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Versicherungsbetrug als ökonomisches Problem: Eine vertragstheoretische Analyse

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  • Schiller, Jörg
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    Abstract

    Betrügerische Schadenmeldungen sind ein wohlbekanntes Phänomen und führen auf einzelnen Versicherungsmärkten zu schwerwiegenden Problemen. Im Rahmen des vorliegenden Beitrags wird zum einen erläutert, warum Versicherungsbetrug als ein vertragstheoretisches Problem angesehen werden kann. Zum anderen werden - vor dem Hintergrund bestehender Ergebnisse der ökonomischen Vertragstheorie - ausgewählte Ansatzpunkte zur Betrugsbekämpfung und insbesondere das Problem der Sanktionierung von ertappten Betrügern analysiert. -- Fraudulent claims are a well-known phenomenon and a serious problem in some insurance markets. The purpose of this paper is twofold. First of all, it explains why insurance fraud can be considered as a contractual problem. Consequently, selected instruments to fight insurance fraud and problems concerning the punishment of detected defrauders are analyzed by using existing results of contract theory.

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    Bibliographic Info

    Paper provided by University of Hamburg, Institute for Risk and Insurance in its series Working Papers on Risk and Insurance with number 13.

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    Date of creation: 2004
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    Handle: RePEc:zbw:hzvwps:13

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    Web page: http://www.hzv-uhh.de/
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    Related research

    Keywords: Versicherungsbetrug; Vertragstheorie; Sanktionierung; insurance fraud; contract theory; punishment;

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    1. Dasgupta, Partha S & Hammond, Peter J & Maskin, Eric S, 1979. "The Implementation of Social Choice Rules: Some General Results on Incentive Compatibility," Review of Economic Studies, Wiley Blackwell, vol. 46(2), pages 185-216, April.
    2. Dionne, G. & St-Michel, P. & Gibbens, A., 1993. "An Economic Analysis of Insurance Fraud," Cahiers de recherche 93010, Centre interuniversitaire de recherche en économie quantitative, CIREQ.
    3. G. Dionne & F. Giuliano & P. Picard, 2002. "Optimal auditing for insurance fraud," THEMA Working Papers 2002-32, THEMA (THéorie Economique, Modélisation et Applications), Université de Cergy-Pontoise.
    4. Dionne, G. & St-Michel, P., 1988. "Workers' Compensation and Moral Hazard," Cahiers de recherche 8831, Universite de Montreal, Departement de sciences economiques.
    5. M. Martin Boyer & Jörg Schiller, 2003. "Merging Automobile Insurance Regulatory Bodies: The Case of Atlantic Canada," CIRANO Working Papers 2003s-70, CIRANO.
    6. M. Martin Boyer, 2001. "Contracting under Ex Post Moral Hazard and Non-Commitment," CIRANO Working Papers 2001s-30, CIRANO.
    7. Helmut Bester & Roland Strausz, . "Imperfect Commitment and the Revelation Principle," Papers 004, Departmental Working Papers.
    8. Jörg Schiller, 2003. "The Impact of Insurance Fraud Detection Systems," Microeconomics 0310001, EconWPA.
    9. Lacker, J.M., 1989. "Optimal Contracts Under Costly State Falsification," Purdue University Economics Working Papers 956, Purdue University, Department of Economics.
    10. Doherty, Neil A & Schlesinger, Harris, 1983. "Optimal Insurance in Incomplete Markets," Journal of Political Economy, University of Chicago Press, vol. 91(6), pages 1045-54, December.
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