introduction: neglecting to define important criteria in developing a basic health insurance package and to notice their real roles will result in defining a package which is politically unacceptable, non-economical, technically inefficient or mixed of them. therefore development of basic health insurance package should be according to appropriate composition of influential criteria. this study...

Uninsured individuals receive fewer health care services for at least three reasons: higher prices, responsibility for the entire bill, and potential provider reductions for concern of nonpayment. This study isolates differences in service levels between insured and uninsured individuals that are attributed to different effective prices; the uninsured pay the bill without a contribution from an...

Several estimators have been suggested to tackle the problem of endogenous regressors and selectivity in count regression models. They differ in the structure and the degree of parametrization of the underlying models. The estimation of health services utilization conditional on the choice of different forms of health insurance provides a classical example of such problems. In Switzerland, basi...

This paper summarises the findings of a series of articles which evaluate the impact of State-implemented voluntary health insurance (VHI) on the Vietnamese health system. The results are generally positive with clear equity gains in terms of utilisation and expenditures, and no evidence of consumer moral hazard. However VHI appears to negatively affect the quality of care, which patients trade...

the main logic behind the demand for life insurance is to hedge against the labor income uncertainty due to premature death of a wage earner. in other words, life insurance is the device by which this labor income uncertainty is handled. for insurers, the uncertainty arises from the lack of knowledge about the age of death of the wage earner. this paper attempts to derive life insurance demand ...

This paper examines the characteristics that determine demand for micro-insurance when individuals have personal or observed experience with a rare weather event: the severe 2010 flooding in Pakistan. Using a sample of 384 individuals (192 in floodaffected and 192 non-affected villages matched using pre-flood propensity data), we combine post-flood survey data with behavioral experiments, to te...

The existence of sufficient demand for insurance coverage against infrequent losses is important for the adequate function of insurance markets for natural disaster risks. This study investigates how characteristics of flood risk influence household flood insurance demand based on household surveys undertaken in Germany and the Netherlands. Our analyses confirm the hypothesis that willingness t...

BACKGROUND Asymmetric information is one of the most important issues in insurance market which occurred due to inherent characteristics of one of the agents involved in insurance contracts; hence its management requires designing appropriate policies. This phenomenon can lead to the failure of insurance market via its two consequences, namely, adverse selection and moral hazard. OBJECTIVE Th...