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来源类型Working Paper
规范类型报告
DOI10.3386/w22403
来源IDWorking Paper 22403
Do Disaster Experience and Knowledge Affect Insurance Take-up Decisions?
Jing Cai; Changcheng Song
发表日期2016-07-11
出版年2016
语种英语
摘要This study examines the effect of experience and knowledge on weather insurance adoption. First, we conduct insurance games with farmers, and find that the treatment improves real insurance take-up by 46%. The effect is not driven by changes in risk attitudes and perceived probability of disasters, or by learning of insurance benefits, but is driven by the experience acquired in the game. Second, we find that providing information about the payout probability has a strong positive effect on insurance take-up. Finally, when subjects receive both treatments, the probability information has a greater impact on take-up than does the disaster experience.
主题Microeconomics ; Behavioral Economics ; Households and Firms ; Financial Economics ; Financial Institutions ; Other ; Accounting, Marketing, and Personnel ; Development and Growth ; Development ; Innovation and R& ; D ; Environmental and Resource Economics ; Agriculture
URLhttps://www.nber.org/papers/w22403
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/580075
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Jing Cai,Changcheng Song. Do Disaster Experience and Knowledge Affect Insurance Take-up Decisions?. 2016.
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