Bonus Options in Health Insurance

The book explores the challenges faced by policymakers in managing healthcare costs while addressing consumer participation in expenses. It examines the strategies of three private German health insurers, focusing on their unique approaches to copayment and incentives. Insurer A uses traditional deductibles, B offers rebates for no claims, and C implements a bonus system that rewards claim-free years. The study reveals that bonus systems are particularly effective in reducing demand for medical services, while also raising concerns about potential negative health impacts from the desire to preserve bonuses.