Anke Höhmann
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Moral Hazard Effects in Health Insurance. An Empirical Perspective (eBook, PDF)

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Seminar paper from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, University of Kassel, language: English, abstract: In the discussion about cost increase for German health care, the existence of a moral hazard problem is often mentioned. A bigger part of the costs are ascribed to the insured persons¿ behavior or lifestyle. The insured person is led to an increased demand of medical services than without an insurance. But also doctors or pharmacists may be evidenced "unethical" behavior on the part of supply-induced demand. Is it...

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