Scandinavian Working Papers in Economics
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Department of Economics, Stockholm University Research Papers in Economics, Department of Economics, Stockholm University

No 2001:10:
Pure vs. Mutual Sick Insurance Societies. Evidence from Swedish Historical Data

Lena Nekby

Abstract: Using data from voluntary Swedish sick insurance societies 1902-1910, this paper analyzes the coexistence of pure and mutual insurance societies where pure societies are characterized by charging ex ante premiums only while mutuals in addition charge ex post assessments.

Mutual insurance societies are found, on average, to be larger and to offer longer insurance coverage duration. 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 are on average, older.

Keywords: friendly societies; sick insurance; health insurance; (follow links to similar papers)

JEL-Codes: G22; I18; N23; (follow links to similar papers)

34 pages, September 10, 2001

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