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Dispersión de precios en la industria de seguros sanitarios privados

Author

Listed:
  • 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

Suggested Citation

  • Oliva, Martí & Carles Lavila, Misericòrdia, 2009. "Dispersión de precios en la industria de seguros sanitarios privados," Working Papers 2072/15845, Universitat Rovira i Virgili, Department of Economics.
    • Handle: RePEc:urv:wpaper:2072/15845
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    File URL: http://hdl.handle.net/2072/15845
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