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

By: Contributor(s): Material type: TextTextSeries: 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): LOC classification:
  • HG178.3 ENT
Online resources: 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 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

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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