European Healthcare Expenditure on Curative Care and Rehabilitative Care by Voluntary Health Insurance Schemes by Country

The European healthcare expenditure on curative and rehabilitative care via voluntary health insurance schemes showed significant variability among countries in 2023. Liechtenstein led with €777.75 per capita, while Bosnia and Herzegovina recorded the lowest at €0.79. Notable year-on-year expansions occurred in Latvia (48.86%) and Malta (25.41%), whereas Luxembourg and Austria saw declines. Over five years, the compound annual growth rate (CAGR) indicated persistent growth in environments like Lithuania, Bulgaria, and Hungary, while stability or mild contractions were noted elsewhere.

Future trends indicate a focus on the innovation of personalized insurance models, increased public-private partnerships, especially within Central and Eastern Europe, and potential impacts from digital health technologies that could alter the traditional expenditure landscape. Voluntary insurance schemes are expected to expand further, driven by rising healthcare demands and emerging technologies facilitating access and efficiency.