Development and Sustainability in Emerging Health Insurance Markets: Evidence from Microinsurance in Pakistan. Agenda. Research question AKAM micro health insurance program Models and results Conclusion. Research question .
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Facts: High loss ratios, low renewal rates
Probability of renewing
Renewal decision in the next period
Other significant variables:
Model 2: two-part model
Dependent variables: frequency and severity
Model 3: total claim
Dependent variable: total claim