Tržište privatnog zdravstvenog osiguranja u Europskoj uniji

master's thesis

• Title (english): Private health insurance market in the European Union
• Author: Bruna Mesić
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Committee member: Antonija Buljan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-09-27, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U radu se odgovara na pitanja koja je uloga privatnog zdravstvenog osiguranja, što ga karakterizira i u čemu su potencijalne prednosti ili nedostaci u odnosu na obvezno zdravstveno osiguranje, te analizira razvijenost i dostupnost usluga privatnog zdravstvenog osiguranja u EU. Definiraju se izvori financiranja i sudionici tržišta, što karakterizira osiguranike među kojima je privatno zdravstveno osiguranje najzastupljenije. Usporedbom i analizom tržišta privatnog zdravstvenog osiguranja na području Europske unije procjenjuje se njegova učinkovitost i definiraju mogući izazovi. Pružanje zdravstvene zaštite u Europi ukazuje na to da iako postoje značajne razlike u načinu na koji je privatni sektor uključen u pružanje zdravstvene zaštite, postoje razni načini efikasnog pružanja iste. Privatno zdravstveno osiguranje vjerojatnije će kupiti oni koji su relativno bogati, zaposleni, obrazovani, te žive u urbanim područjima. Treba razmotriti treba li razvoj privatnog sektora prepustiti tržištu ili bi država trebala imati djelomičnu/potpunu kontrolu nad razvojem privatnog sektora. Privatno zdravstveno osiguranje često potkopava ciljeve zdravstvene politike unutar tržišta, posebice jednakost u financiranju i jednakost u pristupu zdravstvenoj skrbi. Međutim, ono pomaže u pružanju financijske zaštite u širem sustavu zdravstvene zaštite. Osiguravatelji igraju važnu ulogu u pružanju financijske zaštite pretplatnicima ali njihova prisutnost na tržištu može i potkopavati druge ciljeve zdravstvene politike. Primjerice, dopuštanje osobama s visokim primanjima da biraju između zakonskog i privatnog osiguranja, dovodi do segmentacije rizika i opterećuje resurse zakonskog sustava, koji ne samo da gubi doprinose osoba s visokim primanjima, već pokriva i nerazmjerno visokorizičnu populaciju.

Abstract (english)

The paper answers questions about the role of private health insurance, what characterizes it and what are the potential advantages or disadvantages compared to mandatory health insurance, and analyzes the development and availability of private health insurance services in the EU. Funding sources and market participants are defined, which characterizes the insured, among whom private health insurance is the most represented. By comparing and analyzing the private health insurance market in the European Union, its effectiveness is assessed and possible challenges are defined. The provision of health care in Europe indicates that although there are significant differences in the way in which the private sector is involved in the provision of health care, there are various ways of providing it efficiently. Private health insurance is more likely to be purchased by those who are relatively wealthy, employed, educated, and living in urban areas. It should be considered whether the development of the private sector should be left to the market or whether the state should have partial/full control over the development of the private sector. Private health insurance often undermines health policy goals within the market, particularly equity in financing and equity in access to health care. However, it helps provide financial protection in the wider health care system. Insurers play an important role in providing financial protection to subscribers, but their presence in the market can also undermine other health policy goals. For example, allowing high earners to choose between statutory and private insurance leads to risk segmentation and strains the resources of the statutory system, which not only loses contributions from high earners, but also covers a disproportionately high-risk population.

• Keywords: zdravstveni sustav; privatno zdravstveno osiguranje; EU; zdravstvena zaštita
• Keywords (english): health system; private health insurance; EU; health care
• Language: croatian
• URN:NBN: urn:nbn:hr:148:404839
• Study programme: Title: Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2022-10-03 18:36:27