1、PDF外文：http:/ 中文3340字 外文文献翻译材料 （ 2010 届） 瑞士社会健康保险：共同 支付 学生姓名 学 号
2、 院 系 医 学 院 专 业 公共事业管理 (卫生事业管理 ) 指导教师 填写日
3、期 SWISS SOCIAL HEALTH INSURANCE: CO-PAYMENTS WORK STEFAN FELDE
4、R AND ANDREAS WERBLOW From the perspective of an insurance community,co-payments are only interesting if they affect total expenditure by a decrease in the probability or the size of damages. If the insured take preventive actions to reduce the risk or change their behavior when damages occur, their
5、 expenditure will decrease. If insurance coverage is comprehensive, important incentives for prevention and restricting damages are absent. Economists speak of moral hazard, referring to the effect of the extent of insurance coverage on the behavior of the insured. In health insurance, the insured h
6、ave a particularly large influence on the amount of services they demand. Healthy food, sufficient physical motion, prevention of stress, all these reduce the probability of an illness. Moreover, the behavior in case of an illness, i.e.the choice of therapy or the patientscompliance with the physici
7、ansprescriptions will substantially affect health care expenditure. Do copayments reduce moral hazard in health insurance?Swiss social health insurance is an ideal candidate for studying this issue, as co-payments have a long tradition there. Characteristics of the Swiss health insurance system In S
8、witzerland, 100 percent of the population is enrolled in the statutory (basic) health insurance system. In the complementary private insurance sector, the equivalence principle holds the insured pay risk equivalent premiums. By comparison,community rating applies in social health insurance, i.e. eve
9、ry person within a sickness fund pays the same premium irrespective of his/her risk.This implies that the so-called good risks (persons whose payments exceed their expected expendisubsidize the bad risks (persons with payments below the expected expenditure). With the given health care expenditure p
10、rofiles, community rating means for instance that the young subsidize the old and that men subsidize women. In contrast to Germany and other countries,Switzerland does not impose any substantial interregional redistribution in financing health care. Premiums are differentiated according to regional
11、differences in health care expenditure. Furthermore,contributions to health insurance are not paid from the payroll but function as in other insurance sectors. Every individual adult, adolescent or child therefore pays his/her own premium. Nevertheless, lowincome persons receive a subsidy from the local government as well as from the federal state to pay for health insurance. The average health insurance premium is around170 per month.
