Pure versus mutual health insurance : evidence from Swedish historical data

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MAP20071505334

Nekby, Lena

Pure versus mutual health insurance : evidence from Swedish historical data / Lena Nekby

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

En: The Journal of risk and insurance. - Orlando. - Volume 71, number 1, March 2004 ; p. 115-134

1. Suecia . 2. Mutualidades de seguros . 3. Seguro de enfermedad . 4. Coberturas . I. Title. II. Título: The Journal of risk and insurance.