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Low institutional trust in health insurers in Dutch health care

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  • Maarse, Hans
  • Jeurissen, Patrick

Abstract

A central element of the 2006 health insurance reform in the Netherlands is strategic purchasing by health insurers. After a brief elaboration of the concept of trust this article discusses the trust of insured in the new purchasing role of health insurers. There are various indications of a trust problem or credible commitment problem in Dutch health care. Insured say to trust their own health insurer (specific trust) but also say to have little trust in the behaviour of health insurers in general(institutional trust). The article briefly explores four models to explain the trust problem: the lack-of information model, the anticompetition model, the pro-profession model and the political communication model. A critical analysis demonstrates that the 'objective ground' for low institutional trust is rather questionable. Low trust seems to be based more on perceptions than on the insurers' objective purchasing behaviour. The article ends with a discussion on some potential strategies to address the trust problem. Low institutional trust may be something insurers have to live with.

Suggested Citation

  • Maarse, Hans & Jeurissen, Patrick, 2019. "Low institutional trust in health insurers in Dutch health care," Health Policy, Elsevier, vol. 123(3), pages 288-292.
    • Handle: RePEc:eee:hepoli:v:123:y:2019:i:3:p:288-292
    DOI: 10.1016/j.healthpol.2018.12.008
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    References listed on IDEAS

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    2. van der Hulst, Frank J.P. & Holst, Laurens & Brabers, Anne E.M. & de Jong, Judith D., 2022. "To what degree are health insurance enrollees in the Netherlands aware of the restrictive conditions attached to their policies?," Health Policy, Elsevier, vol. 126(7), pages 693-703.
    3. Christophe Courbage & Christina Nicolas, 2021. "Trust in insurance: The importance of experiences," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 88(2), pages 263-291, June.
    4. Holst, Laurens & Rademakers, Jany J.D.J.M. & Brabers, Anne E.M. & de Jong, Judith D., 2022. "Measuring health insurance literacy in the Netherlands – First results of the HILM-NL questionnaire," Health Policy, Elsevier, vol. 126(11), pages 1157-1162.
    5. de Vries, Hein & Vahl, Jos & Muris, Jean & Evers, Silvia & van der Horst, Henriëtte & Cheung, Kei Long, 2021. "Effects of the reform of the Dutch healthcare into managed competition: Results of a Delphi study among experts," Health Policy, Elsevier, vol. 125(1), pages 27-33.
    6. Carin van der Cruijsen & Jakob de Haan & Ria Roerink, 2023. "Trust in financial institutions: A survey," Journal of Economic Surveys, Wiley Blackwell, vol. 37(4), pages 1214-1254, September.
    7. Nicolet, Anna & Perraudin, Clémence & Krucien, Nicolas & Wagner, Joël & Peytremann-Bridevaux, Isabelle & Marti, Joachim, 2023. "Preferences of older adults for healthcare models designed to improve care coordination: Evidence from Western Switzerland," Health Policy, Elsevier, vol. 132(C).
    8. van Dijk, T.S. (Tessa) & van der Scheer, W.K. (Wilma) & Janssen, R.T.J.M. (Richard), 2021. "Power, legitimacy and urgency: Unravelling the relationship between Dutch healthcare organisations and their financial stakeholders," Health Policy, Elsevier, vol. 125(8), pages 1077-1084.
    9. Wouter van der Schors & Marco Varkevisser, 2023. "Does Enforcement of the Cartel Prohibition in Healthcare Reflect Public and Political Attitudes Towards Competition? A Longitudinal Study From the Netherlands," Journal of Competition Law and Economics, Oxford University Press, vol. 19(2), pages 193-219.

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