Measuring health insurance literacy in the Netherlands – First results of the HILM-NL questionnaire

Holst, Laurens; Rademakers, Jany; Brabers, A.; Jong, Judith de

doi:10.1016/j.healthpol.2022.09.001

Cited by 7 publications

(6 citation statements)

References 21 publications

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“…Lastly, patients need to adjust their understanding of low-level hospitals, understand the functional positioning of the different hospital types [ 45 ], and select the hospital appropriate for the nature and severity of their illness. In addition, they should discuss the hierarchical medical policy with family and friends, thereby broadening the reach of the policy.…”

Section: Discussionmentioning

confidence: 99%

Effects of and Prospects for the Hierarchical Medical Policy in Beijing, China

2023

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Hierarchical medical policies are widely used worldwide to reduce healthcare costs, rationalize the use of healthcare resources, and improve accessibility and fairness of healthcare services. However, few case studies have evaluated the effects and prospects of such policies. Medical reform efforts in China have distinct goals and characteristics. Therefore, we investigated the effects of a hierarchical medical policy in Beijing and assessed the future potential of the policy to yield insights for other countries, especially developing countries. Different methods were used to analyze multidimensional data from official statistics, a questionnaire survey of 595 healthcare workers from 8 representative public hospitals in Beijing, a questionnaire survey of 536 patients, and 8 semi-structured interview records. The hierarchical medical policy had strong positive effects on improving access to healthcare services, balancing the workload of healthcare workers in various levels of public hospitals, and improving the management of public hospitals. The remaining obstacles include severe job stress among healthcare workers, the high cost of some healthcare services, and the need for improvement in the development level and service capacity of primary hospitals. This study provides useful policy recommendations regarding the implementation and extension of the hierarchical medical policy, including the need for governments to improve the hospital assessment system and for hospitals to actively participate in developing medical partnerships.

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Section: Discussionmentioning

confidence: 99%

Effects of and Prospects for the Hierarchical Medical Policy in Beijing, China

2023

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“…This novel approach opposes two methods proposed in the US literature but that lack justification and whose results vary greatly. 7 The first method involves grouping respondents who answered ‘not confident/likely at all’ or ‘a little confident/likely’ to at least one item of the HILM-CH as having an inadequate HIL level, while the rest were classified as adequate. 6 The second approach suggests dividing the HIL score into three equally large groups of HIL: low, intermediate or high.…”

Section: Discussionmentioning

confidence: 99%

“…This study enhances the generalizability of these results beyond US samples by investigating the context of Switzerland’s choice-based health insurance system. 7 , 8 Prior studies have shown Swiss consumers’ limited ability to navigate health insurance, with a significant part of the population not knowing where to find health insurance information or being unaware of their health insurance plan details. 9 This comes vis-à-vis the Swiss highest out-of-pocket healthcare expenditures and a significant part of the population skipping medical care due to costs.…”

Section: Introductionmentioning

confidence: 99%

“…16 Third, the study sheds light on Switzerland’s cultural differences by examining region-specific variations in HIL, providing valuable insights into each region’s influence on health insurance decisions. Lastly, the study advances the HIL international literature by exploring factors associated with HIL in a novel way using quantile regressions, 4 , 6 , 7 extending examined factors with preference factors for deeper insights into HIL variations. 7 , 17 …”

Section: Introductionmentioning

confidence: 99%

“…Lastly, the study advances the HIL international literature by exploring factors associated with HIL in a novel way using quantile regressions, 4 , 6 , 7 extending examined factors with preference factors for deeper insights into HIL variations. 7 , 17 …”

Section: Introductionmentioning

confidence: 99%

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Assessing health insurance literacy in Switzerland: first results from a measurement tool

Bardy

2023

European Journal of Public Health

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Background Health insurance literacy (HIL) is crucial for individuals to make informed-decisions and navigate complex choice-based health insurance systems. However, there is a lack of evidence on HIL in countries outside the US, with Switzerland no exception. Methods Using the HILM-CH, a survey instrument developed to measure HIL in Switzerland, this study first describes the answers to the HILM-CH. Second, the study uses ordinary least squares and quantile regressions to investigate the associations between the HIL score and demographic, socioeconomic, health, and preference factors in the German, French, and Italian Swiss regions. Results A third of the population faces difficulties in finding health insurance information. Understanding it and managing the financial aspects of the Swiss health insurance system pose the biggest barriers to the population. The HIL score significantly and positively correlates with age and financial risk, while non-Swiss individuals have lower HIL scores. No association was found between HIL, gender, education and time preference. There is a small health gradient, with more doctor visits associated with higher HIL in the lowest quantiles of the HIL score. Similarly, wealthier individuals in the Swiss German part of Switzerland have a higher HIL when choosing their health insurance. Conclusion This study provides important insights into Swiss HIL and its associated factors. These findings contribute to the international literature on HIL and highlight the importance of understanding variations in HIL and various factors in choice-based health insurance systems.

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