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The role of insurance in social protection

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  • Titelman Kardonsky, Daniel
  • Uthoff, Andras

Abstract

Social protection systems have to cope with large discrepancies between the financing needed to cover demand and the resources actually available. For this reason, it is necessary for any reform proposal to include elements of cost restraint as well as measures to increase the population coverage of systems. Efficiency and solidarity must improve together if progress is to be made towards universality of benefits. Any reform strategy needs to consider not only the financial constraints imposed by the macroeconomy, but also the heavy drain on financial resources and the effects on the fiscal accounts that may result from whatever scheme is chosen owing to the amount and volume of benefits, the limited scope for funding them out of contributions, and the need for redistributive financing. This article looks at various approaches to social security finance reform, involving new and different public-private mixes.

Suggested Citation

  • Titelman Kardonsky, Daniel & Uthoff, Andras, 2003. "The role of insurance in social protection," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), December.
    • Handle: RePEc:ecr:col070:10989
    Note: Includes bibliography
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    References listed on IDEAS

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    1. Tokman, Víctor E., 2003. "Hacia una visión integrada para enfrentar la inestabilidad y el riesgo," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), December.
    2. Fox, M. Louise & Palmer, Edward, 2001. "Pension reform in Europe in the 90's and lessons for Latin America," Financiamiento para el Desarrollo 5092, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL).
    3. -, 2000. "Ensayos sobre el financiamiento de la seguridad social en salud: los casos de Estados Unidos, Canadá, Argentina, Chile y Colombia," Copublicaciones, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), number 1590 edited by Cepal.
    4. Rodrik, Dani, 1999. "Where Did All the Growth Go? External Shocks, Social Conflict, and Growth Collapses," Journal of Economic Growth, Springer, vol. 4(4), pages 385-412, December.
    5. Uthoff, Andras, 2002. "Labour markets and pension systems," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), December.
    6. Titelman Kardonsky, Daniel & Uthoff, Andras, 2000. "El mercado de la salud y las reformas al financiamiento de los sistemas de salud," Copublicaciones, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), number 1591.
    7. Uthoff, Andras & Bravo, Jorge Horacio, 1999. "Transitional fiscal costs and demographic factors in shifting from unfunded to funded pensions in Latin America," Financiamiento para el Desarrollo 5295, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL).
    8. -, 2002. "Preliminary Overview of the Economies of Latin America and the Caribbean 2002," Balance Preliminar de las Economías de América Latina y el Caribe, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), number 958 edited by Eclac.
    9. Robert Holzmann, 1997. "Fiscal Alternatives of Moving from Unfunded to Funded Pensions," OECD Development Centre Working Papers 126, OECD Publishing.
    10. Holzmann, Robert, 1997. "On economic benefits and fiscal requirements of moving from unfunded to funded pensions," Financiamiento para el Desarrollo 5250, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL).
    11. Tokman, Víctor E., 2003. "Hacia una visión integrada para enfrentar la inestabilidad y el riesgo," Financiamiento para el Desarrollo 5108, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL).
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    Cited by:

    1. Ronald Eduardo Gómez Suárez, 2007. "Cream-Skimming And Risk Adjustment in Colombian Health Insurance System:: The Public Insurer Case," Archivos de Economía 4295, Departamento Nacional de Planeación.
    2. Torres, Miguel & Hofman, André A., 2008. "ECLAC thinking in the CEPAL Review (1976-2008)," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), December.

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