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Insurance as a Transfer Mechanism

This paper views the typical insurance arrangement as a transfer mechanism. In addition to the primary "risk transfer" by which insurance systems can be distinguished from other financial systems, the paper identifies three secondary transfers and four other transfers that the author views...

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Published in:	The Journal of risk and insurance 1975-03, Vol.42 (1), p.1-15
Main Author:	Trowbridge, C. L.
Format:	Article
Language:	English
Subjects:	Employee insurance Employer contributions Employer provided health insurance Group health insurance Group life insurance Health insurance Insurance Liability insurance Life insurance Risk Self insurance Social insurance Transfer
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cited_by	cdi_FETCH-LOGICAL-c239t-93b199b3f5244d96185c7acc28a0b73b7dd6da22268a66dcfc18a9778849490f3
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container_issue	1
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container_title	The Journal of risk and insurance
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creator	Trowbridge, C. L.
description	This paper views the typical insurance arrangement as a transfer mechanism. In addition to the primary "risk transfer" by which insurance systems can be distinguished from other financial systems, the paper identifies three secondary transfers and four other transfers that the author views as associated with insurance but incidental to it. The paper then analyzes four different insurance systems in accordance with the transfers that take place within such system, and the relative importance of each to the particular system examined. The insurance systems subjected to this analysis are (1) automobile liability insurance, (2) group medical expense insurance, (3) the private pension plan, and (4) the OASDI social insurance system.
doi_str_mv	10.2307/251584
format	article
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The insurance systems subjected to this analysis are (1) automobile liability insurance, (2) group medical expense insurance, (3) the private pension plan, and (4) the OASDI social insurance system.</description><identifier>ISSN: 0022-4367</identifier><identifier>EISSN: 1539-6975</identifier><identifier>DOI: 10.2307/251584</identifier><language>eng</language><publisher>Malvern: American Risk and Insurance Association</publisher><subject>Employee insurance ; Employer contributions ; Employer provided health insurance ; Group health insurance ; Group life insurance ; Health insurance ; Insurance ; Liability insurance ; Life insurance ; Risk ; Self insurance ; Social insurance ; Transfer</subject><ispartof>The Journal of risk and insurance, 1975-03, Vol.42 (1), p.1-15</ispartof><rights>Copyright 1975 American Risk and Insurance Association, Inc.</rights><rights>Copyright American Risk and Insurance Association, Inc. 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The insurance systems subjected to this analysis are (1) automobile liability insurance, (2) group medical expense insurance, (3) the private pension plan, and (4) the OASDI social insurance system.</description><subject>Employee insurance</subject><subject>Employer contributions</subject><subject>Employer provided health insurance</subject><subject>Group health insurance</subject><subject>Group life insurance</subject><subject>Health insurance</subject><subject>Insurance</subject><subject>Liability insurance</subject><subject>Life insurance</subject><subject>Risk</subject><subject>Self insurance</subject><subject>Social insurance</subject><subject>Transfer</subject><issn>0022-4367</issn><issn>1539-6975</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>1975</creationdate><recordtype>article</recordtype><recordid>eNp1zz1PwzAQBmALgUQo8BsCSGwp52_fiCo-KrViKbPlOLZoRJNiJwP_nqCwMt0Nz3unl5BrCkvGQT8wSaURJ6SgkmOlUMtTUgAwVgmu9Dm5yLkFAA0GC3Kz7vKYXOdD6XLpyt205xhSuQ3-w3X7fLgkZ9F95nD1Nxfk_flpt3qtNm8v69XjpvKM41AhrylizaNkQjSoqJFeO--ZcVBrXuumUY1jjCnjlGp89NQ41NoYgQIh8gW5ne8eU_81hjzYth9TN720UwiFNIgTup-RT33OKUR7TPuDS9-Wgv1tb-f2E7ybYZuHPv2nfgDQIFQH</recordid><startdate>19750301</startdate><enddate>19750301</enddate><creator>Trowbridge, C. L.</creator><general>American Risk and Insurance Association</general><general>Blackwell Publishing Ltd</general><scope>AAYXX</scope><scope>CITATION</scope><scope>K9.</scope></search><sort><creationdate>19750301</creationdate><title>Insurance as a Transfer Mechanism</title><author>Trowbridge, C. L.</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c239t-93b199b3f5244d96185c7acc28a0b73b7dd6da22268a66dcfc18a9778849490f3</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>1975</creationdate><topic>Employee insurance</topic><topic>Employer contributions</topic><topic>Employer provided health insurance</topic><topic>Group health insurance</topic><topic>Group life insurance</topic><topic>Health insurance</topic><topic>Insurance</topic><topic>Liability insurance</topic><topic>Life insurance</topic><topic>Risk</topic><topic>Self insurance</topic><topic>Social insurance</topic><topic>Transfer</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Trowbridge, C. L.</creatorcontrib><collection>CrossRef</collection><collection>ProQuest Health & Medical Complete (Alumni)</collection><jtitle>The Journal of risk and insurance</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Trowbridge, C. L.</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Insurance as a Transfer Mechanism</atitle><jtitle>The Journal of risk and insurance</jtitle><date>1975-03-01</date><risdate>1975</risdate><volume>42</volume><issue>1</issue><spage>1</spage><epage>15</epage><pages>1-15</pages><issn>0022-4367</issn><eissn>1539-6975</eissn><abstract>This paper views the typical insurance arrangement as a transfer mechanism. In addition to the primary "risk transfer" by which insurance systems can be distinguished from other financial systems, the paper identifies three secondary transfers and four other transfers that the author views as associated with insurance but incidental to it. The paper then analyzes four different insurance systems in accordance with the transfers that take place within such system, and the relative importance of each to the particular system examined. The insurance systems subjected to this analysis are (1) automobile liability insurance, (2) group medical expense insurance, (3) the private pension plan, and (4) the OASDI social insurance system.</abstract><cop>Malvern</cop><pub>American Risk and Insurance Association</pub><doi>10.2307/251584</doi><tpages>15</tpages></addata></record>
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identifier	ISSN: 0022-4367
ispartof	The Journal of risk and insurance, 1975-03, Vol.42 (1), p.1-15
issn	0022-4367 1539-6975
language	eng
recordid	cdi_proquest_journals_226945899
source	EconLit s plnými texty; EBSCOhost Business Source Ultimate; ABI/INFORM Global; ABI/INFORM Global (ProquesT); JSTOR
subjects	Employee insurance Employer contributions Employer provided health insurance Group health insurance Group life insurance Health insurance Insurance Liability insurance Life insurance Risk Self insurance Social insurance Transfer
title	Insurance as a Transfer Mechanism
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