This thesis contains four essays which are all from the broader field of insurance economics. The chapters can be read …, which is on oligopolistic models in the insurance market, are paving the way for chapter 4, which contains an article on the … role of patience in an insurance market. This is because chapter 4’s model includes moral hazard and adds to the literature …

untersuchen, welche Anreize die Akteure (Versicherungsunternehmen und Versicherungsnehmer) im Kfz-Versicherungsmarkt haben, von …, motiviert Kapitel 2 mit Hilfe stilisierter Fakten im Kfz-Versicherungsmarkt die Grundannahmen f?r die theoretische Modellierung … allows them to extend to consumers individually adjusted fair insurance offers. In a market which is characterized by …

contrast two insurance regimes; the status quo of mandated pooling of all risk types and the reform proposal being insurance …This paper shows that individual risk-type uncertainty can prevent reforms of the insurance system that would benefit …

, especially the capital and insurance markets. The convergence in the insurance industry was determined by the increased frequency … aimed the convergence of financial market, including an important component such as insurance market. As part of the EU … insurance market in the EU and Romania. Through a wide series of indicators such as: the amount of insurance premiums, degree of …

, especially the capital and insurance markets. The convergence in the insurance industry was determined by the increased frequency … aimed the convergence of financial market, including an important component such as insurance market. As part of the EU … insurance market in the EU and Romania. Through a wide series of indicators such as: the amount of insurance premiums, degree of …

Mit der Schaffung des europäischen Versicherungsbinnenmarkteswurde 1994 auch der deutsche Versicherungsmarkt … Versicherungsmarkt immanent sind.Versicherungsnehmer, die sich gegen ein Schadensrisiko absichern,stehen Versicherungsschutz und …Along with the creation of the European single insurance market in1994 the German insurance market was liberalized …

Obtaining health insurance through an employer pools risk, but may lead to moral hazard, where employees with more … health insurance coverage. While the percentage of non-Hispanic Whites without health insurance has fallen slightly since … unexplained.In the final essay, I examine the decision to select a health insurance plan from the options offered by one …

insurance markets. In Chapter 2 the causes of incentives for risk selection and the general structure of risk-adjustment schemes …