Catastrophe Insurance and the Demand for Deductibles
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Ruhr Economic Papers Ruhr Economic Papers Ruhr Graduate School in Economics Do Optional Deductibles Reduce the Number of Doctor Visits? – Empirical Evidence with German Data
Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new variables in the German Socioeconomic Panel for the years 2002, 2004, and 2006 that measure individual h...
متن کاملDo Optional Deductibles Reduce the Number of Doctor Visits? – Empirical Evidence with German Data
Deductibles in health insurance are often regarded as a means to contain health care costs when individuals exhibit moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles may instead lead to self-selection into different insurance contracts. We use a set of new variables in the German Socioeconomic Panel for the years 2002, 2004, and 2006 that measure individual h...
متن کاملInsurance state and the number of doctor visits A latent class panel approach with German data
Deductibles in health insurance are often regarded as a means to contain health care costs when the behaviour of individuals exhibits moral hazard. However, in the absence of moral hazard, voluntarily chosen deductibles rather lead to adverse selection. I use a set of new variables in the German Socioeconomic Panel for the years 2002, 2004 and 2006 that measure individual health more accurately...
متن کاملDoes Full Insurance Increase the Demand for Health Care?
We estimate the causal impact of having full health insurance on healthcare expenditures. We take advantage of a unique quasi-experimental setup in which deductibles and co-payments were zero in a managed care plan and nonzero in regular insurance, until a policy change forced all individuals with an active plan to cover a minimum amount of their expenses. Using panel data and a nonlinear diffe...
متن کاملInsured Loss Inflation: How Natural Catastrophes Affect Reconstruction Labor Wages
In the aftermath of a natural catastrophe there is an increased demand for skilled reconstruction labor, which leads to significant increases of reconstruction labor wages and hence insured losses. Such inflation effects are referred to as "Demand Surge" effects. It is important for insurance companies to properly account for these effects when calculating insurance premiums and determining the...
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تاریخ انتشار 2005