Haastregt, Kasper (2025) Unlocking Reserves: Rethinking Insurance Solvency for a Sustainable Healthcare Future. Bachelor thesis, Global Responsibility & Leadership (GRL).
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Abstract
This study explores the financial landscape of Dutch health insurance groups, how they allocate their financial reserves and investigates the potential for redistributing auxiliary reserves to support a financially sustainable healthcare system. Using a cross-sectional longitudinal analysis of financial data from the four largest Dutch insurance groups–Achmea, CZ, Menzis, and VGZ–this research identified consistently high solvency ratios, averaging well above the 100% statutory requirement. Despite a sharp decline in net results in 2024, these insurance groups collectively held €3.91 billion in auxiliary reserves. This study finds that redistributing a portion op these reserves could cover the projected €199 premium increase associated with the proposed reduction of the mandatory deductible by Cabinet-Schoof, without compromising the financial stability of insurers. The rededistribution of auxiliary reserves to compensate for the premium increase would require €2.99 billion, significantly less than the €4.5 billion allocated by the government of the Netherlands. These findings suggest that auxiliary reserves can be leveraged to alleviate rising healthcare costs without burdening care-seeking individuals. The study concludes that solvency policy should be reconsidered not merely as a risk buffer for insurers but as a proactive mechanism for promoting healthcare affordability and sustaining the solidarity principle that underpins the Dutch healthcare system.
| Item Type: | Thesis (Bachelor) |
|---|---|
| Name supervisor: | Rotulo, A. |
| Date Deposited: | 10 Jun 2025 09:24 |
| Last Modified: | 10 Jun 2025 09:24 |
| URI: | https://campus-fryslan.studenttheses.ub.rug.nl/id/eprint/614 |
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