Private voluntary health insurance in development : friend or foe? /
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| Imprint: | Washington, D.C. : World Bank, c2007. |
|---|---|
| Description: | xxvii, 424 p. : ill. ; 26 cm. |
| Language: | English |
| Series: | Health, nutrition, and population series Health, nutrition, and population series. |
| Subject: | |
| Format: | Print Book |
| URL for this record: | http://pi.lib.uchicago.edu/1001/cat/bib/9349446 |
Table of Contents:
- Foreword
- Preface
- Acknowledgments
- Abbreviations and Acronyms
- 1. The Evolution of Health InsuranceinDeveloping Countries
- Overview
- Objectives of Review
- Methodology
- Review of Opportunities for Expanding VHI Markets
- Annex: Model Specification for Impact Evaluation Studies
- Notes
- References
- Part I. Economic Underpinnings
- 2. Insights on Demand for Private Voluntary Health Insurance in Less Developed Countries
- Introduction
- Toward an Applicable Theory of Medical Insurance Demand
- The Theory of Insurance Demand
- When Is Insurance Most Valuable?
- Moral Hazard: What If Insurance Affects the Amount of Loss?
- Insurance Demand- and Supply-Side Cost Sharing
- Adverse Selection and Voluntary Insurance Markets
- Cream Skimming and Demand
- Insurance Reserves and Demand
- Group Insurance Demand
- Effect of Insurance Subsidies on Demand
- Demand for Protection against Risk Reclassification
- Health Insurance, Income, and Demand
- New Technology, Cost Containment, and Insurance Demand
- Other Reasons for Nonpurchase of Insurance or Market Failure
- Applying Theory to Demand for Health Insurance in Developing Countries
- Note
- References
- 3. Supply of Private Voluntary Health Insurance in Low-Income Countries
- Introduction
- Benefit Package
- Risk Selection Effort
- Loading
- Vertical Restraints/Vertical Integration
- Conclusions
- Annex 3A. Types and Efficiency Effects of Regulation
- Annex 3B. Corruption
- Annex 3C. Quality of Governance
- Notes
- References and Other Sources
- 4. Market Outcomes, Regulation, and Policy Recommendations
- Market Equilibria in Voluntary Insurance Markets
- Structure and Intensity of Regulation of Health Insurance
- Policy Recommendations
- Subsidized and Regulated Insurance
- Ideal and Alternative Public-Private Combinations
- Ideal Model of Private Insurance Purchasing and Markets in LICs
- Conclusion
- Notes
- References
- 5. Provision of a Public Benefit Package alongside Private Voluntary Health Insurance
- Introduction
- Background
- The Model
- A Public Choice Perspective
- Conclusions
- Notes
- References
- 6. Economics of Private Voluntary Health Insurance Revisited
- Introduction
- Why Is Demand for Insurance So Low?
- What to Regulate and How to Regulate It
- What Is the Optimal Subsidy?
- How Might Voluntary Insurance Affect the Public Package of Care?
- Notes
- Part 2. Empirical Evidence
- 7. Scope, Limitations, and Policy Responses
- Introduction
- Data and Methodology
- Growth of Private Health Insurance in Low- and Middle-Income Countries
- Regional Challenges to Integrating Private Health Insurance into a Health System
- Conclusions and Outlook
- Notes
- References
- 8. Lessons for Developing Countries from the OECD
- Introduction
- Roles and Scope of Private Health Insurance in OECD Countries
- Lessons for Developing Countries
- Conclusion
- Notes
- References
- 9. Trends and Regulatory Challenges in Harnessing Private Voluntary Health Insurance
- Background and Context
- Patterns of Health Financing
- Experience with Private Health Insurance
- Using Private Health Insurance to Serve the Public Interest
- Conclusions
- Notes
- References
- Part 3. From Theory to Practice
- 10. Financial and Management Best Practice in Private Voluntary Health Insurance
- Introduction
- Voluntary Health Financing: Institutional Capacity from a Management Perspective
- Institutional Capacity from a Technical, Financial, and Balance Sheet Perspective
- Solvency
- Regulation
- Best Practices for Individual Insurers
- Best Practices for an Insurance Industry
- Summary of the Current State of Voluntary Health Insurance
- Voluntary Health Insurance in Developing Countries
- Notes
- References and Other Sources
- 11. Opportunities and Constraints in Management Practices in Sub-Saharan Africa
- Introduction
- Context of Voluntary Health Insurance in Sub-Saharan Africa
- Voluntary Health Insurance in South Africa and in the Countries of West Africa and East Africa
- Issues in South Africa
- Issues in West Africa
- Issues in East Africa
- Conclusion
- Note
- References and Other Sources
- 12. Facilitating and Safeguarding Regulation in Advanced Market Economies
- Introduction
- Overview of Regulation in Advanced Market Economies
- Solvency Regulation
- Regulation of Pricing and Risk Selection
- Conclusions
- Notes
- References
- 13. Financial and Other Regulatory Challenges in Low-Income Countries
- Introduction
- Out-of-Pocket Payments and Private Voluntary Health Insurance
- General Challenges in Developing a PVHI Market
- Regulatory Issues and Challenges in LICs
- Regulatory and Supervisory Authority
- Conclusion
- Note
- References
- Appendix. Review of the Literature on Voluntary Private Health Insurance
- Introduction
- Methods and Results
- Definitions and Frameworks
- Demand for Voluntary Health Insurance
- Supply of Voluntary Health Insurance
- Performance and Impact of Voluntary Health Insurance
- Conclusions and Recommendations
- Note
- Bibliography
- About the Coeditors and Contributors
- Index