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Demand patterns for treatment insurance in Norway

Aarbu, Karl Ove
Working paper
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dp2010-11.pdf (371.2Kb)
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http://hdl.handle.net/11250/163218
Utgivelsesdato
2010-04
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  • Discussion papers (SAM) [581]
Sammendrag
In Scandinavia, the provision of health care services has been, almost entirely, the

responsibility of the public health care system. However, in the last five to seven years there

has been remarkable growth in the private health care market. These health care services are

obtained normally through insurance contracts. In this paper, I seek explanations for this

phenomenon, using data from Norway. First, using available market data, I document that

the market for private treatment insurance—often labelled as “jump the treatment queue

insurance”—is growing rapidly. Thereafter, I present a theoretical model that identifies

primary drivers for individual demand for treatment insurance. The third step is to analyse a

unique survey data set that is combined with aggregate county data on treatment queues. The

overall results indicate that public waiting lists affect the demand for privately bought

insurance, while employer-provided insurance does not seem to be affected. I find strong

preference for this type of insurance among smokers and the self-employed. Moreover,

income is an important determinant of insurance demand.
Utgiver
Norwegian School of Economics and Business Administration. Department of Economics
Serie
Discussion paper
2010:11

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