Hato Schmeiser
Title
Prof. Dr.
Last Name
Schmeiser
First name
Hato
Email
hato.schmeiser@unisg.ch
Phone
+41 71 224 3650
Web Site
236 results
Now showing 1 - 10 of 236
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Item type:Publication, Limited Information and its Impact on a Policyholder's Optimal Choice on Deductibles(Institut für Versicherungswirtschaft (I.VW-HSG), 2022); ; When determining the optimal deductible level for an insurance policy, a policyholder faces two sources of uncertainty. First, uncertainty arises from the randomness of future losses. Second, the opacity of the functional forms of the policyholder’s loss distribution and utility function also contributes to uncertainty. While the academic literature focuses on the former, we additionally include limited information on these functional forms in our model setting to reflect real-world decision making. That is, we draw on an expected utility framework and analyze the relationship between optimal deductible levels under limited and full information. We also derive several decision rules under limited information in order to approximate the optimal deductible level under full information. To support real-world decision making, these rules could be easily implemented in an online decision aid.Type:journal articleJournal:I.VW-HSG Working Papers on Risk and InsuranceIssue:257 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Pricing strategies in the German term life
insurance market: An empirical analysisType:journal articleJournal:Risk Management and Insurance ReviewScopus© Citations 4 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Investment guarantees in financial products: an analysis of consumer preferencesType:journal articleJournal:The Geneva Papers on Risk and Insurance - Issues and PracticeScopus© Citations 3 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Insurability of Pandemic RisksType:journal articleJournal:Journal of Risk and InsuranceVolume:88Issue:4Scopus© Citations 25 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, The Relationship Between Net Promoter Score and Insurer’s Profitability: An Empirical Analysis on the Customer LevelThis paper examines the relationship between customer satisfaction and profitability at the level of the individual customer. In many industries, investigations detect a positive, decreasing relationship between customer satisfaction and firm profitability. The insurance industry has rarely been the object of such investigations. Pooser and Browne (2018) started this discussion in 2018 by examining U.S. insurers at the firm level. We provide reasons why the positive satisfaction-profitability relationship might be reversed, particularly in the case of the insurance industry. We conduct an array of OLS regressions with customer level data. Our results reveal a strong positive relationship between customer satisfaction and profitability. The effect is considerably large and also robust when investigating the effect of several customer characteristics on this relationship. We recommend that the increase in profitability is induced by a strong positive correlation between customer satisfaction and premium income, while satisfaction is not associated with the combined ratio.Type:journal articleJournal:Geneva Papers on Risk and Insurance - Issues and PracticeVolume:(forthcoming)Scopus© Citations 17 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, What drives policyholders’ relative willingness to pay?Type:journal articleJournal:Journal of Financial Transformation - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Sometimes more, sometimes less: Prudence and the diversification of risky insurance coverageType:journal articleJournal:European Journal of Operational ResearchVolume:292Issue:2Scopus© Citations 4 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Scopus© Citations 7 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Optimal pooling strategies under heterogeneous risk classesType:journal articleJournal:Journal of Risk FinanceVolume:21Issue:3 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, The merits of pooling claims: Mutual vs. stock insurers(2020); Orozco-Garcia, CarolinaType:journal article