0121-8697 0121-8697 S0121-86972018000200100 10.14482/dere.50.0005 Spain 00 12 2018 00 12 2018 50 100 118

2005 2010 2005 2015 187 11-2 2010 32 709 2008 83 71 2015 13 2 2 167-84 2015 26 6-27 European Parliament 2004 Federation of Insurance Association 2016 2016 1 8 2011 66 57 2010 4 1 2012 NHS 2011 2010 2009 373 593 2008 205 474 2010