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Pure Versus Mutual Health Insurance: Evidence From Swedish Historical Data

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  • Lena Nekby

Abstract

Using data from voluntary Swedish health insurance societies 1902‐1910, this article 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. On average, mutual insurance societies are found to be larger and to offer greater insurance coverage per member. 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 greater longevity.

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  • Lena Nekby, 2004. "Pure Versus Mutual Health Insurance: Evidence From Swedish Historical Data," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 71(1), pages 115-134, March.
    • Handle: RePEc:bla:jrinsu:v:71:y:2004:i:1:p:115-134
    DOI: 10.1111/j.0022-4367.2004.00081.x
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    Cited by:

    1. Renaud Bourlès, 2006. "How Can Insurance Companies Compete With MutualInsurers? The Role of Commitment," Working Papers halshs-00410765, HAL.
    2. Antti Talonen & Harri Talonen & Jari Stenvall & Iiro Jussila, 2020. "Communicating the economic value of customer ownership in insurance: A qualitative analysis of annual reports," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 23(3), pages 243-267, September.
    3. Luigi Buzzacchi & Gilberto Turati, 2009. "Collective Risks in Local Administrations: Can a Private Insurer Be Better than a Public Mutual Fund?," Working papers 03, Former Department of Economics and Public Finance "G. Prato", University of Torino.
    4. Hongyun Han & Ye Jiang, 2019. "Systemic Risks of Climate Events and Households’ Participation in Mariculture Mutual Insurance: A Case Study of Shrimp Producers in Zhejiang Province," Sustainability, MDPI, vol. 11(4), pages 1-24, February.
    5. repec:tur:wpaper:3 is not listed on IDEAS

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