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Part 1: Document Description
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Citation |
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Title: |
Bundling Health Insurance and Microfinance |
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Identification Number: |
doi:10.7910/DVN/25890 |
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Distributor: |
Harvard Dataverse |
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Date of Distribution: |
2014-05-17 |
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Version: |
2 |
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Bibliographic Citation: |
Banerjee, Abhijit; Duflo, Esther; Hornbeck, Richard, 2014, "Bundling Health Insurance and Microfinance", https://doi.org/10.7910/DVN/25890, Harvard Dataverse, V2 |
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Citation |
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Title: |
Bundling Health Insurance and Microfinance |
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Identification Number: |
doi:10.7910/DVN/25890 |
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Authoring Entity: |
Banerjee, Abhijit (Massachusetts Institute of Technology) |
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Duflo, Esther (Massachusetts Institute of Technology) |
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Hornbeck, Richard (Harvard University) |
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Distributor: |
Harvard Dataverse |
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Distributor: |
Jameel Poverty Action Lab |
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Access Authority: |
Banerjee, Abhijit |
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Access Authority: |
Duflo, Esther |
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Access Authority: |
Hornbeck, Richard |
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Date of Deposit: |
2014-05-17 |
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Date of Distribution: |
2014-05-17 |
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Holdings Information: |
https://doi.org/10.7910/DVN/25890 |
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Study Scope |
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Keywords: |
Social Sciences |
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Abstract: |
Microfinance institutions have started to bundle their basic loans with other financial services, such as health insurance. Using a randomized control trial in Karnataka, India, we evaluate the impact on loan renewal from mandating the purchase of actuarially-fair health insurance covering hospitalization and maternity expenses. Bundling loans with insurance led to a 16 percentage points (23 percent) increase in drop-out from microfinance, as many clients preferred to give up microfinance than pay higher interest rates and receive insurance. In a Pyrrhic victory, the total absence of demand for health insurance led to there being no adverse selection in insurance enrollment. |
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Methodology and Processing |
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Sources Statement |
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Data Access |
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Notes: |
<a href="http://creativecommons.org/publicdomain/zero/1.0">CC0 1.0</a> |
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Other Study Description Materials |
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Related Publications |
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Citation |
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Title: |
Banerjee, Abhijit, Esther Duflo, and Richard Hornbeck. 2014. "Bundling Health Insurance and Microfinance in India: There Cannot Be Adverse Selection If There Is No Demand." American Economic Review, 104(5): 291-97. |
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Identification Number: |
10.1257/aer.104.5.291 |
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Bibliographic Citation: |
Banerjee, Abhijit, Esther Duflo, and Richard Hornbeck. 2014. "Bundling Health Insurance and Microfinance in India: There Cannot Be Adverse Selection If There Is No Demand." American Economic Review, 104(5): 291-97. |
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Label: |
Surveys.zip |
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Text: | |
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Notes: |
application/zip |