Is it all about Money? A Randomized Evaluation of the Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal

In Senegal mutual health organizations (MHOs) have been present in the greater region of Thiès for years. Despite their benefits, in some areas there remain low take-up rates. We offer an insurance literacy module, communicating the benefits from health microinsurance and the functioning of MHOs, to a randomly selected sample of households in the city of Thiès. The effects of this training, and three cross-cutting marketing treatments, are evaluated using a randomized control trial. We find that the insurance literacy module has no impact, but that our marketing treatment has a significant effect on the take up decisions of households.Community based health insurance scheme, Randomized control trials, Africa, Senegal

Is it all about Money? A Randomized Evaluations of the Impact of Insurance Literacy and Marketing Treatments on the Demand for Health Microinsurance in Senegal

In Senegal mutual health organizations (MHOs) have been present in the greater region of Thiès for years. Despite their benefits, in some areas there remain low take-up rates. We offer an insurance literacy module, communicating the benefits from health microinsurance and the functioning of MHOs, to a randomly selected sample of households in the city of Thiès. The effects of this training, and three cross-cutting marketing treatments, are evaluated using a randomized control trial. We find that the insurance literacy module has no impact, but that our marketing treatment has a significant effect on the take up decisions of households.community based health insurance scheme; Randomized control trials; Africa; Senegal

A superintegrable model with reflections on Sn−1S^{n-1} and the higher rank Bannai-Ito algebra

A quantum superintegrable model with reflections on the $(n-1)$-sphere is presented. Its symmetry algebra is identified with the higher rank generalization of the Bannai-Ito algebra. It is shown that the Hamiltonian of the system can be constructed from the tensor product of $n$ representations of the superalgebra $\mathfrak{osp}(1|2)$ and that the superintegrability is naturally understood in that setting. The separated solutions are obtained through the Fischer decomposition and a Cauchy-Kovalevskaia extension theorem.Comment: 9 page