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Disclosure of medical information in health insurance

Rahkovsky, Ilya - In: Advances in management & applied economics 3 (2013) 1, pp. 183-205

Disclosure of private medical information allows insurance companies to better predict medical expenditures. The premiums the companies charge the insured employees reflect these expenditures. This paper studies incentives of employees to disclose their medical information. I find that healthier...

Persistent link: https://www.econbiz.de/10010097676

Quality adjustment in non-spanning markets with variety aversion

Nishimura, Kazuhiko - In: Journal of economic structures : JES; the official … 2 (2013), pp. 1-18

This paper examines the dynamic process of quality adjustment in cases where the economy lacks a sufficient number of markets for coordinating the level of attributes that configure the qualities of products. It shows that an adjustment process through the development and selection of...

Persistent link: https://www.econbiz.de/10010186057

Information sharing and lending market competition under strong adverse selection

Fernández-Ruiz, Jorge; García-Cestona, Miguel - In: SERIEs : Journal of the Spanish Economic Association 4 (2013) 2, pp. 235-245

In a relatively recent paper, Gehrig and Stenbacka (Eur Econ Rev 51, 77–99, 2007) show that information sharing increases banks’ profits to the detriment of creditworthy entrepreneurs in a model of a banking duopoly with switching costs and poaching. They restrict their analysis to the case...

Persistent link: https://www.econbiz.de/10010148159

Endowment life insurance

Sain, Zeljko; Selimovic, Jasmina - In: UTMS journal of economics / University of Tourism and … 4 (2013) 2, pp. 175-186

The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the...

Persistent link: https://www.econbiz.de/10010185791

Preferences and the level of satisfaction from the provision of insurance services in activity of the LGUs on a municipal level in Podkarpackie voivodship

Skica, Tomasz; Rodzinka, Jacek - In: E-Finanse : finansowy kwartalnik internetowy 8 (2012) 3, pp. 76-84

The article is based on the results of author’s study survey conducted on a representative sample of municipalities of Podkarpackie voivodship. Based on the results of research, the article will present both the current state of insurance in local government units (LGUs) of the municipal...

Persistent link: https://www.econbiz.de/10010078126

Repositioning insurance industry for operational efficiency : the Nigerian case

Ujunwa, Augustine; Modebe, Nwanneka Judith - In: Journal of applied finance & banking 1 (2011) 3, pp. 15-32

This paper reviews the operational efficiency of the Nigeria insurance industry from a historical perspective. Our paper traced the origin of insurance in Nigeria to 1918, when marine insurance was dominant in the economy. The paper shows that despite the long history of insurance industry in...

Persistent link: https://www.econbiz.de/10010009090

On the systemic relevance of the insurance industry : is a macroprudential insurance regulation necessary?

Bach, Wolfgang; Nguyen, Tristan - In: Journal of applied finance & banking 2 (2012) 1, pp. 127-149

based on the normative theory of regulation. First, the paper elaborates some basic foundations, such as the … the requirements are fulfilled for a normative theory-compliant macroprudential regulatory foundation. Contrary to the … identifies the fundamental ingredients needed for a theory-based justification of a macroprudential insurance regulation. The …

Persistent link: https://www.econbiz.de/10010009108

Insurance and the corporate cost of capital

Wieczorek-Kosmala, Monika - In: E-Finanse : finansowy kwartalnik internetowy 8 (2012) 1, pp. 61-71

The purpose of the paper is to provide some support to the thesis that insurance may reduce the cost of capital in a company by influencing both the cost of capital components and the need for rising capital. The problem is here perceived from two perspectives the classical concept related to...

Persistent link: https://www.econbiz.de/10010009381

EU single financial market : porspects of changes

Mikita, Malgorzata - In: E-Finanse : finansowy kwartalnik internetowy 8 (2012) 1, pp. 53-60

Persistent link: https://www.econbiz.de/10010009382

Estimación de reservas en una compañía aseguradora : una aplicación en Excel del método Chain-Ladder y Bootstrap

Álvarez-Jareño, José Antonio; Coll-Serrano, Vicente - In: Revista de métodos cuantitativos para la economía y … 14 (2012), pp. 124-136

Insurance companies have to estimate reserves and provisions to cover the payment of either unreported claims or unsettled claims. In this paper, we apply the Chain-Ladder method to obtain a point estimate of reserves, and then we use the bootstrap technique to estimate the margin of error and...

Persistent link: https://www.econbiz.de/10010118388

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