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Dispersión de precios en la industria de seguros sanitarios privados

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  • Oliva, Martí
  • Carles Lavila, Misericòrdia

Abstract

Presentamos un modelo de diferenciación vertical y horizontal de productos que explica la dispersión de precios de la industria de seguros sanitarios con prestación de servicios en España. El modelo capta la competencia en precios de grandes aseguradoras con pequeñas mutualidades de ámbito local y establece que las primeras cargan, en general, primas mayores. También obtenemos que, aunque el mercado permite la entrada de un número excesivo de empresas, la presencia de aseguradoras de ámbito local aumenta el bienestar social, al completar la gama de productos disponibles por los consumidores, a partir de unos reducidos costes de entrada en la industria. Organización industrial, seguros sanitarios, economía de la salud

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File URL: http://hdl.handle.net/2072/15845
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Bibliographic Info

Paper provided by Universitat Rovira i Virgili, Department of Economics in its series Working Papers with number 2072/15845.

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Date of creation: 2009
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Handle: RePEc:urv:wpaper:2072/15845

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Keywords: Organització industrial; Assegurances de malaltia; Economia de la salut; 338 - Situació econòmica. Política econòmica. Gestió; control i planificació de l'economia. Producció. Serveis. Turisme. Preus;

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