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Private Health Insurance in Australia: A Case Study

Author

Listed:
  • Francesca Colombo
  • Nicole Tapay
Abstract
Despite universal public insurance coverage, private health insurance (PHI) covers almost half of the Australian population – a high coverage rate in comparison with most other OECD countries. Reflecting the belief that a well-functioning health care system should be based on a mixed system of insurance and provision, Australia’s policy makers have encouraged the development of private financing and delivery arrangements operating in parallel to the public system. PHI is seen as a vehicle for enhancing individuals’ choice of provider and care options, and for reducing cost and demand pressures on public hospitals. Policy makers have intervened substantially in the private health insurance market. Regulation has promoted risk-pooling and incentive policies have stimulated the purchase of private cover. This paper analyses the Australian private health insurance market. It describes how PHI interacts with the public system, and assesses its contribution to equity, efficiency and ... En dépit de l'assurance publique universelle, l'assurance maladie privée couvre presque la moitié de la population australienne -- un taux élevé d'assurance en comparaison de la plupart des autres pays de l'OCDE. En reflétant ( ?) la croyance qu'un système de santé qui fonctionne bien devrait être basé sur un système mixte d'assurance public et privé, les décisionnaires australiens ont encouragé le développement des arrangements privés de financement et de provision des soins de santé qui fonctionnent en parallèle du système public. L'assurance maladie privée est considérée comme un moteur pour augmenter le choix des fournisseurs de soins et des options de soins ainsi que pour réduire les coûts et la forte demande envers les hôpitaux publics. L’Australie est intervenue largement sur le marché de l'assurance maladie privée. La régulation a favorisé la prise en charge de risque et les politiques d'incitation ont stimulé l'adhésion à la couverture privée. Cet article analyse le marché ...

Suggested Citation

  • Francesca Colombo & Nicole Tapay, 2003. "Private Health Insurance in Australia: A Case Study," OECD Health Working Papers 8, OECD Publishing.
    • Handle: RePEc:oec:elsaad:8-en
    DOI: 10.1787/478608584171
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    Citations

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    Cited by:

    1. Damien Eldridge & Catagay Koc & Ilke Onur & Malathi Velamuri, 2011. "The Impact of Private Hospital Insurance on Utilization of Hospital Care in Australia: Evidence from the National Health Survey," Working Papers 2011.01, School of Economics, La Trobe University, revised Jan 2011.
    2. Jacqueline O'Reilly & Miriam M. Wiley, 2007. "The Public/Private Mix in Irish Acute Public Hospitals: Trends and Implications," Papers WP218, Economic and Social Research Institute (ESRI).
    3. Benoit, Cecilia & Zadoroznyj, Maria & Hallgrimsdottir, Helga & Treloar, Adrienne & Taylor, Kara, 2010. "Medical dominance and neoliberalisation in maternal care provision: The evidence from Canada and Australia," Social Science & Medicine, Elsevier, vol. 71(3), pages 475-481, August.
    4. Damien S. Eldridge & Ilke Onur & Malathi Velamuri, 2017. "The impact of private hospital insurance on the utilization of hospital care in Australia," Applied Economics, Taylor & Francis Journals, vol. 49(1), pages 78-95, January.
    5. Pablo Gottret & George Schieber, 2006. "Health Financing Revisited : A Practitioner's Guide," World Bank Publications - Books, The World Bank Group, number 7094.
    6. Doiron, Denise & Fiebig, Denzil G. & Suziedelyte, Agne, 2014. "Hips and hearts: The variation in incentive effects of insurance across hospital procedures," Journal of Health Economics, Elsevier, vol. 37(C), pages 81-97.
    7. Betliy Oleksandra & Kuziakiv Oksana & Onishchenko Katerina, 2007. "The evaluation of health care system in Ukraine in the context of structural and quality-enhancing reforms," EERC Working Paper Series 07/07e, EERC Research Network, Russia and CIS.
    8. Ou Yang & Jongsay Yong & Yuting Zhang, 2024. "Effects of private health insurance on waiting time in public hospitals," Health Economics, John Wiley & Sons, Ltd., vol. 33(6), pages 1192-1210, June.
    9. Thomas Buchmueller, 2008. "Community Rating, Entry-Age Rating and Adverse Selection in Private Health Insurance in Australia*," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 33(4), pages 588-609, October.
    10. Sebastian Gechert, 2010. "Supplementary Private Health Insurance in Selected Countries: Lessons for EU Governments?," CESifo Economic Studies, CESifo Group, vol. 56(3), pages 444-464, September.
    11. Damien Eldridge & Catagay Koc & Ilke Onur & Malathi Velamuri, 2011. "The Impact of Private Hospital Insurance on Utilization of Hospital Care in Australia: Evidence from the National Health Survey," Working Papers 2011.01, School of Economics, La Trobe University, revised Jan 2011.
    12. Preety Srivastava & Gang Chen & Anthony Harris, 2017. "Oral Health, Dental Insurance and Dental Service use in Australia," Health Economics, John Wiley & Sons, Ltd., vol. 26(1), pages 35-53, January.
    13. Roger Carrington & Tim Coelli & D.S. Prasada Rao, 2011. "Australian Private Health Insurance Productivity Growth: Is there Scope to Limit Premium Increases?," The Economic Record, The Economic Society of Australia, vol. 87(276), pages 125-139, March.

    More about this item

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
    • I19 - Health, Education, and Welfare - - Health - - - Other

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