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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 Cryptogram Sports Quotes by Sh Puzzle Game Press in Large Print Paperback and other formats in Games & Activities > Puzzles.

This set of four wooden coasters, with powerful and inspiring quotes from the saints, provide a fantastic way to sample your beverage of choice without having to worry about the furniture. Not only are they functional, they also look fantastic when not in use with the slotted wooden display stand. Catholic housewarming gift for a loved one. Part of our Catholic Coffee collection.  Learn more about Catholic Coffee. Set A coasters feature the following quotes: "I am not afraid. I was born to do this." -Joan of Arc "St. Michael the Archangel, defend us in battle." "Pray, hope, and don't worry." -Padre Pio "Christ be with me, Christ within me." -St. Patrick Set B coasters feature the following quotes: "Lord, you know that I love you." -St. Peter "Love is everything." -St. Therese of Lisieux "Let not your heart be disturbed. Am I not here, who is your Mother?" -Our Lady of Guadalupe "I am certain in my heart that all that I am, I have received from God." -St. Patrick © Copyright 2021 Trinity Road LLC/The Catholic Company Set of four coasters with wooden display stand Enjoy Catholic Coffee without worrying about the furniture Charming and practical home decor Catholic Coffee Exclusive Hardboard with cork backing 4" x 4" Mahogany stand included

Find Greatest Inspirational Quotes by Jason James in Paperback and other formats in Self-Help > Personal Growth - Self-Esteem.

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