• Jørgen Breivold, Isaksson RøKarinK0000-0001-9029-0854Institute for Studies of the Medical Profession, The Norwegian Medical Association, Oslo, Norway., Stein Nilsen, AndersenMerethe Kristine KousgaardMKK0000-0002-4833-1867Department of Public Health, Research Unit of General Practice, University of Southern Denmark, Odense, Denmark., Jørgen Nexøe, and Stefán Hjörleifsson.
• Department of Global Public Health and Primary Care, University of Bergen, Norway.
• Scand J Prim Health Care. 2024 Dec 1; 42 (4): 695703695-703.

ObjectivePrivate health insurance is becoming more common in Norway. The aim of this study was to investigate GPs' opinions on private health insurance, and their experiences from consultations where health insurance can affect decisions about referring.DesignA web based cross-sectional survey.SettingNorwegian general practice.SubjectsAll GPs in Norway were in 2019 invited to participate in an online survey.Main Outcome MeasuresThe GPs' opinions and experiences regarding health insurance were reported as proportions. Multiple logistic regression was used to test associations between how frequently GPs refer patients without further considerations and variables concerning their characteristics, opinions, and experiences.ResultsOf 1,309 GPs (response rate 27%), 93% stated that private health insurance raises the risk of overtreatment and 90% considered such insurance to contribute to inequality in health. Frequently being pressured to refer in the absence of a medical indication was reported by 42%. Moreover, 28% often or always chose to refer patients without further consideration, and this was associated with perceptions of pressure with an adjusted odds ratio (AOR) of 3.80, 95% confidence interval (CI) 2.73-5.29, and unpleasant reactions from patients following refusals (AOR 1.63, 95% CI 1.14-2.33).ConclusionAlthough most participating GPs associated private health insurance with overtreatment and inequality in health, more than one in four choose to refer without further consideration. GPs' experience of pressure to refer and negative reactions from patients when they consider referrals not to be medically indicated, raises the risk of medical overuse for patients holding private health insurance.

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