In an Important Study Published in 1982, Newhouse, Williams, Bennett and Schwartz (Nwbs Hereafter) Analysed the Geographical Distribution of Physicians Using Us Data and Emphasized That the Physician's Ability to Create Demand Is Neither Necessary Nor Sufficient to Yield a Prediction of...

Some Current Insurance Markets Are Troubled by the Presence of Systematic Risk Or by the Inability of the Parties to Specify the Distribution for Aggregate Loss. Such Circumstances Partly Characterise the Topical "Liability Insurance Crisis". We Compare the Performance of Alternative Vehicles...

In 1972, Dreze and Modigliani Generalized the Line of Research Initiated by Leland [5] and Sandmo [8] on the Effects of Income Risk on Consumption. They Gave Necessary and Sufficient Conditions for Consumption to Decrease Under Income Risk. However, They Did Not Cover Extensively the Case of...

This Article Investigates the Practice of Experience Rating by Insurance Companies in the Presence of Symmetric Information Between the Insured and the Insurer. Experience Rating Is Treated As the Acquisition of Information by Both Parties to the Insurance Contract. When the Insured Buys...

In This Paper, We Present a Critical Review of the Main Characteristics of the Automobile Insurance Regime in Quebec, Emphasizing Both the Compensation and the Pricing of Insurance. Moreover, We Present a Recommendation in Order to Improve the Classification of Risks and to Increase Incentives...

L'objectif de Notre Recherche Etait D'isoler L'effet de L'accessibilite Geographique aux Ressources Medicales Sur la Demande de Revascularisation du Myocarde. Nous Avons Utilise des Donnees du Quebec. Nos Resultats Indiquent des Relations Significatives Entre les Variables Accessibilite,...

Dans Cette Etude, Nous Abordons le Probleme de la Mobilite des Patients En Definissant Trois Types de Mobilite: la Mobilite Forcee (Manque de Ressources), la Mobilite Induite Par les Offreurs de Services (Affiliations Hospitalieres) et la Mobilite Choisie Par les Patients. Puis, Nous Mettons En...