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.
34 pages, September 10, 2001
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