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Insurance as a Product of National Values*

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  • Geert Hofstede

Abstract

An insurance is an immaterial product that is valued subjectively by its recipients. The way this is done depends on the values that dominate in a certain society, values that have come into being through the years. In this article the dominant values of the Netherlands and of a number of other relevant countries are being compared and are being linked with national insurance systems. Three important values are solidarity, independence and predictability. Because of the influence national values exert, there are limits to the extent to which insurance systems can be imported and exported. This obviously has consequences for the role of the European Union

Suggested Citation

  • Geert Hofstede, 1995. "Insurance as a Product of National Values*," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 20(4), pages 423-429, October.
  • Handle: RePEc:pal:gpprii:v:20:y:1995:i:4:p:423-429
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    Cited by:

    1. van Exel, Job & Baker, Rachel & Mason, Helen & Donaldson, Cam & Brouwer, Werner, 2015. "Public views on principles for health care priority setting: Findings of a European cross-country study using Q methodology," Social Science & Medicine, Elsevier, vol. 126(C), pages 128-137.
    2. J. François Outreville, 2011. "The relationship between insurance growth and economic development - 80 empirical papers for a review of the literature," ICER Working Papers 12-2011, ICER - International Centre for Economic Research.
    3. Kjell Sümegi & Peter Haiss, "undated". "The Relationship of Insurance and Economic Growth - a Theoretical and Empirical Analysis," EcoMod2006 272100091, EcoMod.
    4. repec:rss:jnljef:v1i3p3 is not listed on IDEAS
    5. J. François Outreville, 2015. "The Relationship Between Relative Risk Aversion And The Level Of Education: A Survey And Implications For The Demand For Life Insurance," Journal of Economic Surveys, Wiley Blackwell, vol. 29(1), pages 97-111, February.
    6. J. Francois Outreville, 2014. "Risk Aversion, Risk Behavior, and Demand for Insurance: A Survey," Journal of Insurance Issues, Western Risk and Insurance Association, vol. 37(2), pages 158-186.

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