Impact of Private Health Insurance on the Choice of Public versus Private Hospital Services

Size: px
Start display at page:

Download "Impact of Private Health Insurance on the Choice of Public versus Private Hospital Services"

Transcription

1 Impact of Private Health Insurance on the Choice of Public versus Private Hospital Services Preety Srivastava & Xueyan Zhao Centre for Health Economics Monash University 3 June 2008

2 Background Australian Health Care system Mix of public and private health services One of the highest % of private coverage across OECD countries In , 4/10 hospital admissions and 1/4 inpatient days were private (NHS, ) Policy makers recognise the important role of PHI funds in financing private hospitals.

3 Background PHI reforms after introduction of Medicare to ensure no crowding out of the private sector. Severe decline in PHI in the 90s leading to enormous pressure on public hospitals To stem erosion a package of initiatives introduced in late 90s: Tax penalty for high-income individuals without private cover 30% rebate on PHI premiums Lifetime health cover

4 Background Reforms strongly criticised by scholars Package of initiatives, in particular lifetime cover has increased PHI coverage but activity in the private sector not picked up. Not eased much pressure in public hospitals. money could have been better spent if applied directly toward enhancing capacity of public hospitals to meet the additional demand (Wilcox, 2001; Duckett and Jackson, 2000). PHI taken purely for financial reasons (Fiebig et al., 2006) and not necessarily to access private care.

5 Background More recently: Income threshold for Medicare surcharge penalty would be increased both for singles and families. This is also being criticised on the ground that a number of people are going to drop their PHI.

6 Background Concerns on equity of care-provision In terms of the disproportionate distribution of tax rebates to high-income earners (Hindle and McAuley, 2004; Butler, 2002; Wilcox, 2001). Subsidy is skewed to the more affluent. 80% (20%) of richest (poorest) 10% of Australians had PHI and nearly 75% (18%) admitted as private patients in 2005(NHS )

7 Objective of the study The objective of this study is to investigate the determinants of individuals choice between public and private hospital care and the role of PHI towards this decision.

8 Motivation and Contribution Demand for PHI has received ample attention in the literature but only a small body of research has examined its role in public/private health care utilisation (Fiebig et al., 2006; Rodriguez and Stoyanova, 2004; Savage and Wright, 2003; Propper, 2000) Also sheds light on the potential substitution between public and private hospital admissions in a system where PHI increases the chances of substitution by providing a duplicate coverage.

9 Motivation and Contribution Also makes a significant contribution in terms of the modelling approach. In most prior studies the 3 decisions i.e. to seek no care or private care or public care, has been modelled using a MNL model. In contrast, we model the hospital admission decision in two parts on the assumption that the decision to seek hospital care and the decision to get admitted as a public/private patient are two distinct processes. account for selectivity bias in the second stage given that the decision to get admitted as a public or private patient is only observed for those who visit a hospital. Also unlike prior studies, this study accounts for the endogeneity of PHI using a system approach instead of a two-step estimation.

10 Prior Studies Relationship between PHI and health service utilisation (Zhang and Zhao 2007) made no distinction between public and private admissions. Relationship between PHI and hospital admission (Fiebig et al. 2006) focus was more on the impact of insurance type - in terms of reasons for purchasing private health insurance - on the probability of hospital admission in Australia. Private health insurance participation and the duration of stay in private hospitals (Savage and Wright 2003) focus was on identifying any moral hazard behaviour and adverse selection in insurance purchase. Impact of PHI on hospital admission and hospital days (Cameron et al. 1988) made no distinction between public and private admissions. Overseas UK (Propper 2000) Spain (Rodriguez and Stoyanova 2004) Harmon and Nolan, 2001 and Holly et al., Estimation techniques two step estimation to account for endogeneity Accounted for endogeneity using FIML approach not distinguished between public and private service utilisation

11 Economic Framework Demand for health care=function of the value of benefits of treatment; quality of public care vs private care; attitude towards quality of care; cost of public health care (if any); cost of private health care

12 Economic Framework Value of benefits of treatment: Related to medical need which arises from the severity of illness and importance of good health. Importance of good health positively associated with education and socioeconomic factors and Negatively related to lifestyle factors such as drinking and smoking patterns, and exercise habits Quality of public care vs private care Reflected in waiting time, the ability to choose the doctor Attitude towards quality of care Quality measures such as waiting time or the inability to choose date and location of treatment may prove to be inconvenient. Since each person has his own valuation of time this may cause variations across people. A person s valuation of his time is usually a positive function of income and type of employment.

13 Economic Framework Cost of public health care (if any) Although public health care is free of user charges, travel and time costs are also important considerations, in particular for lower socioeconomic groups. Such factors are negatively associated with income. Cost of private health care Access costs to private health care depends mainly on price of health insurance and income Copayments can also represent a significant cost to access private health care, particularly in Australia. Access to health care can also vary across the population because of language or cultural differences. Such differences may result into a lower level of awareness of health care availability and efficacy or a shyness to use health services.

14 Econometric Framework System approach with partial observability Latent form: Endogeneity: Y I appears on the RHS

15 Econometric Framework Multivariate Probit (MVP) model. The system approach allows us to account for not only the effect of the observed variables and but also the effect of unobserved individual characteristics. This allows us to estimate a whole range of joint and conditional probabilities. We can also estimate the treatment effect of PHI, i.e. the effect of private insurance participation on the probability of visiting hospital or on the probability of seeking private care.

16 Data NHS ( Australian adults aged 18+) Contains a host of health related information (i.e. SRH, LT health conditions) Health service utilisation Other individual characteristics such as gender, marital status, income, level of education, main activity etc. Dependent variables: Y I : status of individuals who, at the time of the survey, had a private hospital cover Y H : whether an individual had at least one inpatient stay in a hospital and discharged in the 12 months prior to interview. Y P : whether he/she was admitted as a private or Medicare patient.

17

18 Results: Coefficients Y I Y H Y P Y I Y P Y I (0.563)** incdech (0.046)** (0.051) (0.135) age (0.042)** (0.045)** (0.125)** incdech (0.047)** (0.053)** (0.131)* age (0.043)** (0.047)** (0.131) incdech (0.050)** (0.057)** (0.153) age (0.047)** (0.050)** (0.161)* incdech (0.050)** (0.058)** (0.160) age (0.056)** (0.056)** (0.226)** incdech (0.051)** (0.061) (0.183) age (0.062)** (0.059)** (0.228)** incdech (0.053)** (0.061)** (0.200) male (0.027)** (0.029)** (0.077)* incdech (0.056)** (0.061)** (0.228) married (0.028)** (0.027)** (0.079) concess (0.040)** (0.044)** (0.123) profeng (0.081)** (0.090)* (0.204) excelh (0.063)** (0.062)** depkid (0.036)** (0.103) vgoodh (0.060)** (0.056)** sinpar (0.064)** (0.167) goodh (0.057)** (0.052)** majcity (0.033)** (0.037) (0.090) athritis (0.032) (0.032)** inregn (0.038)** (0.042) (0.098) cancer (0.075) (0.070)** workft (0.065)** (0.046)** (0.201) heart (0.029)* (0.030)** workpt (0.063)** (0.045)** (0.205) diabetes (0.054) (0.052)** workstud (0.112)* (0.117) (0.276) asthm a (0.040) (0.039)* studyft (0.081)** (0.089)** (0.276) osteo (0.056)** (0.057) unemp (0.102)** (0.093)** (0.299) smokedly (0.031)** prof (0.057)** (0.180) alchirsk (0.062)** trades (0.066)** (0.200) overwt (0.025) clerk (0.097)** (0.308) noexcise (0.026)** intsales (0.061)** (0.202)* copay (0.001)** (0.003) prodtran (0.072)** (0.220) bed (0.019) (0.060) elsales (0.071)* (0.214) Constant (0.129)** (0.119)** (1.351)* degree (0.042)** (0.044) (0.108) Ξ IH (0.018)** tafe (0.035)** (0.036)** (0.092) Ξ IP (0.272) year (0.034)** (0.036) (0.091)* Ξ HP (0.150)** Standard errors are given in parentheses. *significant at 10% level; **significant at 5% level. Y H

19 Results: Marginal Effects Y I Y H Y P Y H = 1 Y I Y H Y P Y H = 1 Y I (0.095)** tafe (0.014)** (0.009)** (0.026)** age (0.017)** (0.011)** (0.033)** year (0.013)** (0.009) (0.025)** age (0.017)** (0.012)** (0.033)** incdech (0.018)** (0.013) (0.036)** age (0.018)** (0.012)** (0.035)** incdech (0.018)** (0.013)** (0.034)** age (0.022)** (0.014)** (0.044)** incdech (0.020)** (0.014)** (0.038)** age (0.024)** (0.014)** (0.043)** incdech (0.020)** (0.014)** (0.039)** male (0.011)** (0.007)** (0.021)** incdech (0.020)** (0.015) (0.042)** married (0.011)** (0.007)** (0.021)** incdech (0.021)** (0.015)** (0.045)** profeng (0.032)** (0.022)* (0.056)** incdech (0.022)** (0.015)** (0.051)** depkid (0.014)** (0.028)* concess (0.016)** (0.011)** (0.034)** sinpar (0.025)** (0.048) excelh (0.025)** (0.015)** (0.038)** majcity (0.013)** (0.009) (0.023) vgoodh (0.023)** (0.014)** (0.035)** inregn (0.015)** (0.010) (0.028) goodh (0.022)** (0.013)** (0.027)** workft (0.026)** (0.011)** (0.054)* athritis (0.013) (0.008)** (0.011) workpt (0.025)** (0.011)** (0.055)** cancer (0.030) (0.017)** (0.035) workstud (0.045)* (0.029) (0.079) heart (0.012)* (0.007)** (0.012) studyft (0.032)** (0.022)** (0.072) diabetes (0.022) (0.013)** (0.019) unemp (0.040)** (0.023)** (0.082) asthma (0.016) (0.010)* (0.013) prof (0.022)** (0.048)** osteo (0.022)** (0.014) (0.020)** trades (0.026)** (0.055) smokedly (0.012)** (0.022)** clerk (0.038)** (0.088)** alchirsk (0.024)** (0.021)** intsales (0.024)** (0.053)** overwt (0.010) (0.008) prodtran (0.028)** (0.061) noexcise (0.010)** (0.009)** elsales (0.028)* (0.060) copay (0.000)** (0.001)** degree (0.017)** (0.011) (0.030)** bed (0.007) (0.016) P(. x) (0.005)** (0.003)** (0.033)**

20 Age Y I Y H Y P Y H = 1 age (0.017)** (0.011)** (0.033)** age (0.017)** (0.012)** (0.033)** age (0.018)** (0.012)** (0.035)** age (0.022)** (0.014)** (0.044)** age (0.024)** (0.014)** (0.043)** Age is a significant in all three equations. The probability of purchase of PHI is found to increase with age with a slight drop-off for the 70+ age group. (similar evidence in prior studies) The probability of private care utilisation increases progressively as individuals get older In contrast, the probability of hospital admission has a U- shaped distribution with age, with the young and the old age groups more likely to get admitted.

21 Employment and Occupation Y I Y H Y P Y H = 1 workft (0.026)** (0.011)** (0.054)* workpt (0.025)** (0.011)** (0.055)** workstud (0.04 5)* (0.02 9) (0.079) studyft (0.032)** (0.022)** (0.072) unemp (0.040)** (0.023)** (0.082) prof (0.022)** (0.048)** trad es (0.02 6)** (0.055) clerk (0.038)** (0.088)** in tsale s (0.02 4)** (0.053)** p rodtran (0.02 8)** (0.061) elsales (0.028)* (0.060) when we control for other factors such as income and occupations, those who work are less likely to purchase PHI and use private health care than those NLF (base case) PHI purchase and use of private hospital care is also associated with individuals' occupations. Labourers (base case) have the lowest chances of purchasing PHI and opting for private hospital care than individuals in any other occupation.

22 Lifestyle factors, Household Characteristics Health related lifestyle factors such as heavy smoking, drinking at high risk levels, lack of exercise and being obese are all negatively related to insurance decision. More than poor health such factors indicate risk attitudes towards health. i.e. A decision-maker with such characteristics is less likely to indulge in a risk-averse behaviour such as PHI purchase. The presence of dependant kids is likely to be a significant stimulus for getting insured from both the risk averseness and financial point of view. The positive and significant coefficient on this indicator supports the hypothesis. On the other hand, single parents are found to be less likely to purchase PHI. Their decision to purchase insurance may be potentially constrained by their financial situations.

23 Education and Income Education is likely to increase individuals awareness of health care services and the benefits of purchasing a private health insurance. The insurance decision and private health care utilisation are both found to be strongly associated with education. degree holders are more likely to get insured and also more likely to use private health care than someone who has completed less than secondary education. Higher household income is associated with a higher probability of purchasing PHI and a higher probability of private health care utilisation. Note that tax incentives can be a significant stimulus for purchasing private health insurance. A flat Medicare levy with a progressive income taxation system encourages those on higher incomes to purchase private insurance irrespective of whether they would use private sector facilities (Fiebig et al 2006).

24 Self-Assessed Health Y I Y H Y P Y H = 1 e xcelh (0.02 5)** (0.01 5)** (0.038)** vgoo dh (0.02 3)** (0.01 4)** (0.035)** g oodh (0.02 2)** (0.01 3)** (0.027)** Medical need is a potential predictor of health care utilisation. Those who are in good health are less likely to access health care services. The results of the hospital utilisation equation support this hypothesis indicating that the less healthy individuals are, the more likely they are to get admitted into hospitals. However, we obtain a positive relationship between individuals self-assessed health and the probability of purchasing PHI and the probability of using private care. counter intuitive to the hypothesis of moral hazard and adverse selection into insurance such finding is not unusual and has been obtained in several previous studies and has often been associated with risk-related behaviours. i.e. people who are careful about their health are also more likely to engage into risk averse activities such as purchasing a PHI.

25 Objective measures of Health Y I Y H Y P Y H = 1 athritis (0.013) (0.008)** (0.011) cancer (0.030) (0.017)** (0.035) heart (0.012)* (0.007)** (0.012) diabetes (0.022) (0.013)** (0.019) asthma (0.016) (0.010)* (0.013) osteo (0.022)** (0.014) (0.020)** Some more objective measures of health status in terms of long-term conditions such as arthritis, cancer, heart disease, diabetes, asthma and osteoporosis. Not related to the choice of private health care or insurance purchase But significantly related with hospital utilisation.

26 Cost of insurance and cost of access to private hospitals No data on cost of insurance! Average state-level copayments are used as a measure of the cost of private care. Negative effect- the higher the copayments the lower is the probability of purchasing PHI or the probability of private care utilisation. Those who have concession cards have lower probability of insurance purchase and private hospital care.

27 Quality of health service The effect of the quality of public health care has been identified as an important determinant of insurance decision in previous studies A common measure of public hospital care is waiting list and queuing. Two different measures of waiting list at state level: average waiting time (i.e. days waited at 50th percentile)-insignificant effect the proportion of individuals who waited for more than a year for elective surgery- positively and significantly related to PHI purchase. Not included in final model - given the Australian waiting list data at state level is known to be inconsistent with regard to their collection and presentation (Hopkins and Kidd, 1996; AIHW, 2007)

28 Quality of health service Instead we use bed density and full-time equivalent (FTE) medical practitioners in public hospitals as alternate indicators of quality of public care. Measured at state level and by remoteness- more variation. The effects of both these variables are found to be negative with respect to both insurance purchase and private health care service utilisation (although mostly insignificant).

29 Effect of PHI Finally, private insurance is found to be an important determinant of private health care utilisation. In particular, those with private hospital cover are 76% more likely to seek private health care than use public health services. But is this high enough???

30 Predicted Probabilities and Treatment Effects

31 Conclusion This study attempts to provide insights on the role of PHI in the choice that an individual makes between public and private health care utilisation It uses a system of Probit models (MVP) to allow for potential endogeneity of private insurance participation. It also adjust for selection bias due to partial observability since we only observe individuals choices between P/P if they have visited a hospital. PHI has certainly been identified as an important determinant of private hospital care utilisation. However, other factors such as perceived quality of care in the public sector and cost of access were also found to have an impact on the use of private hospital care. This system approach allows predictions of a range of joint and conditional probabilities.

Impact of Private Health Insurance on the Choice of Public versus Private Hospital Services

Impact of Private Health Insurance on the Choice of Public versus Private Hospital Services HEDG Working Paper 08/17 Impact of Private Health Insurance on the Choice of Public versus Private Hospital Services Preety Srivastava Xueyan Zhao July 2008 ISSN 1751-1976 http://www.york.ac.uk/res/herc/research/hedg/wp.htm

More information

More changes to private health insurance Australia

More changes to private health insurance Australia More changes to private health insurance Australia Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (12) 2008

More information

The effect of the Medicare Levy Surcharge on the Demand for Private Health Insurance in Australia

The effect of the Medicare Levy Surcharge on the Demand for Private Health Insurance in Australia The effect of the Medicare Levy Surcharge on the Demand for Private Health Insurance in Australia Olena Stavrunova (UTS) Oleg Yerokhin (University of Wollongong) February 2012 The effect of the Medicare

More information

Terence Cheng 1 Farshid Vahid 2. IRDES, 25 June 2010

Terence Cheng 1 Farshid Vahid 2. IRDES, 25 June 2010 Demand for hospital care and private health insurance in a mixed public-private system: empirical evidence using a simultaneous equation modeling approach. Terence Cheng 1 Farshid Vahid 2 IRDES, 25 June

More information

Melbourne Institute Policy Briefs Series Policy Brief No. 3/13

Melbourne Institute Policy Briefs Series Policy Brief No. 3/13 Melbourne Institute Policy Briefs Series Policy Brief No. 3/13 Does Reducing Rebates for Private Health Insurance Generate Cost Savings? Terence C. Cheng THE MELBOURNE INSTITUTE IS COMMITTED TO INFORMING

More information

Turning Logic and Evidence on it Head: Australia's Subsidy to Private Insurance

Turning Logic and Evidence on it Head: Australia's Subsidy to Private Insurance Turning Logic and Evidence on it Head: Australia's Subsidy to Private Insurance Jeremiah Hurley Centre for Health Economics and Policy Analysis Department of Economics McMaster University Thank Jamie Daw

More information

Assessing and Discerning the Effects of Recent Private Health Insurance Policy Initiatives in Australia

Assessing and Discerning the Effects of Recent Private Health Insurance Policy Initiatives in Australia Preliminary Draft Do Not Cite or Quote Without Permission Assessing and Discerning the Effects of Recent Private Health Insurance Policy Initiatives in Australia by Alfons Palangkaraya and Jongsay Yong

More information

Submission to the Private Health Insurance

Submission to the Private Health Insurance Submission to the Private Health Insurance Consultations 2015-16 The AMA welcomes the opportunity to provide a submission to the Private Health Insurance Consultations 2015-16. The Review will no doubt

More information

The facts. Private health insurance.

The facts. Private health insurance. The facts. Private health insurance. Fact. The rebate on private health insurance reduces pressure on public health spending. Private healthcare is funded through a combination of private health insurance

More information

Effects of Recent Carrot-and-Stick Policy Initiatives on Private Health Insurance Coverage in Australia

Effects of Recent Carrot-and-Stick Policy Initiatives on Private Health Insurance Coverage in Australia Effects of Recent Carrot-and-Stick Policy Initiatives on Private Health Insurance Coverage in Australia Alfons Palangkaraya and Jongsay Yong Melbourne Institute of Applied Economic and Social Research

More information

Peoplecare. Onemedifund Health Fund Managers managers

Peoplecare. Onemedifund Health Fund Managers managers Webinar Peoplecare Onemedifund Health Fund Managers managers AGENDA 1. Why have private health insurance? 2. What are the effects of recent Tax changes? 3. Why is it important to maintain health insurance

More information

RURAL DOCTORS ASSOCIATION OF AUSTRALIA. Submission to the Private Health Insurance Consultation

RURAL DOCTORS ASSOCIATION OF AUSTRALIA. Submission to the Private Health Insurance Consultation RURAL DOCTORS ASSOCIATION OF AUSTRALIA Submission to the Private Health Insurance Consultation Via email: PHI Consultations 2015-16 Contact for RDAA: Jenny Johnson Chief Executive Officer Email: ceo@rdaa.com.au

More information

Joiners, leavers, stayers and abstainers: Private health insurance choices in Australia

Joiners, leavers, stayers and abstainers: Private health insurance choices in Australia Joiners, leavers, stayers and abstainers: Private health insurance choices in Australia Stephanie A Knox 1, Elizabeth Savage 1 Denzil G Fiebig 1,2, Vineta Salale 1,2, 1 Centre for Health Economics Research

More information

Does the reason for buying health insurance influence behaviour?

Does the reason for buying health insurance influence behaviour? Does the reason for buying health insurance influence behaviour? Rosalie Viney 1, Elizabeth Savage 1 and Denzil Fiebig 1,2 CAER Workshop University of New South Wales February 2006 1. Centre for Health

More information

Australian. Introductionn. History. over 65). people aged. The changes. rises. Single. earners who

Australian. Introductionn. History. over 65). people aged. The changes. rises. Single. earners who 18 August 2011 Australian Healthcare & Hospitals Association Position paper Private Health Insurance (Rebate and Medicare Levy Surcharge) Introductionn The Australian Healthcare & Hospitals Association

More information

PRIVATE HEALTH INSURANCE

PRIVATE HEALTH INSURANCE PRIVATE HEALTH INSURANCE Presentation by Paul Collins to 26 March 2009 Disclaimer: The view expressed in this presentation are the views of the author and may not reflect the views of PHIAC Outline of

More information

Asymmetric Information in the Portuguese Health Insurance Market

Asymmetric Information in the Portuguese Health Insurance Market Asymmetric Information in the Portuguese Health Insurance Market Teresa Bago d Uva Instituto Nacional de Estatística J.M.C. Santos Silva ISEG/Universidade Técnica de Lisboa 1 1 Introduction ² The negative

More information

finding the balance between public and private health the example of australia

finding the balance between public and private health the example of australia finding the balance between public and private health the example of australia By Zoe McKenzie, Senior Researcher This note provides an overview of the principal elements of Australia s public health system,

More information

ECONOMICS FOR HEALTH POLICY

ECONOMICS FOR HEALTH POLICY ECONOMICS FOR HEALTH POLICY HEALTH INSURANCE SOME BASIC CONCEPTS IN HEALTH INSURANCE 1 THE PRINCIPLE OF INSURANCE IN ALL ITS SIMPLICITY... The principle of insurance is familiar: Suppose that, out of a

More information

Community Rating More Trouble Than Its Worth?

Community Rating More Trouble Than Its Worth? Community Rating More Trouble Than Its Worth? Prepared by Jamie Reid, Ashish Ahluwalia and Sonia Tripolitano Presented to the Actuaries Institute Actuaries Summit 20-21 May 2013 Sydney This paper has been

More information

Medicare Beneficiaries Out-of-Pocket Spending for Health Care

Medicare Beneficiaries Out-of-Pocket Spending for Health Care Insight on the Issues OCTOBER 2015 Beneficiaries Out-of-Pocket Spending for Health Care Claire Noel-Miller, MPA, PhD AARP Public Policy Institute Half of all beneficiaries in the fee-for-service program

More information

Submission to the National Health and Hospitals Reform Commission (nhhrc).

Submission to the National Health and Hospitals Reform Commission (nhhrc). Submission to the National Health and Hospitals Reform Commission (nhhrc). A New Health Savings Based System for Australia. A new health savings based system is proposed based on the best aspects of the

More information

PrivateHealth.gov.au Australia s leading independent source of information about private health insurance

PrivateHealth.gov.au Australia s leading independent source of information about private health insurance PrivateHealth.gov.au Australia s leading independent source of information about private health insurance There are many things to consider when looking into private health insurance how does it all work?

More information

4 th December 2015. Private Health Insurance Consultations 2015-16 Department of Health. Via email: PHIconsultations2015-16@health.gov.

4 th December 2015. Private Health Insurance Consultations 2015-16 Department of Health. Via email: PHIconsultations2015-16@health.gov. 4 th December 2015 Private Health Insurance Consultations 2015-16 Department of Health Via email: PHIconsultations2015-16@health.gov.au Re: Private Health Insurance Consultations 2015-16 Dear Private Health

More information

Public / private mix in health care financing

Public / private mix in health care financing Public / private mix in health care financing Dominique Polton Director of strategy, research and statistics National Health Insurance, France Couverture Public / private mix in health care financing 1.

More information

Preference Heterogeneity and Selection in Private Health Insurance: The Case of Australia

Preference Heterogeneity and Selection in Private Health Insurance: The Case of Australia Preference Heterogeneity and Selection in Private Health Insurance: The Case of Australia Thomas Buchmueller a Denzil Fiebig b, Glenn Jones c and Elizabeth Savage d 2nd IRDES WORKSHOP on Applied Health

More information

An economic assessment. of the Private Health Insurance system. Prepared by. Econtech Pty Ltd. September 2008 ACHR

An economic assessment. of the Private Health Insurance system. Prepared by. Econtech Pty Ltd. September 2008 ACHR An economic assessment of the Private Health Insurance system Prepared by Econtech Pty Ltd September 2008 ACHR AUSTRALIAN CENTRE FOR HEALTH RESEARCH AUSTRALIAN CENTRE FOR HEALTH RESEARCH LTD ABN 87 116

More information

Actuaries Institute submission to the Private Health Insurance Review

Actuaries Institute submission to the Private Health Insurance Review 7 December 2015 The Hon Sussan Ley MP Minister for Health Parliament House CANBERRA ACT 2600 Email: PHIconsultations2015-16@health.gov.au Dear Minister Actuaries Institute submission to the Private Health

More information

The Impact of Health Care Reform. Evidence from Massachusetts

The Impact of Health Care Reform. Evidence from Massachusetts The Impact of Health Care Reform on Hospital Careandand Preventive Care: Evidence from Massachusetts Jonathan T. Kolstad, Wharton School, University of Pennsylvania Amanda E. Kowalski, Department of Economics,

More information

Tax expenditures and public health financing in Australia. Julie Smith

Tax expenditures and public health financing in Australia. Julie Smith Tax expenditures and public health financing in Australia Julie Smith Number 33 September 2000 2 THE AUSTRALIA INSTITUTE Tax expenditures and public health financing in Australia Julie Smith Acknowledgements

More information

HIRMAA SUBMISSION. to the. Review of Australia s future tax system

HIRMAA SUBMISSION. to the. Review of Australia s future tax system HIRMAA SUBMISSION to the Review of Australia s future tax system Health Insurance Restricted Membership Association of Australia Level 2, 826 Whitehorse Road, Box Hill, Victoria, 3128 Telephone : 03 9896

More information

The demand for private medical insurance

The demand for private medical insurance Economic Trends 66 May 24 The demand for private medical insurance Gavin Wallis This article provides an overview of private medical insurance (PMI) coverage in Great Britain and presents results from

More information

Health insurance tax rort

Health insurance tax rort THE AUSTRALIA INSTITUTE Health insurance tax rort November 2002 This report concludes that private health insurance funds are facilitating and, in some cases, encouraging tax avoidance by providing products

More information

Dental Health, Insurance and Service Utilisation

Dental Health, Insurance and Service Utilisation Dental Health, Insurance and Service Utilisation Preety Srivastava 1, Gang Chen 2, and Anthony Harris 3 1 School of Economics, Finance and Marketing RMIT University, Melbourne Australia 2 Flinders Health

More information

Recent Private Health Insurance Policies in Australia: Health Resource Utilization, Distributive Implications and Policy Options

Recent Private Health Insurance Policies in Australia: Health Resource Utilization, Distributive Implications and Policy Options Melbourne Institute Report No. 3 Recent Private Health Insurance Policies in Australia: Health Resource Utilization, Distributive Implications and Policy Options Peter Dawkins, Elizabeth Webster, Sandra

More information

The Impact of Private Hospital Insurance on the Utilization of Hospital Care in Australia

The Impact of Private Hospital Insurance on the Utilization of Hospital Care in Australia The Impact of Private Hospital Insurance on the Utilization of Hospital Care in Australia Damien S. Eldridge, Ilke Onur, Malathi Velamuri and Cagatay Koç June, 2013 La Trobe University, Australia; email:d.eldridge@latrobe.edu.au

More information

Re: Inquiry into the Private Health Insurance Legislation Amendment (Base Premium) Bill 2013

Re: Inquiry into the Private Health Insurance Legislation Amendment (Base Premium) Bill 2013 Committee Secretary Senate Standing Committees on Community Affairs PO Box 6100 Parliament House Canberra ACT 2600 Email: community.affairs.sen@aph.gov.au Dear Dr Holland Re: Inquiry into the Private Health

More information

SUBMISSION Submission to the Federal Government s Private Health Insurance Review

SUBMISSION Submission to the Federal Government s Private Health Insurance Review SUBMISSION Submission to the Federal Government s Private Health Insurance Review December 2015 National Secretariat Level 2, 15 National Circuit, Barton ACT 2600 PO Box 7036, Canberra Business Centre

More information

Effects of Recent Carrot-and-Stick Policy Initiatives on Private Health Insurance Coverage in Australia

Effects of Recent Carrot-and-Stick Policy Initiatives on Private Health Insurance Coverage in Australia THE ECONOMIC RECORD, VOL. 81, NO. 254, SEPTEMBER, 2005, 262 272 Effects of Recent Carrot-and-Stick Policy Initiatives on Private Health Insurance Coverage in Australia ALFONS PALANGKARAYA and JONGSAY YONG

More information

Contents: What is an Annuity?

Contents: What is an Annuity? Contents: What is an Annuity? When might I need an annuity policy? Types of annuities Pension annuities Annuity income options Enhanced and Lifestyle annuities Impaired Life annuities Annuity rates FAQs

More information

Health Policy, Administration and Expenditure

Health Policy, Administration and Expenditure Submission to the Parliament of Australia Senate Community Affairs Committee Enquiry into Health Policy, Administration and Expenditure September 2014 Introduction The Australian Women s Health Network

More information

Health Spending in the Bush

Health Spending in the Bush Health Spending in the Bush An analysis of the geographic distribution of the private health insurance rebate Richard Denniss Introduction September 2003 Shortages of medical services in rural and regional

More information

The Special Case of Health Insurance By William C. Wood

The Special Case of Health Insurance By William C. Wood By William C. Wood Health insurance is like other insurance in that premiums are collected and payments are made but it s also very different because health care is so personal. Health insurance has been

More information

Briefing for APHA Members - The National Commission of Audit Report, May 2014.

Briefing for APHA Members - The National Commission of Audit Report, May 2014. Briefing for APHA Members - The National Commission of Audit Report, May 2014. The Commission of Audit s final report was released at 2pm on Thursday 1 May 2013. The National Commission of Audit was announced

More information

australian nursing federation

australian nursing federation australian nursing federation Submission to Fairer Private Health Insurance Incentives Bill 2009 and two related Bills; and Health Insurance Amendment (Extended Medicare Safety Net) Bill 2009 July 2009

More information

Public and private health insurance: where to mark to boundaries? June 16, 2009 Kranjska Gora, Slovenia Valérie Paris - OECD

Public and private health insurance: where to mark to boundaries? June 16, 2009 Kranjska Gora, Slovenia Valérie Paris - OECD Public and private health insurance: where to mark to boundaries? June 16, 2009 Kranjska Gora, Slovenia Valérie Paris - OECD 1 Outline of the presentation Respective roles of public and private funding

More information

How fair is health spending? The distribution of tax subsidies for health in Australia. Julie Smith

How fair is health spending? The distribution of tax subsidies for health in Australia. Julie Smith The distribution of tax subsidies for health in Australia Julie Smith Number 43 October 2001 THE AUSTRALIA INSTITUTE The distribution of tax subsidies for health in Australia Julie Smith Senior Research

More information

Submission to the Health Information Authority on Risk Equalisation in the Irish Private Health Insurance Market

Submission to the Health Information Authority on Risk Equalisation in the Irish Private Health Insurance Market Submission to the Health Information Authority on Risk Equalisation in the Irish Private Health Insurance Market August 2010 IMO Submission to the Health Information Authority on Risk Equalisation in the

More information

Chapter 11 SUPPLEMENTARY FINANCING OPTION (4) VOLUNTARY PRIVATE HEALTH INSURANCE. Voluntary Private Health Insurance as Supplementary Financing

Chapter 11 SUPPLEMENTARY FINANCING OPTION (4) VOLUNTARY PRIVATE HEALTH INSURANCE. Voluntary Private Health Insurance as Supplementary Financing Chapter 11 SUPPLEMENTARY FINANCING OPTION (4) VOLUNTARY PRIVATE HEALTH INSURANCE Voluntary Private Health Insurance as Supplementary Financing 11.1 Voluntary private health insurance includes both employer

More information

Who benefits from private health insurance in Australia?

Who benefits from private health insurance in Australia? THE AUSTRALIA INSTITUTE Who benefits from private health insurance in Australia? March 2005 Richard Denniss The Federal Government strongly encourages increased reliance on private health insurance to

More information

Expenditure on Health Care in the UK: A Review of the Issues

Expenditure on Health Care in the UK: A Review of the Issues Expenditure on Health Care in the UK: A Review of the Issues Carol Propper Department of Economics and CMPO, University of Bristol NIERC 25 April 2001 1 Expenditure on health care in the UK: The facts

More information

Key Features Guide. What you should know before purchasing private health insurance

Key Features Guide. What you should know before purchasing private health insurance Key Features Guide What you should know before purchasing private health insurance Table of Contents USING THIS GUIDE.......................................................... 2 KEY FEATURES OF HEALTH

More information

Private Health Insurance in OECD Countries

Private Health Insurance in OECD Countries 1 Private Health Insurance in OECD Countries Francesca Colombo & Nicole Tapay http://www.oecd.org/health click on OECD Health Project, then on Private Health Insurance Purpose of the Study Assess the role

More information

Australian Unity s Submission: Productivity Commission Issues Paper Performance of Public and Private Hospital Systems

Australian Unity s Submission: Productivity Commission Issues Paper Performance of Public and Private Hospital Systems 06 August 2009 Mr David Kalisch Commissioner, Hospital Studies Productivity Commission Locked Bag 2, Collins Street East Melbourne Vic 8003 Australian Unity s Submission: Productivity Commission Issues

More information

Compulsory Health Insurance: Should government still be the health insurer of first resort?

Compulsory Health Insurance: Should government still be the health insurer of first resort? Compulsory Health Insurance: Should government still be the health insurer of first resort? Prepared by Matthew Crane, Kris McCullough, Jamie Reid and Collin Wang Presented to the Actuaries Institute Actuaries

More information

DEMANDING SUPPLY: MIXED HEALTHCARE FINANCING IN AUSTRALIA

DEMANDING SUPPLY: MIXED HEALTHCARE FINANCING IN AUSTRALIA DEMANDING SUPPLY: MIXED HEALTHCARE FINANCING IN AUSTRALIA Master s thesis in Health Economics August 2014 By: Joshua Kraindler Supervisor: Carl Hampus Lyttkens 1 ABSTRACT This paper will analyse the financial

More information

Improving Emergency Care in England

Improving Emergency Care in England Improving Emergency Care in England REPORT BY THE COMPTROLLER AND AUDITOR GENERAL HC 1075 Session 2003-2004: 13 October 2004 LONDON: The Stationery Office 11.25 Ordered by the House of Commons to be printed

More information

Tax Laws Amendment (Medicare Levy Surcharge Thresholds) Bill 2008. Contents. Parliament of Australia Department of Parliamentary Services BILLS DIGEST

Tax Laws Amendment (Medicare Levy Surcharge Thresholds) Bill 2008. Contents. Parliament of Australia Department of Parliamentary Services BILLS DIGEST Parliament of Australia Department of Parliamentary Services Parliamentary Library Information analysis and advice for the Parliament BILLS DIGEST 4 June 2008, no. 121, 2007 08, ISSN 1328-8091 Tax Laws

More information

Inquiry into the out-of-pocket costs in Australian healthcare

Inquiry into the out-of-pocket costs in Australian healthcare Submission to the Senate Standing Committee on Community Affairs - References Committee Inquiry into the out-of-pocket costs in Australian healthcare May 2014 Out-of-pocket costs in Australian healthcare

More information

Health in the Workplace

Health in the Workplace Health in the Workplace A Survey of Employees in the UK and their Attitudes Towards Health and Health Benefits Ceridian Quarterly HR Insight Putting HR issues in focus Conducted by Closer to Customers,

More information

Transforming Health Care: American Attitudes On Shared Stewardship

Transforming Health Care: American Attitudes On Shared Stewardship Transforming Health Care: American Attitudes On Shared Stewardship An Aspen Institute- Survey Submitted by zogby international may 2008 2008 Report Overview A new Aspen Institute/Zogby interactive survey

More information

Affordable Care Act Employee Education Packet

Affordable Care Act Employee Education Packet Affordable Care Act Employee Education Packet Your Health Plan Options under the Affordable Care Act The Affordable Care Act (ACA) requires that most Americans be covered under a health plan by January

More information

Affordable Care Act at 3: Strengthening Medicare

Affordable Care Act at 3: Strengthening Medicare Affordable Care Act at 3: Strengthening Medicare ISSUE BRIEF Fifth in a series May 22, 2013 Kyle Brown Senior Health Policy Analyst 789 Sherman St. Suite 300 Denver, CO 80203 www.cclponline.org 303-573-5669

More information

Utilisation and selection in an ancillaries health insurance market

Utilisation and selection in an ancillaries health insurance market Utilisation and selection in an ancillaries health insurance market Nathan Kettlewell University of New South Wales March 2015 Abstract I study two important aspects of the Australian private ancillaries

More information

The Costs of Claytons Health Insurance Products

The Costs of Claytons Health Insurance Products Journal of Economic and Social Policy Volume 8 Issue 2 Article 5 1-1-2004 The Costs of Claytons Health Insurance Products Clive Hamilton Australian National University, ACT Richard Denniss Australian National

More information

US Health Reform - What s happened, and does it matter to Australian health insurers?

US Health Reform - What s happened, and does it matter to Australian health insurers? US Health Reform - What s happened, and does it matter to Australian health insurers? The Australian media have provided a great deal of coverage of US health reforms without really explaining what is

More information

Private Health Insurance in OECD Countries

Private Health Insurance in OECD Countries Private Health Insurance in OECD Countries Health Insurance for an Expanded Europe: New Public-Private Options The Prague Symposium 2004 Nicole Tapay(Novartis)* *Based on work performed under OECD private

More information

Comparison of Healthcare Systems in Selected Economies Part I

Comparison of Healthcare Systems in Selected Economies Part I APPENDIX D COMPARISON WITH OVERSEAS ECONOMIES HEALTHCARE FINANCING ARRANGEMENTS Table D.1 Comparison of Healthcare Systems in Selected Economies Part I Predominant funding source Hong Kong Australia Canada

More information

UK Patients with Chronic Conditions Believe the Ability to Access Electronic Medical Records Outweighs Concern of Privacy Invasion

UK Patients with Chronic Conditions Believe the Ability to Access Electronic Medical Records Outweighs Concern of Privacy Invasion Insight Driven Health UK Patients with Chronic Conditions Believe the Ability to Access Electronic Medical Records Outweighs Concern of Privacy Invasion Accenture s research shows patients with chronic

More information

Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform

Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform Health Insurance Coverage for Direct Care Workers: Key Provisions for Reform Introduction As an organization dedicated to our nation s 3 million direct-care workers and the millions of elders and people

More information

The health of Australia s workforce November 2005

The health of Australia s workforce November 2005 The health of Australia s workforce November 2005 Healthy employees are nearly three times more productive than unhealthy employees Unhealthy employees take up to nine times more sick leave than their

More information

The Australian Healthcare System

The Australian Healthcare System The Australian Healthcare System Professor Richard Osborne, BSc, PhD Chair of Public Health Deakin University Research that informs this presentation Chronic disease self-management Evaluation methods

More information

Health & the economic crisis: the Australian case

Health & the economic crisis: the Australian case Health & the economic crisis: the Australian case Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (14) 2009

More information

bulletin 126 Healthy life expectancy in Australia: patterns and trends 1998 to 2012 Summary Bulletin 126 NOVEMBER 2014

bulletin 126 Healthy life expectancy in Australia: patterns and trends 1998 to 2012 Summary Bulletin 126 NOVEMBER 2014 Bulletin 126 NOVEMBER 2014 Healthy life expectancy in Australia: patterns and trends 1998 to 2012 Summary bulletin 126 Life expectancy measures how many years on average a person can expect to live, if

More information

A Carrot and a Big Stick: Understanding Private Health Insurance and Older Australians

A Carrot and a Big Stick: Understanding Private Health Insurance and Older Australians A Carrot and a Big Stick: Understanding Private Health Insurance and Older Australians Research Monograph No.1, October 2011 1 A CARROT AND A BIG STICK: Understanding Private Health Insurance and Older

More information

HEALTH INSURANCE COVERAGE AND ADVERSE SELECTION

HEALTH INSURANCE COVERAGE AND ADVERSE SELECTION HEALTH INSURANCE COVERAGE AND ADVERSE SELECTION Philippe Lambert, Sergio Perelman, Pierre Pestieau, Jérôme Schoenmaeckers 229-2010 20 Health Insurance Coverage and Adverse Selection Philippe Lambert, Sergio

More information

HEALTH PREFACE. Introduction. Scope of the sector

HEALTH PREFACE. Introduction. Scope of the sector HEALTH PREFACE Introduction Government and non-government sectors provide a range of services including general practitioners, hospitals, nursing homes and community health services to support and promote

More information

Private Health Insurance Consultations 2015 2016

Private Health Insurance Consultations 2015 2016 Submission to Private Health Insurance Consultations 2015 2016 November 2015 Lee Thomas Federal Secretary Annie Butler Assistant Federal Secretary Australian Nursing & Midwifery Federation PO Box 4239

More information

Health at a Glance: Europe 2014

Health at a Glance: Europe 2014 Health at a Glance: Europe 2014 (joint publication of the OECD and the European Commission) Released on December 3, 2014 http://www.oecd.org/health/health-at-a-glance-europe-23056088.htm Table of Contents

More information

Submission to the Inquiry into the. Tax Laws Amendment. (Medicare Levy Surcharge Thresholds) Bill 2008 AUGUST 2008

Submission to the Inquiry into the. Tax Laws Amendment. (Medicare Levy Surcharge Thresholds) Bill 2008 AUGUST 2008 Submission to the Inquiry into the Tax Laws Amendment (Medicare Levy Surcharge Thresholds) Bill 2008 AUGUST 2008 Gerardine (Ged) Kearney Federal Secretary Lee Thomas Assistant Federal Secretary Australian

More information

Demand for and Supply of Supplementary Health Insurance in Shanghai Wen Chen 1, Xiaohua Ying 1, Shanlian Hu 1, Guozhen Sun 2, Li Luo 1, Wenwei Tang 2

Demand for and Supply of Supplementary Health Insurance in Shanghai Wen Chen 1, Xiaohua Ying 1, Shanlian Hu 1, Guozhen Sun 2, Li Luo 1, Wenwei Tang 2 Demand for and Supply of Supplementary Health Insurance in Shanghai Wen Chen 1, Xiaohua Ying 1, Shanlian Hu 1, Guozhen Sun 2, Li Luo 1, Wenwei Tang 2 1 School of Public Health, Fudan University, Shanghai

More information

Credit Card Market Study Interim Report: Annex 4 Switching Analysis

Credit Card Market Study Interim Report: Annex 4 Switching Analysis MS14/6.2: Annex 4 Market Study Interim Report: Annex 4 November 2015 This annex describes data analysis we carried out to improve our understanding of switching and shopping around behaviour in the UK

More information

Barton Deakin: Commission of Audit Report Health. 7 May 2014

Barton Deakin: Commission of Audit Report Health. 7 May 2014 Barton Deakin: Commission of Audit Report Health 7 May 2014 The Report delivered to the Government by the National Commission of Audit contained several recommendations to reform the Australian health

More information

Retiree Considerations Medicare 101. June 26, 2012

Retiree Considerations Medicare 101. June 26, 2012 Retiree Considerations Medicare 101 June 26, 2012 Agenda Goal: Present information regarding Medicare and related products to assist you in evaluating options Key Topics: Eligibility Rules Enrollment Rules

More information

Coalition Senators' Dissenting Report

Coalition Senators' Dissenting Report Summary Coalition Senators' Dissenting Report It is clear from the evidence that the Lifetime Health Cover initiative has been successful in encouraging people to purchase hospital cover earlier in life

More information

For details on the results of the study, see OECD (2004), Private Health Insurance in OECD Countries, Paris.

For details on the results of the study, see OECD (2004), Private Health Insurance in OECD Countries, Paris. APPENDIX D OVERSEAS EXPERIENCE IN PRIVATE HEALTH INSURANCE Introduction D.1 The healthcare systems in most economies around the world and the roles of private health insurance (PHI) therein are the result

More information

Insuring long-term care needs. Christophe Courbage

Insuring long-term care needs. Christophe Courbage Insuring long-term care needs Christophe Courbage Introduction Low public coverage and increasing budgetary constraints prompt a move towards developing insurance solutions to cover LTC. Market evolution

More information

Private health insurance and utilization of health services in Chile

Private health insurance and utilization of health services in Chile Private health insurance and utilization of health services in Chile Ricardo Henrı quez Ho fter School of Public Health, University of Chile, Independencia 939, Independencia, Santiago, Chile E-mail: rhenriquez@sii.cl

More information

Introduction of a national health insurance scheme

Introduction of a national health insurance scheme International Social Security Association Meeting of Directors of Social Security Organizations in the English-speaking Caribbean Tortola, British Virgin Islands, 4-6 July 2005 Introduction of a national

More information

11 August 2014. Review of Australia s Welfare System CANBERRA ACT 2600. Dear Sir/Madam. Welfare Review Submission

11 August 2014. Review of Australia s Welfare System CANBERRA ACT 2600. Dear Sir/Madam. Welfare Review Submission 11 August 2014 Review of Australia s Welfare System CANBERRA ACT 2600 Dear Sir/Madam Welfare Review Submission The Financial Services Council (FSC) represents Australia's retail and wholesale funds management

More information

Survey of attitudes towards the Australian health system

Survey of attitudes towards the Australian health system Survey of attitudes towards the Australian health system Part 3: Private The Menzies Centre for Health Policy and The Nous Group recently surveyed 12 Australians to understand their attitudes towards the

More information

our e PHI PHI David Torrance Torrance

our e PHI PHI David Torrance Torrance T Tour de d PHI David Torrance 29 November 2013 Some observations, thoughts, questions 1 Community Rating Not defined explicitly but is the backbone of Australian health insurance Consistent with the funding

More information

ROYAL AUSTRALASIAN COLLEGE OF SURGEONS SUBMISSION TO THE SENATE ECONOMICS COMMITTEE JULY 2008

ROYAL AUSTRALASIAN COLLEGE OF SURGEONS SUBMISSION TO THE SENATE ECONOMICS COMMITTEE JULY 2008 ROYAL AUSTRALASIAN COLLEGE OF SURGEONS SUBMISSION TO THE SENATE ECONOMICS COMMITTEE JULY 2008 1. Overview The level of private health insurance membership (PHI) in Australia has a direct effect on the

More information

THE CORRELATION BETWEEN PHYSICAL HEALTH AND MENTAL HEALTH

THE CORRELATION BETWEEN PHYSICAL HEALTH AND MENTAL HEALTH HENK SWINKELS (STATISTICS NETHERLANDS) BRUCE JONAS (US NATIONAL CENTER FOR HEALTH STATISTICS) JAAP VAN DEN BERG (STATISTICS NETHERLANDS) THE CORRELATION BETWEEN PHYSICAL HEALTH AND MENTAL HEALTH IN THE

More information

Key trends nationally and locally in relation to alcohol consumption and alcohol-related harm

Key trends nationally and locally in relation to alcohol consumption and alcohol-related harm Key trends nationally and locally in relation to alcohol consumption and alcohol-related harm November 2013 1 Executive Summary... 3 National trends in alcohol consumption and alcohol-related harm... 5

More information

HEDG Working Paper 10/25

HEDG Working Paper 10/25 HEDG Working Paper 10/25 Demand for hospital care and private health insurance in a mixed publicprivate system: empirical evidence using a simultaneous equation modeling approach Terence Chai Cheng Farshid

More information

Long-Term Care Insurance

Long-Term Care Insurance Vol. 28, No. 9 December 2001 Long-Term Care Insurance What is Long-Term Care? Long-term care consists of medical, social, and/or personal care services required by a person with a chronic illness or disability,

More information

Health Insurance and Lifestyle Choices: Identifying Ex Ante Moral Hazard in the US Market

Health Insurance and Lifestyle Choices: Identifying Ex Ante Moral Hazard in the US Market The Geneva Papers, 2008, 33, (627 644) r 2008 The International Association for the Study of Insurance Economics 1018-5895/08 www.palgrave-journals.com/gpp Health Insurance and Lifestyle Choices: Identifying

More information

INTERNATIONAL COMPARISON OF KEY HEALTHCARE UTILISATION TRENDS

INTERNATIONAL COMPARISON OF KEY HEALTHCARE UTILISATION TRENDS MOH Information Paper: 2004/04 INTERNATIONAL COMPARISON OF KEY HEALTHCARE UTILISATION TRENDS By Leslie Khoo 1 ABSTRACT This report compares healthcare utilisation trends in s acute hospitals with those

More information

NORTHERN TERRITORY VIEWS ON CGC STAFF DISCUSSION PAPER 2007/17-S ASSESSMENT OF ADMITTED PATIENT SERVICES FOR THE 2010 REVIEW

NORTHERN TERRITORY VIEWS ON CGC STAFF DISCUSSION PAPER 2007/17-S ASSESSMENT OF ADMITTED PATIENT SERVICES FOR THE 2010 REVIEW NORTHERN TERRITORY VIEWS ON CGC STAFF DISCUSSION PAPER 2007/17-S ASSESSMENT OF ADMITTED PATIENT SERVICES FOR THE 2010 REVIEW OCTOBER 2007 ADMITTED PATIENT SERVICES Key Points: The Territory supports the

More information