Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 25 for “"Insurance contracts"”.
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Under-insurance and the effect of the average clause on insurance contracts
Under-insurance can have dire consequinces for insurers if they are held liable for the full value of the damage that occurred while an insured only paid small premiums in relation thereto. It has become common practice under insurers to insert an average clause into insurance contracts to protect …
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A comparison of methods for modelling rates of withdrawal from insurance contracts
Withdrawal from insurance contracts can be a significant risk for insurers. Withdrawal rates can be difficult to predict because withdrawal is influenced by a number of inter-related factors related to, inter alia, the sales process, characteristics of the insurance contract, characteristics of the …
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"How bona does fides need to be in contracts of Marine insurance?"a comparative analysis of the English and the South African approach to Marine insurance contracts
The English Law of Marine Insurance embraces the concept of Utmost Good Faith ( Uberrimae Fide,). The underlying motive for this is apparent in the requirement that an even higher standard of honesty than usual is necessary. The reason for this is that circumstances of a special nature exist which …
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Essays on optimal insurance design
… three chapters analyzing the optimal design of insurance contracts. I consider three relevant contexts that change the central trade-off between the provision of insurance and the provision of incentives. The first chapter analyzes the role of biased beliefs for the optimal design of static and …
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Managing impacts of hydrological droughts and heat waves on thermal power plants
… power plant cooling water risk with index insurance contracts is evaluated. Results show that linear index insurance contracts can hedge the effect of cooling water temperature on power plant thermodynamics, but cannot mitigate risk due to thermal pollution regulations effectively. Thirdly, …
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IFRS 17 and its effects on financial performance and the statement of financial position: a comparative analysis of the South African insurance companies including banks
In the South African market, insurance plays an important role by enabling businesses to manage risks they could not manage individually, while also reinvesting some of the premiums in South Africa to drive economic growth and create jobs. For individuals, insurance provides important protection …
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Essays in Consumer Finance
… regarding the design of consumer financial contracts and their implications for market structure and economic efficiency. These questions are important because, as the recent mortgage crisis suggests, the relationship between household financial decision making, the organization of consumer …
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Balanced scorecard como uma ferramenta estratégica para gestão e planejamento em corretoras de seguros na cidade de João Pessoa
… identify what type of strategic planning used in insurance brokers and whether or not they use the Balanced Scorecard tool in their management and planning. The research is characterized in a descriptive way and as for the methodological procedures a case study was carried out with insurance …
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Essays on Finance and Climate Risk
… first chapter studies how residential mortgage contracts distribute flood risk exposures across banks, households, and the government flood insurer. I find that banks offload flood risk to the government through flood insurance contracts, and to households through higher required down payments. …
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Seawall
… of his neighborhood to sign exploitative insurance contracts. His house is burned down and mysterious assailants assault him. Finally, he discovers an uncomfortable truth.
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The Price is Right: Examining Demand for Medical Care in the Presence of Deductibles
… However, given the typical structure of insurance contracts that include cost-sharing features such as deductibles, the price of medical care is not constant throughout the year and depends on past and future medical expenditures. This study explicitly incorporates this nonlinearity by …
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The Pricing Strategy of a Bayesian Learning Monopolistic Insurer
… of the standard literature on adverse selection insurance models assumes that the only unknown parameter is the accident probability and that all consumers have the same level of risk aversion. This paper relaxes these two assumptions by allowing consumers to have different levels of risk …
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The impact of IFRS 17 transition mechanisms legislated by tax authorities on the GloBE effective tax rate of South Africa headquartered insurers
… was preceded by the release of IFRS 17 Insurance Contracts in the same year and is issued by the International Accounting Standards Board. IFRS 17 is the culmination of a multi-year two phase project aimed at developing what is considered the first truly international insurance contract …
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Essays On The Intersection Of Healthcare Operations And Economics
… of the Slutsky Equation Using Indemnity Health Insurance Contracts," uncovers the differential response of consumers to different designs of health insurance. While previous studies have convincingly shown that ex-post moral hazard in health care does exist, there has been a lack of empirical …
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An Industry Level Analysis of Demand for Insurance in South Africa
… economic growth. Among businesses, the use of insurance contracts has been advanced as one of the most effective risk management strategies to deal with the business risk. Insurance is designed to hedge against unforeseen and unplanned risks that may be attributable to manmade or natural …
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Reforming the Law on Warranties, Disclosures and Misrepresentation in Cypriot Marine Insurance: Should Cyprus Follow the UK’s Insurance Act 2015?
Since the establishment of the first Cypriot insurance company, the country has been relying on English common law in resolving marine insurance disputes. Due to the lack of Cypriot marine insurance legislation and the hap-hazard manner in which Cypriot Courts decide cases, the purpose of this …
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Optimal policy and the coexistence of markets and governments
… consumption commitments. Changing these contracts is costly. These potential default costs mitigate the government's ex-post incentives to renege on the promised tax schedule, and therefore provide a coninitment device for the government. In that sense, financial markets may facilitate …
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uBuntu and certainty in commercial contracting: A study of burial societies in Cape Town
… agreements of burial societies as funeral insurance contracts. This categorisation considers burial societies as juristic persons who operate for profit and who offer public funeral insurance products. However, the nature of burial societies shows that burial societies are not juristic …
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Essays on loss aversion and household portfolio choice
… amount of potential gains, affects households' insurance buying decisions and savings decisions. The first chapter, ""Prospect Theory and Insurance Demand,"" tries to answer the question of why a substantial fraction of households remains uninsured even if classical expected utility theory …
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Essays in applied microeconomics
… to the nonlinear pricing common in health insurance contracts. Our empirical strategy exploits the fact that employees who join an employer-provided health insurance plan later in the calendar year face the same initial price of medical care but a higher expected end-of-year price than …
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