Name: Loss Coverage: Why Insurance Works Better With Some Adverse Selection (en Inglés)
SKU: 49212257
Price: 62770.00 CLP
Availability: InStock
Author: Guy Thomas
ISBN: 9781107495906

portada Loss Coverage: Why Insurance Works Better With Some Adverse Selection (en Inglés)

Loss Coverage: Why Insurance Works Better With Some Adverse Selection (en Inglés)

Formato

Libro Físico

Editorial

Cambridge University Press

Autor

Guy Thomas

Año

2017

Idioma

Inglés

N° páginas

284

Encuadernación

Tapa Blanda

ISBN13

9781107495906

Categorías

Finanzas

Loss Coverage: Why Insurance Works Better With Some Adverse Selection (en Inglés)

Guy Thomas (Autor) · Cambridge University Press · Tapa Blanda

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Reseña del libro "Loss Coverage: Why Insurance Works Better With Some Adverse Selection (en Inglés)"

Most academic and policy commentary represents adverse selection as a severe problem in insurance, which should always be deprecated, avoided or minimised. This book gives a contrary view. It details the exaggeration of adverse selection in insurers' rhetoric and insurance economics, and presents evidence that in many insurance markets, adverse selection is weaker than most commentators suggest. A novel arithmetical argument shows that from a public policy perspective, 'weak' adverse selection can be a good thing. This is because a degree of adverse selection is needed to maximise 'loss coverage', the expected fraction of the population's losses which is compensated by insurance. This book will be valuable for those interested in public policy arguments about insurance and discrimination: academics (in economics, law and social policy), policymakers, actuaries, underwriters, disability activists, geneticists and other medical professionals.