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Una aproximación de los precios hedónicos al seguro privado de enfermedad en España = A Hedonic Price Approach to the Health Private Insurance in Spain

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  • Ordaz Sanz, José Antonio

    ()
    (Department of Quantitative Methods for Economics and Business Administration, Universidad Pablo de Olavide)

  • Murillo Fort, Carles

    ()
    (Departamento de Ciencias Experimentales y de la Salud; CRES; ORLA-UPF. Universitat Pompeu Fabra)

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    Abstract

    El seguro privado de enfermedad constituye uno de los principales ramos de la actividad aseguradora de los países desarrollados. En España, en el año 2005, representa el 8,84% del total de primas emitidas de seguro directo. Pero su importancia reside no solo en su papel en el mercado financiero, sino también en el ámbito de la sanidad. El análisis de cualquier aspecto relativo a este sector económico concita, por tanto, un indudable interés. Este trabajo se centra en el estudio de los precios de las pólizas del seguro privado de enfermedad. La metodología que se ha utilizado para este fin es la relativa a la teoría de los precios hedónicos, que permite considerar, junto a las variables de carácter personal de los asegurados, las distintas prestaciones que pueden incluir las pólizas a la hora de analizar sus precios. La significatividad de variables, como las referidas a la cobertura de asistencia psicológica o de gastos de determinadas prótesis, sugiere que este enfoque resulte, en principio, idóneo para abordar esta cuestión = The private health insurance is one of the most important sectors of the insurance industry in the developed countries. In Spain, in 2005, this activity means 8.84% of the emitted premiums of the whole direct insurance. However, its importance relies not only on the financial market but on the medical field as well. So the analysis of any aspect related to this economic sector has, with no doubt, a great interest. This work is focused on the study of the prices of the private health insurance policies. The methodology we have used is based on the hedonic price theory. This perspective allows to take into consideration the benefits that policies have, in order to study the fixing process of prices, in addition to the personal features of the policyholders. The significance of variables such as the psychological assistance or the coverage of some prosthesis suggests that this approach could be appropriate to analyse this issue.

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    Bibliographic Info

    Article provided by Universidad Pablo de Olavide, Department of Quantitative Methods for Economics and Business Administration in its journal Revista de Métodos Cuantitativos para la Economía y la Empresa = Journal of Quantitative Methods for Economics and Business Administration.

    Volume (Year): 2 (2006)
    Issue (Month): 1 (December)
    Pages: 109-124

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    Handle: RePEc:pab:rmcpee:v:2:y:2006:i:1:p:109-124

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    Related research

    Keywords: seguro privado de enfermedad; teoría de precios hedónicos; health private insurance; hedonic price theory;

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