The Effect of microinsurance on the insurance market : evidence from Taiwan

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<title>Effect of microinsurance on the insurance market</title>
<subTitle>: evidence from Taiwan</subTitle>
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<namePart>Hsu, Hsiu-Hao </namePart>
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<abstract displayLabel="Summary">Microinsurance is one of the fastest growing new markets for the billions at the bottom of the financial pyramid-low income customers previously precluded from traditional insurance. Will insurers really benefit from serving a larger amount of customers? This paper attempts to provide answers by examining the performance of life insurers in Taiwan. Our results show that microinsurance dummy variables are negatively related to efficiency scores and premium income in both OLS  and Tobit models. Providing microinsurance products and reduce market demand for traditional insurance. The efficiency and premium income of traditional insurers will decrease if the price of microinsurance is regulated at marginal cost.</abstract>
<note type="statement of responsibility">Shirley J. Ho, Hsiu-Hao Hsu</note>
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<topic>Microseguros</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080586294">
<topic>Mercado de seguros</topic>
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<topic>Empresas de seguros</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080570590">
<topic>Seguro de vida</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20120019256">
<geographic>Taiwan</geographic>
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<title>Geneva papers on risk and insurance : issues and practice</title>
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<publisher>Geneva : The Geneva Association, 1976-</publisher>
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<identifier type="issn">1018-5895</identifier>
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<text>01/01/2021 Volumen 46 Número 1 - enero 2021 , p. 130-145</text>
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