Table 1 Discrete choice experiment: attributes of health insurance plans and levels
Attributes | Levels | |
|---|---|---|
Yearly deductible | Status quo | Current deductible: CHF 300, 500, 1000, 1500, 2000, or 2500 |
Alternatives | CHF 0 or 5000 | |
Yearly copayment | Status quo | 10% with a maximum of CHF 700 |
Alternatives | 0% for services with a high benefit compared to their costs; 10% with a maximum of CHF 700 otherwise. 20% for services with a low benefit compared to their costs up to CHF 1400; 10% with a maximum of CHF 700 otherwise. | |
Disbursement of medicines | Status quo | According to the current list of disbursed medicines |
Alternative | When several medicines are available, only the one with the highest benefit compared to its cost is reimbursed. | |
Monthly premium | Status quo | Your current monthly premium |
Alternatives | Increase in monthly premium by CHF 25 or 50 Decrease in monthly premium by CHF 25 or 50 | |