caa a22 4500 445332042 CHVBK 20180317142740.0 cr unu---uuuuu 170323e20110201xx s 000 0 eng 10.1007/s10198-010-0222-x doi (NATIONALLICENCE)springer-10.1007/s10198-010-0222-x Ortmann Karl-Michael Beuth Hochschule für Technik Berlin, University of Applied Sciences, Luxemburger Str. 10, 13353, Berlin, Germany aut Optimal deductibles for outpatient services [Elektronische Daten] [Karl-Michael Ortmann] This paper analyses the effect of absolute deductibles on the cost of insurance for outpatient services. Moreover, cost savings on retained losses are estimated. Sharing risks between the insured and the insurer reduces total expenditure for outpatient benefits by up to 35%. In particular, optimal deductibles are determined in their utilitarian sense: the maximum possible savings on medical expenses are computed from the ground up. As part of the study, the effect of age and gender on these savings is analysed. The analysis is based on data taken from the private medical insurance industry in Germany. Similarities and discrepancies with respect to results obtained in the RAND Health Insurance Experiment conducted in the United States from 1971 to 1982 are highlighted. Springer-Verlag, 2010 Co-insurance nationallicence Deductible nationallicence Outpatient benefits nationallicence Price elasticity nationallicence The European Journal of Health Economics Springer-Verlag 12/1(2011-02-01), 39-47 1618-7598 12:1<39 2011 12 10198 https://doi.org/10.1007/s10198-010-0222-x text/html Onlinezugriff via DOI 1 research-article jats NATIONALLICENCE 856 40 https://doi.org/10.1007/s10198-010-0222-x text/html Onlinezugriff via DOI NATIONALLICENCE 100 1- Ortmann Karl-Michael Beuth Hochschule für Technik Berlin, University of Applied Sciences, Luxemburger Str. 10, 13353, Berlin, Germany aut NATIONALLICENCE 773 0- The European Journal of Health Economics Springer-Verlag 12/1(2011-02-01), 39-47 1618-7598 12:1<39 2011 12 10198 Metadata rights reserved Springer special CC-BY-NC licence nationallicence BK010053 XK010053 XK010000 NATIONALLICENCE NATIONALLICENCE NL-springer