Shared savings contracts between physician networks/health maintenance organisations and insurances or sickness funds in Germany and Switzerland showed quite impressive results of between 5 and 15% savings, similar to those being demonstrated in the US during the 1990s in the beginning of managed care last century. While managed care in the US got into a lot of ethical questions the European ex...

The weather index-based insurances may help farmers to cope with climate risks overcoming the most common issues of traditional insurances. However, present limit basis risk: a significant yield loss occur although index does not trigger indemnification, or compensation be granted even if there has been loss. Our investigation, conducted on Apulia region (Southern Italy), aimed at deepening kno...

We illustrate how multistate Markov and semi-Markov models can be used for the actuarial modeling of health insurance policies, focussing on health insurances that are pursued on a similar technical basis to that of life insurance. On the basis of the general modeling framework of Helwich (2008), we study examples of permanent health insurance, critical illness insurance, long term care insuran...

BACKGROUND To investigate the prevalence and risk factors of perceived diabetes-related discrimination in the workplace and in work-related insurances in persons with diabetes mellitus in Switzerland. METHODS 509 insulin-treated diabetic subjects representative of the northwestern Swiss population responded to a self-report questionnaire on perceived diabetes-related discrimination in the wor...

Background: Studies have shown that people using complementary health insurances have more access to health services than others. In the present study, we aimed at finding the differences between out- of- pocket payments and health service utilizations in complementary health insurances (CHIs) users and nonusers.    Methods:  Propensity score matching was used to compare the 2 g...

In three studies, we show that loss aversion is essential to greed, in addition to acquisitive behavior. This drives them towards paying for insurances and warranties to avoid future financial or product loss. Furthermore, when they experience a history of no-losses, it limits their purchase likelihood of insurances.