Many studies have attempted to investigate the drivers of preventive behaviour. This study contributes to this strand of literature by examining the association between higher insurance deductibles in the Swiss health system and preventive behaviour that allows for maintaining a good diet, exercising and limiting/abstaining from smoking and alcohol consumption. To conduct our study, we made use of the 2017 Swiss Health Survey and employed an ordered probit model with each prevention aspect as a dependant variable. Our results show that, except for alcohol consumption, higher insurance deductibles were significantly associated with higher behavioural prevention. Our study also highlighted how numerous other factors influenced prevention and offered some guidance for public policies to further incentivise prevention decisions.

中文翻译：

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关于保险免赔额与预防行为之间的关联：来自瑞士卫生系统的证据

许多研究试图调查预防行为的驱动因素。这项研究通过检查瑞士卫生系统中较高的保险免赔额与预防行为之间的联系而做出了贡献，预防行为可以保持良好的饮食习惯，锻炼和限制/避免吸烟和饮酒。为了开展我们的研究，我们利用了2017年瑞士健康调查并采用了有序的概率模型，将每个预防方面作为因变量。我们的结果表明，除了饮酒以外，更高的保险免赔额与更高的行为预防能力显着相关。我们的研究还强调了许多其他因素如何影响预防，并为公共政策提供了一些指导，以进一步激励预防决策。