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Assurance santé et sélection adverse. L’incidence des maladies invalidantes

Author

Listed:
  • David Alary

    (LERNA - Economie des Ressources Naturelles - UT Capitole - Université Toulouse Capitole - UT - Université de Toulouse - INRA - Institut National de la Recherche Agronomique - CEA - Commissariat à l'énergie atomique et aux énergies alternatives)

  • Franck Bien

    (Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres)

Abstract

This paper investigates the impact of chronic diseases on insurance contracts with adverse selection. We use a bi-dimensional utility function (wealth and health status). We prove that the introduction of chronic diseases influences the equilibrium of insurance market. We characterize conditions such that first best contracts can be optimal with asymmetric information.

Suggested Citation

  • David Alary & Franck Bien, 2008. "Assurance santé et sélection adverse. L’incidence des maladies invalidantes," Post-Print hal-02657461, HAL.
    • Handle: RePEc:hal:journl:hal-02657461
    DOI: 10.3917/reco.594.0737
    as

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