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Find Health, Hope, and Healing for All by Eugene A. Woods in Hardcover and other formats in Medical > Health Policy.

Confronted with the continuing cost expansion in the health care sector, policy makers face a dilemma: limiting moral hazard in medical care requires that consumers participate in the cost, yet copayment is strongly resisted by today's socially insured. Thus, the experiences of three private German health insurers will be of interest to physicians, social scientists, and policy makers. Insurer A writes conventional plans with deductibles and coinsurance; B pays back three-monthly premiums as a fixed rebate for no claims; while C runs an experience-rated bonus system starting with a rebate of three-monthly premiums for the first year without a claim, reaching a maximum of five after three years. While both rebates and bonuses are quite popular among insureds, this study shows that bonus options are particularly effective in limiting the demand for ambulatory and even hospital care. But what about adverse effects on health caused by the desire to save one's bonus? On this issue, there is some surprising evidence.

Research has paid little attention to date on how European Union law and regulation affect both the public-private mix in healthcare and the organization of private health insurance as an industry. Filling this gap, this collective book provides insights on the political economy of EU insurance regulation, its impact on private health insurers and on its interactions with domestic healthcare policy-making in four countries. Assembling original contributions drafted by a multidisciplinary team, Private Health Insurance and the European Union offers a thorough examination of a largely unrecognized source of EU influence in healthcare – and sheds a new light on the role played by private actors in social policy. Chapter 1 is available open access under a Creative Commons Attribution 4.0 International License via link.springer.com.

Find Life, Accident & Health by Rodney M. Jefferson in Paperback and other formats in Business & Economics > Insurance - Life.

This book provides the first comparative assessment of the energy-efficiency retrofit programs in the social housing sector of Canadian cities, focusing on program efficiency and effectiveness. The analytical framework explores key policy instruments - regulatory, fiscal and institutional - in relation to major results achieved. The approach is interdisciplinary, supported by rich empirical data from case studies, observations and interviews. The book explores important strategies for the provision of green and affordable housing, while addressing climate change imperatives and resilience issues. This is of great interest to researchers, policy makers, city leaders, professionals and students. Its value added contribution to scholarship is complemented by practical relevance for social housing organisations in countries with a small residual housing sector. It offers valuable lessons for the design, planning and implementation of energy retrofit programs in North America and beyond.

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