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Compensation cost indicators of long-term hospital insurance programmes for 2022
Category: Microeconomic Analysis
SubCategory: Health
Date: 29/11/2023
The scope of this study is to 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 12 insurance companies, which manage 13 insurance portfolios, covering almost the total market for personal hospital insurance programmes with a guaranteed renewal. The analysis of the data shows that the loss incidence across the whole portfolio increased to 17.8% in 2021, from 16.4% in 2020. Meanwhile, the average compensation cost increased slightly to EUR 4,375, from EUR 4,141 in 2021. The change in these two parameters led to an increase of 14,0% in the Single Health Index (SHI) in 2022. Without the age effects, the SHI increased by 8.2%.

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