Asymmetric Information in the Market for Private Supplementary Health Insurance in Germany

This research project tests for asymmetric information and in the German market for supplementary dental and long-term care insurance. The main focus is the analysis of the relationship between insurance coverage and risk in these markets in order to identify the different selection effects (adverse vs. advantageous selection). more

Aspects of demand-side oriented insurance of food price volatility in developing and emerging countries

The aim of the project is to develop the theoretical fundamentals for a demand-oriented index-based insurance product to insure households against consumption risks induced by food price volatility. Hence, the project studies will cover analysis on the effect of food price volatility on applied self-insurance strategies, the effect of remittances on self-insurance as well as to develop the fundamentals for an integrated index-based insurance product insuring consumption risks.

Function and compensation of brokers in industry insurance

The main reseach focus of the project is to examine the impact of remuneration on miscounselling incentives for brokers. Furthermore, it will be evaluated to what extent new regulatory actions have the potential to improve the quality of consulting and the effiiciency of intermediation by brokers in the field of industry insurance. more

Reasons for fraudulent behavior by policyholders

The main scope of the reseach project is analyse influencing factors of fraudulent behavior in insurance contexts in the lab. A matter of particular interest is the importance of insurance specific factors, like deductibles and risk exclusions, and non-insurance specific factors like social norms and social interaction. Furthermore, it will examined to what extent standard incentive instruments are actually applicable to mitigate fraudulent behavior in an experimental context. more