Microinsurance in limiting insurance exclusion
نویسندگان
چکیده
منابع مشابه
Microinsurance: innovations in low-cost health insurance.
Microinsurance--low-cost health insurance based on a community, cooperative, or mutual and self-help arrangements-can provide financial protection for poor households and improve access to health care. However, low benefit caps and a low share of premiums paid as benefits--both designed to keep these arrangements in business--perversely limited these schemes' ability to extend coverage, offer f...
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The paper reviews attempts to provide insurance against risks afflicting the poorest. It presents empirical evidence on the impact of different types of microinsurance, and recommends the idea of ‘quasi-insurance’—the provision of insurance functions through a non-insurance route—where institutional or regulatory constraints prevent insurance proper from being offered. The paper argues that mic...
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Mutual insurance has been shown, theoretically and empirically, to be incomplete and limited by asymmetric information and lack of enforcement mechanisms. While some research has shown that networks based on kinship, neighbourhood and ethnicity may provide a locus of insurance and thus a way of overcoming these problems, these studies are not fine enough to predict the inclusion and exclusion o...
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Insurance for the poor, called microinsurance, has recently drawn the attention of practitioners in developing countries. However, there are common problems among the various schemes: (1) low take-up rates, (2) high claim rates, and (3) low renewal rates. In this paper, we investigate take-up decisions using household data collected in Karnataka, India, especially focusing on prospect theory, h...
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ژورنال
عنوان ژورنال: European Journal of Service Management
سال: 2018
ISSN: 2450-8535
DOI: 10.18276/ejsm.2018.28/2-07