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Private health insurances in the Swedish health care system – A framework to evaluate the market forces
KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Sustainability and Industrial Dynamics.
KTH, School of Industrial Engineering and Management (ITM), Industrial Economics and Management (Dept.), Sustainability and Industrial Dynamics.
2014 (English)Independent thesis Advanced level (degree of Master (Two Years)), 20 credits / 30 HE creditsStudent thesis
Abstract [en]

Demographical changes are predicted to induce increased expenditures in the Swedish health care system and thereby put pressure on decision makers to solve the upcoming financial problems. Private health insurances (PHIs) are argued to be a potential solution for co-financing the Swedish health care system, but its effects are earlier poorly investigated. This report states that the insurance companies argue that the main argument for subscribing for PHIs is to reduce the waiting times for receiving health care. In the recent years, the market for PHIs have increased significantly and the development is predicted to continue. On the other side, the Swedish government runs several initiatives aiming to reduce the waiting times in the public health care system. Even though the waiting times are decreased, this report shows that the perceived accessibility in some cases depends on other factor than just waiting times. These facts together create an interesting contradiction since the future developments for PHIs are not that clear and could take several directions. With this background, this report describes the complex context for the Swedish market of PHIs. Further, this report indicates that there are differences in waiting times between the public health care system and the system for PHI holders and also a correlation between reduced waiting time and reduced level of sick days. Finally, this report delivers a model that describes the market for PHIs and the aspects having greater impact on the market. The aspects that have the greatest impact on the market for PHIs are; (1) political regulations, (2) substitutes to PHIs and (3) aspects of market dynamics. The model is especially preferable to use when creating forecasts of the market for PHIs. Finally, three probable scenarios for the future market of PHIs are described.

Abstract [sv]

Demografiska förändringar förutspås leda till ökade utgifter i den svenska hälso- och sjukvården och därigenom sätta press på ansvariga beslutsfattare att lösa de kommande ekonomiska problemen. Det argumenteras för att privata sjukförsäkringar (PHIs) kan vara en potentiell lösning till finansiera den svenska sjukvården. Dock har PHIs andra effekter vilka tidigare endast är begränsat undersökta. Rapporten konstaterar att de största försäkringsbolagen säljer PHIs med huvudargumentet att PHIs minskar väntetiden till vård. Under de senaste åren har marknaden för PHIs ökat betydligt och utvecklingen väntas fortsätta. Samtidigt driver den svenska regeringen flera initiativ som syftar till att minska väntetiderna inom den offentliga hälso- och sjukvården. Trots att väntetiderna minskar, ökar alltså antalet PHIs i Sverige. Detta skapar en intressant motsägelse och den framtida utvecklingen för marknaden av PHIs är inte entydigt given och kan ta flera riktningar. Med denna bakgrund beskrivs i rapporten den komplexa kontexten för den svenska marknaden för PHIs. Rapporten visar att det finns skillnader i väntetider mellan den patienter utan PHIs och patienter med PHIs. Vidare påvisas en korrelation mellan minskad väntetid och minskad nivå av sjukdagar. Slutligen presenteras en modell som beskriver marknaden för PHIs och de krafter som utgör marknaden för PHIs i Sverige. Dessa krafter är; (1) politiska regleringar, (2) substitut till PHIs och (3) aspekter av marknadsdynamik. Slutligen beskrivs tre potentiella scenarier för den framtida marknaden är PHIs.

Place, publisher, year, edition, pages
2014. , 90 p.
Keyword [en]
Swedish health care system, private health insurances (PHIs), market dynamics, level of sick days, target achievement, perceived accessibility
National Category
Medical and Health Sciences
Identifiers
URN: urn:nbn:se:kth:diva-147670OAI: oai:DiVA.org:kth-147670DiVA: diva2:731413
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Examiners
Available from: 2014-07-02 Created: 2014-07-01 Last updated: 2014-07-02Bibliographically approved

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  • apa
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