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Voluntary health insurance in Europe
Observatory Studies Series, No. 42
Editors: Anna Sagan and Sarah Thomson.
Abstract
No two markets for voluntary health insurance (VHI) are identical. All differ in some way because they are heavily shaped by the nature and performance of publicly financed health systems and by the contexts in which they have evolved.
This volume contains short, structured profiles of markets for VHI in 34 countries in the WHO European Region. These are drawn from European Union Member States plus Armenia, Iceland, Georgia, Norway, the Russian Federation, Switzerland and Ukraine. The book is aimed at policy-makers and researchers interested in knowing more about how VHI works in practice in a wide range of contexts.
Each profile, written by one or more local experts, identifies gaps in publicly financed health coverage, describes the role VHI plays, outlines how the market for VHI operates, summarizes public policy towards VHI, including major developments over time, and highlights national debates and challenges.
The book is part of a study on VHI in Europe prepared jointly by the European Observatory on Health Systems and Policies and the WHO Regional Office for Europe. A companion volume, “An introduction to voluntary health insurance in Europe”, provides an analytical overview of VHI markets across the 34 countries.
Contents
- Acknowledgements
- List of abbreviations
- Contributors
- Note
- IntroductionAnna Sagan and Sarah Thomson.
- 1. ArmeniaVarduhi Petrosyan and Hripsime Martirosyan.
- 2. AustriaThomas Czypionka and Clemens Sigl.
- 3. BelgiumSophie Gerkens.
- 4. BulgariaAntoniya Dimova.
- 5. CroatiaKarmen Lončarek.
- 6. CyprusMamas Theodorou and Antonis Farmakas.
- 7. Czech RepublicMartin Dlouhy.
- 8. DenmarkKarsten Vrangbæk.
- 9. EstoniaTriin Habicht.
- 10. FinlandLauri Vuorenkoski.
- 11. FranceKarine Chevreul, Karen Berg Brigham, and Marc Perronnin.
- 12. GeorgiaErica Richardson and Nana Gugeshashvili.
- 13. GermanyStefan Greß.
- 14. GreeceCharalampos Economou.
- 15. HungarySzabolcs Szigeti, Ferenc Lindeisz, and Péter Gaál.
- 16. IcelandSigurbjörg Sigurgeirsdóttir.
- 17. IrelandBrian Turner.
- 18. ItalyFrancesca Ferré.
- 19. LatviaGirts Brigis.
- 20. LithuaniaGintaras Kacevicius.
- 21. MaltaNatasha Azzopardi-Muscat.
- 22. NetherlandsHans Maarse.
- 23. NorwayJan Roth Johnsen.
- 24. PolandAlicja Sobczak.
- 25. PortugalMónica Duarte Oliveira and Sofia Nogueira da Silva.
- 26. RomaniaVictor Olsavszky.
- 27. Russian FederationElena Potapchik.
- 28. SlovakiaPeter Pazitny and Peter Balik.
- 29. SloveniaAnja Milenkovic Kramer.
- 30. SpainJoan Costa-i-Font.
- 31. SwedenCaj Skoglund.
- 32. SwitzerlandViktor von Wyl and Konstantin Beck.
- 33. UkraineValery Lekhan.
- 34. United KingdomThomas Foubister and Erica Richardson.
The European Observatory on Health Systems and Policies supports and promotes evidence-based health policy-making through comprehensive and rigorous analysis of health systems in Europe. It brings together a wide range of policy-makers, academics and practitioners to analyse trends in health reform, drawing on experience from across Europe to illuminate policy issues.
The Observatory is a partnership hosted by the WHO Regional Office for Europe, which includes the governments of Austria, Belgium, Finland, Ireland, Norway, Slovenia, Sweden, the United Kingdom and the Veneto Region of Italy; the European Commission; the World Bank; UNCAM (French National Union of Health Insurance Funds); the London School of Economics and Political Science; and the London School of Hygiene & Tropical Medicine. The Observatory has a secretariat in Brussels and it has hubs in London (at LSE and LSHTM) and at the Technical University of Berlin.
All rights reserved. The European Observatory on Health Systems and Policies welcomes requests for permission to reproduce or translate its publications, in part or in full.
Box
Please address requests about the publication to: Publications, WHO Regional Office for Europe, UN City, Marmorvej 51, DK-2100 Copenhagen Ø, Denmark
The designations employed and the presentation of the material in this publication do not imply the expression of any opinion whatsoever on the part of the European Observatory on Health Systems and Policies concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries.
The mention of specific companies or of certain manufacturers’ products does not imply that they are endorsed or recommended by the European Observatory on Health Systems and Policies in preference to others of a similar nature that are not mentioned. Errors and omissions excepted, the names of proprietary products are distinguished by initial capital letters.
All reasonable precautions have been taken by the European Observatory on Health Systems and Policies to verify the information contained in this publication. However, the published material is being distributed without warranty of any kind, either express or implied. The responsibility for the interpretation and use of the material lies with the reader. In no event shall the European Observatory on Health Systems and Policies be liable for damages arising from its use. The views expressed by authors, editors, or expert groups do not necessarily represent the decisions or the stated policy of the European Observatory on Health Systems and Policies or any of its partners.
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Typeset by Peter Powell
Cover design by M2M
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