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If people have their basic insurance at another insurer than their complementary insurance, they have to register at two different insurers.
Although the insured are allowed to have their basic insurance with a different insurer than their complementary insurance, the possibility of risk selection through the complementary insurance might restrain the insured from switching.
Recently, the Dutch Healthcare Authority (NZa) reported that there are hardly any differences between the basic packages from different insurers, but there are difference in complementary insurance [ 14].
The most reported reasons for not switching were: 'I'm insured with the same insurer for years' and; 'I'm satisfied with the coverage of the package offered'; 'I'm satisfied with the service of my health insurer' and; 'The coverage of the complementary insurance'.
Among consumers who did not switch insurer during 2011, around 3% cited concern of being rejected for complementary insurance as a reason [ 57].
For example they will ask a higher premium for complementary insurance if they do not already have their basic insurance with the same insurer [ 7].
Similar(31)
Overall and monthly household income-specific prevalence were adjusted for age, sex, smoking status, occupational position, marital status, dependent children at home (age <15 years), education, Swiss citizenship, complementary health insurance, receiving health insurance premium subsidy, and monthly household income (only for overall prevalence analysis).
The complementary health insurance companies or additional insurances coverage depends on the subscribed contract.
In France, not having complementary health insurance and, to a greater extent, receiving free complementary health insurance are often associated with low to very low household income.
The copayment must be paid by the insured person or, where applicable, by their complementary health insurance fund.
bIn France, private complementary health insurance is generally purchased to cover reinsurable copayments that are not covered by public health insurance: for any given service, the reimbursement is computed as a percentage of regulated prices, and some providers are also allowed to charge additional fees.
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