Application of reduced social welfare functions for estimating household insurance expenditures in Poland

Due to the role of insurance in economy, factors determining demand for (e.g. income) have been subject many studies. On other hand, income inequalities significantly affect purchasing decisions and perception among individuals. The aim this study is verify relationship between social welfare expenditure. This verification was carried out on basis data various socio-economic groups Poland by using reduced functions such as: Sen Index, Kakwani Dagum indexes ‘naïve’ function (income). As part research, a linear regression applied dependent variable (average monthly expenses per 1 person households groups) explanatory (reduced functions) given group. Reduced determined average disposable capita Gini coefficient Social form turned be statistically better predictor expenditure than itself with relatively small disparities (low coefficient). For group farmers Poland, where disproportions were largest, predictor.