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Less Social Health Insurance – More Private Supplementary Insurance? – Empirical Evidence from Germany

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  • Augurzky, Boris
  • Tauchmann, Harald

Abstract

This paper uses individual level data to analyze the effect of changes in the compulsory benefit package of the German statutory health insurance scheme on the demand for private supplementary insurance. In particular, we aim at measuring the effect of excluding dentures from the benefit package in 1997 as well as the effect of re-including them in 1999. A difference-in-differences estimator is used. Individuals born prior to 1979 serve as control group because only the young were affected by the reform. Our results do not exhibit any significant effects on the demand for supplementary health insurance. Thus, the hypothesis that clients do make informed choices about their health insurances' coverage is not supported.

Suggested Citation

  • Augurzky, Boris & Tauchmann, Harald, 2008. "Less Social Health Insurance – More Private Supplementary Insurance? – Empirical Evidence from Germany," Ruhr Economic Papers 46, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    • Handle: RePEc:zbw:rwirep:46
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    Cited by:

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    2. Cuesta, Jose & Olivera, Mauricio, 2014. "The impact of social security reform on the labor market: The case of Colombia," Journal of Policy Modeling, Elsevier, vol. 36(6), pages 1118-1134.

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    More about this item

    Keywords

    Supplementary private health insurance; dentures; difference- in-differences;
    All these keywords.

    JEL classification:

    • I12 - Health, Education, and Welfare - - Health - - - Health Behavior
    • P23 - Political Economy and Comparative Economic Systems - - Socialist and Transition Economies - - - Factor and Product Markets; Industry Studies; Population

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