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1、外文文献翻译材料（2010届）瑞士社会健康保险：共同支付学生姓名学号院系医学院专业公共事业管理(卫生事业管理)指导教师填写日期SWISSSOCIALHEALTHINSURANCE:CO-PAYMENTSWORKSTEFANFELDERANDANDREASWERBLOWFromtheperspectiveofaninsurancecommunity,co-paymentsareonlyinterestingiftheyaffecttotalexpenditurebyadecreaseintheprobabilityorthesizeofdamages.Iftheinsuredta
2、kepreventiveactionstoreducetheriskorchangetheirbehaviorwhendamagesoccur,theirexpenditurewilldecrease.Ifinsurancecoverageiscomprehensive,importantincentivesforpreventionandrestrictingdamagesareabsent.Economistsspeakofmoralhazard,referringtotheeffectoftheextentofinsurancecoverageonthebehavioro
3、ftheinsured.Inhealthinsurance,theinsuredhaveaparticularlylargeinfluenceontheamountofservicestheydemand.Healthyfood,sufficientphysicalmotion,preventionofstress,allthesereducetheprobabilityofanillness.Moreover,thebehaviorincaseofanillness,i.e.thechoiceoftherapyorthepatients’compliancewiththeph
4、ysicians’prescriptionswillsubstantiallyaffecthealthcareexpenditure.Docopaymentsreducemoralhazardinhealthinsurance?Swisssocialhealthinsuranceisanidealcandidateforstudyingthisissue,asco-paymentshavealongtraditionthere.CharacteristicsoftheSwisshealthinsurancesystemInSwitzerland,100percentofthep
5、opulationisenrolledinthestatutory(basic)healthinsurancesystem.Inthecomplementaryprivateinsurancesector,theequivalenceprincipleholds–theinsuredpayriskequivalentpremiums.Bycomparison,communityratingappliesinsocialhealthinsurance,i.e.everypersonwithinasicknessfundpaysthesamepremiumirrespectiveo
6、fhis/herrisk.Thisimpliesthattheso-calledgoodrisks(personswhosepaymentsexceedtheirexpectedexpendisubsidizethebadrisks(personswithpaymentsbelowtheexpectedexpenditure).Withthegivenhealthcareexpenditureprofiles,communityratingmeansforinstancethattheyoungsubsidizetheoldandthatmensubsidizewomen.In
7、contrasttoGermanyandothercountries,Switzerlanddoesnotimposeanysubstantialinterregionalredistributioninfinancinghealthcare.Premiumsaredifferentiatedaccordingtoregionaldifferencesinhealthcareexpenditure.Furthermore,contributionstohealthinsuranceareno
