Pure versus mutual health insurance : evidence from Swedish historical data

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      <subfield code="a">Pure versus mutual health insurance</subfield>
      <subfield code="b">: evidence from Swedish historical data</subfield>
      <subfield code="c">Lena Nekby</subfield>
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      <subfield code="a">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</subfield>
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      <subfield code="a">Mutualidades de seguros</subfield>
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      <subfield code="a">Seguro de enfermedad</subfield>
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      <subfield code="a">Coberturas</subfield>
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      <subfield code="a">The Journal of risk and insurance</subfield>
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      <subfield code="t">The Journal of risk and insurance</subfield>
      <subfield code="d">Orlando</subfield>
      <subfield code="g">Volume 71, number 1, March 2004 ;  p. 115-134</subfield>