Scandinavian Working Papers in Economics

Research Papers in Economics,
Stockholm University, Department of Economics

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

Lena Nekby
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Lena Nekby: FIEF, Postal: FIEF, Wallingatan 38, SE-111 24 Stockholm, Sweden

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

JEL-codes: G22; I18; N23

34 pages, September 10, 2001

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