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The Demand for insurance with an upper limit on coverage

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      <subfield code="a">Cummins, J. David</subfield>
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      <subfield code="a">The Demand for insurance with an upper limit on coverage</subfield>
      <subfield code="c">J. David Cummins, Olivier Mahul</subfield>
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      <subfield code="a">The demand for insurance is examined when the indemnity schedule is subject to an upper limit. The optimal contract is shown to display full insurance above a deductible up to the cap. Some result derived in the standard model with no upper limit on coverage turn out to be invalid; the optimal deductible of an actuarially fair policy is positive and insurance may be a normal good under decreasing absolute risk aversion. An increase in the upper limit would induce the policyholders with constant absolute risk aversion to reduce his or her optimal deductible and therefore this would increase the demand for insurance against small losses</subfield>
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      <subfield code="a">Mahul, Olivier</subfield>
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      <subfield code="a">The Journal of risk and insurance</subfield>
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      <subfield code="t">The Journal of risk and insurance</subfield>
      <subfield code="d">Orlando</subfield>
      <subfield code="g">Volume 71, number 1, March 2004 ;  p. 213-251</subfield>
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