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  • Pierre Picard

    (CECO - Laboratoire d'econometrie de l'école polytechnique - CNRS : UMR7657 - Polytechnique - X)

Cet article analyse l'équilibre d'un marché d'assurances où les individus qui souscrivent une police d'assurance ont une obligation de bonne foi lorsqu'ils révèlent une information privée sur leur risque. Les assureurs peuvent, à un certain coût, vérifier le type des assurés qui présentent une demande d'indemnité et ils sont autorisés à annuler rétroactivement le contrat d'assurance s'il est établi que l'assuré avait présenté son risque de manière incorrecte lorsqu'il avait souscrit la police d'assurance. Toutefois les assureurs ne peuvent s'engager sur leur stratégie de vérification du risque. L'article analyse la relation entre l'optimalité de Pareto de second rang et l'équilibre concurrentiel du marché de l'assurance dans un cadre de théorie des jeux. Il caractérise les contrats offerts à l'équilibre, les choix de contrat par les individus ainsi que les conditions d'existence de l'équilibre.

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Paper provided by HAL in its series Working Papers with number hal-00243023.

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Date of creation: 2005
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Handle: RePEc:hal:wpaper:hal-00243023
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  1. A. Dixit & P. Picard, 2002. "On the Role of Good Faith in Insurance Contracting," Princeton Economic Theory Working Papers 26c6897fd1cd46f8f39ffb6ca, David K. Levine.
  2. Crocker, Keith J. & Snow, Arthur, 1985. "The efficiency of competitive equilibria in insurance markets with asymmetric information," Journal of Public Economics, Elsevier, vol. 26(2), pages 207-219, March.
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