Health microinsurance in Brazil: is it feasible? created by Stephanie Neves Martins and Luís Eduardo Afonso

By:

Martins, Stephanie Neves [author]

Contributor(s):

Afonso, Luís Eduardo [co-author]

Material type: Text

TextSeries: Enterprise Development and Microfinance ; Volume 27, number 2United Kingdom: Practical Action Publishing 2016Content type:

text

Media type:

unmediated

Carrier type:

volume

ISSN:

17551978

Subject(s):

Health microinsurance -- Income -- Brazi -- Brazil

LOC classification:

HG178.3 ENT

Online resources:

Click here to access online

Abstract: The paper analyses the viability of health microinsurance in Brazil, through the calculation of premiums for various coverages. An original database was used with the microdata of an insurance company with 188,631 individuals. We used three criteria of choice of medical procedures: (a) frequency; (b) combined frequency and severity; and (c) elective and emergency consultations and low complexity examinations. The results indicate that the criterion (c) produced the lowest premiums, for all age groups. But this criterion only includes low complexity procedures and elective and emergency consultations. Some important high severity risks are not included, which can reduce the role of this type of microinsurance in reducing vulnerability and providing protection to low-income people.

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Holdings
Item type	Current library	Call number	Vol info	Copy number	Status	Notes	Date due	Barcode
Journal Article	Main Library - Special Collections	HG178.3 ENT (Browse shelf(Opens below))	Vol. 27, no. 2 (pages 155-172)	SP26285	Not for loan	For in house use

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The paper analyses the viability of health microinsurance in Brazil, through the calculation of premiums for various coverages. An original database was used with the microdata of an insurance company with 188,631 individuals. We used three criteria of choice of medical procedures: (a) frequency; (b) combined frequency and severity; and (c) elective and emergency consultations and low complexity examinations. The results indicate that the criterion (c) produced the lowest premiums, for all age groups. But this criterion only includes low complexity procedures and elective and emergency consultations. Some important high severity risks are not included, which can reduce the role of this type of microinsurance in reducing vulnerability and providing protection to low-income people.

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