TAILIEUCHUNG - The insurance industry in Brazil: a long-term view

The diversity of coverage experiences seems to indicate that there is no type of service that is per se more or better “insurable” by public or private coverage. There are nonetheless some trends towards greater reliance on public or subsidised private coverage for individuals facing higher health care cost, such as the elderly and those with chronic conditions, even where PHI plays a significant or primary role. In the United States, the Medicare programme itself was created at a time when many elderly persons faced challenges finding affordable coverage within private PHI markets (Marmor and McKissick, 2000). Two schemes were established: a universal coverage programme for. | HARVARD BUSINESS SCHOOL The insurance industry in Brazil a long-term view Marcelo de Paiva Abreu Felipe Tâmega Fernandes Working Paper 10-109 Copyright 2010 by Marcelo de Paiva Abreu and Felipe Tâmega Fernandes Working papers are in draft form. This working paper is distributed for purposes of comment and discussion only. It may not be reproduced without permission of the copyright holder. Copies of working papers are available from the author. 1 The insurance industry in Brazil a long-term view1 Marcelo de Paiva Abreu2 Pontifical Catholic University of Rio de Janeiro Felipe Tâmega Fernandes3 Harvard Business School Abstract This paper surveys the formation and development of insurance business in Brazil. It describes its origins from the colonial times and imperial era to recent events. Particular attention is given to regulatory changes showing how they evolved in response to macroeconomic shocks that affected the Brazilian economy during this period. JEL Classification Code G22 G38 L50 N46. Keywords Insurance Brazil Regulation. June 2010 1 Paper prepared for Swiss Re 150th anniversary publication. The authors thank comments from Niels Viggo Haueter Swiss-Re Geoffrey Jones Henrique Oliveira Swiss-Re and Mira Wilkins. The usual disclaimer applies. 2 Professor of Economics Department of Economics PUC-Rio. Pontifícia Universidade Católica do Rio de Janeiro Rua Marquês de São Vicente 225 - Gávea 22451-900 Rio de Janeiro RJ. Tel 55 21 3527-1078 email mpabreu@. 3 Newcomen Fellow Harvard Business School Soldiers Field Baker Library Bloomberg Center 173 Boston MA 02163 USA. Telephone 1 617 495 6224 email ffernandes@. 2 The insurance industry in Brazil a long-term view Brazilian economic history from the 1860s was dominated by balance of payments shocks and spiraling inflation. Wide fluctuations in commodity prices in the supply of foreign capital and also in the ability to attract foreign capital led to recurrent fiscal shocks high inflation and .

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