Table 3 Strategies for changing behavior before needing health services
From: A systematic review of strategies used for controlling consumer moral hazard in health systems
Theme/ source | Category | Code | Outcome variables |
|---|---|---|---|
Development of incentive insurance programs | Extending preventive care insurance | - Proposing insurance coverage for preventive care - Separating insurance coverage for prevention and treatment - To encourage insureds to use more secondary preventive care - Improving perception of health status through secondary preventive care | - Health services utilization - Health costs - Risk-reducing behaviors - Choice of expensive health services health |
Development of bonus oriented insurance | - Adjusted premiums according level of preventive effort - Premium reduction, bonus payments/ rebate insurance /to encourage non-use or limited use in return for next premium reduction, risk adjustment .no-claims bonus, risk rating premium - No-claim Bonus and Coverage Upper Bound | ||
Community empowerment [23] | Community education | - Health promotion education - Civic education about the consequences of unnecessary use of health services | - Not evaluated |