| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP8833 |
| DP8833 Heterogeneity, Demand for Insurance and Adverse Selection | |
| Johannes Spinnewijn | |
| 发表日期 | 2012-02-01 |
| 出版年 | 2012 |
| 语种 | 英语 |
| 摘要 | Recent empirical work finds that surprisingly little variation in the demand for insurance is explained by heterogeneity in risks. I distinguish between heterogeneity in risk preferences and risk perceptions underlying the unexplained variation. Heterogeneous risk perceptions induce a systematic difference between the revealed and actual value of insurance as a function of the insurance price. Using a sufficient statistics approach that accounts for this alternative source of heterogeneity, I find that the welfare conclusions regarding adversely selected markets are substantially different. The source of heterogeneity is also essential for the evaluation of different interventions intended to correct inefficiencies due to adverse selection like insurance subsidies and mandates, risk-adjusted pricing and information policies. |
| 主题 | Public Economics |
| 关键词 | Adverse selection Heterogeneity Risk perceptions Welfare and policy |
| URL | https://cepr.org/publications/dp8833 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/537669 |
| 推荐引用方式 GB/T 7714 | Johannes Spinnewijn. DP8833 Heterogeneity, Demand for Insurance and Adverse Selection. 2012. |
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