Vers une tarification équitable de l’assurance?
AbstractThe intensification of competition on insurance markets is giving more and more audience to the principle of premiums personalization. Antagonistic to the traditional principe of risks mutualization, this new trend aims at "equitable" insurance tariffs, i.e. tariffs such that premiums are exactly proportioned to risks. This article is concerned with two questions: L’intensification de la concurrence sur certains marchés d’assurance a encouragé l’émergence du principe de la personnalisation des primes, qui s’oppose au traditionnel principe de mutualisation des risques. Menée à son extrême, la personnalisation conduirait à une tarification « équitable » de l’assurance, c’est-à-dire telle que la prime de chaque assuré est exactement proportionnée au risque qu’il représente. Cet article se propose de répondre à deux questions :
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Bibliographic InfoArticle provided by Société Canadienne de Science Economique in its journal L'Actualité économique.
Volume (Year): 61 (1985)
Issue (Month): 4 (décembre)
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- Spence, Michael, 1974. "Competitive and optimal responses to signals: An analysis of efficiency and distribution," Journal of Economic Theory, Elsevier, vol. 7(3), pages 296-332, March.
- Quinzii, Martine & Rochet, Jean-Charles, 1985. "Multidimensional signalling," Journal of Mathematical Economics, Elsevier, vol. 14(3), pages 261-284, June.
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- John G. Riley, 1974.
UCLA Economics Working Papers
050, UCLA Department of Economics.
- Wilson, Charles, 1977. "A model of insurance markets with incomplete information," Journal of Economic Theory, Elsevier, vol. 16(2), pages 167-207, December.
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