Preferences for health insurance in Germany and the Netherlands - a tale of two countries

Health Economics Review

Table 7 Marginal willingness-to-pay values for attributes (derived from the core model), Netherlands compared to Germany

	Δ^a)	WTP Netherlands	Std. error	WTP Germany	Std. error
Physician list	Δ	-216***	25.02	-346^b)	33.04
Network		-155***	22.09	-203	29.80
Hospital access		70***	17.12	n.a.	n.a.
Second opinion		n.a.	n.a.	80	22.33
Services insurer	Δ	56***	16.76	234	22.32
Bonus option	Δ	-7	20.25	359^c)	30.04
Deductible	Δ	-409***	27.37	-246	33.51
Bonus prev. beh.	Δ	0	27.95	203	37.87
Constant	Δ	-256***	25.87	-500	36.49

Values in Euro per year.
^a)Difference between Germany and the Netherlands significant at the 5 percent level or better.
^b)Transferred from Table 6. For comparison purposes, the figures for the Netherlands take free choice of physician as the benchmark.
^c)WTP for increasing the bonus for no claims from 255 to 500 Euro in the Netherlands.
***WTP different from zero with an error probability of < 1 percent.

ISSN: 2191-1991