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Vers une tarification équitable de l’assurance?

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  • Jean-Charles Rochet

    (Professeur invité à l’Université de Montréal)

Abstract

The 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 :

Suggested Citation

  • Jean-Charles Rochet, 1985. "Vers une tarification équitable de l’assurance?," L'Actualité Economique, Société Canadienne de Science Economique, vol. 61(4), pages 453-471.
    • Handle: RePEc:ris:actuec:v:61:y:1985:i:4:p:453-471
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    References listed on IDEAS

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    1. Joseph E. Stiglitz, 1977. "Monopoly, Non-linear Pricing and Imperfect Information: The Insurance Market," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 44(3), pages 407-430.
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    3. 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.
    4. Wilson, Charles, 1977. "A model of insurance markets with incomplete information," Journal of Economic Theory, Elsevier, vol. 16(2), pages 167-207, December.
    5. Spence, Michael, 1978. "Product differentiation and performance in insurance markets," Journal of Public Economics, Elsevier, vol. 10(3), pages 427-447, December.
    6. Quinzii, Martine & Rochet, Jean-Charles, 1985. "Multidimensional signalling," Journal of Mathematical Economics, Elsevier, vol. 14(3), pages 261-284, June.
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