Le choix en assurance affecte-t-il les comportements préventifs des assurés ? (notice n° 838093)
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| fixed length control field | 02243cam a2200265 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250123141303.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Plantier, Morgane |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | Le choix en assurance affecte-t-il les comportements préventifs des assurés ? |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2022.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 24 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | À l’aide d’une expérimentation en laboratoire, cette étude compare le niveau d’effort de prévention fourni par les participants pour diminuer la probabilité de risque auquel ils font face, entre le cas où ils ont au préalable choisi un contrat d’assurance dans un menu ; et le cas où le contrat leur a été imposé. L’évidence expérimentale révèle un impact négatif de l’introduction de l’option de choix du contrat sur les comportements préventifs des assurés. Outre l’effet négatif du taux de couverture sur l’effort de prévention (effet d’aléa moral), le fait de laisser le choix du contrat aux participants diminue le niveau d’effort de prévention qu’ils sont prêts à fournir ensuite, à niveau de couverture donné.Classification JEL : D81, C91. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Based on lab experiment, this study compares the level of prevention effort made by participants to reduce the risk probability, between the situation where they have previously chosen an insurance contract from a menu; and the situation where the insurance contract was imposed. The experimental evidence reveals a negative impact of introducing choice option in insurance on policyholders’ preventive behaviors. In addition to the negative effect of the coverage rate on preventive effort (i.e. moral hazard effect), giving participants the choice of insurance contract reduces the level of preventive effort that they make afterwards, for a given coverage level. |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | assurance |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | expérimentation en laboratoire |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | valeur du choix |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | prévention |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | insurance |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | lab experiment |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | value of choice |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | prevention |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Revue économique | 73 | 5 | 2022-08-30 | p. 811-839 | 0035-2764 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/revue-economique-2022-5-page-811?lang=fr&redirect-ssocas=7080">https://shs.cairn.info/revue-economique-2022-5-page-811?lang=fr&redirect-ssocas=7080</a> |
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