Managed competition and user satisfaction : tha case of Spanish work accident mutuals
- 2001
Analyzes one of the three options of insurance against workplace accidents that Spanish companies can choose from : work accident andc occupational disase mutual insurance companies. Although the taking out of insurance cover is obligatory, the choice is totaly voluntary. The fact that these entities manage 90 per cent of premiums destined towards workplace accident cover collected by the Department of Social Security, allows us to assume that user satisfaction must be, consequently, quite high. In order to explore this, a study was made of the incentiver that and ownership generated in these entities, and a postal survey of 443 companies affiliated to mutuals was carried out. Our results confirm the high rate of user satisfaction, although they also reveal some of the limitations associated with managed competition
Competitividade Espanha Seguro Descentralização Acidente de trabalho