Voluntary Private Health Insurance in Norway: An empirical analysis of use patterns and risk selection for group and individual policy holders

Voluntary private health insurance (VPHI) has been available for purchase in Norway since the late 1990s and has become increasingly popular since; those covered in Norway grew from nearly 40 000 in 2003 to over 400 000 in 2013.

Knowledge about those who purchase individual policies in Norway is limited to one analysis which examined survey data from 2004. Regression analysis revealed regional waiting times in the public system, self-employment, income and smoking status as important covariates

The purpose of this thesis is to perform an exploratory data analysis of policy and claims data obtained from a Norwegian VPHI provider to uncover how VPHI is used in Norway and by whom. The thesis also aims at taking a preliminary step towards hypothesis testing of whether there is advantageous selection occurring in Norway’s VPHI market.


  • Ja


  • Nei


NSD - Ikke behov

Prosjektet er ikke søknadspliktig/meldepliktig til NSD.

REK - Ikke behov

Prosjektet er ikke søknadspliktig til REK.


Knut Reidar Wangen

Ansvarlig enhet

Avdeling for helseledelse og helseøkonomi


  • Studentprosjekt – Bachelor-, master- eller spesialistoppgave

Helsefaglig forskning

  • Ja


  • Ikke besvart


  • Start: januar 2019
  • Slutt: mai 2019
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