Izravnalna shema dopolnilnega zdravstvenega zavarovanja v Sloveniji in varstvo konkurence / The equalisation scheme of residual voluntary health insurance in Slovenia and protection of competition - v pripravi

  • Boris Zgrabli?

Abstract

In an oligopolic competitive health insurance market, where all insurance undertakings sell a unique and homogeneous health insurance product under community rating, the introduction of claims equalisation determines a specific Bertrand competition where the development of the market partition can crucially be determined by its initial state: an initial strong dominant market position of an insurance undertaking can result in self-reinforcing market dominance, leading to the withdrawal of the smallest firm and a final monopoly. As a prevention, specific measures of protection of competition are required at a statutory level. An example of such an initial market condition is given by means of residual voluntary health insurance in Slovenia, where an equalisation scheme in the form of claims equalisation applies, and the dominant insurance undertaking received its initial insurance contracts free of charge from a public institution, whilst the other two private insurance undertakings had to pay for the acquirement of each of their insurees. Various factors supported the consolidation of the market position of the initially smallest undertaking, preventing the described market withdrawal scenario.


Izvleček


Na oligopolnem konkurenčnem trgu zdravstvenih zavarovanj, kjer vse zavarovalnice ponujajo eno samo, homogeno zavarovalno storitev z enotno premijo, uvedba izravnave odškodnin vzpostavi specifično Bertrandovo konkurenco, kjer je lahko razvoj tržne delitve povsem določen z njenim začetnim stanjem: začetni močno prevladujoči položaj ene zavarovalnice lahko privede do samokrepitvenega prevladujočega tržnega položaja, ki povzroči umik najmanjše družbe in končni monopol. Vsaka netržno pridobljena prednost prevladujoče zavarovalnice dodatno utrjuje njen položaj. Za preprečitev tega so potrebni posebni ukrepi varstva konkurence na zakonski ravni. Primer takšnih začetnih tržnih okoliščin predstavlja dopolnilno prostovoljno zdravstveno zavarovanje v Sloveniji, kjer je uveljavljena izravnalna shema v obliki specifične izravnave odškodnin in je prevladujoča zavarovalnica ob pričetku poslovanja neodplačno prevzela vse zavarovalne pogodbe od javnega zavoda, medtem ko sta preostali zavarovalnici morali plačati pridobitev vsakega svojega zavarovanca. Več dejavnikov je podprlo tržni položaj začetne najmanjše zavarovalnice in s tem preprečilo njen umik s trga po opisanem scenariju.

Published
2018-11-19
How to Cite
ZGRABLI?, Boris. Izravnalna shema dopolnilnega zdravstvenega zavarovanja v Sloveniji in varstvo konkurence / The equalisation scheme of residual voluntary health insurance in Slovenia and protection of competition - v pripravi. Bilten: ekonomika, organizacija, informatika v zdravstvu <br/> (BULLETIN economics, organisation and informatics in healthcare) <br/> ISSN 2630-2543, [S.l.], v. 29, n. 1, p. 1 -- 10, nov. 2018. ISSN 2630-2543. Available at: <https://journals.famnit.upr.si/index.php/bilten/article/view/42>. Date accessed: 17 feb. 2020.