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Pure Versus Mutual Health Insurance: Evidence From Swedish Historical Data

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  • Lena Nekby

Abstract

Using data from voluntary Swedish health insurance societies 1902-1910, this article analyzes the coexistence of pure and mutual insurance societies where pure societies are characterized by charging "ex ante" premiums only while mutuals in addition charge "ex post" assessments. On average, mutual insurance societies are found to be larger and to offer greater insurance coverage per member. Pure insurance societies have, on average, higher insurance coverage per day, greater mean levels of moral hazard controls, a higher mean number of policy categories, and greater longevity. Copyright The Journal of Risk and Insurance.

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  • Lena Nekby, 2004. "Pure Versus Mutual Health Insurance: Evidence From Swedish Historical Data," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 71(1), pages 115-134.
  • Handle: RePEc:bla:jrinsu:v:71:y:2004:i:1:p:115-134
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    Cited by:

    1. Renaud Bourlès, 2006. "How Can Insurance Companies Compete With MutualInsurers? The Role of Commitment," Working Papers halshs-00410765, HAL.
    2. Luigi Buzzacchi & Gilberto Turati, 2009. "Collective Risks in Local Administrations: Can a Private Insurer Be Better than a Public Mutual Fund?," Working papers 03, Former Department of Economics and Public Finance "G. Prato", University of Torino.
    3. repec:tur:wpaper:3 is not listed on IDEAS

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