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1 Voluntary health insurance in the European Union 2 Voluntary health insurance in the European Union tween the World Health Organization Regional Office for Europe, the Govern-ment of Belgium, the Government of Finland, the Government of Greece, the Government of Norway, the Government of Spain, the Government of Swe-den, the European Investment Bank, the Open Society Institute, the World Bank, the London School of Economics and Political Science and the London School of Hygiene & Tropical Medicine. 3 European Observatory on Health Systems and Policies Voluntary health insurance in the European Union Elias Mossialos and Sarah Thomson European Observatory on Health Systems and Policies and LSE Health and Social Care, London School of Economics and Political Science with (in alphabetical order): Reinhard Busse, Technical University, Berlin • Charalambos Economou, National School of Public Health, Athens • Margherita Giannoni-Mazzi, University of Perugia • Jean Hermesse, Université Catholique de Louvain • Tony Hockley, The Policy Analysis Centre, London • Maria M Hofmarcher, Institute for Advanced Studies, Vienna • Hans Maarse, University of Maastricht • Hennamari Mikkola, National Research & Development Centre for Welfare & Health, Helsinki • Monica Oliveira, London School of Economics and Political Science • Marisol Rodríguez, University of Barcelona • Simone Sandier, Arguments Socio-Economiques pour la Santé, Paris • Caj Skoglund, BCS Kompetensutveckling AB and The Swedish Welfare Group • Philippe Ulmann, Conservatoire National des Arts et Métiers, Paris • Karsten Vrangbæk, University of Copenhagen 4 Voluntary health insurance in the European Union © World Health Organization, 2004 on behalf of the European Observatory on Health Systems and Policies This document may be freely reviewed or abstracted, but not for commer-cial purposes. For rights of reproduction, in part or in whole, application should be made to the WHO Regional Office for Europe, Scherfigsvej 8, DK-2100 Copenhagen, Denmark [for translation: pubrights@euro.who.int; for reproduction: permissions@euro.who.int]. The European Observatory on Health Systems and Policies welcomes such applications. The designations employed and the presentation of the material in this document do not imply the expression of any opinion whatsoever on the part of the European Observatory on Health Systems and Policies or its participating organizations concerning the legal status of any country, ter-ritory, city or area or of its authorities, or concerning the delimitation of its frontiers and boundaries. The names of countries or areas used in this document are those which obtained at the time the original language edi-tion of the document was prepared. The views expressed in this document are those of the contributors and do not necessarily represent the decisions or the stated policy of the European Observatory on Health Systems and Policies or its participating organiza-tions. For more information on the Observatory contact: European Observatory on Health Systems and Policies Rue de l’Autonomie 4 1070 Brussels Belgium www.observatory.dk ISBN 92 890 1065 7 ... - tailieumienphi.vn
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