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Опубликовано на портале: 30-11-2003
Rajeev Ahuja, Johannes Jutting
2003
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 falling into
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.
Thus from insurance perspective as well, our analysis highlights the importance of having appropriate savings and borrowing instruments for the poor.
