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Charity hazard : A real hazard to natural disaster insurance?

Raschky, Paul A.; Weck-Hannemann, Hannelore - 2007

After the flooding in 2002 European governments provided billions of Euros of financial assistance to their citizens. Although there is no doubt that solidarity and some sort of assistance is reasonable, the question arises why these damages were not sufficiently insured. One explanation why...

Persistent link: https://www.econbiz.de/10010293403

Intermediation and matching in insurance markets

Focht, Uwe; Richter, Andreas; Schiller, Jörg - 2009

This paper addresses the role of independent insurance intermediaries in markets where matching is important. A controversial matter in the discussion concerning insurance intermediation is the issue of compensation customs and how the latter affect prices, rents and advice quality in insurance...

Persistent link: https://www.econbiz.de/10010298846

Hidden regret in insurance markets: Adverse and advantageous selection

Huang, Rachel J.; Muermann, Alexander; Tzeng, Larry Y. - 2008

We examine insurance markets with two types of customers: those who regret suboptimal decisions and those who don.t. In this setting, we characterize the equilibria under hidden information about the type of customers and hidden action. We show that both pooling and separating equilibria can...

Persistent link: https://www.econbiz.de/10010303737

Für eine Liberalisierung des deutschen Versicherungsmarktes

Kanthack, Eckhard - 1987

Versicherungsmarkt erheblich liberalisieren würde, obgleich es auch mehr Regulierungen enthält, als dies aus ökonomischer Sicht notwendig … Nachfrage nach Versicherungsdienstleistungen auftreten würde. Preissenkungen auf dem deutschen Versicherungsmarkt würden … erheblich mehr Marktanteile auf dem deutschen Versicherungsmarkt hinzugewinnen werden als in den letzten drei Jahrzehnten. …

Persistent link: https://www.econbiz.de/10010305342

Private health insurance in social health insurance countries: Market outcomes and policy implications

Greß, Stefan; Okma, Kieke G. H.; Wasem, Jürgen - 2002

Persistent link: https://www.econbiz.de/10010306066

Krankenkassen und Leistungserbringer als Wettbewerbsakteure

Coenen, Michael; Haucap, Justus - 2014

Krankenkassen sollen in einer Solidarischen Wettbewerbsordnung als Unternehmen selektivvertragliche Bindungen zum Angebot von Optionstarifen nutzen. Dies sichert ihnen Steuerungsmöglichkeiten und eine echte Mittlerfunktion. Sie sind einer umfassenden Kartellaufsicht und entsprechender...

Persistent link: https://www.econbiz.de/10010329600

Demand heterogeneity in insurance markets: Implications for equity and efficiency

Geruso, Michael - In: Quantitative Economics 8 (2017) 3, pp. 929-975

In many markets insurers are barred from price discrimination based on con- sumer characteristics like age, gender, and medical history. In this paper, I build on a recent literature to show why such policies are inefficient if consumers differ in their willingness-to-pay for insurance...

Persistent link: https://www.econbiz.de/10011995507

Counterparty Risk in Insurance Contracts: Should the Insured Worry about the Insurer?

Thompson, James R. - 2007

We analyze the effect of counterparty risk on insurance contracts using the case of credit risk transfer in banking. In addition to the familiar moral hazard problem caused by the insuree's ability to influence the probability of a claim, this paper uncovers a new moral hazard problem on the...

Persistent link: https://www.econbiz.de/10011940750

Adverse selection among early adopters and unraveling innovation

McGee, Rory - 2023

I provide an equilibrium analysis of 'selection markets': where consumers not only vary in how much they are willing to pay, but also in how much they cost to the seller. The model provides a joint explanation for three empirical phenomena: low uptake of existing products, slow demand for new...

Persistent link: https://www.econbiz.de/10014581822

State of Competition in the Insurance Industry: Selected Asian Countries

Milo, Melanie S. - 2003

This paper is a preliminary review of the state of competition in the insurance industry of selected Asian countries. In particular, it explores how competition has been affected by the market structure and the regulatory regime in the insurance industries of the ASEAN5 economies - Indonesia,...

Persistent link: https://www.econbiz.de/10011429714

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