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• W64300973 abstract "With increasing interest from commercial players in developing insurance markets to meet the needs of low-income people, efforts to find sustainable products have expanded rapidly yet remain elusive. This is particularly true in the domain of health insurance, where the general challenges of offering voluntary private health insurance are often exacerbated by poor underlying health services and a lack of public health programs. In an effort to identify new opportunities, we analyze a rich data set from Pakistan to understand the influence of pregnancy on adverse selection and overall profitability of a micro health insurance product that is similar in design to others micro insurance products. Our results indicate that pregnancy-related benefits account for a significant source of claim counts and loss payments. We also find evidence of extensive adverse selection related to pregnancy claims, indicating significant take up by those who know they are pregnant prior to enrollment. Furthermore, households with only pregnancy claims tend to renew at lower rates than do households with other acute or chronic claims. We estimate that excluding coverage for pregnancy from market-based products, supplemented by government provision of maternity care may offer an avenue towards sustainability." @default.
• W64300973 created "2016-06-24" @default.
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• W64300973 date "2014-01-01" @default.
• W64300973 modified "2023-09-27" @default.
• W64300973 title "Adverse Selection in Emerging Health Insurance Markets: Evidence from Microinsurance in Pakistan" @default.
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• W64300973 doi "https://doi.org/10.2139/ssrn.2425130" @default.
• W64300973 hasPublicationYear "2014" @default.
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