Pure versus mutual health insurance : evidence from Swedish historical data

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<title>Pure versus mutual health insurance</title>
<subTitle>: evidence from Swedish historical data</subTitle>
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<title>The Journal of risk and insurance</title>
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<abstract>Using data from voluntary health insurance societies 1902-1910, this article analyzes coexistence of pure and mutual insurance societies where pure societies are characterized by charging an ex ante premiums only while mutuals in addition charge ex post assessments. On average, mutual insurance societies are found to be larger and to offer greater insurance coverage per member. Pure insurance societies have, on average, higher insurance coverage  per day, greater mean levels of moral hazard controls , a higher mean number of policy categories, and greater longevity</abstract>
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<topic>Seguro de enfermedad</topic>
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<text>Volume 71, number 1, March 2004 ;  p. 115-134</text>
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