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How an All-or-Nothing insurance behaviour challenges economic policies:an experimental approach

Economic and Political Studies 2021年第1期9卷 4-16页

作者： Anne Corcos François Pannequin claude montmarquette CURAPP-ESS UMR 7319 ParisFrance CNRS ParisFrance University of Picardie ParisFrance CREST PalaiseauFrance ENS Paris-Saclay University of Paris-SaclayParisFrance CIRANO MontrealCanada University of Montreal MontrealCanada

Based on experimental data,this paper confirms,in a controlled environment,converging theoretical and empirical results that,when individuals insure,they choose to insure themselves with a full *** insurance behaviour creates an opportunity for the public authority to drive people to enter the insurance market where they would buy full *** paper also sheds light on the risks of an opportunistic insurers’*** heuristic challenges the efficiency of separating contracts designed to address adverse selection ***,a strong preference for full contracts may encourage low-risk individuals to turn to(full)contracts designed for high-risk individuals,yielding advantageous selection opportunities for ***,if this heuristic strengthens the high-risks’reluctance for partial insurance,it may increase the efficiency of the separating contracts,and the lowrisk individuals suffer less from adverse selection.

关键词： Experimental study All-or-Nothing(AoN)insurance decision public policies

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Willingness to pay to reduce future risk:a fundamental issue to invest in prevention behaviour

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Economic and Political Studies 2021年第1期9卷 17-36页

作者： Jim Engle-Warnick Julie Héroux claude montmarquette Department of Economics McGill UniversityMontrealCanada Centre for Interuniversity Research and Analysis on Organisation(CIRANO) MontrealCanada Department of Economics University of MontrealMontrealCanada

At the core of the decision to invest in prevention are individuals who face immediate real costs against future and uncertain *** this paper,we elicit subjects’willingness to pay to reduce future *** our experiments,subjects are given a cash endowment and a risky *** report their willingness to pay to exchange the risky lottery for a safe *** play the lottery either immediately,eight weeks later,or 25 weeks ***,both the lottery and the future are sources of uncertainty in our *** two additional treatments,we control for future uncertainty with a continuation probability(a stopping rule),constant and independent across periods,that simulates the chances of not being able to return to play the lottery after 8 and 25 *** find evidence for a present bias in both the time-delay sessions and the continuation probability sessions,suggesting that this bias robustly persists in environments including both risk and future ***,eliciting prevention behaviour is a major challenge.

关键词： Hyperbolic discounting uncertainty risk experiments present bias prevention behaviour

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