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Planes Mínimos Obligatorios en Mercados de Seguros de Salud Segmentados

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Abstract

El objetivo de este trabajo es analizar los posibles determinantes a nivel individual del uso del seguro contra pérdida de ingreso por enfermedades comunes -no profesionales- o sistema de “licencias médicas”, como es comúnmente conocido en Chile. Para ello se trabaja con una encuesta ad-hoc realizada a beneficiarios cotizantes del sistema en la ciudad de Santiago. Los resultados obtenidos son consistentes con la literatura internacional y la teoría económica. Ellos permiten identificar variables que afectan el uso del seguro que serían indicativas de un uso ilegal del mismo, otras que son indicativas de problemas de cobertura del seguro y otras que directamente desnudan un diseño ineficiente del seguro para controlar problemas de riesgo moral. Los hallazgos de la investigación se traducen en propuestas para reformar este seguro haciendo compatibles consideraciones de eficiencia y equidad.

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Bibliographic Info

Paper provided by Ilades-Georgetown University, Universidad Alberto Hurtado/School of Economics and Bussines in its series ILADES-Georgetown University Working Papers with number inv251.

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Length: 37 pages
Date of creation: Jun 2010
Date of revision:
Handle: RePEc:ila:ilades:inv251

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Keywords: Ausentismo Laboral; Riesgo Moral; Seguros por enfermedades comunes.;

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  1. Askildsen, Jan Erik & Bratberg, Espen & Nilsen, Øivind Anti, 2002. "Unemployment, labour force composition and sickness absence. A panel data study," Working paper Series 0205, Department of Economics, University of Bergen.
  2. Nicolas R. Ziebarth & Martin Karlsson, 2009. "A Natural Experiment on Sick Pay Cuts, Sickness Absence, and Labor Costs," SOEPpapers on Multidisciplinary Panel Data Research 244, DIW Berlin, The German Socio-Economic Panel (SOEP).
  3. Ziebarth, Nicolas R. & Karlsson, Martin, 2013. "The Effects of Expanding the Generosity of the Statutory Sickness Insurance System," IZA Discussion Papers 7250, Institute for the Study of Labor (IZA).
  4. Maria De Paola & Valeria Pupo & Vincenzo Scoppa, 2009. "Absenteeism In The Italian Public Sector: The Effects Of Changes In Sick Leave Compensation," Working Papers 200916, Università della Calabria, Dipartimento di Economia, Statistica e Finanza (Ex Dipartimento di Economia e Statistica).
  5. Georges Dionne & Benoit Dostie, 2007. "New Evidence on the Determinants of Absenteeism Using Linked Employer-Employee Data," Industrial and Labor Relations Review, ILR Review, Cornell University, ILR School, vol. 61(1), pages 108-120, October.
  6. Rigmar Osterkamp & Oliver Röhn, 2007. "Being on Sick Leave: Possible Explanations for Differences of Sick-leave Days Across Countries," CESifo Economic Studies, CESifo, vol. 53(1), pages 97-114, March.
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