THEORETICAL AND PRACTICAL APPROACH REGARDING DENSITY AND PENETRATION INSURANCE ON ACCIDENT AND HEALTH PREMIUMS

Abstract

In this paper is realized an theoretical and empirical approach regarding density and penetration on accident and health premiums. The analysis is performed on a sample of 33 countries and a horizon of 5 years (2004, 2005, 2006, 2007 and 2008), being tested 2 linear regression models. The results of study confirm a relationship between level of economic development and accident and health insurance activity insurance, but exclude the existence of the relationship between penetration factor and this type of insurance.

Keywords

• insurance
• accident and health premiums
• density
• penetration