Demand Patterns for Treatment Insurance in Norway

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.

• Publication year

  2010

• Venue

  Social Science Research Network

• Publication date

  2010-04-09

• Fields of study

  Medicine, Business, Economics

• Identifiers
  DOI 10.2139/SSRN.1589507
• External record

  Open on Semantic Scholar

• Source metadata

  Semantic Scholar

• No claims are published for this paper.

• No concepts are published for this paper.

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