| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w14095 |
| 来源ID | Working Paper 14095 |
| Is There a Market for Voluntary Health Insurance in Developing Countries? | |
| Mark Pauly; Fredric E. Blavin; Sudha Meghan | |
| 发表日期 | 2008-06-19 |
| 出版年 | 2008 |
| 语种 | 英语 |
| 摘要 | In many developing countries the proportion of health care spending paid out of pocket is about half of all spending or more. This study examines the distribution of such spending by income and care type, and the variation in spending about its expected value, in order to see whether voluntary private health insurance that reduces variation in spending might be able to be supplied. Using data from the World Health Survey for 14 developing countries, we find that out of pocket spending varies by income but that most spending usually occurs in income quintiles below the topmost quintile. We use estimates of the variance of total spending, hospital spending, physician spending, and outpatient drug spending about their means to generate estimates of the risk premia risk averse consumers might pay for insurance coverage. For hospital spending and total spending, these risk premia as a percent of expenses are generally larger than reasonable estimates of private health insurer loading as a percent of expenses, suggesting that voluntary insurance might be feasible. However, the strong relationship between spending and income suggests that insurance markets may need to be segmented by income. |
| 主题 | Health, Education, and Welfare ; Health |
| URL | https://www.nber.org/papers/w14095 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/571771 |
| 推荐引用方式 GB/T 7714 | Mark Pauly,Fredric E. Blavin,Sudha Meghan. Is There a Market for Voluntary Health Insurance in Developing Countries?. 2008. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w14095.pdf（113KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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