Přímé platby domácností na zdravotní péči v České republice a Švýcarsku v letech 2015 až 2023

This bachelor’s thesis examines two very different healthcare models. It analyses the development of out-of-pocket healthcare expenditures in the Czech Republic and Switzerland from 2015 to 2023 and evaluates the differences in their structure and share of total healthcare expenditures. It is based on secondary macroeconomic data from the Czech Statistical Office, the Swiss Federal Statistical Office, and the OECD Health Statistics database using the SHA 2011 methodology, employing descriptive statistics, time series comparison, and a base index. The results show that direct household payments grew in both countries at different rates. In the Czech Republic, they increased by 90.3 % during the period under review, and in Switzerland by 28.0 % according to the base index. The share of out-of-pocket payments by households in total health care expenditures was consistently higher in Switzerland, averaging 8 percentage points higher than in the Czech Republic. In the context of selected European countries, the Czech Republic ranks among those with the lowest rates of direct payments, while Switzerland significantly exceeds all other countries under review. The higher share in Switzerland is not due to statutory copayments and deductibles, but rather to net direct payments for services not covered by insurance. This thesis serves as a basis for discussion on reforms and the expansion of cost-sharing in the Czech Republic and as a basis for comparing different models of cost-sharing in healthcare financing.