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Adverse Selection, Repeated Insurance Contracts and Announcement Strategy

Author

Listed:
  • Dionne, G.
  • Lasserre, P.

Abstract

En Presence de Selection Adverse les Assures Ne Sont Pas Incites a Reveler les Vrais Risques Qu'ils Representent et Il Est Couteux Pour les Assureurs D'observer Ces Risques. Dans Ce Texte, Nous Presentons Deux Strategies Dans Lesquelles L'assureur Utilise L'information Associee a L'experience Passee des Assures. une Strategie Utilise un Mecanisme de Revelation Alors Que L'autre N'utilise Que L'experience Passee Pour Que la Strategie Avec un Mecanisme de Revelation, Contrairement a L'autre Strategie, Permet Toujours D'obtenir une Solution Pareto Optimale Lorsque le Nombre de Periodes Est Tres Grand.

Suggested Citation

  • Dionne, G. & Lasserre, P., 1984. "Adverse Selection, Repeated Insurance Contracts and Announcement Strategy," Cahiers de recherche 8445, Universite de Montreal, Departement de sciences economiques.
  • Handle: RePEc:mtl:montde:8445
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    References listed on IDEAS

    as
    1. Vaillancourt, F., 1980. "The Financing of Local Authorities in Quebec: the Reform of Bill 57," Cahiers de recherche 8019, Universite de Montreal, Departement de sciences economiques.
    2. Grieson, Ronald E. & White, James R., 1981. "The effects of zoning on structure and land markets," Journal of Urban Economics, Elsevier, vol. 10(3), pages 271-285, November.
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    Citations

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    Cited by:

    1. Georges Dionne, 2012. "The Empirical Measure of Information Problems with Emphasis on Insurance Fraud and Dynamic Data," Cahiers de recherche 1233, CIRPEE.
    2. Maarten C.W. Janssen & Vladimir A. Karamychev, 2001. "Dynamic Insurance and Adverse Selection," Tinbergen Institute Discussion Papers 01-106/1, Tinbergen Institute.
    3. Cowling, Marc, 2010. "The role of loan guarantee schemes in alleviating credit rationing in the UK," Journal of Financial Stability, Elsevier, vol. 6(1), pages 36-44, April.
    4. Hansen, Bodil O. & Keiding, Hans, 2002. "Alternative health insurance schemes: a welfare comparison," Journal of Health Economics, Elsevier, vol. 21(5), pages 739-756, September.
    5. Dionne, G. & Doherty, N., 1991. "Adverse Selection In Insurance Markets: A Selective Survey," Cahiers de recherche 9105, Centre interuniversitaire de recherche en économie quantitative, CIREQ.
    6. Dionne, Georges, 1998. "La mesure empirique des problèmes d’information," L'Actualité Economique, Société Canadienne de Science Economique, vol. 74(4), pages 585-606, décembre.
    7. Alma Cohen & Peter Siegelman, 2010. "Testing for Adverse Selection in Insurance Markets," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 77(1), pages 39-84.
    8. Alma Cohen & Liran Einav, 2007. "Estimating Risk Preferences from Deductible Choice," American Economic Review, American Economic Association, vol. 97(3), pages 745-788, June.
    9. repec:ebl:ecbull:v:4:y:2008:i:18:p:1-8 is not listed on IDEAS
    10. Hyojoung Kim & Doyoung Kim & Subin Im & James W. Hardin, 2009. "Evidence of Asymmetric Information in the Automobile Insurance Market: Dichotomous Versus Multinomial Measurement of Insurance Coverage," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 76(2), pages 343-366.
    11. Bar-Isaac, Heski & Cuñat, Alejandro, 2005. "Long-term debt and hidden borrowing," LSE Research Online Documents on Economics 24661, London School of Economics and Political Science, LSE Library.
    12. Jean Pinquet & Georges Dionne & Charles Vanasse & Mathieu Maurice, 2007. "Point-record incentives, asymmetric information and dynamic data," Working Papers hal-00243056, HAL.
    13. Dionne, Georges & Michaud, Pierre-Carl & Pinquet, Jean, 2013. "A review of recent theoretical and empirical analyses of asymmetric information in road safety and automobile insurance," Research in Transportation Economics, Elsevier, vol. 43(1), pages 85-97.
    14. Dionne, Georges & Harrington, Scott, 2017. "Insurance and Insurance Markets," Working Papers 17-2, HEC Montreal, Canada Research Chair in Risk Management.
    15. Ma, Ben-jiang & Qiu, Chun-guang & Bi, Wen-jie, 2015. "An insurance contract with a low compensation period under adverse selection," Information Economics and Policy, Elsevier, vol. 31(C), pages 67-74.
    16. Tim Friehe, 2008. "Insurance, Pooling, and Resistance to Reform: The Case of Individual Uncertainty," Economics Bulletin, AccessEcon, vol. 4(18), pages 1-8.
    17. Georges Dionne & Nathalie Fombaron & Neil Doherty, 2012. "Adverse Selection in Insurance Contracting," Cahiers de recherche 1231, CIRPEE.
    18. Larry A. Cox & Yanling Ge, 2004. "Temporal Profitability and Pricing of Long-Term Care Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 71(4), pages 677-705.
    19. Michael Ludkovski & Virginia R. Young, 2010. ""Ex Post" Moral Hazard and Bayesian Learning in Insurance," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 77(4), pages 829-856.
    20. Alma Cohen, 2012. "Asymmetric Learning in Repeated Contracting: An Empirical Study," The Review of Economics and Statistics, MIT Press, vol. 94(2), pages 419-432, May.
    21. Garcia, René, 1986. "La théorie économique de l’information : exposé synthétique de la littérature," L'Actualité Economique, Société Canadienne de Science Economique, vol. 62(1), pages 88-109, mars.
    22. repec:oup:rcorpf:v:3:y:2014:i:1-2:p:87-122. is not listed on IDEAS
    23. repec:dau:papers:123456789/6467 is not listed on IDEAS
    24. repec:bla:jrinsu:v:84:y:2017:i:4:p:1269-1293 is not listed on IDEAS

    More about this item

    Keywords

    Risque ; Assurance ; Information ; Microeconom Ie;

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