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Pre-welfare state p...
Pre-welfare state provision and adverse selection : enrolment in a Swedish nationwide health insurance society
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- Andersson, Lars Fredrik, Docent, 1974- (author)
- Umeå universitet,Enheten för demografi och åldrandeforskning (CEDAR),Enheten för ekonomisk historia
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- Liselotte, Eriksson, 1978- (author)
- Umeå universitet,Umeå centrum för genusstudier (UCGS),Enheten för demografi och åldrandeforskning (CEDAR)
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- Lilljegren, Josef (author)
- Faculty of Economics and Business, Groningen University, the Netherland
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(creator_code:org_t)
- 2022-12-12
- 2023
- English.
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In: Financial History Review. - : Cambridge University Press. - 0968-5650 .- 1474-0052. ; 30:1, s. 74-99
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Abstract
Subject headings
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- Mutual benefit societies evolved as the major provider for sickness, accident and life insurance in the late nineteenth and early twentieth centuries on both sides of the Atlantic. One of the major problems facing insurers was the risk of adverse selection, i.e. that unhealthy individuals had more incentives than healthy individuals to insure when priced for the average risk. By empirically examining whether longevity among insured individuals in a nationwide mutual health society was different from a matched sample of uninsured individuals, we seek to identify the presence of adverse selection. We find no compelling evidence showing that unhealthy individuals were more likely to insure, or reasons to believe that problems related to adverse selection would have been a major reason for government intervention in the health insurance market in Sweden.
Subject headings
- SAMHÄLLSVETENSKAP -- Ekonomi och näringsliv -- Ekonomisk historia (hsv//swe)
- SOCIAL SCIENCES -- Economics and Business -- Economic History (hsv//eng)
- SAMHÄLLSVETENSKAP -- Ekonomi och näringsliv -- Nationalekonomi (hsv//swe)
- SOCIAL SCIENCES -- Economics and Business -- Economics (hsv//eng)
Keyword
- adverse selection
- mutual benefit societies
- life insurance
- Sweden
- health insurance societies
Publication and Content Type
- ref (subject category)
- art (subject category)
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