Risk classification and the balance of information in insurance; an alternative interpretation of the evidence

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<title>Risk classification and the balance of information in insurance; an alternative interpretation of the evidence</title>
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<namePart>Jong, Casper H. de</namePart>
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<abstract displayLabel="Summary">The purpose of this paper is to enhance understanding of the factors influencing the balance of information between policyholder and insurer. The emphasis is on the effects of risk classification. Starting from a theoretical scenario in which efficient risk classification prevents adverse selection, impediments to such risk classification and the effects of differences between insurers in this respect are being discussed. This approach offers both a more realistic and a simpler explanation for the presence of adverse selection.

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<note type="statement of responsibility">Casper H. de Jong</note>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080613327">
<topic>Clasificación de riesgos</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080558888">
<topic>Información</topic>
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<topic>Contrato de seguro</topic>
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<title>Risk management & insurance review</title>
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<publisher>Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999-</publisher>
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<identifier type="issn">1098-1616</identifier>
<identifier type="local">MAP20077001748</identifier>
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<text>06/12/2021 Tomo 24 Número 4 - 2021 , p. 445-461</text>
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