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Ausentismo y producción: el esquema de ajuste de primas por siniestralidad observada aplicado al seguro de salud en Francia

Author

Listed:
  • Sébastien Ménard

    (GAINS - Groupe d'Analyse des Itinéraires et des Niveaux Salariaux - UM - Le Mans Université)

  • Coralia Quintero Rojas

    (Universidad de Guanajuato)

Abstract

En este trabajo se analizan los efectos de la introducción de un esquema de ajuste (experience rating) en las contribuciones patronales al seguro de salud. Para ello, se desarrolla un modelo de búsqueda y emparejamiento en un mercado de trabajo segmentado. En el segmento donde los empleos son más riesgosos, las ausencias por enfermedad son más frecuentes y la producción media es más baja. El modelo es calibrado para Francia y los resultados de las simulaciones muestran que la introducción de este esquema mejora levemente la producción y el empleo. En términos cuantitativos, una variación del 1 % en la tasa de experience rating induce una reducción de 0,48 % en la duración del desempleo y de 1,07 % en los días de ausencia, así como un aumento de 0,1 % en la producción. Finalmente, se encuentra que esta política conduce también a un desempeño económico ligeramente mejor que la privatización del seguro de salud.

Suggested Citation

  • Sébastien Ménard & Coralia Quintero Rojas, 2018. "Ausentismo y producción: el esquema de ajuste de primas por siniestralidad observada aplicado al seguro de salud en Francia," Post-Print hal-03027538, HAL.
    • Handle: RePEc:hal:journl:hal-03027538
    DOI: 10.17533/udea.le.n88a01
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    References listed on IDEAS

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    More about this item

    Keywords

    seguro médico; producción; modelos de búsqueda y emparejamiento; ajuste de primas por siniestralidad;
    All these keywords.

    JEL classification:

    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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