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Nicolas Christina

Adjointe scientifique HES

Hauptvertrag

Adjointe scientifique HES

Büro: B 5.13

Haute école de gestion de Genève
Campus Battelle, Rue de la Tambourine 17, 1227 Carouge, CH

Bereich
Economie et services

Hauptstudiengang
Economie d'entreprise

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2021

Trust in insurance :

Wissenschaftlicher Artikel ArODES

the importance of experiences

Christophe Courbage, Christina Nicolas

Journal of risk and insurance, 2021, vol. 88, no. 2, pp. 263-291

Link zur Publikation

Zusammenfassung:

This paper investigates the predictors of trust in insurance and the importance of experiences in a cross‐country setting using a recent insurance industry survey conducted in seven industrialized countries. Preliminary data analysis reveals a very high prevalence of bad experiences with insurance whereby more than 50% of respondents acknowledge having had a bad experience with insurance. Our main findings show that experiences with insurance are one of the most important factors influencing trust in insurance, with the negative effect of a bad experience being more pronounced than the positive effect of a good experience. We also find that trust in insurance is higher among females, younger and less educated individuals, while being lower among individuals with higher insurance literacy. Additionally, access to insurance information through the internet is associated with lower trust in insurance, while higher trust is observed among individuals using newspapers and magazines.

On the association between insurance deductibles and prevention behaviour :

Wissenschaftlicher Artikel ArODES

evidence from the Swiss health system

Christophe Courbage, Christina Nicolas

Journal of risk and financial management, 2021, vol. 14, no. 4, article 150, pp. 1-15

Link zur Publikation

Zusammenfassung:

Many studies have attempted to investigate the drivers of preventive behaviour. This study contributes to this strand of literature by examining the association between higher insurance deductibles in the Swiss health system and preventive behaviour that allows for maintaining a good diet, exercising and limiting/abstaining from smoking and alcohol consumption. To conduct our study, we made use of the 2017 Swiss Health Survey and employed an ordered probit model with each prevention aspect as a dependant variable. Our results show that, except for alcohol consumption, higher insurance deductibles were significantly associated with higher behavioural prevention. Our study also highlighted how numerous other factors influenced prevention and offered some guidance for public policies to further incentivise prevention decisions.

2022

How did Swiss small and medium enterprises weather the Covid-19 pandemic ? :

Konferenz ArODES

evidence from survey data

Christina Nicolas, Nathalie Brender, David Maradan

Proceedings of the 6th International Conference on Applied Economics and Business

Link zur Konferenz

Zusammenfassung:

The Covid-19 pandemic had unprecedented consequences on businesses in general and on small and medium enterprises in particular. The aim of this paper is to empirically study the impact of the Covid-19 sanitary crisis on Swiss SMEs two year after the onset of the pandemic. Using a sample of 149 SMEs operating in the French-speaking region of Switzerland, we find that revenue loss across the full sample averaged 14% in 2020 compared to 2019. Our results show that firm characteristics are not significant in explaining this turnover loss while business management strategies such as business restructuring, remote working, and prioritizing employee protection were significantly associated with revenue. Additionally, we quantify the impact of closure on SMEs and find that SMEs having reported to have closed partially or completely due to sanitary restrictions were seven times more impacted in terms of revenue loss compared to SMEs who did not cease their activity during the Covid-19 crisis. This paper contributes to our understanding of the magnitude of the Covid-19 sanitary crisis on SMEs and the sheds light on the importance of implementing efficient business management strategies in smaller businesses in times of crisis.

2019

Who trusts insurance ? Empirical evidence from seven industrialised countries

Konferenz ArODES

Christophe Courbage, Christina Nicolas

Proceedings of the 46th Annual Seminar of the European Group of Risk & Insurance Economists

Link zur Konferenz

Zusammenfassung:

While the importance of trust in insurance is widely recognised, surprisingly, existing literature on the determinants of trust in insurance remains scarce. This paper investigates the determinants of trust in insurance in seven industrialised countries in Europe, North America and Asia using data from a recent insurance industry survey. We find that trust in insurance is higher among females, younger individuals, and less educated people. On the contrary, people who are more insurance literate have higher trust in insurance. Our findings also show that experiences with insurance are one of the most important determinants of trust in insurance, with the negative effect of a bad experience being more pronounced than the positive effect of a good experience. Finally, access to information related to insurance through the internet deters trust in insurance, while access to information through newspapers and magazines promotes it.

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