Evaluating and pricing health insurance in lower-income countries : a field experiment in India / Anup Malani (University of Chicago), Cynthia Kinnan (Tufts University), Gabriella Conti (University College London and IZA), Kosuke Imai (Harvard University), Morgen Miller (University of Chicago), Shailender Swaminathan (Brown University), Alessandra Voena (Stanford University), Bartek Woda (Amazon) ; IZA Institute of Labor Economics