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 …

employment and the labour market. On the cases of Austria and the Czech Republic, problem areas are analysed and their projection … into the setting of goals financed from the ESF+ and the JTF in the field of employment. Based on established and … that AT places emphasis on the issue of women’s employment and long-term unemployment, while CZ addresses the issue of …