The Analysis Of Private Health Insurance Penetration Degree And Density In Europe

Over the past two decades, health insurance systems have faced various obstacles, mainly of financial nature, which have ultimately led to various reactions of the private health insurance market. In addition, due to the economic and financial crisis, the role of private insurance is constantly increasing in order to balance out the social health insurance systems’ limited capacity of guaranteeing the maintenance and expansion, according to the World Health Organization’s recommendations, of health insurance coverage. For these reasons, it is necessary to constantly assess the development of the private health insurance market, in order to quantify both the share of expenditure of private health insurance with regard to total health expenditure and also the penetration degree and density of these forms of health insurance. The penetration degree and density of private health insurance are key indicators by which we can perform a detailed analysis of both quantitative and qualitative nature, which will produce a realistic image on the current level of development.