Better Coinsurance Risk Sharing in Nursing Home Care

“Long-term nursing home care constitutes a considerable financial risk for the middle class”

One in five older people in the Netherlands will need nursing home care during their lifetime. Users must pay a portion of the cost themselves, as determined by their income- and wealth-dependent co-payment. This co-payment constitutes a considerable financial risk
for middle-class seniors who need long-term nursing home care. For this group, the annual cost of such care can exceed 70% of their net income.

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Key Takeaways for the Industry

  • By designing coinsurance rates different, the government could limit the financial repercussions of coinsurance without it costing any money.
  • The real pressure on income and net worth could be decreased by immediately incorporating home equity and giving the return from this back to seniors in the form of lower contributions from their income or limiting the period for paying coinsurance to a maximum of six years.
  • These measures would create significant economic gains for most older people.

Want to know more?

Download the paper ‘Betere risicospreiding van eigen bijdragen in de verpleeghuiszorg” (in Dutch only) by Bram Wouterse (EUR), Arjen Hussem (PGGM) and Rob Aalbers (CPB)
Download the CPB backgrounddocument by Bram Wouterse (EUR), Arjen Hussem (PGGM) and Rob Aalbers (CPB) and the infographic. (Dutch only)

Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.


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