Moral hazard means that people with insurance may take greater risks because they know they do not bear the full consequences of their actions. This can occur with both private insurance and social insurance. Deductibles can be used to alleviate the problem. An interesting way to bring...

This study examines structures and challenges in the Finnish well-being sector from the innovation activity perspective. Firstly, it compares the quality and productivity based on international statistics and research reports, and R&D&I activities in the well-being sector. It investigates also...