Social identity and the formation of health insurance networks
Institute of Development Policy and Management
The journal of development studies. - London, 1964, currens
, p. 1152-1177
In a panel survey of an informal insurance network in Tanzania we find none of the tell-tale signs that insurance transfers follow reciprocal risk sharing arrangements among self-interested individuals: insurance remittances do not occur through informal loans; transfers are not regressive; and they do not fall when shocks are repeated over time. The evidence of unreciprocated transfers occurring between kin is suggestive of risk sharing based on altruism or social norms.