- Page 1 and 2: A Report to the Minister for Health
- Page 3 and 4: CONTENTS TABLE OF FIGURES _________
- Page 5: CONSUMER ATTITUDES TO SWITCHING ___
- Page 9 and 10: As a result it does not have to sat
- Page 11 and 12: Recommendation 7 The Minister for H
- Page 13 and 14: indicates that consumers of PHI hav
- Page 15 and 16: Recommendation 13 The Minister for
- Page 17 and 18: is quite unclear, so far as the Aut
- Page 19 and 20: 1.4 For the next number of months t
- Page 21 and 22: other insurers were to enter the ma
- Page 23 and 24: 2.6 Private health insurance (PHI)
- Page 25 and 26: 2.17 Open enrolment and lifetime co
- Page 27 and 28: • 2001: The Health Insurance Auth
- Page 29 and 30: Figure 2: Annual Change in PHI memb
- Page 31 and 32: of medical inflation and the higher
- Page 33 and 34: VIVAS Health is rising steadily. In
- Page 35 and 36: • Table 1 below shows the annual
- Page 37 and 38: Figure 6: PHI Products BUPA Ireland
- Page 39 and 40: • Work-based group schemes where
- Page 41 and 42: from year to year and also during t
- Page 43 and 44: 3. DEFINING THE PRIVATE HEALTH INSU
- Page 45 and 46: Figure 7: Key features of Related H
- Page 47 and 48: price increase unprofitable by a hy
- Page 49 and 50: 4.6 Aspects of the exemption from i
- Page 51 and 52: and quarterly management accounts t
- Page 53 and 54: Table 4: Regulation of PHI Firms 48
- Page 55 and 56: 4.31 This is a positive step. Just
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obliges Vhi Healthcare to seek appr
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4.41 In the regulatory approval pro
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4.50 However, the Authority is clea
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Unfunded Lifetime Community Rating
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President of the Society of Actuari
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− The main other deterrent at pre
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o The former members of the Advisor
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materially affected by any seasonal
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It may also be noted that the propo
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4.94 There are 37 health insurers i
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Interviews with Possible New Entran
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have shown that new sales and switc
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not binding on incumbents and no in
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5.33 In this context Vhi Healthcare
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5.44 As the former incumbent monopo
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5.52 Vhi Healthcare’s first mover
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• Psychological costs 6.5 Transac
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18-24 9% 13% 25-34 34% 19% 35-44 31
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6.24 The provision of renewal notic
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The HIA publishes on its website a
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Recommendation 10 Following consult
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Recommendation 11 The insurance com
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Regulations were established to aff
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transferred and the amounts require
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Buyer Power and Concentrated Market
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The Supply of Private Medical Facil
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VIVAS Health claims that Vhi Health
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approval on coverage of facilities
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Supplier-Induced Demand 7.36 The Vh
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Questions Relevant evidence Irish P
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to restrict individual choice of pr
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8. CONCENTRATION AND MARKET POWER I
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gives us some indication of the com
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wishes to retain the flexibility to
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largest price increase that is prof
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scheme. Employees may be under the
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elevant regulatory requirements, ex
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Table 7 Vhi Healthcare Financial Re
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• There is limited buyer power fr
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Breaking up Vhi Healthcare would di
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expertise and other staff resources
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APPENDIX 1 Other forms of health re
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APPENDIX 2 Report of UK Government
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Australia Ireland Public hospital U
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Australia Ireland Risk equalisation
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1.22 The Irish data is not split at
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Conclusion of normal claim payments
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APPENDIX 3 Consumer Attitudes to Sw
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Survey Respondent factors promoting
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APPENDIX 5 OECD Review of PHI The O
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not-for-profit insurers has posed c
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114. Private insurers have not impl
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APPENDIX 6 List of Submissions The
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Understanding and Comparing Private
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Benefits Outpatient Cover Cover for
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Dobson, P., M. Waterson and A. Chu,
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Vhi Healthcare (2005), Annual Repor