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- 1977
- Working Paper
Mitigating Demographic Risk Through Social Insurance
By: Jerry R. Green
A two-period lifetime overlapping generations growth model is used to evaluate the possibility that social insurance can effectively offset economic risks associated with uncertainty about the rate of population growth. Crude measures of the seriousness of this type of...
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Keywords:
Social Insurance;
Econometric Models;
Public Sector;
Government Administration;
Policy;
Human Needs;
Social Issues;
Risk and Uncertainty
Green, Jerry R. "Mitigating Demographic Risk Through Social Insurance." NBER Working Paper Series, No. 215, November 1977.
- December 2021
- Case
Slice Labs: Creating a Fraud-free Online Insurance Platform
By: Amit Goldenberg, Max Bazerman and Ruth Page
"Slice Labs: Creating a Fraud-Free Online Insurance Platform" engages students with the challenge of how to influence other parties to not engage in fraud in the context of digital insurance. The case is centered around Slice, a digital insurance company that was...
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Keywords:
Technology;
Insurance;
Digitization;
Honesty;
Negotiation;
Fraud;
Ethics;
Negotiation Process;
Negotiation Tactics;
Negotiation Types;
Social Psychology;
Conflict and Resolution;
Trust;
Fairness;
Moral Sensibility;
Values and Beliefs;
Crime and Corruption;
Insurance Industry;
Insurance Industry;
United States;
Canada
Goldenberg, Amit, Max Bazerman, and Ruth Page. "Slice Labs: Creating a Fraud-free Online Insurance Platform." Harvard Business School Multimedia/Video Case 921-712, December 2021.
- Article
Asset Accumulation and Labor Force Participation of Disability Insurance Applicants
By: Pian Shu
This paper provides empirical evidence of the existence of forward-looking asset-accumulation behavior among disability-insurance applicants, previously examined only in the theoretical literature. Using panel data from the RAND Health and Retirement Study, I show that...
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Keywords:
Disability Insurance;
Asset Accumulation;
Labor Force Participation;
Assets;
Behavior;
Employment;
Insurance;
Insurance Industry;
United States
Shu, Pian. "Asset Accumulation and Labor Force Participation of Disability Insurance Applicants." Journal of Public Economics 129 (September 2015): 26–40.
- 2013
- Working Paper
Asset Accumulation and Labor Force Participation of Disability Insurance Applicants
By: Pian Shu
Using panel data from the RAND Health and Retirement Study, I show that rejected applicants for Social Security Disability Insurance (SSDI) possess significantly more assets immediately prior to their application and exhibit lower labor force attachment than accepted...
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Keywords:
Disability Insurance;
Asset Accumulation;
Labor Force Participation;
Assets;
Behavior;
Employment;
Insurance;
Insurance Industry;
United States
Shu, Pian. "Asset Accumulation and Labor Force Participation of Disability Insurance Applicants." Harvard Business School Working Paper, No. 14-008, July 2013.
- 1987
- Chapter
Pension Plan Integration as Insurance against Social Security Risk
By: Robert C. Merton, Zvi Bodie and Alan J. Marcus
- December 2011
- Article
Deposit Insurance and Subsidized Recapitalizations
By: Lucy White and Alan Morrison
The 2007–2009 financial crisis saw a vast expansion in deposit insurance guarantees around the world and yet our understanding of the design and consequences of deposit insurance schemes is in its infancy. We provide a new rationale for the provision of deposit...
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Keywords:
Financial Crisis;
Banks and Banking;
Insurance;
Taxation;
Business and Government Relations;
Banking Industry
White, Lucy, and Alan Morrison. "Deposit Insurance and Subsidized Recapitalizations." Journal of Banking & Finance 35, no. 12 (December 2011): 3400–3416.
- 11 Sep 2009
- News
Lehman's Last Contribution to Society: A Lesson on Social Insurance
- 2016
- Working Paper
Entrepreneurship and Public Health Insurance
By: Gareth Olds
I examine the relationship between public health insurance and firm formation. Developing a variant of regression discontinuity, I find the Child Health Insurance Program lowered the child uninsured rate by 40% and increased self-employment by 15%. Monte Carlo evidence...
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Olds, Gareth. "Entrepreneurship and Public Health Insurance." Harvard Business School Working Paper, No. 16-144, June 2016.
- March 2024
- Case
Hippo: Weathering the Storm of the Home Insurance Crisis
By: Lauren Cohen, Grace Headinger and Sophia Pan
Rick McCathron, CEO of Hippo, considered how the firm’s underwriting model could account for the effects of climate change. Along with providing smart home packages, targeting risk-friendly customers, and using data-driven pricing, the Insurtech used technologically...
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Keywords:
Fintech;
Underwriters;
Big Data;
Insurance Companies;
Global Warming;
Business Model Design;
Weather And Climate Change;
Weather Insurance;
Earnings;
Business Model;
Forecasting and Prediction;
Climate Change;
Environmental Sustainability;
Green Technology;
Technological Innovation;
Natural Environment;
Natural Disasters;
Weather;
Business Strategy;
Competitive Advantage;
Business Earnings;
Insurance;
Social Issues;
Insurance Industry;
United States;
California
- 1999
- Chapter
The Moral Hazard of Insuring the Insurers
By: Brian J. Hall and James G. Bohn
Hall, Brian J., and James G. Bohn. "The Moral Hazard of Insuring the Insurers." In The Financing of Catastrophe Risk, edited by Kenneth A. Froot. Chicago: University of Chicago Press, 1999.
- January 2021
- Case
Value-Based Insurance Design at Onex
By: Joshua Schwartzstein, Amitabh Chandra and Amram Migdal
The operating executives of Health and Benefits for Onex Partners, Megan Jackson Frye and Sam Camens, faced a challenge: Healthcare costs for employees of Onex’s portfolio companies were continuing to rise above the consumer price index, reflecting broader trends...
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Keywords:
Decision Making;
Cost vs Benefits;
Decision Choices and Conditions;
Decisions;
Finance;
Behavioral Finance;
Insurance;
Health;
Health Care and Treatment;
Human Resources;
Compensation and Benefits;
Markets;
Demand and Consumers;
Consumer Behavior;
Social Psychology;
Behavior;
Interests;
Motivation and Incentives;
Perception;
Insurance Industry;
Insurance Industry;
North America;
United States
Schwartzstein, Joshua, Amitabh Chandra, and Amram Migdal. "Value-Based Insurance Design at Onex." Harvard Business School Case 921-023, January 2021.
- Article
Consumers' Misunderstanding of Health Insurance
By: George Loewenstein, Joelle Y. Friedman, Barbara McGill, Sarah Ahmad, Suzanne Linck, Stacey Sinkula, John Beshears, James J. Choi, Jonathan Kolstad, David Laibson, Brigitte C. Madrian, John A. List and Kevin G. Volpp
We report results from two surveys of representative samples of Americans with private health insurance. The first examines how well Americans understand, and believe they understand, traditional health insurance coverage. The second examines whether those insured...
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Keywords:
Behavioral Economics;
Simplification;
Insurance;
Consumer Behavior;
Health Care and Treatment;
Cognition and Thinking;
Insurance Industry;
Insurance Industry;
United States
Loewenstein, George, Joelle Y. Friedman, Barbara McGill, Sarah Ahmad, Suzanne Linck, Stacey Sinkula, John Beshears, James J. Choi, Jonathan Kolstad, David Laibson, Brigitte C. Madrian, John A. List, and Kevin G. Volpp. "Consumers' Misunderstanding of Health Insurance." Journal of Health Economics 32, no. 5 (September 2013): 850–862.
- 2023
- Working Paper
Achieving Universal Health Insurance Coverage in the United States: Addressing Market Failures or Providing a Social Floor?
By: Katherine Baicker, Amitabh Chandra and Mark Shepard
The United States spends substantially more on health care than most developed countries, yet leaves a greater share of the population uninsured. We suggest that incremental insurance expansions focused on addressing market failures will propagate inefficiencies and...
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Baicker, Katherine, Amitabh Chandra, and Mark Shepard. "Achieving Universal Health Insurance Coverage in the United States: Addressing Market Failures or Providing a Social Floor?" NBER Working Paper Series, No. 30854, January 2023.
- February 2020 (Revised June 2020)
- Case
From Cradle to Heaven: Taikang Insurance Group
By: William C. Kirby, Shu Lin, John P. McHugh and Yuanzhuo Wang
Taikang Insurance Group was a leading Chinese insurance and financial services institution. It operated in the insurance, asset management, and health and senior care industries. Due to China’s underdeveloped social welfare state, Taikang saw an opportunity for the...
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Kirby, William C., Shu Lin, John P. McHugh, and Yuanzhuo Wang. "From Cradle to Heaven: Taikang Insurance Group." Harvard Business School Case 320-088, February 2020. (Revised June 2020.)
- June 2023
- Teaching Note
From Cradle to Heaven: Taikang Insurance Group
By: William C. Kirby and Noah B. Truwit
Teaching Note for HBS Case No. 320-088. The case explores the rise of Taikang Insurance Group and its quest to be a leader of one of China's fastest-growing industries. Due to China's underdeveloped social welfare state, Taikang saw an opportunity for the private...
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- May 2022 (Revised April 2023)
- Case
LOOP: Driving Change in Auto Insurance Pricing
By: Elie Ofek and Alicia Dadlani
John Henry and Carey Anne Nadeau, co-founders and co-CEOs of LOOP, an insurtech startup based in Austin, Texas, were on a mission to modernize the archaic $250 billion automobile insurance market. They sought to create equitably priced insurance by eliminating pricing...
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Keywords:
AI and Machine Learning;
Technological Innovation;
Equality and Inequality;
Prejudice and Bias;
Growth and Development Strategy;
Customer Relationship Management;
Price;
Insurance Industry;
Insurance Industry
Ofek, Elie, and Alicia Dadlani. "LOOP: Driving Change in Auto Insurance Pricing." Harvard Business School Case 522-073, May 2022. (Revised April 2023.)
- 20 Apr 2017
- Cold Call Podcast
Making Health Insurance That Consumers Actually Like
- winter 1971
- Article
Patient Incentives and Hospital Insurance
By: Robert S. Kaplan and Lester Lave
Kaplan, Robert S., and Lester Lave. "Patient Incentives and Hospital Insurance." Health Services Research 6 (winter 1971): 288–300. (see also "Further Thoughts on Patient Incentives," Health Services Research (summer 1972): 148-150.)
- Spring 2011
- Article
CSR as Reputation Insurance: Primum Non Nocere
By: Dylan B. Minor and John Morgan
We provide a theoretical framework showing how CSR activities can insure a firm against lost reputation in the face of adverse events. We offer evidence for this linkage through a case study and a multi-year analysis of stock price responses for S&P 500 companies...
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Keywords:
Corporate Social Responsibility;
Insurance;
Risk Management;
Marketing Strategy;
Corporate Social Responsibility and Impact;
Reputation
Minor, Dylan B., and John Morgan. "CSR as Reputation Insurance: Primum Non Nocere." California Management Review 53, no. 3 (Spring 2011): 40–59.
- March 2007 (Revised April 2007)
- Case
Micro Insurance Agency: Helping the Poor Manage Risk
By: Michael Chu and Jean Hazell
The notable success of insurance products for low-income clients of its microfinance network leads Opportunity International to launch the first global specialized microinsurance company, the Micro Insurance Agency (MIA). Building on the experience in 10 countries...
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Keywords:
Developing Countries and Economies;
Cost Management;
Microfinance;
Globalization;
Growth and Development Strategy;
Risk Management;
Infrastructure;
Nonprofit Organizations;
Competition;
Financial Services Industry;
Africa;
Asia;
Latin America
Chu, Michael, and Jean Hazell. "Micro Insurance Agency: Helping the Poor Manage Risk." Harvard Business School Case 307-089, March 2007. (Revised April 2007.)