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Compensation cost indicators of long-term hospital insurance programmes for the years 2011-2019
Category: Microeconomic Analysis
SubCategory: Health
Date: 29/12/2020
The scope of this study is to design and estimate indicators for monitoring the compensation cost of personal hospital insurance programmes. These indicators exclusively concern guaranteed renewable programmes. They measure the annual percentage changes of the average expenditure of the health insurance market as a whole. The study is based on data collected from 14 insurance companies for the period 2011 – 2019. The analysis of the data shows that in 2011-2019, the loss incidence across the portfolio increased to 17.4% in 2019, from 16.6% in 2018 and 14.1% in 2011. Correspondingly, the average compensation cost increased to EUR 3.7k, up from EUR 3.4k in 2018 and EUR 2.9k in 2011. The rise of these two parameters led to a 10.9% increase in the Single Health Index in 2019.

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