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Low usage insurance scheme scrapped: After three years the Dutch health insurance scheme with a no claim bonus has been scrapped amid “serious doubts” about its effectiveness (BMJ 2004;328:660 doi: 10.1136/bmj.328.7441.660-b). The scheme was intended to reward healthy behaviour by refunding up to £170 (€250; $340) a year from premiums for not using hospital and pharmacy care. Instead all patients will pay the first £100 towards the …