essay, "Between-group adverse selection: Evidence from group critical illness insurance", demonstrates the presence of … adverse selection in the group insurance market even if individual choices are not allowed. It shows that group insurance …This dissertation consists of four essays on insurance economies. It aims to answer questions in the fields of …

erste Beitrag, "The Determinants of Efficiency and Productivity in the Swiss Insurance Industry", untersucht die Effizienz …The thesis at hand aims at advancing the theoretical and practical understanding of efficiency in the insurance … Determinants of Efficiency and Productivity in the Swiss Insurance Industry", analyzes Swiss life, property/casualty (p/c), and …

Health plays an important role in the labor market. Human capital accumulation, occupational choice, hours, wages …, turnover, and retirement are all both causes and consequences of health. Better health leads to higher productivity, and … healthy individuals can spend more time on the labor market. Yet, at the same time, health itself is also a function of past …