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

effect remains significant after controlling for health, socio-economic status and the presence of a partner and or children … caregivers. However, they express a greater satisfaction with their housing situation than renters, even if their health …

This paper looks into the search behavior of consumers in the market for health insurance contracts. We consider the … recent health insurance reform in The Netherlands, where a private-public mix of insurance provision was replaced by a system … insurance system. This model provides us with a number of hypotheses, which we test using data from the Dutch Health Care …

in reducing predicted losses for subgroups of health care users. Nevertheless, incentives for risk selection against some …When public long-term care (LTC) insurance is provided by insurers, they typically lack incentives for purchasing cost …-effective LTC. Providing insurers with appropriate incentives for efficiency without jeopardizing access for high-risk individuals …

This paper looks into the search behavior of consumers in the market for health insurance contracts. We consider the … recent health insurance reform in The Netherlands, where a private-public mix of insurance provision was replaced by a system … insurance system. This model provides us with a number of hypotheses, which we test using data from the Dutch Health Care …

presence of selection effects and treatment heterogeneity. As an example we present an estimate of the TPE for a rural water …