There is much interest in the causes of several adverse health outcomes in middle and old age. In searching for new explanations for adverse health outcomes later in life, researchers have started to look beyond behavioural risk factors to examine the effect of shocks to health in utero and in...

This paper discusses the problem of crowding out of insurance by co-existing governmental relief programs - so-called 'charity hazard' - in a context of different institutional schemes of governmental relief in Austria and Germany. We test empirically whether an assured partial relief scheme (as...