1,628
Views
9
CrossRef citations to date
0
Altmetric
Articles

Enacting Actuarial Fairness in Insurance: From Fair Discrimination to Behaviour-based Fairness

&

References

  • Ariely, D. (2008) Predictably Irrational: The Hidden Forces that Shape Our Decisions, Revised and expanded ed. (London: Harper Collins Publishers).
  • Aron-Dine, A., Einav, L. and Finkelstein, A. (2013) The RAND health insurance experiment, three decades later, Journal of Economic Perspectives, 27, pp. 197–222. doi: 10.1257/jep.27.1.197
  • Arrow, K. J. (1963) Uncertainty and the welfare economics of medical care, The American Economic Review, 53, pp. 941–973.
  • Arrow, K. J. (1974) Essays in the Theory of Risk-bearing (Amsterdam: North-Holland Publishing Company).
  • Arrow, K. J. (1984) Collected Papers of Kenneth J. Arrow, Volume 4: The Economics of Information (Cambridge: Harvard University Press).
  • Arrow, K. J. (2015) Commentary, in: A. Finkelstein (Ed.) Moral Hazard in Health Insurance. Developments Since Arrrow (1963), pp. 55–64 (New York: Columbia University Press).
  • Baker, T. (1996) On the genealogy of moral hazard, Texas Law Review, 75, pp. 1–47.
  • Baker, T. (2000) Insuring morality, Economy and Society, 29, pp. 559–577. doi: 10.1080/03085140050174787
  • Baker, T. (2002) Risk, insurance, and the social construction of responsibility, in: T. Baker and J. Simon (Eds) Embracing Risk: The Changing Culture of Insurance and Responsibility, pp. 33–51 (Chicago: The University of Chicago Press).
  • Baker, T. (2011) Health insurance, risk, and responsibility after the patient protection and affordable care act, University of Pennsylvania Law Review, 159, pp. 1577–1622.
  • Besanko, D. and Braeutigam, R. (2011) Microeconomics, Fourth ed. (New York: John Wiley & Sons).
  • Bowers, N. L., Gerber, H. U., Hickman, J. C., Jones, D. A. and Nessbitt, C. J. (1986) Actuarial Mathematics (Itasca: Society of Actuaries).
  • Buchanan, J. M. (1958) Ceteris paribus: Some notes on methodology, Southern Economic Journal, 24, pp. 259–270. doi: 10.2307/1055060
  • Callon, M. (Ed.) (1998) The Laws of the Markets (Oxford: Blackwell Publishers/The Sociological Rewiev).
  • Callon, M. (2007a) An essay on the growing contribution of economic markets to the proliferation of the social, Theory, Culture & Society, 24, pp. 139–163. doi: 10.1177/0263276407084701
  • Callon, M. (2007b) What does it mean to say that economics is performative?, in: D. Mackenzie, F. Muniesa, and Lucia Siu (Ed.) Do Economists Make Markets? On the Performativity of Economists, pp. 311–357 (Princeton: Princeton University Press).
  • Chipin. (2015) Chipin: Driven by data [Online]. Available at http://eng.chipin.nl/ (accessed 4 August 2017).
  • Clifford, K. A. and Iuculano, R. P. (1987) AIDS and insurance: The rationale for AIDS-related testing, Harvard Law Review, 100, pp. 1806–1824. doi: 10.2307/1341233
  • Daniels, N. (1990) Insurability and the HIV epidemic: Ethical issues in underwriting, The Milbank Quarterly, 68, pp. 497–525. doi: 10.2307/3350192
  • Drive Like A Girl. (2017) Drive like a girl [Online]. Available at https://www.drivelikeagirl.com/.
  • Ernst & Young. (2016) Introducing ‘Pay As You Live’ (PAYL) Insurance. Insurance that rewards a Healthier Lifestyle (Ernst & Young).
  • Ewald, F. (1991) Insurance and risk, in: G. Burchell, G. Colin, and Peter Miller (Eds) The Foucault Effect: Studies in Governmentality, pp. 197–210 (Chicago: University of Chicago Press).
  • Ewald, F. (2002) The return of descartes's malicious demon: An Outline of a Philosophy of Precaution, in: T. Baker, and Jonathan Simon (Eds) Embracing Risk. The Changing Culture of Insurance and Responsibility, pp. 273–301 (Chicago and London: The University of Chicago Press).
  • Fairzekering. (2014) This is Fairzekering [Online]. Available at https://vimeo.com/123722811 (accessed 4 August 2017).
  • Finkelstein, A. (2015) Moral hazard in health insurance. developments since arrow (1963), in: A. Finkelstein (Ed.) Moral Hazard in Health Insurance, pp. 13–43 (New York: Columbia University Press).
  • Flyvbjerg, B. (2011) Case study, in: N. K. Denzin and Y. S. Lincoln (Eds) The SAGE Handbook of Qualitative Research, pp. 301–317 (London: Sage).
  • Frerichs, S. (2011) False promises? A sociological critique of the behavioural turn in law and economics, Journal of Consumer Policy, 34, pp. 289–314. doi: 10.1007/s10603-011-9164-7
  • Haberman, S. and Sibbet, T. A. (1995) The history of actuarial science, in: S. Haberman and T. A. Sibbet (Eds) History of Actuarial Science, pp. xix–lxxxiii (London: William Pickering).
  • Hacking, I. (1990) The Taming of Chance (Cambridge: Cambridge University Press).
  • Horstman, K. (2001) Public Bodies, Private Lives: The Historical Construction of Life Insurance, Health Risks, and Citizenship in the Netherlands 1880-1920 (Rotterdam: Erasmus Publishing).
  • IA|BE. (2015) Big Data: An Actuarial Perspective (Brussels: Institute of Actuaries in Belgium).
  • Karp, G. (2012) Safe driver? Consider telematics. Chicago Tribune [Online]. Available at http://articles.chicagotribune.com/2012-10-26/classified/sc-cons-1025-karpspend-telematics-20121025_1_drive-safe-save-auto-insurance-premium-drive-wise (accessed 26 October 2012).
  • Laffont, J.-J. and Martimort, D. (2002) The Theory of Incentives: The Principal-Agent Model (Princeton: Princeton University Press).
  • Landes, X. (2015) How fair is actuarial fairness?, Journal of Business Ethics, 128, pp. 519–533. doi: 10.1007/s10551-014-2120-0
  • Latour, B. (1987) Science in Action (Cambridge: Harvard University Press).
  • Latour, B. (2005) Reassembling the Social: An Introduction to Actor-Network-Theory (Oxford: Oxford University Press).
  • Law, J. (2004) After Method: Mess in Social Science Research (London: Routledge).
  • Leaver, A. (2015) Fuzzy knowledge: An historical exploration of moral hazard and its variability, Economy and Society, 44, pp. 91–109. doi: 10.1080/03085147.2014.909988
  • Lehtonen, T.-K. and Van Hoyweghen, I. (2014) Editorial: Insurance and the economization of uncertainty, Journal of Cultural Economy, 7, pp. 532–540. doi: 10.1080/17530350.2013.875929
  • Lucivero, F. and Prainsack, B. (2015) The lifestylisation of healthcare? ‘Consumer genomics’ and mobile health as technologies for healthy lifestyle, Applied & Translational Genomics, 4, pp. 44–49. doi: 10.1016/j.atg.2015.02.001
  • Mackenzie, D. (2008) An Engine, Not a Camera: How Financial Models Shape Markets (Cambridge: The MIT Press).
  • Mackenzie, D., Muniesa, F. and Siu, L. (2007) Introduction, in: D. Mackenzie, F. Muniesa and Lucia Siu (Eds) Do Economists Make Markets? On the Performativity of Economics, pp. 1–19 (Princeton: Princeton University Press).
  • Mankiw, N. G. and Taylor, M. P. (2014) Economics, 3rd ed. (Hampshire: CENGAGE Learning).
  • Martinéz, A. J. H., Teira, D. and Pradier, P.-C. (2016) What was fair in actuarial fairness. Documents de travail du centre d'économie de la Sorbonne, 2016.
  • Mcfall, L. (2014) Devising Consumption: Cultural Economies of Insurance, Credit and Spending (London: Routledge).
  • Meikle, J. (1865) An Analysis of the Profits of Life Assurance: Being Four Papers Read Before the Actuarial Society, Edinburgh (Edinburgh: Thomas Constable).
  • Mol, A. (2002) The Body Multiple: Ontology in Medical Practice (Durham, NC: Duke University Press).
  • Mowbray, A. H. (1937) Insurance: Its Theory and Practice in the United States, Second ed. (New York & London: McGraw-Hill Book Company).
  • Porter, T. M. (2000) Life insurance, medical testing, and the management of mortality, in: L. Daston (Ed.) Biographies of Scientific Objects, pp. 226–246 (Chicago: The Chicago University Press).
  • Prainsack, B. (2015) Is personalized medicine different? (Reinscription: the sequel): A response to Troy Duster, The British Journal of Sociology, 66, pp. 28–35. doi: 10.1111/1468-4446.12117
  • Rebert, L. and Van Hoyweghen, I. (2015) The right to underwrite gender: The goods & services directive and the politics of insurance pricing, Tijdschrift Voor Genderstudies, 18, pp. 413–431. doi: 10.5117/TVGN2015.4.REBE
  • Siegelman, P. (2004) Adverse selection in insurance markets: An exaggerated threat, The Yale Law Journal, 113, pp. 1223–1281. doi: 10.2307/4135724
  • Stiglitz, J. E. (2015) Foreword, in A. Finkelstein (Ed.) Moral Hazard in Health Insurance, pp. vi–xi (New York: Columbia University Press).
  • Stone, D. A. (1993) The struggle for the soul of health insurance, Journal of Health Politics, Policy and Law, 18, pp. 287–317. doi: 10.1215/03616878-18-2-287
  • Swiss Re. (2011) Fair Risk Assessment in Health & Life Insurance (Zurich, Swiss Re).
  • Swiss Re. (2015) Life Insurance Risk Selection: Required Differentiation or Unfair Discrimination? (Zurich: Swiss Re).
  • Swiss Re. (2016) Wearables: New technology—new risks. Trend Spotlight. Swiss Re.
  • Thaler, R. H. (2015) Misbehaving: The Making of Behavioural Economics (London: Penguin Books).
  • Thaler, R. H. and Sunstein, C. R. (2008) Nudge: Improving Decisions about Health, Wealth and Happiness (London: Penguin Books).
  • Thiery, Y. and Van Schoubroeck, C. (2006) Fairness and equality in insurance classification, The Geneva Papers on Risk and Insurance—Issues and Practice, 31, pp. 190–211. doi: 10.1057/palgrave.gpp.2510078
  • Topol, E. J. (2015) The Patient Will See You Now: The Future of Medicine Is in Your Hands (New York: Basic Books).
  • Van Hoyweghen, I. (2007) Risks in the Making: Travels in Life Insurance and Genetics (Amsterdam: Amsterdam University Press).
  • Van Hoyweghen, I. (2014) On the politics of calculative devices: Performing life insurance markets, Journal of Cultural Economy, 7, pp. 334–352. doi: 10.1080/17530350.2013.858062
  • Vercammen, J. A. and Pannell, D. J. (1996) The Economics of Crop Hail Insurance (Nedlands: Faculty of Agriculture).
  • Yeung, K. (2016) ‘Hypernudge’: Big data as a mode of regulation by design, Information, Communication & Society, 20, pp. 118–136. doi: 10.1080/1369118X.2016.1186713
  • Zweifel, P. and Eisen, R. (2012) Insurance Economics (Berlin: Springer Verlag).

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.