In this paper, we analyze the decision to buy inclusive health and life insurance in Guatemala within a theoretical framework driven by new personality and cognition theories combined with traditional insurance theory. We designed and conducted a survey of samples of both non-insured individuals and clients of Seguros Universales, one of the principal inclusive insurance providers in Guatemala. Our results show that personality traits and time preferences are strongly associated with an individual's decision to hold an insurance contract. We also find evidence that certain combinations related to health habits and personality traits can have an impact on such a decision.

中文翻译：

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包容性健康和人寿保险的采用：危地马拉的一项实证研究

在本文中，我们在新的人格和认知理论与传统保险理论相结合的理论框架下，分析了在危地马拉购买全包式健康和人寿保险的决定。我们设计并进行了一项针对非保险个人和危地马拉主要包容性保险提供商之一的Seguros Universales客户的样本调查。我们的结果表明，人格特质和时间偏好与个人持有保险合同的决定密切相关。我们还发现有证据表明，与健康习惯和人格特质相关的某些组合可能会对这一决定产生影响。