The purpose of this paper is to compare the cost efficiency of private and public property insurance providers in … measurement errors and apply the model to a data set on 19 firms in housing insurance markets in Switzerland. We show that the … public insurance providers are about 20 per cent more cost efficient than their private counterparts. …

This paper empirically analyzes moral hazard in car insurance using a dynamic theory of an insuree's dynamic risk (ex …

We study the impact of insurance on the amount of fraud in a physician-patient relationship. In a market for credence …

consumption insurance. Based on insights from a theoretical model, we propose a new test to detect advance information, which … to a significant overestimation of consumption insurance and even more so at the bottom of the wealth distribution. …

on health care quality, health care financing and welfare. We show that without patient mobility quality is too low (high …

heterogeneous reactions to the introduction of a nonlinear price schedule in the German statutory health insurance system. In … administrative insurance claims data from the largest German health insurance plan, we find that some individuals strongly react to …Theoretical considerations suggest that nonlinear health care price schedules have heterogeneous effects on health care …

This paper studies the design of health insurance with ex post moral hazard, when there is imperfect competition in the … are considered. The insurance contract specifies two types of copayments: an ad valorem coinsurance rate and a specific …