The aim of my thesis entitled "The impact of pension reform on public and commercial insurance" is primarily to assess the current state of public insurance, which includes social insurance, as the first pillar of the pension system, the evaluation of the other two pillars and reforms associated with it. I describe to you the functioning of the system of public health insurance and commercial insurance options. Also, as the reader will learn some background information functioning medical facility. As a result, I will summarize the effects of reform and attempt to assess.

The main theme of the thesis called ‘Marketing plan for Všeobecná zdravotní pojiišťovna for Zlín regional branch office’ is analyzing the current market and on the basis of this analyzes creating a draft of its marketing plan. The theoretical part of this thesis is focused on the process of creating a marketing plan based on literature. In the following practical part, theoretical knowledge is applied surroundings as well as into their analysis and designing a marketing plan for a particular segment.

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<p>This thesis studies the impacts of three government policy interventions in Canada on individuals' behaviour and attempts to bound structural coefficients implied by economics theories using the estimated treatment effects. While the last chapter is on the healthcare market, the first three chapters focus on individuals' charitable behaviour, especially volunteer behaviour. A compulsory volunteer policy in Ontario is investigated from theoretical and empirical perspectives in chapters one and two respectively. In a theoretical overlapping generation model with social capital accumulation, we find that such a policy likely increases total public good provision and the social capital level. However, whether it increases long-run volunteering by those no longer subject to the policy depends crucially on the size of a public good demand elasticity. Chapter two empirically examines the impact of a “compulsory volunteerism” policy for adolescents on subsequent behaviour in Ontario, which mandates 40-hours of community service for high school students as a requirement for graduation. We estimate that: 1) the compulsory volunteer policy increased volunteer participation during high school; 2) those affected by the policy likely volunteered less than they otherwise would have after high school completion; 3) young people in Ontario who were not directly affected by the policy volunteered less after its introduction.</p> <p>The third chapter examines the impact of tax policy changes on individuals' volunteer behaviour and attempts to analyze the relationship between donations of time and money. We develop a model where individuals are heterogeneous in their labour market and volunteer productivities, and in their tastes, which shows that positive cross sectional correlation between donations of money and time may occur because of individual-specific effects even though each individual would regard such donations as substitutes. Exploiting the exogenous variation in the tax price introduced by a series of tax policy changes in Canada, we find that individuals make more time donations as the tax price of charitable donations increases, which casts doubt on earlier findings in cross sectional data that monetary and time donations are complements and suggests that they may be substitutes as most theories would imply.</p> <p>The last chapter exploits changes in Canadian public health insurers' reimbursement schedules regarding chiropractic services to identify the impacts of subsidies for providers and patients. Over the past two decades, fiscal pressures have seen these services partly or completely “delisted” from public health insurance programs. Despite a large sample of individuals, there are challenges for inference in this situation where the source of exogenous variation derives from a small number of jurisdiction-level policy changes. To address them, we employ aggregation, a wild cluster bootstrap that provides asymptotic refinement, and other approaches. The results show appreciable decreases in providers’ incomes and in utilization with the latter concentrated among low and middle income patients. But, chiropractors also augment their labour supply, perhaps increasing administration, marketing/promotion, or time per patient visit.</p> / Doctor of Philosophy (PhD)

Essay 1: Individuals with higher socioeconomic status (SES) also tend to enjoy better health. Evidence from the economics literature suggests that a potential mechanism behind this “social health gradient” is that human capabilities, that form SES, also facilitate health-promoting behaviors. This essay empirically investigates the significance of socioeconomic differences in health behaviors, using dental care consumption as an operationalization of health investments. I focus on adults at an age where lifetime trajectories for SES can be taken as given and use lifetime income to capture SES. I estimate the impact of lifetime income on dental care consumption and find robust evidence that the social gradient in dental care consumption steepens dramatically over the life-cycle. Considering that dental care consumption only reflects a small part of individuals' health investments the results suggest that lifetime effects of SES on health behaviors could be substantial in other dimensions. Essay 2: This essay studies the effect of competition on prices on a health care market where prices are market determined, namely the Swedish market for dental care. The empirical strategy exploits that the effect of competition differs across services, depending on the characteristics of the service. Price competition is theoretically more intense for services such as examinations and diagnostics (first-stage services), compared to more complicated and unusual treatments (follow-on services). By exploiting this difference, I identify a relative effect of competition on prices. The results suggest small but statistically significant negative short-term effects on prices for first-stage services relative to follow-on services. The results provide evidence that price-setting among dental care clinics responds to changes in the market environment and substantial effects of competition on prices over time cannot be ruled out. Essay 3: The Swedish dental care insurance subsidizes dental care costs above a threshold and becomes more generous as dental care consumption increases. On average, higher-income individuals consume more dental care and have better oral health than low-income individuals. Therefore, the redistributional effects of the Swedish dental care insurance are ambiguous a priori. I find that the dental care insurance adds to the progressive redistribution taking place through other parts of the Swedish social insurance (SI) for individuals aged 35-59 years whereas it reduces the progressivity in the SI for those aged 60-89 years. While the result for the oldest individuals is problematic from an equity point of view, the insurance seems to strengthen the progressitivy of the Swedish social insurance for the vast majority of patients.

The theses is referring to The Comparison of Health Insurance Systems in the Czech Republic, Germany, Switzerland and the Neetherlands. It is focusing on three main components of the medical insurance system, the insurance companies, the healthcare providers and the insured parties. Each of these components has a significant role within the medical system and as their representation in distinct areas is quite broad, I prefered to choose the key areas where the medical insurance figures the most. Each chapter characterises one of the main components of the medical insurance system. First two chapters are the introduction and the models of financing of different medical systems. Third chapter depicts the main characteristics of the insurance system in each country. Fourth chapter names the rights and the duties of the insured person. Fifth chapter is acknowledged to the insurance companies and their role in the financement of the medical system. The last component of the medical system, the health care providers, are defined in the sixth chapter. The conclusion is attributed to the comparisson between the countries regarding the components listed above. The main goal of the theses is to present the differences between the health insurance systems and to evaluate the advantages and disadvanteges in...

Inhabitants´ Opinions to the Health Service Problems in the Czech Republic The diploma thesis {\clqq}Inhabitants´ Opinions to the Health Service Problems in the Czech Republic`` deals with the problems of the Czech health service. The theoretic part treats of the definitions of the main terms, legislative framework, state health service policy, public health insurance, public finances reform and first of all treats of the new Act on Public Budget Stabilization n. 261/2007 Law Code, effective from January 1st, 2008. Recently there have been discussed the Czech health service problems within the context of publication of the health service reform. The implementation of the regulation fees evokes the atmosphere of disagreement and fear from financial non-capacity in the inhabitants resulting from the fees implementation on particular items of health care. It is necessary to realize that there have been health service problems all the time. But this situation doesn´t apply to the Czech Republic solely. Quite a number of states have to solve the problems and shortcomings of the health service system. To point out these problems, to find out the cause but first of all to find the ways to deal and eliminate problems should be the main objective of the state. The Czech health service needs badly the alternation. It has to tackle the 21st century challenges and at the same time to continue in european tradition which is based on the availibility of health care for all our inhabitants. There are no doubts that population ageing, new medical procedures, services quality requirements and the possibility of co-determination will lead to the significant changes of financing and organization of the health service all over the world. (18) The aim of the diploma thesis is to survey the ideas applying to the health service problems in the Czech Republic by the inhabitants over 18 years old living in Nachod region. In the framework of quantitative research there were used the questioning method (questionnaire) and the method of document analysis (the technique of secondary data analysis). The diploma thesis {\clqq}Inhabitants´Opinion to the Health Service Problems in the Czech Republic`` tries to illustrate comprehensive aspect of the general public to the Czech health service and challenge to study this problem.

The purpose of this thesis is an analysis of the issue of the public health insurance system in the Czech Republic as a system of funding of healthcare. In the beginning there is introduced a position of the health insurance system within the system of social security, definitions of terms and historical context of health insurance aspects in the Czech environment. Then the system of public health insurance is classified to models of funding of healthcare in the world and put into a contrast to other existing models of funding. A part of this thesis contains sources of law concerning this issue. There is an analysis of the issue of health insurance premium, the payers of the premium, the form and amount of the premium paid and the method of redistribution of the amounts collected. In another chapter there is presented the institutional background of the public health insurance system - the health insurance companies recently active in the Czech Republic, their role within the system, organizational structure and their economic activities. The main part of the thesis introduces the issue of health care, aspects of providing the health care, reimbursement of the health care to its providers and the position of these providers within the system. In the end there are described the effects on the health...

This thesis is aimed at learning selected aspects of the private health insurance system in OECD countries and its co-existence side by side with the public health insurance. Introductory chapters describe theoretic starting points and principles of functioning of the health insurance system in harmony with existing models of the healthcare policy. The analytical part of the thesis, using qualitative methods of investigation, deals with the development and the current state of the system of the health insurance in the Czech Republic from 1989 and characterizes briefly major problems being encountered and solved. Furthermore, the thesis maps trends of the health insurance in selected OECD countries, showing issues within the structure of healthcare system expenses in countries followed and their influence on the system of the health insurance. The thesis is also informing about present problems on the private health insurance market in OECD countries precisely as described in a study made by the Organization for Economic Co-operation and Development. The final chapter compares the mentioned health insurance systems from the point of view of co-payment and co-existence.

The thesis aims to analyze the development of relevant debt indicators, i.e. state budget deficit, public debt, government deficit and debt, but also debt and the deficit of the public health insurance. The management of public health insurance in the Czech Republic is analyzed as well. Last but not least, the goal is to find also the most important factors affecting the growth of debt indicators of public health insurance and determine the possible consequences of the deficit of the public health insurance. The theoretical part consists of three chapters. The first chapter concerns the general public finances and financial imbalances. Here is particularly important the subchapter about the budget system. The second chapter deals with the debt indicators, namely public debt and its affiliates, as well as budget deficits and specific deficits. All of these debt ratios are then analyzed in the analytical part of this thesis. The last chapter relates to public health insurance. Analytical part is divided into two major chapters. The first chapter analyzes the development of the state budget, public debt, government deficit and government debt in the Czech Republic. The entire analysis is divided into two periods, namely 1993 to 2003 and 2004 to 2014. This section contains the definition of the most important causes of development. The second part is devoted to the analysis of public health insurance, namely its evolution, current state, but also the development of debt indicators of public health insurance, which are analyzed again within the Czech Republic in two seasons. At the conclusion of this chapter are defined the most important factors influencing the evolution of debt indicators of public health insurance and the impact of a possible deficit of the public health insurance.