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Individual choice of insurance is used in several health systems as a means to empower citizens. This is based on the assumption that the insurers will act strategically on behalf of their clients to meet their needs and preferences and ensure access to high quality services, or else risk losing them to a competing insurer. Competition among insurance funds is expected to lead to improved health system efficiency, higher satisfaction with insurer services for clients (such as timely provision of information, easy administration, low waiting times, waiting list mediation, etc.). There is also an expectation that insurance competition will lead to improved care quality and could stimulate the development of more person-centred services.
The degree of choice and competition between insurers varies between health systems that have introduced this approach, as do the expectations that policy-makers in individual settings associate with choice and competition.
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