Are the poor too poor to demand health insurance?

Arbeitspapier

Community based micro insurance has aroused much interest and hope in meeting health care challenges facing the poor. In this paper we explore how institutional rigidities such as credit constraint impinge on demand for health insurance and how insurance could potentially prevent poor households from fallinginto poverty trap. In this setting, we argue that the appropriate public intervention in generating demand for insurance is not to subsidise premium but to remove these rigidities (easing credit constraint in the present context). Thus from insurance perspective as well, our analysis highlights the importance of having appropriate savings and borrowing instruments for the poor.

Angaben zum Objekt

• Sprache: Englisch

Verweise und Beziehungen

• Erschienen in: Series: Working Paper ; No. 118

Klassifikation und Themen

• Klassifikation: Wirtschaft
• Thema: Micro-insurance ; Micro-credit ; Credit Constraint ; Demand for Insurance ; Armut ; Krankenversicherung ; Soziale Sicherheit ; Entwicklungsländer ; Mikrofinanzierung

Beteiligte, Orts- und Zeitangaben

• Ereignis: Geistige Schöpfung
• (wer): Ahuja, Rajeev ; Jütting, Johannes
• Ereignis: Veröffentlichung
• (wer): Indian Council for Research on International Economic Relations (ICRIER)
• (wo): New Delhi
• (wann): 2004

Weitere Informationen

• Handle: http://hdl.handle.net/10419/176140
• Letzte Aktualisierung: 10.03.2025, 11:45 MEZ