The role of bundling in promoting sustainability of health insurance: evidence from Pakistan

Hussain, Sadia; Ahmed, Hamna

doi:10.1057/s41288-019-00129-7

Published: 29 April 2019

The role of bundling in promoting sustainability of health insurance: evidence from Pakistan

Sadia Hussain¹ &
Hamna Ahmed¹

The Geneva Papers on Risk and Insurance - Issues and Practice volume 44, pages 503–526 (2019)Cite this article

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Abstract

This paper extends current literature on the impact of health microinsurance in emerging markets. Using a difference-in-differences approach, we explore the causal impact on client retention of bundling health insurance with microfinance in the context of a large-scale microfinance institution in Pakistan. We find that the programme has a significant and positive impact on client retention. Further, we find that this impact is sensitive to the age composition of the client base, with an average rate of retention higher among younger than older clients.

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Lahore School of Economics, Intersection Main Boulevard Phase VI DHA, Burki Road, Lahore, Pakistan
Sadia Hussain & Hamna Ahmed

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Sadia Hussain
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Hamna Ahmed
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Hussain, S., Ahmed, H. The role of bundling in promoting sustainability of health insurance: evidence from Pakistan. Geneva Pap Risk Insur Issues Pract 44, 503–526 (2019). https://doi.org/10.1057/s41288-019-00129-7

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Received: 17 June 2018
Accepted: 05 March 2019
Published: 29 April 2019
Issue Date: 01 July 2019
DOI: https://doi.org/10.1057/s41288-019-00129-7

Keywords

Health microinsurance
Microcredit
Client retention
Pakistan