Pengaruh Informasi Kadar Gula Darah Terkini dan Probabilitas Terjangkitnya Diabetes Mellitus terhadap Belief Updating dan Willingness to Pay Premi Asuransi Kesehatan
Abstract
This research evaluates effect of the current information about blood glucose level based onmedical test to the value of the premium willingness to pay (WTP) and ownership of healthinsurance. The data collecting methodology in this study used laboratory experiments.Participants involved in this research is limited only to the individual that has been aged a minimum of thirty-five years and have a permanent income. The sample selection was based onthe fact that the individuals in that age have increasing tencendy in the prevalence of the risk contracting acute diseases, such diabetes mellitus. While the terms on permanent-income basedon the consideration that only income individuals who can afford to buy health insurance.Theresults of this study show that blood glucose current information significantly influencesubjective belief of health status which in turn affects the value of WTP and decisions of individuals in health insurancepossession. Other variables that significantly affect the individualhealth risk perceived are the number of sick days in a month. Other significant variable is income. While the ownership of health insurance is significantly only influenced by subjectivehealth status, after receiving the objective information based on blood glucose level medicalreport.
Full Text:
PDFReferences
Ballinger, T. P., Palumbo, M. G., & Wilcox, N. T. (2003). Precautionary Saving and Social Learning across Generation. The Economic Journal, 113, 920-947.
Barigozzi, F. (2006). Price vs Quantity in Health Insurance Reimbursement. International Journal of Health Care Finance and Economics, 6(3), 191-213.
Barsky, R. B., Juster, F. T., Kimball, M. S. & Saphiro, M. D. (1997). Preference Parameters and Behavioral Heterogeneity: An Experimental Approach in the Health and Retirement Study. The Quarterly Journal of Economics, 112(2), 537-579.
Connelly, L. B. (2004). Economics and Health Promotion. European Journal Health Economics, 5, 236-242.
Diaconis, P., & Zabell, S. L. (1982). Updating Subjective Probability. Journal of the American Statistical Association, 77(380), 822-830.
Drycott, S & Dubbs. A. (1998). Cognitive Dissonance: An Overview of the Literature and Its Integration into Theory and Practice in Clinical Psychology. British Journal of Clinical Psychology, 37(3), 341-153.
Epstein, L. G., & Zhang. J. (2001). Subjective Probabilities on Subjectively Unambigous Event. Econometrica, 69(2), March, 265-306.
Fishburn, P. C. (1986). The Axioms of Subjective Probability. Statistical Science, 1(3), 335-358.
Friedman, B. (1974). Risk Aversion and The Consumer Choice of Health Insurance Option. The Review of Economics and Statistics, 56(2), 209-214.
Gilovich, T., Griffin. D., & Kahneman D. (Eds.) (2002). Heuristics and Biases: The Psychology of Intuitive Judgment. Cambridge, UK: Cambridge University Press.
Graftstein, R. (1995). Rasionality as Conditional Expected Utility Maximization. Political Psychology, 6(1), 63-80.
Kahneman, D., Slovic, P., & Tversky, A. (Eds.) (1982). Judgment Under Uncertainty: Heuristics and Biases. Cambridge, UK: Cambridge University Press.
Karni, E & Mongin, P. (2000). On the Determination of Subjective Probability by Choices. Management Science, 42(2), 233-248.
Kerssens, J. J., & Groenewegen, P. P. (2005). Consumer Preferences in Social Health Insurance. The European Journal of Health Economics, 6(1), 8-15
Klibanoff, P., & Ozdenoren, E. (2007). Subjective Recursive Expected Utility. Economic Theory, 30, 49-87.
Machnes, Y. (2006). The Demand for Privat Health Care under National Health Insurance: The Case of Self-Employed. European Journal of Health Economic, 7, 265-269.
Manski, C. F. (1981). Learning and Decision Making when Subjective Probability Have Subjective Domains. The Annals of Statistics, 9(1), 59-65.
Steleffson, M., Wang, Z.,& Klein, W. (2006). Effect Cognitive Dissonance on Intentions to Change Diet and Physical Activity among College Student. American Journal of Health Studies, 21(¾), 219-227.
Varian, H. R. (1992). Microeconomic Analysis 3rd Edition. USA: W.W. Norton & Company.
Viscussi, W. K. & Evans, W. N. (1990). Utility Function that Depend on Health Status: Estimates and Economic Implication. American Economic Review, 80(3), 353-374.
Wagstaff, A. (1986). The Demand for Health: Some New Empirical Evidence. Journal Health Economic, 5, 195-233.
Zeckhauser, R. (1970). Medical Insurance: A Case Study of the Trade-off between Risk Spreading and Appropriate Incentive. Journal of Economic Theory, 2, 10-26.
Zweifel, P., & Breyer, F. (1997). Health Economics. Oxford: Oxford University Press.
DOI: http://dx.doi.org/10.26418/jebik.v4i2.12482
Refbacks
- There are currently no refbacks.
JOURNAL INDEXING
PUBLISHED BY
Faculty of Economics and Business
Universitas Tanjungpura
This work is licensed under a Creative Commons Attribution 4.0 International License.
View My Stats