We present robust evidence on the presence of adverse selection in hospitalization insurance for low-income households. A large randomized control trial from Pakistan allows us to separate adverse selection from moral hazard, to estimate how selection changes at different points of the demand...

We examine the role of intergenerational co-residence for female labour supply in a patrilocal society. To account for the endogeneity of women's co-residence with parents or in-laws, we exploit a tradition in Central Asia, namely that the youngest son of a family usually lives with his parents....