Materi Pengantar Arsuransi Kesehatan

UNCERTAINTY : an outcome is not known in advance 

RISK  :  The probability that an adverse event will occur. 

                                          The expected loss from an adverse event

Example

Uncertainty:  I do not know whether my bicycle will be stolen when I leave it outside of my apartment at night.

Risk:  The probability that my bicycle will get stolen multiplied by the value of my bicycle.

Risk Management

Risk avoidance

                à tidak punya sepeda

Risk reduction

                à menggembok sepeda

Risk transfer (pooling)

                     à mengasuransikan sepeda

Risk Pooling

•          Individual risks are shared over a larger group.

•          Individuals pay an amount into the pool that is less than their expected loss.

•          Individuals receive compensation from the pool if their loss occurs.

•          Risk pooling increases the predictability of risks—losses are more predictable for larger risk pools.

Uncertainty in Health and Health Care

•          Health status is uncertain--the consumer does not know what his or her health status will be in the future.

•          The effectiveness of different treatments for individual patients is uncertain.

•          Because future health status is uncertain and the effectiveness of treatment is uncertain, future health expenditures are also uncertain.

 

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