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Western European Health Insurance 2011
Datamonitor, July 2011, Pages: 83
Introduction
This report analyzes the health insurance market in Western Europe. It includes a comparison in terms of private insurance take up, the balance between public and private healthcare, premium pricing and health factors; displaying the opportunities in the five selected countries. It details the consumer attitude to health insurance, in particular the reasons for not buying a policy.
Features and benefits
- Profiles the public healthcare system in each country and the extent to which there is space for private insurance growth
- Penetration, market sizes and premium rates for private health insurance in the five countries
- Methods of arrangement used by consumers in Western Europe and the reasons why policies were not purchased
Highlights
The price of private health cover is the biggest reason for which Western Europeans choose not to arrange a policy. Across the five countries surveyed, consumers were most likely to state that they 'couldn't afford' the policy, with the UK individuals being most likely to do so at 41%.
According to its website, Debeka covers about 4.6 million people, of which slightly over 2 million are covered by private policies. The remainder hold additional cover while still being principally covered by the public health system; these will be not only self-employed Germans, but those in a civil servant or legal job role.
Countries with a higher concentration of older inhabitants will have to spend more money on healthcare when these individuals reach retirement age: in particular, the 'baby boomer' generation has already reached retirement age in disproportionate numbers. As people age, they will incur greater health insurance claims in terms of volume and extent.
Your key questions answered
- How large is the private medical insurance market in Western European countries?
- Why do some consumers not purchase private health insurance?
- To what extent are Western European countries covered by public healthcare?
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