Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/176140 
Year of Publication: 
2004
Series/Report no.: 
Working Paper No. 118
Publisher: 
Indian Council for Research on International Economic Relations (ICRIER), New Delhi
Abstract: 
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.
Subjects: 
Micro-insurance
Micro-credit
Credit Constraint
Demand for Insurance
Document Type: 
Working Paper

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