state-run retirement insurance which is based on apportionment. Financial service providers, especially banks and insurance … occupational disablement insurances is still growing. Simultaneously, especially risk groups cannot afford insurance contributions …

state-run retirement insurance which is based on apportionment. Financial service providers, especially banks and insurance … redemption, because of the resulting social insurance savings. Beyond it is shown that another increase of utility for the … coalition (employer and employee) can be achieved, if the employer additionally pays in a part of his social insurance savings …

allows them to extend to consumers individually adjusted fair insurance offers. In a market which is characterized by … for the analysis in this thesis. Its purpose is to study the incentives of the agents in the car insurance market … in terms of the design of contracts and to the policy maker in terms of regulating the insurance market. After a short …

Along with the creation of the European single insurance market in1994 the German insurance market was liberalized … losscharacteristics of its customers. These effects explain whyinformational constraints and market power are immanent oninsurance markets.Insurance … appropriate insurance premium will induce an efficientuse of prevention by the customers. Information constraints mayinhibit the …

) quality, ii) efficiency, and iii) ownership.i) Quality of health care is the most important good of the health production … of competition on quality of care.ii) The health economy also merits attention because of its sheer size e.g. with … industrialised countries, approximately one third of health care expenditure is generated by inpatient care. For this reason …