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        <datestamp>2026-09-13T14:37:38Z</datestamp>
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          <dc:title>Data for: When the Whole System Improves (DGSFP health insurance complaints, 2020-2024)</dc:title>
          <dc:creator>Juliette Lefebvre (24858670)</dc:creator>
          <dc:subject>Insurance studies</dc:subject>
          <dc:subject>Health economics</dc:subject>
          <dc:subject>Applied economics not elsewhere classified</dc:subject>
          <dc:subject>Information governance, policy and ethics</dc:subject>
          <dc:subject>Finance</dc:subject>
          <dc:subject>Public policy</dc:subject>
          <dc:subject>Other law and legal studies not elsewhere classified</dc:subject>
          <dc:subject>insurance complaints</dc:subject>
          <dc:subject>DGSFP</dc:subject>
          <dc:subject>Spain</dc:subject>
          <dc:subject>Health insurance</dc:subject>
          <dc:subject>insurance regulation</dc:subject>
          <dc:subject>Article 10 LCS</dc:subject>
          <dc:subject>consumer protection</dc:subject>
          <dc:description>&lt;p dir="ltr"&gt;&lt;i&gt;This dataset accompanies "When the Whole System Improves: Health Insurance Complaints to Spain's DGSFP, 2020-2024" (SSRN preprint, Juliette Lefebvre). It contains five hand-transcribed tables built from t&lt;/i&gt;&lt;i&gt;he DGSFP's (Dirección General de Seguros y Fondos de Pensiones) annual Memoria del Servicio de Reclamaciones reports, 2020–2024, published as PDF only with no structured-data equivalent available.&lt;/i&gt;&lt;/p&gt;&lt;p dir="ltr"&gt;T&lt;i&gt;he tables cover: (1) health insurance complaint reasons as a share of total complaints by year, (2) the same data converted to raw counts to correct for a shifting denominator, (3) health insurance &lt;/i&gt;&lt;i&gt;outcome splits (favorable to claimant / entity / other) by year, (4) a cross-branch comparison of all ten insurance branches the DGSFP tracks, used as a control to test whether health insurance's outcome&lt;/i&gt; &lt;i&gt;trend is branch-specific or system-wide, and (5) total resolved complaints by year across all branches, included as a transcription-accuracy check — the ten branch-level counts underlying table 4 sum&lt;/i&gt; &lt;i&gt;exactly to this reported total in every year.&lt;/i&gt;&lt;/p&gt;&lt;p dir="ltr"&gt;&lt;i&gt;Transcribed by hand from the official DGSFP reports (dgsfp.mineco.gob.es); source URLs for each year's report are included in the accompanying paper's references. Shared to make the analysis fully&lt;/i&gt; &lt;i&gt;reproducible, since no machine-readable version of this data exists elsewhere.&lt;/i&gt;&lt;/p&gt;</dc:description>
          <dc:date>2026-09-13T14:37:38Z</dc:date>
          <dc:type>Dataset</dc:type>
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          <dc:identifier>10.6084/m9.figshare.33704680.v1</dc:identifier>
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          <dc:rights>CC BY 4.0</dc:rights>
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