The design of basic and supplementary health care fi nancing schemes: Implications for effi ciency and affordability De vormgeving van basis-en aanvullende zorgverzekeringen: implicaties voor doelmatigheid en betaalbaarheid Thesis to obtain the degree of Doctor from the Erasmus University Rotterdam by command of the rector magnifi cus Prof. dr. S.W.J. Lamberts and in accordance with the decision of the Doctorate Board The public defence shall be held on the 6th of December 2007 at 13.30 hrs. To Adelina, to my sister and to my parents CONTENTS 1. General Introduction 13 1.1. Introduction 15 1.1.1. Many defi nitions of health care fi nancing schemes 16 1.1.2. Classifying health care fi nancing schemes 17 1.1.3. Trends 20 1.1.4. Implications for effi ciency and affordability 22 1.2. Aim and contribution of this study 23 1.3. Research Questions 24 2. Transaction costs of organising otherwise a system of cross-subsidies 44 188.8.131.52. Summary 45 2.3.2. Fine-tuning mandatory coverage 45 184.108.40.206. High and low option schemes 46 220.127.116.11. Single-option scheme with income-related deductibles 47 2.4. Summary and conclusions 48 3.