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首页> 外文期刊>The journal of risk and insurance >THE ROLE OF PREGNANCY IN MICRO HEALTH INSURANCE: EVIDENCE OF ADVERSE SELECTION FROM PAKISTAN
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THE ROLE OF PREGNANCY IN MICRO HEALTH INSURANCE: EVIDENCE OF ADVERSE SELECTION FROM PAKISTAN

机译：怀孕在微健康保险中的作用：巴基斯坦的不良选择证据

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摘要

With increasing interest from commercial players in developing insurance markets to meet the needs of low-income people, efforts to find sustainable products have expanded rapidly yet remain elusive. This is particularly true in the domain of health insurance, where the general challenges of offering voluntary private health insurance are often exacerbated by poor underlying health services and a lack of public health programs. In an effort to identify new opportunities to expand health insurance protection to underserved markets, we analyze a rich data set from a micro health insurance program in Pakistan. Observing that pregnancy-related care accounts for 40 percent of all claims and 36 percent of the total claims amount, we focus much of our attention on understanding the role of pregnancy in micro health insurance. We find evidence of extensive adverse selection related to pregnancy claims, both with regard to original coverage purchase and with regard to renewal. In many countries, pregnancy health care is provided by or paid for by the government. We encourage consideration of this possibility, leaving the remaining health care needs for market-based health insurance.
机译：随着商业参与者对发展保险市场以满足低收入人群需求的兴趣日益浓厚，寻找可持续产品的努力迅速扩大，但仍然难以实现。在医疗保险领域尤其如此，因为提供基本的私人医疗服务和缺乏公共卫生计划常常加剧了提供自愿性私人医疗保险的一般挑战。为了寻找新的机会，将健康保险的保护范围扩大到服务不足的市场，我们分析了来自巴基斯坦微型健康保险计划的丰富数据集。观察到与怀孕相关的护理占所有索赔的40％，占总索赔额的36％，因此我们将大部分精力集中在理解怀孕在微健康保险中的作用。我们发现有证据表明，无论是在购买原始保险和续签方面，都有大量与怀孕索赔相关的不利选择。在许多国家，妊娠保健服务由政府提供或由政府支付。我们鼓励考虑这种可能性，将剩余的医疗保健需求留给基于市场的医疗保险。

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  • 来源
    《The journal of risk and insurance》 |2017年第4期|1073-1102|共30页
  • 作者

    Yao Yi; Schmit Joan T.; Sydnor Justin R.;

  • 作者单位

    Peking Univ, Sch Econ, Dept Risk Management & Insurance, 5 Yiheyuan Rd, Beijing 100871, Peoples R China;

    Univ Wisconsin, Wisconsin Sch Business, Dept Actuarial Sci Risk Management & Insurance, 975 Univ Ave, Madison, WI 53706 USA;

    Univ Wisconsin, Wisconsin Sch Business, Dept Actuarial Sci Risk Management & Insurance, 975 Univ Ave, Madison, WI 53706 USA;

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