nep-ias New Economics Papers
on Insurance Economics
Issue of 2013‒06‒30
six papers chosen by
Soumitra K Mallick
Indian Institute of Social Welfare and Business Management

  1. The Demand for Private Health Insurance: Do Waiting Lists Matter?” – Revisited By Meliyanni Johar; Glenn Jones; Michael P. Keane; Elizabeth Savage; Olena Stavrunova
  2. Does experience rating reduce disability inflow? By Juha Tuomala; Tomi Kyyrä
  3. Fulfillment of Maqasid al-Shariah via Takaful By Abdul Aziz, Ahmad Faizal; Mohamad, Shaifulfazlee
  4. Maternity Leave and the Responsiveness of Female Labor Supply to a Household Shock By Tominey, Emma
  5. Is Formal Employment Discouraged by the Provision of Free. Health Services to the Uninsured ? Evidence From a Natural Experiment in Mexico By Alejandro Del Valle
  6. Proven Strategies for Missouri Health Care Covergage: Program Outreach and Enrollment. By Sean Orzol

  1. By: Meliyanni Johar (University of Technology Sydney); Glenn Jones (University of Technology Sydney); Michael P. Keane (Nuffield College and Department of Economics, University of Oxford); Elizabeth Savage (University of Technology Sydney); Olena Stavrunova (University of Technology Sydney)
    Abstract: Besley, Hall and Preston (JPubEc, 1999) investigate how waiting for medical treatment in public hospitals influences the decision to buy private health insurance, which covers faster private treatment. They find sizable positive impacts which have subsequently been influential on waiting lists management policies. This paper re-examines this result, in particular the sensitivity to the use of waiting lists as a proxy for waiting times. It is found that waiting lists do not predict private health insurance demand, and that the impact of waiting time in motivating the purchase of insurance has been overstated.
    Keywords: health insurance, waiting time, waiting lists
    Date: 2013–06–13
  2. By: Juha Tuomala; Tomi Kyyrä
    Abstract: This study explores whether the experience rating of employers' disability insurance premiums affects the inflow of older employees to disability benefits in Finland. To identify the causal effect of experience rating, we exploit a pension reform that extended the coverage of the experience-rated premiums. The results show that a new disability benefit claim can cause substantial cost to the former employer through an increased premium. Nonetheless, we find no evidence of the significant effects of experience rating on the disability inflow. The lack of the behavioral effects may be due to the complexity of experience rating calculations and/or limited employer awareness.
    Keywords: Experience rating, disability insurance, early retirement
    JEL: H32 J16 J14
    Date: 2013–04–25
  3. By: Abdul Aziz, Ahmad Faizal; Mohamad, Shaifulfazlee
    Abstract: Protection is as important as other basic needs as it ensures the continuity of the fulfillment of the needs. The fulfillment from Islamic point of view can be categorised into five major areas as prescribed under the Maqasid al-Shariah. Protection can be achieved via Insurance, but it is not acceptable by Islam because of the element of riba, gharar, and maysir in it. Therefore, Takaful or Islamic Insurance is taken as alternative to achieve the same objective but with a different contract and via Shariah-compliant investment mechanism. This paper tries to connect Takaful and its features as a tool to fulfill the Maqasid al-Shariah.
    Keywords: Islamic Insurance, Takaful, Maqasid al-Shariah, Wealth Protection.
    JEL: G22 I00
    Date: 2013–05
  4. By: Tominey, Emma (University of York)
    Abstract: Female labor supply can insure households against shocks to paternal employment. The paper estimates whether the female labor supply response to a paternal employment shock differs by eligibility to maternity employment protection. We exploit time-state variation in the implementation of unpaid maternity leave through the Family and Medical Leave Act (FMLA) in the US which increased employment protection from 0 to 12 weeks. We find that mothers eligible for FMLA speed up their return to work in response to a paternal shock, with a conditional probability of being in work 53% higher than in households with no paternal shock. In contrast, there was a negligible insurance response for mothers with no employment protection.
    Keywords: female labor supply, insurance, maternity leave
    JEL: I30 J13 J20 J64
    Date: 2013–06
  5. By: Alejandro Del Valle (PSE - Paris-Jourdan Sciences Economiques - CNRS : UMR8545 - École des Hautes Études en Sciences Sociales [EHESS] - Ecole des Ponts ParisTech - Ecole normale supérieure de Paris - ENS Paris - Institut national de la recherche agronomique (INRA), EEP-PSE - Ecole d'Économie de Paris - Paris School of Economics - Ecole d'Économie de Paris)
    Abstract: This article analyzes whether the large scale provision of non-contributory health services encourages workers to move away from jobs that pay contributions to social security (formal employment). Using a difference-in-differences design, that exploits the variation generated by the municipal level roll-out of an intervention of this kind in Mexico, this paper finds that contemporaneous program exposure has no impact on the ratio of formal to total employed and that lagged exposure leads only to a small (0.78 percentage points) decrease. Two proxies of spillover effects further reveal that this estimate is robust and that the upper-bound of program effect is only moderately larger (1.5 percentage points).
    Keywords: Labor Markets ; Health Provision ; Informality ; Spillover Effects
    Date: 2013–06–24
  6. By: Sean Orzol
    Keywords: Missouri, Health Care Costs, Enrollement, Health
    JEL: I
    Date: 2013–06–30

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