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WILLINGNESS TO PAY FOR INSURANCE IN DENMARK

机译:丹麦愿意为保险支付费用

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摘要

We estimate how much Danish households are willing to pay for auto, home, and house insurance. We use a unique combination of claims data from a large Danish insurance company, measures of individual risk attitudes and discount rates from a field experiment with a representative sample of the adult Danish population, and information on household income and wealth from registers at Statistics Denmark. The results show that the willingness to pay is marginally higher than the actuarially fair value under expected utility theory, but significantly higher under rank-dependent utility theory, and up to 600 percent higher than the actuarially fair value.
机译:我们估算了丹麦家庭愿意为汽车,住房和房屋保险支付的费用。我们使用来自丹麦大型保险公司的索赔数据的独特组合,来自丹麦成年人口代表性样本的现场试验的个人风险态度和折现率的度量以及丹麦统计局提供的有关家庭收入和财富的信息。结果表明,在期望效用理论下,支付意愿略高于精算公允价值,但在等级依赖效用理论下明显更高,并且比精算公允价值高出600%。

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  • 来源
    《The journal of risk and insurance》 |2016年第1期|49-76|共28页
  • 作者单位

    Danish Insurance Assoc, Hellerup, Denmark;

    Copenhagen Business Sch, Dept Econ, Copenhagen, Denmark;

    Copenhagen Business Sch, Dept Econ, Copenhagen, Denmark|Univ Durham, Sch Business, Dept Accounting & Finance, Durham, England;

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