Research Papers in Economics, Department of Economics, Stockholm University
Pure vs. Mutual Sick Insurance Societies. Evidence from Swedish Historical Data
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
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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