VWO Bedrijfseconomie Practice Questions - Netherlands VWO Bedrijfseconomie - Centraal Examen And Schoolexamen

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How does choosing a higher voluntary deductible (vrijwillig eigen risico) affect a consumer's monthly health insurance premium in the Netherlands?

It increases the monthly insurance premium because the insurer faces higher moral hazard. It decreases the monthly insurance premium because the insured assumes a higher share of initial claim costs. It leaves the monthly insurance premium completely unchanged because basic cover is government-regulated. It eliminates the mandatory deductible (verplicht eigen risico) entirely.

Correct Answer:

It decreases the monthly insurance premium because the insured assumes a higher share of initial claim costs.

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