Presentation: The relationship between basic and supplementary insurance in Swiss health care markets
Presentation
Session: Complementary Insurance
Room: Meeting Rooms 25+26
Time: Thu 14:30-15:45
Presenter: Karine Lamiraud (ESSEC Business School. )
- Abstract
Switzerland offers a unique opportunity to study competition in health insurance markets. In 1996, the Federal Law on Social Health Insurance (LAMal) was adopted, which aimed at introducing a perfect, managed competition scheme for basic health insurance. However, consumers only rarely switch funds though price differences between firms are quite high. This indicates that competition is still low. In this research, we attempt to evaluate to what extent sickness funds may tie the conditions of a supplementary health insurance contract to the possession of a basic health insurance contract with the same company and we elaborate on the impact of such practices on competition in the basic health insurance market. We rely on theoretical models from the industrial organization literature and provide some empirical evidence of clear pricing strategies.
- Key Terms
- competition in health insurance market, pricing strategies, supplementary insurance
Authors:
- Karine Lamiraud (ESSEC Business School)
Rooms
- Ball Room
- Chydenius Rooms
- Congress Hall A
- Congress Hall B
- Elissa Hall
- Main Hall
- Helsinki Hall
- Meeting Room 21
- Meeting Rooms 22+23
- Meeting Rooms 25+26
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