This paper empirically assesses the selection effects and determinants of the demand for supple-mental health insurance … individual's health status, risk attitude, demand for medical services and insurance purchases in other lines of insurance as … healthier on average. In addition, insurance affinity and income are the most important drivers of the demand for both types of …

This paper empirically assesses the selection effects and determinants of the demand for supple-mental health insurance … individual's health status, risk attitude, demand for medical services and insurance purchases in other lines of insurance as … healthier on average. In addition, insurance affinity and income are the most important drivers of the demand for both types of …

This paper analyzes the German market for supplemental dental insurance (SuppDI) to identify selection behavior based … individuals’ preference for insurance, which is related to risk preferences, contributes to an advantageous selection in this … market. Our results suggest that even in the absence of a positive correlation between risk and insurance coverage, the …

Recent events involving major insurance companies and insurance brokerage firms highlight substantial incentive … without intermediation. A controversial matter in the discussion concerning insurance intermediation is the issue of … by insurance companies. The rationale for the latter is the fact that a fee paid by uninformed consumers limits the …

purchases a good to compensate consequences of unfavorable events, such as an accident or an illness. Insurance policies in most … lines of insurance base indemnity on the insured's actual expenses, i.e., the insured would be partially or completely … reimbursed when purchasing certain goods. In this setting we discuss the interaction between insurance and repair markets by …

influences demand, both within the microinsurance and the traditional insurance markets. A comparison with traditional markets … effects on the decision to buy microinsurance. The influence of trust on insurance take-up and the unanticipated results for …

The two main purposes of this paper are an introduction to the economic analysis of insurance fraud and furthermore a … derivation of factors that determine fraudulent behavior of policyholders on insurance markets. Consequently, we analyze the … strategic decision problems of insurance companiesand the policyholders and identify some factors that can help to reduce …

The recent automobile liability insurance crisis in Atlantic Canada has prompted the four provincial legislations …, the personal automobile insurance system. After reviewing some of the most interesting new regulatory changes, our paper … proposes a new area of discussion: The merger of the four provincial insurance regulatory bodies to combat insurance fraud. We …

equilibrium insurance contract, when a policyholder can report a loss that never occurred. Insurers can only detect fraudulent … signal of the system and auditing becomes more effective. This paper presents conditions under which insurance fraud and the …

The two main purposes of this paper are an introduction to the economic analysis of insurance fraud and furthermore a … derivation of factors that determine fraudulent behavior of policyholders on insurance markets. Consequently, we analyze the … strategic decision problems of insurance companies and the policyholders and identify some factors that can help to reduce …