrease of cost sharing.
Empirically, as shown in Chapter 2, since cost sharing in Germany keeps at a relatively low level, ambulatory care utilization for the older people significantly increased in the short run after copayment was abolished from the level of 10 €. And we have also detected a long-term negative effect on both ambulatory care and inpatient care utilization. Furthermore, as illustrated in Chapter 3, outpatient care utilization did not change for the older people in China when coinsurance for outpatient care was reduced from a relatively high level of 75% to 55%.
Historically, as shown in Chapter 1, the paths of health insurance system between Germany and China vary dramatically. In Germany, health insurance system starts with a relatively small coverage of population but comprehensive healthcare coverage and almost entire reimbursement for covered care, which is followed by more enrolled population and optimized benefit packages. ... mehr

Volltext §
DOI: 10.5445/IR/1000125703
Veröffentlicht am 21.10.2022
Cover der Publikation
Zugehörige Institution(en) am KIT Institut für Volkswirtschaftslehre (ECON)
Publikationstyp Hochschulschrift
Publikationsdatum 05.11.2020
Sprache Englisch
Identifikator KITopen-ID: 1000125703
Verlag Karlsruher Institut für Technologie (KIT)
Umfang 134 S.
Art der Arbeit Dissertation
Fakultät Fakultät für Wirtschaftswissenschaften (WIWI)
Institut Institut für Volkswirtschaftslehre (ECON)
Prüfungsdatum 28.05.2020
Schlagwörter cost sharing, Germany, China, health insurance, the older people
Referent/Betreuer Wigger, B. U.
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