المستودع الأكاديمي جامعة المدينة

Social policy in economic development: The case of health and old age insurance

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dc.creator Thiele, Rainer
dc.date 1997
dc.date.accessioned 2013-10-16T06:09:05Z
dc.date.available 2013-10-16T06:09:05Z
dc.date.issued 2013-10-16
dc.identifier http://hdl.handle.net/10419/955
dc.identifier ppn:22778622X
dc.identifier.uri http://koha.mediu.edu.my:8181/xmlui/handle/10419/955
dc.description This paper analyzes possible justifications for government interventions in health and old age insurance and illustrates the theoretical considerations by the case of Chile where a comprehensive social sector reform took place in the 1980s. It is shown that health insurances can suffer from adverse selection and risk selection as well as from moral hazard. In dealing with adverse selection and risk selection, governments can choose between social insurance and regulated private insurance, depending on the relative weight given to equity and efficiency. The problem of moral hazard can be diminished by various supply and demand side cost-sharing devices. With respect to old age security, the case for the system of forced savings prevailing worldwide mainly relies on the hypothesis that people tend to undersave for retirement. Among the possible pension schemes, funded systems are likely to have advantages over PAYG systems in that they improve efficiency.
dc.language eng
dc.publisher Kiel Institute for the World Economy (IfW) Kiel
dc.relation Kiel Working Papers 811
dc.rights http://www.econstor.eu/dspace/Nutzungsbedingungen
dc.subject ddc:330
dc.subject Krankenversicherung
dc.subject Gesundheitsreform
dc.subject Adverse Selection
dc.subject Moral Hazard
dc.subject Gesundheitskosten
dc.subject Welt
dc.subject Entwicklungsländer
dc.subject Chile
dc.title Social policy in economic development: The case of health and old age insurance
dc.type doc-type:workingPaper


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