Under certain conditions the optimal insurance policy will offer full coverage above a deductible, as Arrow and others … have shown long time ago. Interestingly, the same design of insurance policies applies in case of a single loss and ex …-ante moral hazard. However, many insurance policies provide coverage against a variety of losses and the possibilities for the …

countries, the social security system insures firms against their workers' sickness absences. However, this insurance may create … change that took place in Austria in 2000. In September 2000, an insurance fund that refunded firms for the costs of their …

One of the main features of health insurance is moral hazard, as defined by Pauly (1968); people face incentives for … problem, a coinsurance can be included in the insurance contract. We analyze under what conditions there is a conflict between … individuals on what coinsurance rate should be set with public health insurance, and we establish conditions for a median …

explaining sickness absence behavior. In this context public discussions about the intentions of the insurance, and of the rights … information meetings about the Swedish sickness insurance affect the length of sickness absence spells. The study is based on …