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Theoretical And Practical Approach Regarding Density And Penetration Insurance On Accident & Health Premiums


  • Fekete Szilveszter


  • Sucala Lucia


  • Radulescu Gentiana
  • Oprean Delia


In this paper is realized an theoretical and empirical approach regarding density and penetration on accident & health premiums. The analysis is performed on a sample of 33 countries and a horizon of 5 years (2004, 2005, 2006, 2007 and 2008), being tested 2 linear regression models. The results of study confirm a relationship between level of economic development and accident & health insurance activity insurance, but exclude the existence of the relationship between penetration factor and this type of insurance.

Suggested Citation

  • Fekete Szilveszter & Sucala Lucia & Radulescu Gentiana & Oprean Delia, 2010. "Theoretical And Practical Approach Regarding Density And Penetration Insurance On Accident & Health Premiums," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 1(1), pages 351-356, July.
  • Handle: RePEc:ora:journl:v:1:y:2010:i:1:p:351-356

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    References listed on IDEAS

    1. Jessica Vistnes & Michael Morrisey & Gail Jensen, 2006. "Employer choices of family premium sharing," International Journal of Health Economics and Management, Springer, vol. 6(1), pages 25-47, March.
    2. Dumitru G. Badea & Laura Elly Novac, 2008. "Romanian Insurance Market Facing Globalization Process," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania - AGER, vol. 9(9(526)), pages 61-68, September.
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    More about this item


    insurance; accident & health premiums; density; penetration;

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • H51 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Health
    • H89 - Public Economics - - Miscellaneous Issues - - - Other


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