Researchers:
Additional Researchers:
Jennifer Ruger
Partners:
Sample:
2000 low income microentrepreneurs who are existing clients of Green Bank microcredit program in Northern Mindanao
Country:
Status:
Complete
Short Description:
Examining the take-up of a health insurance product offered to microfinance clients in order to study price sensitivity and assess the extent of adverse selection.
The impact of information asymmetries on insurance markets is important in theory but ambiguous in practice. Generations of studies have failed to produce a consensus on the presence, absence, or magnitude of adverse selection and moral hazard in most markets. While an increasing number of microfinance institutions offer insurance products to their clients as an add-on, there are few empirical studies on the impact of expanding access to health or hospitalization insurance in developing country contexts.
The sample of our study includes 2,036 existing clients under the Green Bank's individual-lending program (TREES) in 10 branches of Northern Mindanao and Caraga regions.
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