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Una Estimación de la Renta Económica en el Mercado de las Isapres en Chile

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Listed:
  • Simón Accorsi
  • Gino Sturla

Abstract

En el presente trabajo se estiman y analizan de manera conceptual y empíricamente coherente las rentas económicas en el sector Isapres Abiertas para el caso chileno en el período 2007-2017. Durante el período analizado las Isapres alcanzaron una rentabilidad promedio de 24%, cifra inusualmente elevada en comparación a otros sectores tanto a nivel nacional como internacional. En términos de renta económica esto significa utilidades extra normales en el rango de 407 y 516 mil millones para los tres escenarios considerados (CLP de septiembre 2018). En el caso del escenario medio (tasa de ganancia normal de 6%) el monto asciende a 462 mil millones, esto es, unos 42 mil millones anuales. De esta forma, es posible cuantificar la pérdida de eficiencia social debida, entre otras causas, a las asimetrías de información presentes en dicho mercado, a las barreras a la entrada y en general al uso del poder de mercado por parte de los aseguradores privados. Asimismo se revisan cualitativamente las causas posibles más importantes de dicha renta y se concluye con una serie de propuestas de políticas públicas que apuntan a un mejor funcionamiento en este mercado, entre las que se consideran (i) la existencia de planes mínimos garantizados, (ii) la implementación a cabalidad de un fondo de compensación y (iii) la posibilidad de complementar la cobertura con planes estandarizados.

Suggested Citation

  • Simón Accorsi & Gino Sturla, "undated". "Una Estimación de la Renta Económica en el Mercado de las Isapres en Chile," Working Papers wp491, University of Chile, Department of Economics.
    • Handle: RePEc:udc:wpaper:wp491
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    References listed on IDEAS

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    1. López, Ramón & Sturla Zerene, Gino, 2020. "Hyper-fortunes and the super-rich: why a wealth tax makes sense," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), December.

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