This paper analyses the impact of competition among downstream firms on an upstream firm's payoff and on its incentive to vertically integrate when firms on both segments negotiate optimal contracts. We argue that tougher competition decreases the downstream industry profit, but improves the...

In this paper, we want to characterize the optimal health insurance contract with adverse selection and moral hazard. We assume that policyholders differ by the permanent health status loss and choose an unobservable preventive effort in order to reduce the probability of illness which is...

This paper investigates the impact of health risk on insurance contract with hazard moral. We use a bi-dimensional utility function (wealth and health status). We prove that the type of health risk influences the equilibrium of insurance market. A full coverage is possible with moral hazard....

A partir d’une étude de l’offre de contrats d’assurance dépendance en France, on analysera les principales caractéristiques des contrats proposés (qu’ils soient individuels ou collectifs, facultatifs ou obligatoires). Les termes des contrats seront définis (niveau de dépendance...

De nombreux arguments théoriques ont été mis en avant pour expliquer les décisions de souscrire ou non à de l'assurance dépendance. Quelques études empiriques ont étudié ces phénomènes sur le marché américain mais très peu de travaux ont été effectués sur le marché français de...

The private long-term care insurance (LTCI) market is a puzzle, in France and in several developed countries (United-States, Spain, etc. . . ). The long-term care insurance market is small, yet long-term care is one of the largest uninsured financial risks facing the elderly. In addition public...

While the insurance demand is very well documented in other countries, French research in this area is scarce, mainly because of the difficulty to have access to detailed data. This PhD uses data provided by a major health insurance company. We first build a joint modelling for both insurance...

In this paper, we discuss how fraud losses impact the price structure chosen by a monopolistic payment platform, if merchants can invest in fraud detection technologies. We show that liability rules bias the structure of the prices charged by the platform to consumers and merchants with respect...

According to economic research, the general practitioner is considered as an agent that offered information and intellectual services in health to principals. Imperfect convergence between their objectives, like the presence of uncertainties and information asymmetries, lead the physician “to...