SPI Infoamtion

Table of Contents

Executive summary

Introduction to private health insurance in Europe
The role of private health insurance in key EU markets
Focus on the Dutch and Swiss healthcare systems
Pharmaceuticals and diagnostics in the private healthcare sector
European private health insurance landscape
Future trends

Chapter 1 Introduction to private health insurance in Europe

Summary
Introduction
Healthcare systems in Europe
Role of private health insurance

European population with private insurance

Contribution of private insurers to healthcare funding

Chapter 2 The role of private health insurance in key EU markets

Summary
Introduction
France

Sources of healthcare funding

The private health insurance sector

Rx and Dx coverage

Private healthcare providers

Germany

Sources of healthcare funding

The private health insurance sector

Private health insurance benefits

Private healthcare providers

Italy

Sources of healthcare funding

Private healthcare spending

The private health insurance sector

Private healthcare providers

Spain

Sources of healthcare funding

Private health insurance sector

Private healthcare providers

UK

Sources of healthcare funding

Private health insurance sector

Private health providers

Chapter 3 Focus on the Dutch and Swiss healthcare systems

Summary
Introduction
The Dutch healthcare system

Healthcare financing

Dutch health insurance coverage

Basic drug coverage

Complementary insurance

Health insurance industry

Health providers

The Swiss healthcare system

Healthcare financing

Health insurance premiums

Health insurance industry

Health providers

Parallels with Massachusetts
Conclusions

Chapter 4 Pharmaceuticals and diagnostics in the private healthcare sector

Summary
Introduction
Coverage decisions by private insurers

Case study: Bupa (UK)

Lifestyle and OTC medicines

Case study: Allianz France

Diagnostic tests
Disease management initiatives

Case study: Health Dialog España

Chapter 5 The European private health insurance sector landscape

Summary
Introduction
Overview of private health insurance industry

Industry structure

Market shares

Vertical integration

Public-private partnerships

Hospital de Manises

Profiles of leading health insurers

Achmea

Bupa

DKV

Groupama

Sanitas

Chapter 6 Future trends in the European private healthcare sector

Summary
Introduction
Market dynamics
Industry consolidation
Coverage of medical products
Cost controls

Disease management

Purchasing policies

Risk-sharing agreements

Conclusions

Appendix

Research methodology

Glossary
Index

List of Figures
Figure 1.1: Contribution of private funding (%) to total health expenditure in key markets
Figure 1.2: Role of private health insurance in key markets
Figure 1.3: Market share of benefits paid by private insurers in Europe
Figure 2.4: Breakdown of private health insurance expenditure in France
Figure 2.5: Breakdown of private healthcare expenditure by insurers in Germany
Figure 2.6: Public and private healthcare expenditure (€bn) in Italy
Figure 2.7: Breakdown of private healthcare spending in Italy
Figure 2.8: Sources of healthcare funding in Spain
Figure 2.9: UK sources of healthcare funding (£bn)
Figure 3.10: Dutch population (%) with complementary private health insurance
Figure 3.11: Index of health insurance premiums in Switzerland
Figure 3.12: Types of health plan by franchise (%) in Switzerland
Figure 4.13: Pharmaceutical and IVD sales (€bn) in top EU markets
Figure 5.14: Market share (%) of health insurance premiums in Europe
Figure 5.15: Bupa’s revenues (%) by business sector

List of Tables
Table 1.1: Summary of PHI role in key European markets
Table 1.2: Population covered by PHI in 10 European countries
Table 1.3: Benefits paid by PHI as % of total healthcare expenditure
Table 2.4: Sources of healthcare funding (%) in France
Table 2.5: Contribution to main healthcare expenditures (%) in France by source
Table 2.6: Profile of private health insurance industry in France
Table 2.7: Sources of healthcare funding (%) in Germany
Table 2.8: Profile of private health insurance industry in Germany
Table 2.9: Types of supplementary PHI purchased by Germans covered by GKV
Table 2.10: Profile of population with private health insurance in Germany
Table 2.11: Sources of healthcare funding (€bn) in Italy
Table 2.12: Public and private spending (€bn) on pharmaceuticals in Italy
Table 3.13: Sources of healthcare funding (€m) in the Netherlands
Table 3.14: Market shares of health insurers in the Netherlands
Table 3.15: Sources of healthcare funding in Switzerland (CHFm)
Table 5.16: Profile of European private health insurance industry
Table 5.17: Eureko health results (€m), 2009
Table 5.18: Achmea monthly premiums (€) for supplementary health insurance