This paper investigates the role of risk aversion in the decision on the uptake of a supplementary health insurance and will consequently look at the effects of having such an insurance on healthcare utilisation. The relationship between these aforementioned variables will be tested using OLS regressions and a multivariate probit model. This study provides evidence that risk aversion has a positive effect on the probability of opting for a supplementary health insurance. Additionally, healthcare utilisation is found to be higher due to the uptake of health insurance. This research did not manage to show whether this relationship is caused by moral hazard or adverse selection.

Netspar, Network for Studies on Pensions, Aging and Retirement, is een denktank en kennisnetwerk. Netspar is gericht op een goed geïnformeerd pensioendebat.

MEER OVER NETSPAR


Missie en strategie           •           Netwerk           •           Organisatie           •          Podcasts
Board Brief            •            Werkprogramma 2019-2023           •           Onderzoeksagenda

OVER NETSPAR

Onze partners

B20221103_Zwitserlevengrayscale
B20220412_SPIN_logo+naam_2xPMS_2_voettekst
B20210909_SPMS_logo download greyscale smaller
B20200924_Ortec Finance logo 250px_banner_small
B20210618_Achmea_logo_grey
Bekijk al onze partners