. By means of the data collected in cars they can better estimate individual driving behavior and accident risk which … allows them to extend to consumers individually adjusted fair insurance offers. In a market which is characterized by … information asymmetries concerning individual risk this has positive efficiency effects. Simultaneously with the improvement of …

This thesis contains four essays which are all from the broader field of insurance economics. The chapters can be read …, which is on oligopolistic models in the insurance market, are paving the way for chapter 4, which contains an article on the … role of patience in an insurance market. This is because chapter 4’s model includes moral hazard and adds to the literature …

Neoclassical analysis of the labor market and its institutions. A systematic development of the theory of labor supply …

Obtaining health insurance through an employer pools risk, but may lead to moral hazard, where employees with more … health insurance coverage. While the percentage of non-Hispanic Whites without health insurance has fallen slightly since … unexplained.In the final essay, I examine the decision to select a health insurance plan from the options offered by one …

investment menu offered to participants.In the second chapter “Longevity Risk Management in Singapore’s National Pension System …”, I evaluate the money’s worth of life annuities and discuss the implications of the government entering the insurance …-measurable risk factors can significantly increase explained variability in mortality outcomes in a proportional hazards framework and …

insurance markets. In Chapter 2 the causes of incentives for risk selection and the general structure of risk-adjustment schemes …This thesis analyzes risk-adjustment schemes, a regulatory means to reduce incentives for risk selection in health … are explained. In the main part of this thesis (Chapter 3-5) the optimal design of a risk-adjustment scheme is derived …

, projected risk premia, and variables that may predict levels of health spending. Insurance for institutional health spending is … research is to investigate the potential role of voluntary health insurance in India, particularly through a micro …