first step the decision to save at all is analyzed, showing that the main determinants for saving are personal income as … saving rate. Modelling both decisions separately therefore leads to a better understanding of the determinants of saving for …

of pharmaceuticals into prescription fees and direct payments gives better insights into the determinants. We conclude … household budget surveys are of limited value when studying the determinants. …

-of-pocket. Settings and design: This study analyses the socio-economic determinants of out-of-pocket expenditure for dental services (OOPE … results allow new insights into the determinants of OOPE for dental care. The household level turns out to be an adequate … basis to study the determinants of OOPE, although caution should be applied before jumping to conclusions for the individual …

patient out-of-pocket. Objectives: We analyze the socio-economic determinants of out-of-pocket expenditures for dentals … one-part GLM confirm the results of the two-part model. Conclusions: Our results allow new insights into the determinants … of OOPE for dental care. The household level turns out to be an adequate basis to study the determinants of OOPE …

becoming increasingly invalid. Using data from the German Socio-Economic Panel Study, I analyze the incidence and determinants …