WorldWideScience

Sample records for accident insurance

  1. Bundled automobile insurance coverage and accidents.

    Science.gov (United States)

    Li, Chu-Shiu; Liu, Chwen-Chi; Peng, Sheng-Chang

    2013-01-01

    This paper investigates the characteristics of automobile accidents by taking into account two types of automobile insurance coverage: comprehensive vehicle physical damage insurance and voluntary third-party liability insurance. By using a unique data set in the Taiwanese automobile insurance market, we explore the bundled automobile insurance coverage and the occurrence of claims. It is shown that vehicle physical damage insurance is the major automobile coverage and affects the decision to purchase voluntary liability insurance coverage as a complement. Moreover, policyholders with high vehicle physical damage insurance coverage have a significantly higher probability of filing vehicle damage claims, and if they additionally purchase low voluntary liability insurance coverage, their accident claims probability is higher than those who purchase high voluntary liability insurance coverage. Our empirical results reveal that additional automobile insurance coverage information can capture more driver characteristics and driving behaviors to provide useful information for insurers' underwriting policies and to help analyze the occurrence of automobile accidents.

  2. FUNDING OF ACCIDENT INSURANCE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    O. Gamankova

    2016-03-01

    Full Text Available The paper deals with the peculiarities of financial provision of public and private accident insurance. Analyzes the methodology of forming insurance premium rates in private accident insurance. The study examines the practice of reforming the financial security of the state social insurance against accidents. The results show need to implement scientifically proven approach to determining premium rates in the state social insurance based on mathematical statistics and actuarial calculations to ensure that such conditions on the one hand, can insure the risk, and the other - to provide the insurer the ability to perform insurance obligations' commitments. One of the promising areas of improvement Accident Insurance determines to define increasing the role of the private sector to create and attraction of investments, financing, reduce costs, and provision of insurance services on insurance against accidents at a qualitatively higher level. The results show the need to consider the usefulness of a mixed provision of services to accident insurance under state or non-state system, and the viability and effectiveness of the combination of these systems.

  3. INSTITUTIONAL SUPPORT SOSIAL INSURANCE AGAINST OCCUPATIONAL ACCIDENTS IN UKRAINE

    Directory of Open Access Journals (Sweden)

    O. Gamankova

    2015-04-01

    Full Text Available The paper deals with the peculiarities of formation of relationships in the reform of social security. Examines institutional support provided social insurance accidents with the latest trends reform of the sector. The study notes that the organization of social security is lost insurance principle, the general principles of the Social Insurance Institute, added other excess principles that form the basis for misappropriation of funds and various abuses. These problems are urgent and require research. The paper reviews the basic principles to achieve the optimal balance of economic and social needs of providing social protection of citizens of Ukraine. The results emphasize the need for heightened security procedures for consolidation of compulsory state social insurance against industrial accidents and the State Mandatory Social Insurance against disability.

  4. [Evaluation of suicide in legal accident insurance and private insurance].

    Science.gov (United States)

    Möllhoff, G

    1989-11-01

    The thesis, that suicides are chiefly understood to be terminal stage developments and indemnified through compliance with prerequisites of the insurance law norm, is critically explained with regard to the scientific-theoretical evolution. Recent interdisciplinary investigations (epidemiology, statistics, sociology, psychology, psychiatry) as well as the changing approach of a large section of the population towards suicidal behaviour (self-determination and the responsibility of the individual, human dignity, breaking away from handed down moral judgements) show that the estimation held with cogency in many quarters with respect to suicide as being a reliable symptom of a disease, cannot be maintained. This result is further supported by the record number of individuals, within the sphere of the private insurance, finding themselves in financial and political "marginal situations" (class and social problems, material safeguard for families and the like) and committing suicide after reasonably pondering their dilemma; a condition which in many aspects comes close to "balance suicide". From an insurance medical angle the relevant statutory provisions and the supreme court jurisdiction of the last years are put forward to the medical experts with the requirements derived hereunder. PMID:2588397

  5. [Cardinal errors in expert opinions for the statutory accident insurance].

    Science.gov (United States)

    Ludolph, E

    2015-11-01

    Expert opinions are subject to restrictions and must abide by the rules laid down by the legal system, much more so than therapies. Cardinal errors in expert opinions for the statutory accident insurance (GUV) are sometimes mistakes which can be found in all forms of expert opinions but in some cases where special questions of social law and the statutory accident insurance are concerned. The first group of mistakes are the differences between the requirements of an expert and a therapist with respect to the certainty of expert opinions, the responsibility of the commissioning authority alone for the non-medical components of an expert opinion, the generally valid principle of only giving opinions on areas of proven expertise and the extremely important aspect of personal responsibility. The second group of mistakes involve specific questions for the statutory accident insurance, such as the principles of causality, the rules of evidence, the estimation of the consequences of an accident with respect to reduction in earning capacity (MdE) and the significance of pre-existing damage. PMID:26446721

  6. Estimating the Effect of a Change in Insurance Pricing Regime on Accidents with Endogenous Mobility

    OpenAIRE

    Georges Dionne; Benoit Dostie

    2007-01-01

    In this paper, we estimate the impact of introducing a bonus-malus system on the probability of having automobile accidents, taking into account contract duration or the client mobility between insurers. We show that the new incentive scheme reduces accident rates of all policyholders when contract duration is taken into account, but does not affect accident rates of movers that shirk the imposed incentive effects of the new insurance pricing scheme.

  7. Current practice of the social insurance against occupational accidents in paying compensation for occupational diseases induced by ionizing radiation

    International Nuclear Information System (INIS)

    The companies for social insurance against occupational accidents form part of the statutory accident insurance system, and are responsible for compensation of occupational accidents or diseases. The compensation practice adopted by them is determined by legal provisions, which are explained in this paper as a background to the discussion of individual cases and the relevant decisions. (orig.)

  8. A methodological proposal to evaluate the cost of duration moral hazard in workplace accident insurance

    OpenAIRE

    Martín-Román, Angel; Moral, Alfonso

    2015-01-01

    The cost of duration moral hazard in workplace accident insurance has been amply explored by North-American scholars in both the USA and Canada. Given the current context of financial constraints in public accounts and particularly in the Social Security system, we feel that the issue merits inquiry in the case of Spain. The present research also posits a methodological proposal using the econometric technique of stochastic frontiers, which allows us to break down the duration of work-related...

  9. Criticality accident in uranium fuel processing plant. Efficacy of insurance and third party inspection system. Capability margins of insurance, in view of bitter experience at JCO

    International Nuclear Information System (INIS)

    Among persons relating to safety engineering, most of them point out merit and demerit of safety theory in Japan since a long term before. Under national policy aiming at growth and expansion due to a policy under leading of government after war, running for about 50 years remained some strains containing a number of contradictions and absurdities in various fields. Here was described mainly on how to be done safety accident protection and inspection on a base of happenings incidentally seen at a chance of the criticality accident. Therefore, here were also established some viewpoints such as transferable risk, limit from insurance feature, genealogy of insurance, under-writing, and risk management, to mention effectiveness of the third party inspection with closed relationship with accident insurance. (G.K.)

  10. 论交通事故豪车险%On Traffic Accident Insurance for Luxury Cars

    Institute of Scientific and Technical Information of China (English)

    黄燕香

    2015-01-01

    Owners of ordinary cars and owners of luxury cars have equal legal status,bearing the same responsibilities and obligations,but in traffic accidents involving both ordinary cars and luxury cars,the compensation results are not in line with people’s concept of justice. Therefore,it is of significance to balance the rights and obligations of owners of ordinary cars and luxury cars when traffic accidents occur. The current legal system and insurance system cannot solve the problem of unreasonable compensation after the accident. The author holds that conflicts between ordinary and luxury car owners can be eased by setting insurance for luxury cars which can help achieve substantial justice,protecting equal road rights,and the weaker party in traffic accidents. The luxury vehicle insurance compensation covers only property damage caused by ordinary vehicles. For this purpose,the insurance system is to be reformed to clearly define the maximum amount of compensation and the lowest amount of premium for luxury vehicle insurance.%普通车车主与豪车车主在法律上具有平等的主体地位,承担相同的责任与义务,但是在普通车辆撞上豪车后,赔偿结果却不符合人们的正义观。在交通事故发生时,有效平衡普通车车主和豪车车主的权利义务显得至关重要,但是目前的法律体系及相应的保险制度还无法解决交通事故中存在的普通车辆需要承担巨额赔偿的不合理现象。本文认为,通过设置豪车险,可以缓解目前普通车辆与豪车发生交通事故时存在的矛盾冲突,实现实质正义、路权平等、保护弱势等目的。在交通事故中,豪车险的赔偿范围主要适用于普通车辆造成豪车财产损害的情形。同时,为了与豪车险的设置相配套,应对现行保险制度进行改革,明确保险公司的最高赔偿额以及豪车险的最低强制投保额。

  11. DENSITY AND PENETRATION INSURANCE ON ACCIDENT & HEALTH PREMIUMS IN FUTURE IMPLEMENTATION OF SOLVENCY II – EMPIRICAL STUDY

    Directory of Open Access Journals (Sweden)

    PODOABÃ LUCIA

    2015-04-01

    Full Text Available The purpose of this paper is to present an empirical study regarding density and penetrat ion on accident & health premiums. At the beginning, we have presented the motivations of this research, highlighting and explaining the specific factors which influence the density and insurance penetration. Implementation of Solvency Directive at European level, in the field of insurance is through specific consequences. The changes made to accounting legislation at national, European and international level, with consequences on specific information presented in the financial statements of insurance companies, was another reason of our research. The appearance of the IFRS 4 "Insurance contracts", followed by its evolution phases allowed the creation of XBRL's in as the international standard of publication, exchange and financial analysis of data reported . Also, we cannot forget that the legislative changes in accounting have interesting consequences on economic risk management specific to this field, in terms of huge efforts from national and European supervisory authorities to control and prevent the ban kruptcy of its firms. For planning and implementation of supervisors’ measures, the important tasks were established by the quantitative impact studies, the stress tests and the analyses of different scenarios, all performed in insurance companies. Thus, w e conduct an analysis on a sample of 32 countries and a horizon of 10 years (2004 -2013, being tested 2 linear regression models. The results will confirm the link between level of economic development and accident & health insurance activity, but exclude the relationship between penetration factor and this type of insurance

  12. The role of insurance in the prevention of work-related accidents in France in the first half of the 20th century.

    Science.gov (United States)

    Ruffat, M

    1998-01-01

    Insurance has played a role in the develoment of prevention of work-related accidents in several ways in France since the industrical revolution. The first attempts at prevention were taken at the initiative of manufacturers' associations, but it remained a matter of goodwill for manufacturers. The 1898 law gave systematic, if partial, financial responsability for occupational hazards to employers, who turned to insurance companies to carry the risks. As a result a new branch of insurance (assurance-loi) appeared, which accounted for 40% of general accident revenue for companies at the time of World War II. But the new law made no mention of prevention and even had a negative impact, since compensation was taken care of by insurance. However, after World War I, insurance companies created an association for the prevention of work-related accidents and illnesses and started to adjust rates according to the prevention efforts of corporations. When social insurance was generalized in 1946, insurance of occupational hazards went under state control and became compulsory. But the experience accumulated in the field of prevention by insurance companies was put to use in this new context, both on the technical side and the financial side.

  13. Accident and Health Insurance Fraud Probability Detection%意外、健康保险欺诈概率识别

    Institute of Scientific and Technical Information of China (English)

    周建涛; 秦炳山; 宋晓东

    2014-01-01

    The insurance claim process is often accompanied by the claimant exaggerated claims. This article regresses the 258 accident and health insurance sample data of claiming litigations between 2000 and 2011 with descriptive statistics and Logistic model, finding that the 41-50 and 51-60 year-old is worse than the other year-old, and the 41-50 with the highest fraud frequency and the 51-60 with the highest fraud probability; the worker' fraud is worse than the others'; Beijing is worse than other areas, and Beijing suburb worse than Beijing city; fraud is significantly positive with insurance amount, the death insurance from illness with the largest fraud amounts, fraud is significantly negative with insurance term, casualty hospitaliza-tion insurance with the highest fraud frequency, health insurance worse than accident; strain/sprain fraud is worse than trauma, troublemaker in a traffic accident worse than the injured, the insured fraud worse than the insurant, fraud with non-lawyer worse than that with lawyer.%保险理赔过程中时常发生投保方欺诈现象,通过对实证调研的2000-2011年度258个意外、健康保险理赔诉讼样本进行描述性统计和Logistic回归,发现年龄41~60岁欺诈概率甚于其他年龄段,年龄41~50岁欺诈频次最高,年龄51~60岁欺诈概率最大,工人欺诈概率甚于其他职业,北京欺诈概率甚于外地,北京郊区县欺诈概率甚于北京市区;保险金额与欺诈概率正相关,疾病身故保险欺诈金额最大,保险期间与欺诈概率负相关,意外伤害住院医疗保险欺诈频次最高,健康险欺诈概率甚于意外险;摔扭伤欺诈概率甚于其他伤害,交通事故机动车司机欺诈概率甚于交通事故非机动车伤害,被保险人索赔欺诈概率甚于投保人索赔,非律师参与欺诈概率甚于律师参与。

  14. Discussion on the establishment of medical accident insurance system%试论医疗意外保险制度的创设

    Institute of Scientific and Technical Information of China (English)

    黄玫

    2015-01-01

    In recent years,the relationship between doctors and patients has become an important factor affecting the social harmony in the present stage.Medical disputes are happening all over the country,so that the relationship between doctors and patients has become the attention focus and hot issues of social public.Therefore,exploring the effective and low cost settlement mechanism of medical disputes has become an urgent requirement for the reconstruction and maintenance of good relationship between doctors and patients.Insurance is a risk management system for spreading the risk and transferring loss.This paper is based on the analysis of medical accident characteristics,risk management model,medical accident insurance practice,the idea of building a medical accident insurance is put forward.It hopes to spread the risk and transfer loss.It can build a harmonious relationship between doctors and patients.%近几年来,医患关系已经成为影响现阶段社会和谐的重要因素.全国各地不断发生医疗纠纷,让医患关系成为社会各界广泛关注的焦点和热点问题.因此,探索医疗纠纷高效率、低成本的解决机制是已成为重塑和维系良好的医患关系的迫切要求.保险是分散危险和转嫁损失的风险管理制度,本文在分析医疗意外特征、风险管理模式、医疗意外保险实务的基础上,提出构建医疗意外保险的设想,以期分散危险和转嫁损失,构建和谐的医患关系.

  15. On the Improvement of Employment Injury Insurance System on Commuting Accident in China%我国通勤事故保障制度的完善

    Institute of Scientific and Technical Information of China (English)

    郭颖华

    2016-01-01

    It is less seen to protect employees from risks according to Workers ’ Compensation Act in common-law countries while employees are going to or coming from work. In civil-law countries , risks of commuting accidents are viewed as different from traditionally occupational risks , and the whole system is divided into two types in the coverage, insurance, benefits and so on. Although the employees got injured on the way to work or back home, they could still be protected by the law. German law has provided the prototype of employment injury insurance system. China has her own opinions on how to deal with the commuting accidents which is totally different from Germany. Improving measures should be taken to make it better and more reasonable in mainland China.%普通法系国家大多不通过员工赔偿制度保障通勤事故,大陆法系国家虽通过工伤保险保障通勤事故,但认为通勤事故与传统工伤事故不同,故在制度设计上,包括通勤事故缴费制度、待遇制度、基金运作等方面有别于传统工伤事故。我国工伤保险制度与大陆法系国家一脉相承,然通勤事故却严格按照传统工伤事故处理,实不符合制度原理,因此应对通勤事故工伤保险的具体制度进行完善。

  16. Study on the Issues of Accident Medical and Catastrophe Insurance in China Mainland%我国巨灾人身意外医疗保险若干问题的研究

    Institute of Scientific and Technical Information of China (English)

    石兴

    2014-01-01

    The unworkable situation in the market of accident medical and catastrophe insurance is proved by many cases and a lot of data. The main reason is that catastrophe risk belongs to national safety risk, and accident medical and catastrophe insurance is a public product, which needs government intervention. We should break through the forbidden area of regulatory policy, and classify it as social insurance. Therefore, taking this as the key point for government intervention, this paper brielfy introduces the framework of market intervention, and also considers relevant factors for the design of accidental medical and catastrophe insurance.%大量巨灾事例和数据证实巨灾意外及其医疗险市场存在失灵,其主要原因是巨灾风险属于国家安全风险,巨灾意外及其医疗险是公共产品,需要政府干预;这就需要突破监管政策禁区,将巨灾意外医疗险列为社会政策性保险。文章以此作为政府干预的核心,简述了市场干预的基本框架,并对巨灾意外及其医疗险产品设计因素作了相应思考。

  17. 人身意外伤害保险中介代理互联网销售系统的设计与实现%The Design and Realization of Personal Accident Insurance Agency Internet-based Sale System

    Institute of Scientific and Technical Information of China (English)

    文承标; 宋小天; 李杨

    2014-01-01

    This paper briefly introduced the design and realization of Personal accident insurance Agency Internet-based Sale System of China Life Insurance Company Limited Hunan Branch. Real-time printing out policy by Personal accident insurance Agency has been realized by the system, as well as real-time docking with the company's Short-term Life-insurance Business Processing System, Voucher Management System, The system has strong scalability and practicality.%介绍了中国人寿保险股份有限公司湖南省分公司人身意外伤害保险中介代理互联网销售系统的设计与实现。该系统实现了人身意外伤害保险中介代理实时出单,以及与公司短险业务处理系统、单证管理系统的实时对接,具有较强的可扩展性和实用性。

  18. Bases epidemiológicas do Fator Acidentário Previdenciário Epidemiological foundations of the Accident Insurance Factor

    Directory of Open Access Journals (Sweden)

    Vilma Sousa Santana

    2005-12-01

    Counsel of the Ministry of Social Insurance approved the Resolution N. 1.236 of 28/4/2004 that defines a new methodology to assess the value of taxes to be paid by firms, for occupational health related insurance costs. This methodology utilizes the Accident Insurance Factor, (Fator Acidentário Previdenciário FAP, based on relative risks estimated for each industry trade. As part of its validation strategy, the Social Insurance Ministry decided to evaluate the epidemiological consistency of FAP. OBJECTIVE: The FAP purposes, data sources, the nature of the overall methodology, its advantages and limitations are all discussed, as well as its applicability and potential future impact on the Social Insurance Ministry budget and on the workers' health and safety. METHODS: A documental analysis was conducted with the Resolution text and its attached essay. RESULTS: The FAP represents an advance because of its transparent scientific criteria that may allows reduction of taxes, when improvement in work conditions and the resulting decrease in diseases or injuries are observed. It also overcomes problems of definition and assessment of occupational causal relationships because overall diseases and injuries will be considered regardless of their causal relation to occupational exposures. Since taxes can be reduced as work and health conditions improve, it may contribute to a more effective participation of employers in prevention. CONCLUSIONS: It is necessary to systematically and continuously monitor the application of FAP, with extensive society participation, reviewing and adjusting it to the distinct economic, social and health scenarios in the country, considering its impact on the Social Insurance budget.

  19. Health insurance basic actuarial models

    CERN Document Server

    Pitacco, Ermanno

    2014-01-01

    Health Insurance aims at filling a gap in actuarial literature, attempting to solve the frequent misunderstanding in regards to both the purpose and the contents of health insurance products (and ‘protection products’, more generally) on the one hand, and the relevant actuarial structures on the other. In order to cover the basic principles regarding health insurance techniques, the first few chapters in this book are mainly devoted to the need for health insurance and a description of insurance products in this area (sickness insurance, accident insurance, critical illness covers, income protection, long-term care insurance, health-related benefits as riders to life insurance policies). An introduction to general actuarial and risk-management issues follows. Basic actuarial models are presented for sickness insurance and income protection (i.e. disability annuities). Several numerical examples help the reader understand the main features of pricing and reserving in the health insurance area. A short int...

  20. Claims expenses and insurance capacity in third party liability insurance

    International Nuclear Information System (INIS)

    The Chernobyl accident reminded insurers that the potential expenses connected with the handling and settlement of claims following a major nuclear accident can be very significant. These are a direct consequence of the accident and funds must be available to pay for these costs as well as for indemnities to victims. Claims expenses at present have to be borne by the insurers in addition to the sums insured for the compensation of third parties. If governments intend to increase the statutory amounts of liability, this would reduce the insurers' ability to make the maximum possible capacity available for indemnities to victims. Therefore, before increasing further the statutory limits of liability, governments should - in revising the Paris Convention - consider allowing insurers to include claims handling expenses in their total sums insured

  1. Accidents - Chernobyl accident; Accidents - accident de Tchernobyl

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2004-07-01

    This file is devoted to the Chernobyl accident. It is divided in four parts. The first part concerns the accident itself and its technical management. The second part is relative to the radiation doses and the different contaminations. The third part reports the sanitary effects, the determinists ones and the stochastic ones. The fourth and last part relates the consequences for the other European countries with the case of France. Through the different parts a point is tackled with the measures taken after the accident by the other countries to manage an accident, the cooperation between the different countries and the groups of research and studies about the reactors safety, and also with the international medical cooperation, specially for the children, everything in relation with the Chernobyl accident. (N.C.)

  2. On the Issues Concerning the Victim' s Exercise of Direct Pleading Right in Compulsory Traffic Accident Liability Insurance%交强险中受害人直接请求权行使若干问题研究

    Institute of Scientific and Technical Information of China (English)

    李向彬; 曾兴华; 喻啸

    2012-01-01

    It is a function of compulsory traffic accident liability insurance to grant the victim of a motor vehicle road accident the right of direct pleading. As such, it epitomizes the human -centered concern of law. Based on the current legal framework, this paper explores such issues as the denotation of the victim exercising the right of direct pleading, the sub- ject to whom the victim pleads, the conditions for direct pleading and the defense of the insurer as to the victim. It is hoped that this study can achieve iudicial and legal effects.%赋予机动车道路交通事故受害人享有赔偿的直接请求权是交强险制度功能的生动体现,也凸现法律的人文关怀。该文在现行法律的框架下,对行使直接请求权的受害人的外延、受害人行使直接请求权的对象、受害人取得直接请求权的条件以及保险人对受害人的抗辩等问题进行了较为深入的探讨,以期能对司法实践和法律完善提供有益的价值。

  3. Insurance frauds

    OpenAIRE

    Lešková, Michaela

    2014-01-01

    This bachelor's thesis deals with the insurance fraud issue. The theoretical part of this paper work describes the characteristics of the insurance fraud, its classification which is extend of committing insurance fraud in insurance products of life insurance and non-life insurance. I illustrate some groups of insurance products by using the graphs, which will continue to the practical part of the work. In this part I focus mainly on how clients of Insurance Company feel about insurance fraud...

  4. TRENDS IN SOCIAL SECURITY AGAINST ACCIDENTS AT WORK AND PROFESSIONAL DISEASES IN UKRAINE

    Directory of Open Access Journals (Sweden)

    O. Hamankova

    2014-03-01

    Full Text Available The article describes the main trends of formation and development of insurance against accidents. Defined position of the social insurance against accidents and professional diseases in the social protection system in Ukraine. Investigated the essence and content of social insurance against accidents.

  5. Insurance, risk, and magical thinking.

    Science.gov (United States)

    Tykocinski, Orit E

    2008-10-01

    The possession of an insurance policy may not only affect the severity of a potential loss but also its perceived probability. Intuitively, people may feel that if they are insured nothing bad is likely to happen, but if they do not have insurance they are at greater peril. In Experiment 1, respondents who were reminded of their medical insurance felt they were less likely to suffer health problems in the future compared to people who were not reminded of their medical insurance. In Experiment 2a, participants who were unable to purchase travel insurance judged the probability of travel-related calamities higher compared to those who were insured. These results were replicated in Experiment 3a in a simulation of car accident insurance. The findings are explained in terms of intuitive magical thinking, specifically, the negative affective consequences of "tempting fate" and the sense of safety afforded by the notion of "being covered." PMID:18612038

  6. 22 CFR 62.14 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance. 62.14 Section 62.14 Foreign... § 62.14 Insurance. (a) Sponsors shall require each exchange visitor to have insurance in effect which... amount of $10,000; and (4) A deductible not to exceed $500 per accident or illness. (b) An...

  7. The Normative Foundations of (Social) Insurance

    DEFF Research Database (Denmark)

    Landes, Xavier

    Insurance mechanisms are prevalent in industrialized societies, in both public and private sectors. Insurance is offered for various risks ranging from fire to accident. They also constitute the core of the modern welfare state (public health insurance, unemployment benefits and public pensions)....

  8. Accidents - Chernobyl accident

    International Nuclear Information System (INIS)

    This file is devoted to the Chernobyl accident. It is divided in four parts. The first part concerns the accident itself and its technical management. The second part is relative to the radiation doses and the different contaminations. The third part reports the sanitary effects, the determinists ones and the stochastic ones. The fourth and last part relates the consequences for the other European countries with the case of France. Through the different parts a point is tackled with the measures taken after the accident by the other countries to manage an accident, the cooperation between the different countries and the groups of research and studies about the reactors safety, and also with the international medical cooperation, specially for the children, everything in relation with the Chernobyl accident. (N.C.)

  9. Demand Pattern of Accident Insurance, Sensory Threshold and Inflation Rate:Empirical Analysis Based on Three-regime Threshold Regression Model%意外险的需求模式、感觉闻限与通货膨胀率

    Institute of Scientific and Technical Information of China (English)

    黄荣哲; 农丽娜

    2011-01-01

    Based on the quarterly data from 2000 to 2010, the empirical analysis shows that inflation rate distinctly affects the accident insurance de- mand and there is not a simple linear negative correlation between inflation rate and the premium growth rate of accident insurance. Firstly, the sensitiv- ity of accident insurance demand to inflation rate is marginally diminishing. Secondly, compared to inflation risk, the insured are more averse to defla- tion risk. Thirdly, in the vicinity of the threshold, demand patterns obvious- ly change and may affect accident insurance market, so insurance companies should adjust their marketing strategies in time when inflation rate is close to the threshold.%文章基于中国2000--2010年季度数据的实证分析表明,通货膨胀率不仅显著影响意外险需求,而且意外险保费收入增长率与通货膨胀率之间不是简单的线性负相关。首先,意外险需求对通货膨胀率的敏感程度是边际递减的;其次,与通货膨胀风险相比,投保人更加厌恶通货紧缩风险;最后,由于需求模式在门限值附近出现较大改变,可能会冲击意外险市场,当通货膨胀率接近门限值时保险公司应及时调整营销策略。

  10. Life insurance

    OpenAIRE

    Topič, Jakub

    2009-01-01

    The topic of this bachelor's project is life insurance. The theoretical part consists of literary research focussed not only on life insurance. The research begins with general introduction to the insurance issue, the basic division of insurance, its rules of law and as well some historical facts. The rest of the theoretical part is focussed on life insurance, where we can find basic division of life insurance, description of particular insurance types and various supplementary insurances. In...

  11. 46 CFR 326.4 - Reports of accidents and occurrences.

    Science.gov (United States)

    2010-10-01

    ... MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.4 Reports of accidents and... obtained P&I insurance through a marine insurance underwriter, the Agent also shall concurrently file a..., Office of Trade Analysis and Insurance, Maritime Administration, 500 Seventh Street, SW., Room...

  12. [Medical insurance estimation of risks].

    Science.gov (United States)

    Dunér, H

    1975-11-01

    The purpose of insurance medicine is to make a prognostic estimate of medical risk-factors in persons who apply for life, health, or accident insurance. Established risk-groups with a calculated average mortality and morbidity form the basis for premium rates and insurance terms. In most cases the applicant is accepted for insurance after a self-assessment of his health. Only around one per cent of the applications are refused, but there are cases in which the premium is raised, temporarily or permanently. It is often a matter of rough estimate, since the knowlege of the long-term prognosis for many diseases is incomplete. The insurance companies' rules for estimate of risk are revised at intervals of three or four years. The estimate of risk as regards life insurance has been gradually liberalised, while the medical conditions for health insurance have become stricter owing to an increase in the claims rate.

  13. 我国社会基本医疗保险在解决学校体育伤害事故中的作用及其局限性研究%The Functions and Limitations of the Social Medical Insurance in Solving the School Sports Injuries Accidents

    Institute of Scientific and Technical Information of China (English)

    王润; 丁红娜; 姜文鹏

    2011-01-01

    The inevitable school sports injuries decide the importance of relief after the accidents. Among the different relief ways, the social medical insurance should also be an important relief way. Based on the introduction of the present social medical insurance system, this paper discusses the possibility and releif range of the social medical insurance system to the school sports injury accident, and points out the limitations of the social medical insurance system to the school sports injury accident, and then gives some suggestions.%学校体育伤害事故的不可避免性,使得事故发生后的救济至关重要。在对学校体育伤害的多种救济途径中,社会医疗保险是一种重要的救济方式。在介绍我国现行的社会基本医疗保险制度的基础上,就社会基本医疗保险制度对学校体育伤害事故救济的可能性和救济范围进行了探讨,同时指出了现行的社会医疗保险制度在对学校体育伤害事故救济方面存在的局限和不足,并就此提出了对策建议。

  14. Retroactive insurance may fund TMI-2 cleanup

    International Nuclear Information System (INIS)

    A Pennsylvania task force recommended that nuclear utilities insure their plants with a mandatory national property insurance program. The proposed Nuclear Powerplant Property Damage Insurance Act of 1981 will cover the cleanup costs of onsite damage in excess of $350 million for a single accident ($50 million when private insurance is added on) and a ceiling of two billion dollars. Participation in the insurance pool would be in conjunction with licensing and would permit no grandfathering. Total payout for Three Mile Island-2 would cover 75% of the cleanup costs, the remainder to be apportioned among other parties. The insurance pool will have a $750 million goal supported by utility premiums

  15. About Insurance.

    Science.gov (United States)

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to acquaint deaf students with the various types of insurance protection that will be available to them in their future life. Seven units covering the topics of what insurance is, automobile insurance, life insurance, health insurance, social security, homeowner's…

  16. Acidentes de trabalho: custos previdenciários e dias de trabalho perdidos Occupational accidents: social insurance costs and work days lost

    Directory of Open Access Journals (Sweden)

    Vilma Sousa Santana

    2006-12-01

    Full Text Available OBJETIVO: Estimar a contribuição de benefícios concedidos por acidentes de trabalho dentre o total de benefícios relacionados com a saúde da Previdência Social, focalizando os custos conforme o tipo de benefício, e o impacto sobre a produtividade relativa a dias perdidos de trabalho. MÉTODOS: Utilizam-se registros dos despachos de benefícios do Sistema Único de Benefícios do Instituto Nacional de Seguridade Social da Bahia, em 2000. Acidentes de trabalho foram definidos com o diagnóstico clínico para Causas Externas, Lesões e Envenenamentos (SS-00 a T99 da Classificação Internacional de Doenças 10ª Revisão, e o tipo de benefício que distingue problemas de saúde ocupacionais e não ocupacionais. RESULTADOS: Foram estudados 31.096 benefícios concedidos por doenças ou agravos à saúde, dos quais 2.857 (7,3% eram devidos a acidentes de trabalho. Maiores proporções foram estimadas entre os trabalhadores da indústria da transformação e construção/eletricidade/gás, 18% do total dos benefícios. Os custos com os benefícios para acidentes de trabalho foram estimados em R$8,5 milhões, com aproximadamente meio milhão de dias perdidos de trabalho no ano. CONCLUSÕES: Apesar do conhecimento de que esses dados são sub-enumerados, e restritos aos trabalhadores que conseguiram receber benefícios relacionados com a saúde, os achados revelam o grande impacto sobre a produtividade e o orçamento do Instituto Nacional de Previdência Social de agravos reconhecidos como evitáveis, reforçando a necessidade de sua prevenção.OBJECTIVE: To estimate the proportion of occupational accident benefits granted within the total for health-related social security benefits, viewing the costs according to benefit type and the impact on productivity according to work days lost. METHODS: Records of benefit decisions from the National Benefits System of the National Social Security Institute for the State of Bahia in 2000 were utilized

  17. Insurance of nuclear power stations

    International Nuclear Information System (INIS)

    Electrical utility companies have invested large sums in the establishment of nuclear facilities. For this reason it is normal for these companies to attempt to protect their investments as much as possible. One of the methods of protection is recourse to insurance. For a variety of reasons traditional insurance markets are unable to function normally for a number of reasons including, the insufficient number of risks, an absence of meaningful accident statistics, the enormous sums involved and a lack of familiarity with nuclear risks on the part of insurers, resulting in a reluctance or even refusal to accept such risks. Insurers have, in response to requests for coverage from nuclear power station operators, established an alternative system of coverage - insurance through a system of insurance pools. Insurers in every country unite in a pool, providing a net capacity for every risk which is a capacity covered by their own funds, and consequently without reinsurance. All pools exchange capacity. The inconvenience of this system, for the operators in particular, is that it involves a monopolistic system in which there are consequently few possibilities for the negotiation of premiums and conditions of coverage. The system does not permit the establishment of reserves which could, over time, reduce the need for insurance on the part of nuclear power station operators. Thus the cost of nuclear insurance remains high. Alternatives to the poor system of insurance are explored in this article. (author)

  18. Predictivity, genetic tests and insurance law.

    Science.gov (United States)

    Romeo Casabona, Carlos Maria

    2009-01-01

    An increasing discussion today consists of whether emerging genetic tests will provide a powerful tool for individual risk assessments for the life, health, disability and accident policies underwritten by private insurance companies and what could be the consequences of this for the insurance contract system built throughout the last decades. Thus, access to such risk information will facilitate more precise actuarial premium assessments.

  19. 26 CFR 1.105-5 - Accident and health plans.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Accident and health plans. 1.105-5 Section 1.105... (CONTINUED) INCOME TAXES (CONTINUED) Items Specifically Excluded from Gross Income § 1.105-5 Accident and... certain amounts received through accident or health insurance. Section 105(e) provides that for...

  20. Dynamic Insurance and Adverse Selection

    NARCIS (Netherlands)

    M.C.W. Janssen (Maarten); V.A. Karamychev (Vladimir)

    2001-01-01

    textabstractWe take a dynamic perspective on insurance markets under adverse selection and study a generalized Rothschild and Stiglitz model where agents may differ with respect to the accidental probability and their expenditure levels in case an accident occurs. We investigate the nature of dynami

  1. INSURANCE GUARANTEE

    OpenAIRE

    Stanescu Catalin-Florinel; Simion Mircea-Laurentiu

    2013-01-01

    Providing security is designed to reduce uncertainty in the credit granting, offers a service or goods entrusted to a third persoane.Acest type of financial risk insurance is different from celelelte by the person who pays the insurance premium is not entitled direct insurance.

  2. Nuclear accidents

    International Nuclear Information System (INIS)

    On 27 May 1986 the Norwegian government appointed an inter-ministerial committee of senior officials to prepare a report on experiences in connection with the Chernobyl accident. The present second part of the committee's report describes proposals for measures to prevent and deal with similar accidents in the future. The committee's evaluations and proposals are grouped into four main sections: Safety and risk at nuclear power plants; the Norwegian contingency organization for dealing with nuclear accidents; compensation issues; and international cooperation

  3. Bicycle accidents.

    Science.gov (United States)

    Lind, M G; Wollin, S

    1986-01-01

    Information concerning 520 bicycle accidents and their victims was obtained from medical records and the victims' replies to questionnaires. The analyzed aspects included risk of injury, completeness of accident registrations by police and in hospitals, types of injuries and influence of the cyclists' age and sex, alcohol, fatigue, hunger, haste, physical disability, purpose of cycling, wearing of protective helmet and other clothing, type and quality of road surface, site of accident (road junctions, separate cycle paths, etc.) and turning manoeuvres.

  4. 22 CFR 102.10 - Rendering assistance at the scene of the accident.

    Science.gov (United States)

    2010-04-01

    ... accident. 102.10 Section 102.10 Foreign Relations DEPARTMENT OF STATE ECONOMIC AND OTHER FUNCTIONS CIVIL AVIATION United States Aircraft Accidents Abroad § 102.10 Rendering assistance at the scene of the accident... the scene of the accident in order to insure that proper protection is afforded United States...

  5. Some questions of insurance in the field of radioactive waste management

    International Nuclear Information System (INIS)

    The general approach scheme when preparing the insurance agreements for radioactive waste transportation is suggested. An algorithm for ecological insurance which includes determination of the insurance activity object, accident probability, possible radionuclide release in a case of an accident, maximum possible damage and insurance payments for all accident categories and types of transported wastes (liquid, solid wastes and ionizing radiation sources), responsibility limit upon insurance agreements depending on the waste type, as well as calculation of the insurance bonus and agreement documentation is described. The IAEA recommendations are used for accident classification. The concrete examples of insurance agreements are considered. It is shown that it is not desirable to make one insurance agreement for three types of radioactive wastes

  6. Captive insurance

    OpenAIRE

    Ambrosová, Simona

    2011-01-01

    This thesis has as its main goal the objective analysis of the potential for captive insurance risk management in specific situations and market analysis of captive insurance. It uses a description of the history and development of this sector, addressing the advantages and disadvantages, which helps to reflect on the usefulness of this tool. Furthermore, the analysis of that market, location options of captive insurance companies and types of captives are described here as well. A large part...

  7. The Analysis on the Relationship between Insurance Law and Tort Liability Law ——Taking the Liability in Motor Vehicle Traffic Accident as Study Object%保险法与侵权责任法关系辨析——以机动车交通事故责任为重点考察对象

    Institute of Scientific and Technical Information of China (English)

    郝磊; 马映平

    2011-01-01

    In our country the Liability Insurance System was introduced into Liability for Motor Vehicle Traffic Accident.There are mutual integration and independence on the norm and function between Insurance Law and Tort Liability Law,so Tort Liability Law is different from the traditional rules of tort law,and Insurance Law cannot completely substitute for Tort Liability Law as well.Current legislation in our country pay attention to organically coordinating the relationship between Insurance Law and Tort Liability Law,but there are some places demanding to improve further: The balance on the interests of all the parties should be completed further in the law system;We should pay attention to the coordination of commercial insurance and tort liabilities system;The problem on law application should be formulated further explicit as well.%我国立法在机动车交通事故责任中引入了责任保险制度,由于保险法和侵权责任法在规范与功能等方面既有其相互融合的一面,又有其相互独立的一面,故侵权责任法不同于传统的侵权规则,保险法也不能完全取代侵权责任法。我国现行立法注重对保险法与侵权责任法的关系予以有机协调,但是也有一些需要进一步改进的地方:对各方利益的平衡应从法律上进一步完善;要注意商业保险与侵权责任机制的协调;对具体适用中的问题亦应进一步明确规范。

  8. Accident Statistics

    Data.gov (United States)

    Department of Homeland Security — Accident statistics available on the Coast Guard’s website by state, year, and one variable to obtain tables and/or graphs. Data from reports has been loaded for...

  9. Sports Accidents

    CERN Multimedia

    Kiebel

    1972-01-01

    Le Docteur Kiebel, chirurgien à Genève, est aussi un grand ami de sport et de temps en temps médecin des classes genevoises de ski et également médecin de l'équipe de hockey sur glace de Genève Servette. Il est bien qualifié pour nous parler d'accidents de sport et surtout d'accidents de ski.

  10. Analysis of MoTOR Vehicle Traffic Accident liability compulsory insurance compen sation in crimiual case--concurrently Discussion on t6he tratinal regression of disability compensation%浅析刑事案件中的交强险赔偿--兼论残疾赔偿金的理性回归

    Institute of Scientific and Technical Information of China (English)

    王爱军

    2015-01-01

    交通肇事如何认定第三者成为保险公司赔偿保险金的关键所在。第三者的认定历来理论和司法实务上存有争议,目前,近因说和瞬间说采用者较多,更能维护弱势群体第三者的权益。但是交通肇事涉及犯罪时,保险公司往往因残疾赔偿金为精神抚慰性质而拒赔,造成被害人流血又流泪。症结就在于残疾赔偿金没有理性回归为财产性质,希望通过解析第三者和残疾赔偿金的性质更好地为司法实务提供可行建议,以维护受害人的合法权益。%How to identify the third of traffic accident becomes the key to companies insurance Pay insurance benefit . theories and judicial practice has been controversy over determination of the third, at present, Proximate cause and instant theory that the legalist adopt more, can better safeguard the rights and interests of vulnerable groups third. But the traffic accident involves crime, insurance company often refuses to make compensation because of disability compensation for spiritual comfort properties, causing the victim to bloodshed and tears. The crux of the problem is that the disability compensation has not reasonable regression as the nature of property. Hope that the analysis of third and disability compensation properties contributes to better provide practical recommendations for the judicial practice, in order to safeguard the legitimate rights and interests of the victim.

  11. Loss of Earnings Insurance / Assurance perte de gain

    CERN Document Server

    Department, HR

    2010-01-01

    General conditions of insurance for supplementary individual income protection cover with daily allowances following a non-occupational illness or non-occupational accident suffered by CERN staff members

  12. Insurance Rationing and the Origins of Workers' Compensation

    OpenAIRE

    Price V. Fishback; Shawn Everett Kantor

    1994-01-01

    A central question concerning the economic motivation for the adoption of workers' compensation is the extent to which workers had access to their desired levels of private accident insurance around the turn of the century. If insurance were rationed then workers' primary option would have been to use savings to protect against accident risk. We develop a theoretical model that suggests that workers' compensation, under this market condition, should have caused a reduction in households' prec...

  13. Pension insurance

    OpenAIRE

    Procházková, Olga

    2010-01-01

    My diplom thesis focuses on the pension system in the Czech Republic because the additional pension insurance is a part of it. It briefly characterizes the current state of the pension system, especially of 1st pillar, with focus on its problems caused by the worsening demographic development of the population. Based on that, the current pension system in the Czech Republic is becoming unsustainable. I am also mentioning the basis principals of the pension insurance structure in developed Eur...

  14. Welfare-Improving Asymmetric Information in Dynamic Insurance Markets.

    Science.gov (United States)

    de Garidel-Thoron, Thomas

    2005-01-01

    This article presents a two-period asymmetric learning model of insurance markets. When information about past accidents is not shared by insurers, asymmetries of information develop through time. Equilibrium contracts exist, are payoff unique, and display a realistic bonus-malus pattern. Eliminating asymmetries through information sharing is…

  15. Insurance is Everybody's Business. Series on Public Issues No. 15.

    Science.gov (United States)

    Caddy, Douglas; Dethloff, Henry C.

    In this booklet, one of a series intended to apply economic principles to major social and political issues of the day, the workings of the American insurance industry, a central part of the American economy, are described. Insurance provides a means to transfer or spread risk, thus helping to assure economic survival despite chance, accident, or…

  16. National registration of accidents in Iceland.

    Science.gov (United States)

    Olafsson, O; Axelsson, J

    1992-01-01

    Community based registration of accidents has been employed in Iceland from 1987. A form developed in the emergency ward at the city Hospital of Reykjavik has been used for the registration. The following issues have been registered: the type and the seriousness of the injury, treatment, place of accident and time of accident. Health centres in Iceland have been computerized from 1976. At the time being about half of the health centres participate in the registration with the information included in the form as the source. Every health center has its well defined district. The accidents among the inhabitants in each district is registered, while accidents among other people, e.g. tourists, is registered separately. At this moment 183,000 out of a total number of 259,000 inhabitants are covered by the registration, i.e. 71% of the population. In 1989 the frequency of accidents was 198 per 100,000 inhabitants. 26% of the accidents occurred at home, 11% at work, 9% during physical activity, 6% was traffic accidents, whereas the same proportion occurred at school. This registration system has been created as a result of annual conferences on accidents arranged by the Director General of public health since 1984. Representatives for the following parties have been invited; medical doctors working in hospitals and health centres, clinical nurses, physiotherapists, the National Insurance Service, other insurance companies, rescue and ambulance personal, fire departments, the Automobile Association, the communication Council. Local communities members of the parliament, voluntary organizations, e.g. Red Cross, the Sea Rescue Service and the Aviation Board. This activity has stimulated measures aiming at preventing accidents in several local communities.(ABSTRACT TRUNCATED AT 250 WORDS) PMID:1285816

  17. OPTIMAL INSURANCE FOR CATASTROPHIC RISK: THEORY AND APPLICATION TO NUCLEAR CORPORATE LIABILITY

    OpenAIRE

    Louaas, Alexis; Picard, Pierre

    2014-01-01

    We analyze the optimal insurance coverage for high severity-low probability accidents, both from theoretical and applied standpoints. Such accidents qualify as catastrophic when their risk premium is a non-negligible proportion of the victims’ wealth, although the probability of occurrence is very small. We show that this may be the case when the individual’s absolute risk aversion is very large in the accident case. We characterize the optimal insurance contract firstly for an individual, an...

  18. 40 CFR 5.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 5.440 Health and insurance benefits and services. Subject to § 5.235(d), in providing a medical, hospital, accident, or life insurance... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Health and insurance benefits...

  19. 49 CFR 25.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... Basis of Sex in Education Programs or Activities Prohibited § 25.440 Health and insurance benefits and services. Subject to § 25.235(d), in providing a medical, hospital, accident, or life insurance benefit... 49 Transportation 1 2010-10-01 2010-10-01 false Health and insurance benefits and services....

  20. 10 CFR 5.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... Education Programs or Activities Prohibited § 5.440 Health and insurance benefits and services. Subject to § 5.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or... 10 Energy 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 5.440...

  1. 29 CFR 36.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... Education Programs or Activities Prohibited § 36.440 Health and insurance benefits and services. Subject to § 36.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or... 29 Labor 1 2010-07-01 2010-07-01 true Health and insurance benefits and services. 36.440...

  2. 24 CFR 3.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-04-01

    ... Activities Prohibited § 3.440 Health and insurance benefits and services. Subject to § 3.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Health and insurance benefits...

  3. 10 CFR 1042.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... in Education Programs or Activities Prohibited § 1042.440 Health and insurance benefits and services. Subject to § 1042.235(d), in providing a medical, hospital, accident, or life insurance benefit, service... 10 Energy 4 2010-01-01 2010-01-01 false Health and insurance benefits and services....

  4. 45 CFR 86.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 86.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service... 45 Public Welfare 1 2010-10-01 2010-10-01 false Health and insurance benefits and services....

  5. 36 CFR 1211.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... Activities Prohibited § 1211.440 Health and insurance benefits and services. Subject to § 1211.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Health and insurance...

  6. 45 CFR 2555.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... Activities Prohibited § 2555.440 Health and insurance benefits and services. Subject to § 2555.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 45 Public Welfare 4 2010-10-01 2010-10-01 false Health and insurance benefits and services....

  7. 7 CFR 15a.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... Programs and Activities Prohibited § 15a.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a... 7 Agriculture 1 2010-01-01 2010-01-01 false Health and insurance benefits and services....

  8. 34 CFR 106.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... Prohibited § 106.39 Health and insurance benefits and services. In providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not... 34 Education 1 2010-07-01 2010-07-01 false Health and insurance benefits and services....

  9. 32 CFR 196.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... Activities Prohibited § 196.440 Health and insurance benefits and services. Subject to § 196.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its... 32 National Defense 2 2010-07-01 2010-07-01 false Health and insurance benefits and services....

  10. 45 CFR 618.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ....440 Health and insurance benefits and services. Subject to § 618.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 45 Public Welfare 3 2010-10-01 2010-10-01 false Health and insurance benefits and services....

  11. 44 CFR 19.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... Education Programs or Activities Prohibited § 19.440 Health and insurance benefits and services. Subject to § 19.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Health and insurance...

  12. 13 CFR 113.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ....440 Health and insurance benefits and services. Subject to § 113.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Health and insurance benefits...

  13. Chinese Space Insurance Opportunities

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Jiang Tai Insurance Broker Co., Ltd and China Pacific Insurance (group) Co., Ltd jointly held a conference on Space and Space Insurance on January 13 and 14, 2005. About 50 representatives from 30 domestic insurance companies attended the event.

  14. Health Insurance Basics

    Science.gov (United States)

    ... Can I Help a Friend Who Cuts? Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  15. Tchernobyl accident

    International Nuclear Information System (INIS)

    First, R.M.B.K type reactors are described. Then, safety problems are dealt with reactor control, behavior during transients, normal loss of power and behavior of the reactor in case of leak. A possible scenario of the accident of Tchernobyl is proposed: events before the explosion, possible initiators, possible scenario and events subsequent to the core meltdown (corium-concrete interaction, interaction with the groundwater table). An estimation of the source term is proposed first from the installation characteristics and the supposed scenario of the accident, and from the measurements in Europe; radiological consequences are also estimated. Radioactivity measurements (Europe, Scandinavia, Western Europe, France) are given in tables (meteorological maps and fallouts in Europe). Finally, a description of the site is given

  16. Accident: Reminder

    CERN Multimedia

    2003-01-01

    There is no left turn to Point 1 from the customs, direction CERN. A terrible accident happened last week on the Route de Meyrin just outside Entrance B because traffic regulations were not respected. You are reminded that when travelling from the customs, direction CERN, turning left to Point 1 is forbidden. Access to Point 1 from the customs is only via entering CERN, going down to the roundabout and coming back up to the traffic lights at Entrance B

  17. [The problem of private insurance for patients with epilepsy (author's transl)].

    Science.gov (United States)

    Quattrini, A; Paggi, A; Ortenzi, A; Forastieri, L; Di Bella, P; Recchioni, M A

    1980-01-01

    324 epileptics were questioned about their approach to private insurance. Only 9,26% of them were covered by a life or accident insurance policy: 3,70% had life insurance, 3,70% accident insurance and 1,86% both. None of the patients had declared his disability to the insurance company. In 6,17% of the 324 epileptic cases an insurance policy had been taken out by their parents. In comparison about 35% of the Italian population in general are insured. A questionnaire was sent to 20 insurance companies; only 5 of them replied, saying that as far as accidents were concerned, they considered epileptics uninsurable. As for life insurance, policies can be contracted at increased premiums, according to the individual case (including the severity of the illness). Physicians must give epileptics fuller information about their insurance plans because, if their illness is detected after an accident, they will find themselves not covered by insurance. Government intervention is called for with the setting-up of special funds for this purpose.

  18. Transportation accidents

    International Nuclear Information System (INIS)

    Predicting the possible consequences of transportation accidents provides a severe challenge to an analyst who must make a judgment of the likely consequences of a release event at an unpredictable time and place. Since it is impractical to try to obtain detailed knowledge of the meteorology and terrain for every potential accident location on a route or to obtain accurate descriptions of population distributions or sensitive property to be protected (data which are more likely to be more readily available when one deals with fixed-site problems), he is constrained to make conservative assumptions in response to a demanding public audience. These conservative assumptions are frequently offset by very small source terms (relative to a fixed site) created when a transport vehicle is involved in an accident. For radioactive materials, which are the principal interest of the authors, only the most elementary models have been used for assessing the consequences of release of these materials in the transportation setting. Risk analysis and environmental impact statements frequently have used the Pasquill-Gifford/gaussian techniques for releases of short duration, which are both simple and easy to apply and require a minimum amount of detailed information. However, after deciding to use such a model, the problem of selecting what specific parameters to use in specific transportation situations still presents itself. Additional complications arise because source terms are not well characterized, release rates can be variable over short and long time periods, and mechanisms by which source aerosols become entrained in air are not always obvious. Some approaches that have been used to address these problems will be reviewed with emphasis on guidelines to avoid the Worst-Case Scenario Syndrome

  19. HEALTH INSURANCE

    CERN Multimedia

    Division HR

    2000-01-01

    Change of name for AUSTRIA As of October 1, the AUSTRIA Assurances S.A. company will change its name to: UNIQA Assurances S.A. It inherits the same name as its parent Austrian company, which adopted it towards the end of 1999. This change has no effect on the contract which binds it to CERN for the administration of our Health Insurance Scheme. New insurance cards will be sent to you by UNIQA and the printed forms and envelopes will gradually be updated with the new name. Postal and phone addresses remain unaffected by the change. You should address your postal mail to: UNIQA Assurances rue des Eaux Vives 94 case postale 6402 1211 Genève 6 You may telephone your usual contact persons at the same numbers as before and send e-mails to the UNIQA office at CERN at: UNIQA.Assurances@cern.ch

  20. Export insurance

    International Nuclear Information System (INIS)

    These notes are intended as a general guide for the use of members of the Canadian Nuclear Association who are, or may become, involved in supplying goods or services or contracting/ erecting as part of a contract to supply a nuclear facility to an overseas country. They give information to the type of insurances needed and available, the parties normally responsible for providing the coverages, the intent and operation of the various policies, general methods of charging premiums, and main exclusions

  1. HEALTH INSURANCE

    CERN Multimedia

    2000-01-01

    The CERN-AUSTRIA Agreement, which implemented CERN's health insurance scheme, expired on 31 December 1999.In accordance with CERN's rules, a call for tenders for the management of the health insurance scheme was issued and the contract was once again awarded to AUSTRIA. In June 1999, the Finance Committee thus authorised the Management to conclude a new contract with AUSTRIA, which came into force on 1st January 2000.Continuity is thus assured on favourable conditions and the transition from one contract to the other will entail no substantial changes in the system for those insured at CERN except for a few minor and purely formal amendmentsWHAT REMAINS UNCHANGEDThe list of benefits, i.e. the 'cover' provided by the system, is not changed;Neither is the reimbursement procedure.AUSTRIA's office at CERN and its opening hours as well as its city headquarters remain the same. The envelopes containing requests for reimbursement have had to be sent (since the end of 1998) to :Rue des Eaux-Vives 94Case postale 64021...

  2. Pet insurance--essential option?

    Science.gov (United States)

    Stowe, J D

    2000-08-01

    As Hawn (2) says, "insurance is about risk and peace of mind." She reports that the American Humane Society supports pet insurance because companion animals are able to be treated for disease or accidents that are life-threatening where, otherwise, they would have been euthanized. For veterinarians, she suggests that pet insurance allows them to practice veterinary medicine "as if it were free." It is inevitable that pet insurance will grow as a recourse for veterinary fees. This may be a savior to some families whose budget is stretched to the limit at a critical moment in the health care of their cherished pet. We in the veterinary profession have an advantage over other professions. We have seen the good, the bad, and the ugly of insurance, as it applies to human health and dental care. If we work hand-in-hand with our own industries, collectively we may be able to develop a system that wins for everyone, with fees that allow practice to thrive and growth strategies that accommodate new treatment and diagnostic modalities, as well as consistent and exemplary customer service. The path ahead is always fraught with bumps and potholes. We can be a passive passenger and become a victim of the times or an active driver to steer the profession to a clearer route. Pet insurance is but one of the solutions for the profession; the others are a careful assessment of our fees--charging what we are worth, not what we think the client will pay; business management; customer service; leadership of our health care team; lifelong learning; and more efficient delivery systems. Let us stop being a victim, stop shooting ourselves in the professional foot, and seize the day! PMID:10945132

  3. Who pays the costs of industrial accidents like Three Mile Island

    International Nuclear Information System (INIS)

    The accident at Three Mile Island (TMI) nuclear unit 2 generating plant in Pennsylvania provides a case study on how losses resulting from large industrial accidents are allocated in society. TMI demonstrated that industry regulation, no matter how pervasive, can fail to prevent social harm, and that there are often costs beyond personal injuries and property damage. Although the Price-Anderson Act compensated the public, other insurance was inadequate to cover the losses of shareholders and ratepayers. When the $300 million property insurance proved inadequate, the industry raised property damage insurance to $1 billion and replacement power insurance to $250 million

  4. Nuclear safety and nuclear insurance

    International Nuclear Information System (INIS)

    To an extent, public opinion is against Koeberg, inspite of the fact that Escom, Koeberg's prospective licensee, are liable for damages caused in the event of an accident, that they carry public liability insurance bought in the market place to the maximum of ten million rand, and if that is not enough the government will take over responsibility for the rest. A question is put that if this kind of protection carries on, won't there always be a minority of the public who will find nuclear power socially, psychologically and politically unacceptable

  5. Nuclear property insurance: status and outlook

    International Nuclear Information System (INIS)

    The report addresses the problem of the unavailability of adequate levels of property insurance for commercial power reactors to pay for decontamination and cleanup costs arising from accidents. The report is designed to answer six questions, as follows: (1) What has been the development of each principal source of nuclear property insurance used as of early 1982 by nuclear utilities in the United States; (2) What are some of the distinguishing features of nuclear property insurance as offered by the principal sources; (3) How much nuclear property insurance was offered by each of these sources as of January 1, 1982; (4) Assuming that present plans came to fruition, how much nuclear property insurance is likely to be offered by each of these sources as of January 1, 1983; (5) What, if any, principal sources of nuclear property insurance are likely to emerge in the private sector by January 1, 1983; (6) What problems serious enough to warrant action of the NRC exist with respect to nuclear property insurance and what action should NRC take in response to each problem

  6. Prescriptions and Insurance Plans

    Science.gov (United States)

    MENU Return to Web version Prescriptions and Insurance Plans Prescriptions and Insurance Plans Getting a prescription filled is usually easy. But because of the high cost of prescription medicines, most insurance ...

  7. Forestry Standardization & Forestry Insurance

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ Forestry insurance of our country has developed slowly,of which the main difficulty lies in predicting and determining forestry risk,confirming the sum insured,raising the premiums, indemnity for property loss,coordinating forestry insurance and forestry protection,and lack of insurance legal system etc.With the implementation of forestry's standardized project,and overcoming effectively the technological obstacle existing in forestry's insurance,the development speed of forestry's insurance will be accelerated too.

  8. Unemployment Insurance Query (UIQ)

    Data.gov (United States)

    Social Security Administration — The Unemployment Insurance Query (UIQ) provides State Unemployment Insurance agencies real-time online access to SSA data. This includes SSN verification and Title...

  9. Unemployment Insurance Management.

    Science.gov (United States)

    Pope, Daniel C.

    1979-01-01

    An insurance management system has the goal of minimizing unemployment insurance costs. Components of a model system should include general administration, claims management, and appeals process. (Author)

  10. Life Insurance. Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    Universal-life insurance was created to address many of the problems associated with whole-life insurance. One problem with whole-life insurance is its lack of flexibility. A second problem with whole life is that it is much like a black box. The owner cannot see exactly how it works. Universal life provides solutions to these problems. To fully understand universal life, refer to "Life Insurance: Whole-Life Insurance", Virginia Cooperative Extension publication 354-145, for some backgroun...

  11. Liability, Insurance and the Incentive to Obtain Information about Risk

    OpenAIRE

    Vickie Bajtelsmit; Paul Thistle

    2015-01-01

    We examine the incentives to obtain information about risk under strict liability and negligence rules when insurance is available. Information helps reduce the expected cost of accidents, but also exposes the potential injurer to classification risk. As a result, the social value of information may be negative. Under both strict liability and negligence, the private value of information may also be negative when insurance is available.

  12. Insurance Premium Optimization: Perspective of Insurance Seeker and Insurance Provider

    Directory of Open Access Journals (Sweden)

    Nidhi Arora

    2014-03-01

    Full Text Available The paper proposes a utilitarian and newfangled design of life insurance premium payment. Insurance companies provide insurance to the policy holders and in turn the policy holders have to pay insurance premium periodically. In this paper, we study the important factors to be considered at the time of selecting the term of premium payment of insurance. The intention is to extend this study to a method which can machinate and assist users in deciding the term and amount of premium payment. Our aim here is twin-fold; one, to evoke a novel way to policy holder to decide the least premiums to be paid and second, to devise a manner for insurance provider to collect maximum premiums. With this twofold aim, we propose a hybrid soft computing optimization model using Neuro-Fuzzy approach and Particle Swarm Optimization.

  13. Occupational accidents with mowing machines in Austrian agriculture

    Directory of Open Access Journals (Sweden)

    Robert Kogler

    2015-02-01

    Full Text Available The number of recognized accidents during agricultural work is still very high in Austria. In the years 2008 to 2009, there occurred 84 approved work accidents with mowing machines. The main causes of accidents were the loss of control of machines, transportations or conveyances, hand tools, objects or animals. In the literature, numerous studies of general agricultural and forestry accident situations are available. Detailed studies on specific types of agricultural machines, which describe concrete circumstances and causes of accidents, are in limited numbers. The accident database from the General Accident Insurance Institution and the Austrian Social Insurance Institution of Farmers, with personal and accidental data information about mowing machine accidents, were analyzed. The results showed that most accidents occurred on mixed agricultural farms (68%. The majority of the injured persons were male (86%, over 40-years-old (86% with an agricultural or forestry education (91%. The most common accidents occurred in the summer months (69% and on afternoons during the working week (79%. The majority of accidents were caused by contact with the machine (55% and the loss of control (73% during their operation (60% and harvesting work (63%. The most frequently injuries were wounds, fractures and superficial injuries (81% to the upper and lower extremities (66%. The results of the chi-square test showed significant correlations between the specific task with the form of contact, the working process, the day and season. Results of the odds ratio determination showed an increased risk of suffering serious injury for men in the first half of the year and half of the day due to loss of control over the machine during agricultural harvesting work.

  14. Alternative health insurance schemes

    DEFF Research Database (Denmark)

    Keiding, Hans; Hansen, Bodil O.

    2002-01-01

    In this paper, we present a simple model of health insurance with asymmetric information, where we compare two alternative ways of organizing the insurance market. Either as a competitive insurance market, where some risks remain uninsured, or as a compulsory scheme, where however, the level...... competitive insurance; this situation turns out to be at least as good as either of the alternatives...

  15. Women's Health Insurance Coverage

    Science.gov (United States)

    ... Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Feb 02, 2016 Facebook Twitter LinkedIn Email ... women’s coverage in future years. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57 million women ...

  16. Social Insurance in Romania - Concern for Governors

    Directory of Open Access Journals (Sweden)

    Manuela Panaitescu

    2011-05-01

    Full Text Available Objectives: the comparative research of the public and private insurance systems is important as itprovides financial benefits to the individuals who have lost their income due to their old age, along with theirdecreased labour ability caused by disabilities, disease, motherhood, work related accidents orunemployment, and the resulting benefits are conditioned by the due contributions; Prior Work: this workcontinues previous research conducted for the PhD thesis called “Improving Management in the Public andPrivate Insurance Systems in the Market Economy”; Approach: the main methods that have been used insurveys and observation of the population’s behaviour; Results: in order to reduce the financial restraints thatthe public insurance system has to cope with, the concrete implementation of a social insurance system basedon the needs and value scales of the Romanian state is necessary; Implications: academics and researchersinterested in the Romanian social insurance system management and its long run effects on the population;Value: the insurance systems determins the quality of life for most of the population and strongly influencethe economy, especially the labour market and the capital market. This is why social security is a commonchallenge for all European countries.

  17. New procedure for declaring accidents resulting in bodily injuries

    CERN Document Server

    2014-01-01

    The HR Department would like to remind members of personnel that, according to Administrative Circular No. 14 (Rev. 3), entitled “Protection of members of the personnel against the financial consequences of illness, accident and incapacity for work”, accidents resulting in bodily injuries and presumed to be of an occupational nature should, under normal circumstances, be declared within 10 working days of the accident having occurred, accompanied by a medical certificate. In an effort to streamline procedures, occupational accident declarations should be made via EDH using the “declaration of occupational accident” electronic form. For the declaration of non-occupational accidents resulting in bodily injuries of members of the CERN Health Insurance Scheme (CHIS), a new paper form has been elaborated that can be downloaded from the CHIS website and is also available from the UNIQA Helpdesk in the Main Building. If you encounter technical difficulties with these new ...

  18. Accidents with venomous and poisonous animals: their impact on occupational health in Colombia

    OpenAIRE

    Juan P. Gómez C

    2011-01-01

    Venomous or poisonous animals are a very common cause of accidents in Colombia. Such accidents occur due to vertebrates such as snakes and fish or invertebrates such as scorpions, spiders, bees, etc. The most affected individuals are young people ages 15 to 45. They are mainly farmers and fishermen. These events can be considered work accidents given their characteristics. Nevertheless, the occupational risk insurance companies, the central Colombian government, and the regional, departmental...

  19. 41 CFR 101-4.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... insurance benefits and services. Subject to § 101-4.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Health and...

  20. 18 CFR 1317.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-04-01

    ... § 1317.440 Health and insurance benefits and services. Subject to § 1317.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient... 18 Conservation of Power and Water Resources 2 2010-04-01 2010-04-01 false Health and...

  1. 31 CFR 28.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Health and insurance benefits and... benefits and services. Subject to § 28.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  2. 22 CFR 229.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Health and insurance benefits and services. 229... benefits and services. Subject to § 229.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  3. 22 CFR 146.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Health and insurance benefits and services. 146... benefits and services. Subject to § 146.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  4. 15 CFR 8a.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Health and insurance benefits and... benefits and services. Subject to § 8a.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  5. 28 CFR 54.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Health and insurance benefits and... benefits and services. Subject to § 54.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  6. 43 CFR 41.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Health and insurance benefits and services... benefits and services. Subject to § 41.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  7. 6 CFR 17.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 6 Domestic Security 1 2010-01-01 2010-01-01 false Health and insurance benefits and services. 17... benefits and services. Subject to § 17.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  8. 14 CFR 1253.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Health and insurance benefits and services... benefits and services. Subject to § 1253.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate...

  9. 38 CFR 23.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... Prohibited § 23.440 Health and insurance benefits and services. Subject to § 23.235(d), in providing a medical, hospital, accident, or life insurance benefit, service, policy, or plan to any of its students, a... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Health and...

  10. Fund Mobilization by Insurance Companies and Fixed Capital Formation: Evidence from the Nigerian Economy

    OpenAIRE

    Lezaasi Lenee Torbira; Onyemachi Maxwell Ogbulu

    2014-01-01

    This paper is an empirical investigation into the relationship between fund mobilization by insurance companies and gross fixed capital formation (GFCF) in Nigeria and specifically how the latter responds to stimuli emanating from the insurance companies. A five variable-predictor multivariate regression model was estimated and analyzed. The short run results reveal that four explanatory variables namely: premium from fire, accidents, motor vehicles and employee liabilities insurance policies...

  11. Development of an insurance policy for providers of sevices or equipment of the nuclear industry

    OpenAIRE

    Ulrich, Thomas

    2009-01-01

    Insurers have always been reluctant to proffer insurance solution to the nuclear sector, especially since the occurrence of very serious accidents such as Chernobyl and Three Miles Island. However, this sector is particularly monitored and most of the incidents happening on nuclear sites could be covered by conventional insurers. That is why, underwriters of AXA Corporate Solutions have considered that exploiting this market with adequate limits, by granting third party liabili...

  12. The Role of Insurance in Managing Extreme Events: Implications for Terrorism Coverage

    OpenAIRE

    Howard Kunreuther

    2001-01-01

    A key question being raised since September 11 th is the appropriate role of the private and public sectors in reducing losses and offering insurance protection against extreme risks such as natural disasters, technological accidents and terrorist activities. The following scenario illustrates the challenges and opportunities facing the insurance and reinsurance industry in this regard: Scenario: Over the past 10 years the AllRisk (AR) Insurance Company has provided $500 million in coverage t...

  13. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

    Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article

  14. Estimation of traffic accident costs: a prompted model.

    Science.gov (United States)

    Hejazi, Rokhshad; Shamsudin, Mad Nasir; Radam, Alias; Rahim, Khalid Abdul; Ibrahim, Zelina Zaitun; Yazdani, Saeed

    2013-01-01

    Traffic accidents are the reason for 25% of unnatural deaths in Iran. The main objective of this study is to find a simple model for the estimation of economic costs especially in Islamic countries (like Iran) in a straightforward manner. The model can show the magnitude of traffic accident costs with monetary equivalent. Data were collected from different sources that included traffic police records, insurance companies and hospitals. The conceptual framework, in our study, was based on the method of Ayati. He used this method for the estimation of economic costs in Iran. We promoted his method via minimum variables. Our final model has only three available variables which can be taken from insurance companies and police records. The running model showed that the traffic accident costs were US$2.2 million in 2007 for our case study route.

  15. The Capitalisation of ‘Excess Life’ through Life Insurance

    NARCIS (Netherlands)

    Lobo-Guerrero, Luis

    2014-01-01

    The role of life insurance, as portrayed by the industry, is to get individuals and heirs back in financial circulation after accidents and catastrophic events. This role, however, is not innocent. It involves a complex problematisation of what it means to render life as valuable, commodifiable and

  16. Supervisor's accident investigation handbook

    International Nuclear Information System (INIS)

    This pamphlet was prepared by the Environmental Health and Safety Department (EH and S) of Lawrence Berkeley Laboratory (LBL) to provide LBL supervisors with a handy reference to LBL's accident investigation program. The publication supplements the Accident and Emergencies section of LBL's Regulations and Procedures Manual, Pub. 201. The present guide discusses only accidents that are to be investigated by the supervisor. These accidents are classified as Type C by the Department of Energy (DOE) and include most occupational injuries and illnesses, government motor-vehicle accidents, and property damages of less than $50,000

  17. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured advances. (a) Initial premium. For projects involving insured advances, on the date of the initial...

  18. Framework for accident management

    International Nuclear Information System (INIS)

    Accident management is an essential element of the Nuclear Regulatory Commission (NRC) Integration Plan for the closure of severe accident issues. This element will consolidate the results from other key elements; such as the Individual Plant Examination (IPE), the Containment Performance Improvement, and the Severe Accident Research Programs, in a form that can be used to enhance the safety programs for nuclear power plants. The NRC is currently conducting an Accident Management Program that is intended to aid in defining the scope and attributes of an accident management program for nuclear power plants. The accident management plan will ensure that a plant specific program is developed and implemented to promote the most effective use of available utility resources (people and hardware) to prevent and mitigate severe accidents. Hardware changes or other plant modifications to reduce the frequency of severe accidents are not a central aim of this program. To accomplish the outlined objectives, the NRC has developed an accident management framework that is comprised of five elements: (1) accident management strategies, (2) training, (3) guidance and computational aids, (4) instrumentation, and (5) delineation of decision making responsibilities. A process for the development of an accident management program has been identified using these NRC framework elements

  19. Understanding health insurance plans

    Science.gov (United States)

    ... medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... for you and your family. Types of Health Insurance Plans Depending on how you get your health ...

  20. Risks In Marine Insurance

    OpenAIRE

    Jelena Grdinic

    2008-01-01

    The author of this paper elaborates risks in marine insurance. Firstly, the author primarily specifies the concept, types and basic characteristics of risks, emphasizing specifics of marine risk in relation to general risks. The author particularly considers determination of risk according to our legal regulations and English Marine Insurance Act, as the most important act in this matter. Special attention is paid to insured risk according to the most recent standard conditions for insurance ...

  1. Credit risk insurance

    OpenAIRE

    Pospíšil, Marek

    2010-01-01

    Diploma thesis on the topic Credit risk insurance approximates the functioning of the security instrument on the commercial market for credit insurance and export markets. It maps the management process and describes the basic elements and principles of the trade credit insurance in detail. It also includes the evaluation of the commercial insurance in terms of benefits and shortcomings that this instrument represents. The following part describes the activity of the Export Guarantee and Insu...

  2. Insurance Contracts and Securitization

    OpenAIRE

    Doherty, Neil A.; Schlesinger, Harris

    2001-01-01

    High correlations between risks can increase required insurer capital and/orreduce the availability of insurance. For such insurance lines, securitizationis rapidly emerging as an alternative form of risk transfer. The ultimatesuccess of securitization in replacing or complementing traditional insuranceand reinsurance products depends on the ability of securitization to facilitateand/or be facilitated by insurance contracts. We consider how insuredlosses might be decomposed into separate comp...

  3. Rethinking Social Insurance

    OpenAIRE

    Martin Feldstein

    2005-01-01

    This paper begins by discussing the nature of and rationale for social insurance programs. I then consider three political principles and four economic principles that could guide the design and reform of social insurance programs. These ideas are then applied to unemployment insurance, Social Security pensions, health insurance and Medicare. A common theme is the advantage of incorporating investment based personal accounts in each of these programs.

  4. Multiple Peril Crop Insurance

    OpenAIRE

    Edwards, William M.; Hofstrand, Donald

    2003-01-01

    Multiple Peril Crop Insurance (MPCI) is a broad-based crop insurance program regulated by the U.S. Department of Agriculture and subsidized by the Federal Crop Insurance Corporation(FCIC). Crops eligible for MPCI coverage in Iowa include corn, sobyeans, oats, wheat, seed corn, popcorn, barley, potatoes, sweet corn, canning beans, dry beans, forages, grain sorghum, green peas, tomatoes, and nursery stocks. Not all of these crops can be insured in all counties.

  5. Insurance Sector Risk

    NARCIS (Netherlands)

    J.F. Slijkerman

    2006-01-01

    textabstractWe model and measure simultaneous large losses of the market value of insurers to understand the impact of shocks on the insurance sector. The downside risk of insurers is explicitly modelled by common and idiosyncratic risk factors. Since reinsurance is important for the capacity of ins

  6. EVOLUTION OF INSURANCE DEFINITION

    Directory of Open Access Journals (Sweden)

    V. A. Gorb

    2011-03-01

    Full Text Available In the article the evolution of the concept of insurance from the earliest forms to contemporary ones is shown. The development of insurance in Ukraine is demonstrated. A review of transformation of the insurance concept is presented in tabular form.

  7. Farmers Insures Success

    Science.gov (United States)

    Freifeld, Lorri

    2012-01-01

    Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…

  8. Framework for accident management

    International Nuclear Information System (INIS)

    A program is being conducted to establish those attributes of a severe accident management plan which are necessary to assure effective response to all credible severe accidents and to develop guidance for their incorporation in a plant's Accident Management Plan. This program is one part of the Accident Management Research Program being conducted by the U. S. Nuclear Regulatory Commission (NRC). The approach used in establishing attributes and developing guidance includes three steps. In the first step the general attributes of an accident management plan were identified based on: (1) the objectives established for the NRC accident management program, (2) the elements of an accident management framework identified by the NRC, and (3) a review of the processes used in developing the currently used approach for classifying and analyzing accidents. For the second step, a process was defined that uses the general attributes identified from the first step to develop an accident management plan. The third step applied the process defined in the second step at a nuclear power plant to refine and develop it into a benchmark accident management plan. Step one is completed, step two is underway and step three has not yet begun

  9. Radiation accidents and defence of population

    International Nuclear Information System (INIS)

    Full text: Development of nuclear physics, the fundamental and the applied researches in the field of radioactive insured wide possibility for application of radionuclides and ionizing radiation source in the different fields of national economy. Application of radionuclides in chemical, metallurgical, food industry, in agriculture and etc. Fields provide a large economic profit. It's hard to apprise significance of ionizing radiation source using in medicine for diagnostics and treatment of different disease. Nuclear power engineering and nuclear industry are developing intensively. At same time nuclear power, ionizing radiation sources incur potential treat for surroundings and health of population. As even that stage of protective measure development: there is no possibility of that happening of radiation accidents. A radiation accident qualifies as loss of ionizing radiation sources direction, which provoked by disrepair equipment, natural calamity or other causes which could bring to unplanned irradiation of population or radioactive pollution of surroundings. At present some following typical cases connected with radiation accident have been chosen: Contentious using or keeping of ionizing radiation source with breach of established requires; Loss, theft of ionizing radiation sources or radiation plants, instruments; Leaving the sources of ionizing radiation in the holes; Refusal radiation technic exploited in industry, medicine, SRI and etc; Disrepair in nuclear transport means of conveyance; Crashes and accidents at NPP and at other enterprises of nuclear industry. The radiation accidents according to character, degree and scales have been divided into two groups: Radiation accidents not connected with NPP; Accidents in the nuclear engineering and industry; The radiation accidents not connected with NPP according their consequence divide into 5 groups; accidents which do not come to irradiation of personal, persons from population (more PN-permissible norm

  10. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that have been overlooked......Public insurance is commonly assimilated with redistributive tools mobilized by the welfare state in the pursuit of an egalitarian ideal. This view contains some truth, since the result of insurance, at a given moment, is the redistribution of resources from the lucky to unlucky. However, Joseph...... Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily...

  11. Laser accidents: Being Prepared

    Energy Technology Data Exchange (ETDEWEB)

    Barat, K

    2003-01-24

    The goal of the Laser Safety Officer and any laser safety program is to prevent a laser accident from occurring, in particular an injury to a person's eyes. Most laser safety courses talk about laser accidents, causes, and types of injury. The purpose of this presentation is to present a plan for safety offices and users to follow in case of accident or injury from laser radiation.

  12. Communication and industrial accidents

    OpenAIRE

    As, Sicco van

    2001-01-01

    This paper deals with the influence of organizational communication on safety. Accidents are actually caused by individual mistakes. However the underlying causes of accidents are often organizational. As a link between these two levels - the organizational failures and mistakes - I suggest the concept of role distance, which emphasizes the organizational characteristics. The general hypothesis is that communication failures are a main cause of role distance and accident-proneness within orga...

  13. The Chernobyl accident consequences

    International Nuclear Information System (INIS)

    Five teen years later, Tchernobyl remains the symbol of the greater industrial nuclear accident. To take stock on this accident, this paper proposes a chronology of the events and presents the opinion of many international and national organizations. It provides also web sites references concerning the environmental and sanitary consequences of the Tchernobyl accident, the economic actions and propositions for the nuclear safety improvement in the East Europe. (A.L.B.)

  14. Nuclear accidents and epidemiology

    International Nuclear Information System (INIS)

    A consultation on epidemiology related to the Chernobyl accident was held in Copenhagen in May 1987 as a basis for concerted action. This was followed by a joint IAEA/WHO workshop in Vienna, which reviewed appropriate methodologies for possible long-term effects of radiation following nuclear accidents. The reports of these two meetings are included in this volume, and cover the subjects: 1) Epidemiology related to the Chernobyl nuclear accident. 2) Appropriate methodologies for studying possible long-term effects of radiation on individuals exposed in a nuclear accident. Figs and tabs

  15. DEVELOPMENTS AND TRENDS IN THE LIFE INSURANCE MARKET IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Florina Oana Virlanuta

    2013-12-01

    Full Text Available An essential aspect in the life and evolution of man since ancient times was the concern for the future, fear combined with care and wisdom certainly accomplished something. The events of our lives fast moving and often they occur unpredictably. We need to make sure that our family is safe and receiving all the financial support it needs. Evolving from simple function of protection in case of death, life insurance became more complex, and at the moment we can choose one of the following forms of insurance. Life insurance is a form of financial protection of human in case of an accident, illness, disability or death. In this regard we propose an analysis of the life insurance market in Romania.

  16. Communication and industrial accidents

    NARCIS (Netherlands)

    As, Sicco van

    2001-01-01

    This paper deals with the influence of organizational communication on safety. Accidents are actually caused by individual mistakes. However the underlying causes of accidents are often organizational. As a link between these two levels - the organizational failures and mistakes - I suggest the conc

  17. Accidents - personal factors

    Energy Technology Data Exchange (ETDEWEB)

    Zaitsev, S.L.; Tsygankov, A.V.

    1982-03-01

    This paper evaluates influence of selected personal factors on accident rate in underground coal mines in the USSR. Investigations show that so-called organizational factors cause from 80 to 85% of all accidents. About 70% of the organizational factors is associated with social, personal and economic features of personnel. Selected results of the investigations carried out in Donbass mines are discussed. Causes of miner dissatisfaction are reviewed: 14% is caused by unsatisfactory working conditions, 21% by repeated machine failures, 16% by forced labor during days off, 14% by unsatisfactory material supply, 16% by hard physical labor, 19% by other reasons. About 25% of miners injured during work accidents are characterized as highly professionally qualified with automatic reactions, and about 41% by medium qualifications. About 60% of accidents is caused by miners with less than a 3 year period of service. About 15% of accidents occurs during the first month after a miner has returned from a leave. More than 30% of accidents occurs on the first work day after a day or days off. Distribution of accidents is also presented: 19% of accidents occurs during the first 2 hours of a shift, 36% from the second to the fourth hour, and 45% occurs after the fourth hour and before the shift ends.

  18. Accident investigation and analysis

    NARCIS (Netherlands)

    Kampen, J. van; Drupsteen, L.

    2013-01-01

    Many organisations and companies take extensive proactive measures to identify, evaluate and reduce occupational risks. However, despite these efforts things still go wrong and unintended events occur. After a major incident or accident, conducting an accident investigation is generally the next ste

  19. Nuclear insurance fire risk

    International Nuclear Information System (INIS)

    Nuclear facilities operate under the constant risk that radioactive materials could be accidentally released off-site and cause injuries to people or damages to the property of others. Management of this nuclear risk, therefore, is very important to nuclear operators, financial stakeholders and the general public. Operators of these facilities normally retain a portion of this risk and transfer the remainder to others through an insurance mechanism. Since the nuclear loss exposure could be very high, insurers usually assess their risk first-hand by sending insurance engineers to conduct a nuclear insurance inspection. Because a serious fire can greatly increase the probability of an off-site release of radiation, fire safety should be included in the nuclear insurance inspection. This paper reviews essential elements of a facility's fire safety program as a key factor in underwriting nuclear third-party liability insurance. (author)

  20. Effects of Pay-As-You-Drive vehicle insurance on young drivers' speed choice : Results of a Dutch field experiment

    NARCIS (Netherlands)

    Bolderdijk, J.W.; Knockaert, J.; Steg, L.; Verhoef, E.T.

    2011-01-01

    Speeding is an important cause for young drivers' involvement in traffic accidents. A reduction in driving speeds of this group could result in fewer accidents. One way of reducing driving speed is offering explicit financial incentives. In collaboration with five Dutch car insurance companies, we t

  1. Insurance flood maps

    International Nuclear Information System (INIS)

    Dear Client, in half an hour you will be hit by a flood, please get ready. Your insurance company. Such a phone call or SMS could only mean two things: drunk friends or an insurance company using a flood map. In the second case, the best thing to do on receiving such a message is to act quickly. The advantage of flood maps do not necessarily have to start at the moment a flood becomes an immediate threat. The primary role of flood maps is to allow for a fairer calculation of insurance rates. Insurance companies can save on re-insurance costs as if the risk level is predictable re-insurance companies may offer better rates. The three largest insurance companies: Allianz - Slovenska poistovna, Kooperativa and Ceska poistovna Slovensko have begun introducing flood maps. These three companies control about 75% of the market. And if competition does not force other market participants to adopt the same approach, re-insurance companies certainly will. They will charge more for a less specifically defined risk level. So far insurance companies have not encountered this pressure, re-insurance companies are helping them set up the flood maps and in the coming years flood maps will become a common tool. Then the pressure will be there: if a insurance company uses a different calculation method, the final price may differ greatly from the competition's. If the price is higher, the company will lose clients and if the price is much lower, the risk has probably not been calculated correctly and the insurance company may suffer substantial losses in the event of a major flood. In short, the investment of several million Sk in a flood map is essential

  2. Active social insurance

    OpenAIRE

    Røed, Knut

    2012-01-01

    The paper argues that a comprehensive activation strategy is called for - in both unemployment and disability insurance - to minimize the conflict between income insurance and work incentives and to prevent the economic crisis from causing a long-lasting decline in labor force participation. A review of recent empirical evidence, particularly from the Scandinavian countries, indicates that 'mild' activation requirements effectively counteract moral hazard problems in social insurance. The pap...

  3. Health and disability insurance

    OpenAIRE

    Börsch-Supan, Axel

    2011-01-01

    "Disability insurance - the insurance against the loss of the ability to work - is a substantial part of social security expenditures in many countries. The benefit recipiency rates in disability insurance vary strikingly across European countries and the US. This paper investigates the extent of, and the causes for, this variation, using econometric analyses based on new data from SHARE, ELSA and HRS. We show that even after controlling for differences in the demographic structure and health...

  4. An Epidemiological Study of Accidents among Construction Workers in Kerman

    Directory of Open Access Journals (Sweden)

    Hasan Khaje

    2011-01-01

    Full Text Available Introduction: Accidents are known among the leading causes of deaths and disabilities in developing and industrialized countries. Among the various occupations and activities, construction industry is among the most hazardous industries in the world, the risk of which and its following harms are still somehow unknown. This study aimed at investigating the epidemiology of accidents in construction, for the first time in Kerman. Methods: In this descriptive, analytical study, all construction workers (n=153 who had been hurt at work during 2006-2008 were investigated. The data were collected through questionnaire and were analyzed by chi-square and regression logistic test, SPSS statistical software. Results: The mean age of the injured workers was 32 years (the lowest age was 16 and the highest was 70 years and the highest rate of accidents occurred among the 16-36 years-old age group. Generally, 16.3 % (n=25 of the accidents led to death and 77.8% of the accidents occurred to people with junior high school and lower levels of education. There were significant relationships between the three variables of year, season and the shift in which the accident occurred and the result (death or survival of the accident. However, no significant relationships were observed between the insurance status of the injured and the results of the accidents. Conclusion: In Iran, there are strong relationships between reasons and results of accidents, so this study recommends more studies with the aim of changing the current trend to prevent the accidents in future.

  5. Theory of health insurance.

    Science.gov (United States)

    Nyman, J A

    1998-01-01

    The conventional explanation for purchasing insurance is to transfer risk. Psychologists, however, have shown that this explanation does not match actual behavior. They find that people generally prefer the risk of no loss at all to the certainty of a smaller actuarially equivalent loss, a situation exactly opposite to the one represented by the purchase of insurance. Nevertheless, people do purchase insurance, so there must be an explanation other than risk transfer for purchasing it. Of the explanations so far advanced, however, none have yet developed a wide acceptance. Regardless of risk issues, people will be more likely to purchase insurance when the premium is low compared to the value of the coverage to the consumer. Moral hazard raises the premium, as does adverse selection. The presence of either makes the purchase of insurance less likely. With health insurance, the tax subsidy can reduce the effective premium to less than the actuarially fair cost of insurance. This would increase the likelihood that health insurance is purchased. Finally, because of the value we place on our health, we desire access to a full range of health care. Health insurance is often the only affordable way of gaining access to this care, given the high costs of many of these procedures. PMID:10185500

  6. Taxes and Health Insurance

    OpenAIRE

    Jonathan Gruber

    2001-01-01

    A common prescription for reducing the number of uninsured is to increase the tax subsidization of health insurance in the U.S. Yet, we already provide over $100 billion per year in tax subsidies to health insurance. This paper provides an assessment of the past and potential impacts of taxation on health insurance coverage and costs. I begin by reviewing the central facts on health insurance and taxation. I then provide a framework for assessing the impacts of tax policies on health insuranc...

  7. Premium differentiation in social insurance

    NARCIS (Netherlands)

    P. Besseling; A.L. Bovenberg (Lans); R.A. de Mooij (Ruud)

    1998-01-01

    textabstractPremium differentiation in disability insurance encourages employers to improve working conditions in order to combat disability. Furthermore, by introducing competition in disability insurance, the implementation and administration of the insurance becomes more efficient. This advantage

  8. Management of severe accidents

    International Nuclear Information System (INIS)

    The definition and the multidimensionality aspects of accident management have been reviewed. The suggested elements in the development of a programme for severe accident management have been identified and discussed. The strategies concentrate on the two tiered approaches. Operative management utilizes the plant's equipment and operators capabilities. The recovery managment concevtrates on preserving the containment, or delaying its failure, inhibiting the release, and on strategies once there has been a release. The inspiration for this paper was an excellent overview report on perspectives on managing severe accidents in commercial nuclear power plants and extending plant operating procedures into the severe accident regime; and by the most recent publication of the International Nuclear Safety Advisory Group (INSAG) considering the question of risk reduction and source term reduction through accident prevention, management and mitigation. The latter document concludes that 'active development of accident management measures by plant personnel can lead to very large reductions in source terms and risk', and goes further in considering and formulating the key issue: 'The most fruitful path to follow in reducing risk even further is through the planning of accident management.' (author)

  9. Accidents with sulfuric acid

    Directory of Open Access Journals (Sweden)

    Rajković Miloš B.

    2006-01-01

    Full Text Available Sulfuric acid is an important industrial and strategic raw material, the production of which is developing on all continents, in many factories in the world and with an annual production of over 160 million tons. On the other hand, the production, transport and usage are very dangerous and demand measures of precaution because the consequences could be catastrophic, and not only at the local level where the accident would happen. Accidents that have been publicly recorded during the last eighteen years (from 1988 till the beginning of 2006 are analyzed in this paper. It is very alarming data that, according to all the recorded accidents, over 1.6 million tons of sulfuric acid were exuded. Although water transport is the safest (only 16.38% of the total amount of accidents in that way 98.88% of the total amount of sulfuric acid was exuded into the environment. Human factor was the common factor in all the accidents, whether there was enough control of the production process, of reservoirs or transportation tanks or the transport was done by inadequate (old tanks, or the accidents arose from human factor (inadequate speed, lock of caution etc. The fact is that huge energy, sacrifice and courage were involved in the recovery from accidents where rescue teams and fire brigades showed great courage to prevent real environmental catastrophes and very often they lost their lives during the events. So, the phrase that sulfuric acid is a real "environmental bomb" has become clearer.

  10. Persistence of airline accidents.

    Science.gov (United States)

    Barros, Carlos Pestana; Faria, Joao Ricardo; Gil-Alana, Luis Alberiko

    2010-10-01

    This paper expands on air travel accident research by examining the relationship between air travel accidents and airline traffic or volume in the period from 1927-2006. The theoretical model is based on a representative airline company that aims to maximise its profits, and it utilises a fractional integration approach in order to determine whether there is a persistent pattern over time with respect to air accidents and air traffic. Furthermore, the paper analyses how airline accidents are related to traffic using a fractional cointegration approach. It finds that airline accidents are persistent and that a (non-stationary) fractional cointegration relationship exists between total airline accidents and airline passengers, airline miles and airline revenues, with shocks that affect the long-run equilibrium disappearing in the very long term. Moreover, this relation is negative, which might be due to the fact that air travel is becoming safer and there is greater competition in the airline industry. Policy implications are derived for countering accident events, based on competition and regulation.

  11. Accidents, risks and consequences

    International Nuclear Information System (INIS)

    Although the accident at Chernobyl can be considered as the worst accident in the world, it could have been worse. Other far worse situations are considered, such as a nuclear weapon hitting a nuclear reactor. Indeed the accident at Chernobyl is compared to a nuclear weapon. The consequences of Chernobyl in terms of radiation levels are discussed. Although it is believed that a similar accident could not occur in the United Kingdom, that possibility is considered. It is suggested that emergency plans should be made for just such an eventuality. Even if Chernobyl could not happen in the UK, the effects of accidents are international. The way in which nuclear reactor accidents happen is explored, taking the 1957 Windscale fire, Three Mile Island and Chernobyl as examples. Reactor designs and accident scenarios are considered. The different reactor designs are listed. As well as the Chernobyl RBMK design it is suggested that the light water reactors also have undesirable features from the point of view of safety. (U.K.)

  12. Private Health Insurance in Canada

    OpenAIRE

    Jeremiah Hurley; Emmanuel Guindon

    2008-01-01

    Although a majority of Canadians hold some form of private health care insurance -- most commonly obtained as an employment benefit -- private insurance finances only 12% of health care expenditures in Canada and its financing role is essentially limited to complementary coverage for services not covered by public insurance programs. Private supplementary insurance for services covered by the public insurance system does not exist in Canada. This limited role for private insurance in health c...

  13. Profitability of Title Insurance Companies

    OpenAIRE

    Edwin H. Duett; Robert A. Hershbarger

    1992-01-01

    The research in this paper examines the profitability of title insurance companies in relationship to property/casualty, life/health insurance and non-insurance firms. A series of four profitability measures which have previously been tested in prior literature have been used to determine if title insurance companies are more or less profitable than the other types of insurance companies and non-insurance firms.

  14. Risk Management in Insurance Companies

    OpenAIRE

    Yang, Xufeng

    2006-01-01

    Insurance is the uncertain business in uncertain society. Today, insures face more complex and difficult risks. Efficient risk management mechanisms are essential for the insurers. The paper is set out initially to explore UK insurance companies risk management and risk disclosure by examining companies annual report after all the listed insurance companies are required to disclose risk information in their annual report, which seeks to reflect the recent development in UK insurance companies...

  15. Uninsured vs. insured population

    DEFF Research Database (Denmark)

    Andersen, Z. J.; Lin, Chyongchiou J; Chang, Chung-Chou H

    2003-01-01

    This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were ana...

  16. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)

  17. Social health insurance

    CERN Document Server

    International Labour Office. Geneva

    1997-01-01

    This manual provides an overview of social health insurance schemes and looks at the development of health care policies and feasibility issues. It also examines the design of health insurance schemes, health care benefits, financing and costs and considers the operational and strategic information requirements.

  18. Health insurance for "frontaliers"

    CERN Multimedia

    2013-01-01

    The French government has decided that, with effect from 1 June 2014, persons resident in France but working in Switzerland (hereinafter referred to as “frontaliers”) will no longer be entitled to opt for private French health insurance provision as their sole and principal health insurance.   The right of choice, which was granted by the Bilateral Agreement on the Free Movement of Persons between Switzerland and the European Union and which came into force on 1 June 2002, exempts “frontaliers” from the obligation to become a member of Switzerland’s compulsory health insurance scheme (LAMal) if they can prove that they have equivalent coverage in France, provided by either the French social security system (CMU) or a private French insurance provider. As the latter option of private health insurance as an alternative to membership of LAMal will be revoked under the new French legislation that will come into force on 1 June 2014, current “...

  19. Travel insurance and health.

    Science.gov (United States)

    Leggat, P A; Carne, J; Kedjarune, U

    1999-12-01

    Travel insurance normally underwrites travel, medical, and dental expenses incurred by travelers abroad and arranges aeromedical evacuation of travelers under conditions specified by the travel insurance policy. Because of the costs of medical and dental treatment abroad and the high cost associated with aeromedical evacuation, all travelers should be advised of the need for comprehensive travel insurance and be advised to read their policies carefully to see what is covered and to check for any exclusions. In particular, those travelers who have known preexisting conditions, who are working overseas, or who are going to undertake any form of hazardous recreational pursuit may need to obtain a special travel insurance policy, which may attract a higher premium. Conservatively, it is estimated that between 30-50% of travelers become ill or injured whilst traveling. Relative estimated monthly incidence rates of various health problems have been compiled elsewhere. The risk of severe injury is thought to be greater for people when traveling abroad. These risks should be covered by travel insurance to protect the traveler, however it is not known what proportion of travel agents or airlines give advice routinely on travel insurance. Travel insurance is the most important safety net for travelers in the event of misadventure, and should be reinforced by travel health advisers. Although only 4% of general practitioners (GPs) in a late 1980's study in the United Kingdom would advise a traveler going to Turkey about travel insurance,4 more recent studies have shown about 60% of GPs in New Zealand and 39% of travel clinics worldwide usually advised travelers concerning travel insurance. In addition, 54% of GPs in New Zealand usually also advised travelers about finding medical assistance abroad, but only 19% of GPs recommended travel insurance companies as a source of medical assistance while traveling. PMID:10575173

  20. Soviet submarine accidents

    International Nuclear Information System (INIS)

    Although the Soviet Union has more submarines than the NATO navies combined, and the technological superiority of western submarines is diminishing, there is evidence that there are more accidents with Soviet submarines than with western submarine fleets. Whether this is due to inadequate crews or lower standards of maintenance and overhaul procedures is discussed. In particular, it is suggested that since the introduction of nuclear powered submarines, the Soviet submarine safety record has deteriorated. Information on Soviet submarine accidents is difficult to come by, but a list of some 23 accidents, mostly in nuclear submarines, between 1966 and 1986, has been compiled. The approximate date, class or type of submarine, the nature and location of the accident, the casualties and damage and the source of information are tabulated. (U.K.)

  1. Accident resistant transport container

    Science.gov (United States)

    Anderson, J.A.; Cole, K.K.

    The invention relates to a container for the safe air transport of plutonium having several intermediate wood layers and a load spreader intermediate an inner container and an outer shell for mitigation of shock during a hypothetical accident.

  2. Boating Accident Statistics

    Data.gov (United States)

    Department of Homeland Security — Accident statistics available on the Coast Guard’s website by state, year, and one variable to obtain tables and/or graphs. Data from reports has been loaded for...

  3. FATAL ACCIDENT REPORTING SYSTEM (FARS)

    Science.gov (United States)

    The Fatal Accident Reporting System (FARS) database consist of three relational tables, containing data on automobile accidents on public U.S. roads that resulted in the death of one or more people within 30 days of the accident. Truck and trailer accidents are also included.

  4. Traffic Accidents on Slippery Roads

    DEFF Research Database (Denmark)

    Fonnesbech, J. K.; Bolet, Lars

    2014-01-01

    Police registrations from 65 accidents on slippery roads in normally Danish winters have been studied. The study showed: • 1 accident per 100 km when using brine spread with nozzles • 2 accidents per 100 km when using pre wetted salt • 3 accidents per 100 km when using kombi spreaders The results...

  5. Accident prevention in a contextual approach

    DEFF Research Database (Denmark)

    Dyhrberg, Mette Bang

    2003-01-01

    Many recommendations on how to establish an accident prevention program do exist. The aim of many agencies is to promote the implementation of these recommendations in enterprises. The discussion has mainly focused on incentives either in the form of an effective enforcement of the law or as a fo......Many recommendations on how to establish an accident prevention program do exist. The aim of many agencies is to promote the implementation of these recommendations in enterprises. The discussion has mainly focused on incentives either in the form of an effective enforcement of the law...... or as a focus on developing the insurance system to establish (economic) motivation. This paper suggests a more elaborated theoretical approach emphasising a differentiated understanding of the external and internal actors and how these relations form the actions of the actors. The theoretical components...... of such a contextual approach is shortly described and demonstrated in relation to a Danish case on accident prevention. It is concluded that the approach presently offers a post-ante, descriptive analytical understanding, and it is argued that it can be developed to a frame of reference for planning actions...

  6. Life Insurance. Variable Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    The term "variable" simply refers to "different investment options." Variable universal-life insurance allows the policy-owner to choose how the cash value is invested. Some variable policies have up to 50 different "sub-accounts" from which to choose.

  7. Accident management information needs

    International Nuclear Information System (INIS)

    In support of the US Nuclear Regulatory Commission (NRC) Accident Management Research Program, a methodology has been developed for identifying the plant information needs necessary for personnel involved in the management of an accident to diagnose that an accident is in progress, select and implement strategies to prevent or mitigate the accident, and monitor the effectiveness of these strategies. This report describes the methodology and presents an application of this methodology to a Pressurized Water Reactor (PWR) with a large dry containment. A risk-important severe accident sequence for a PWR is used to examine the capability of the existing measurements to supply the necessary information. The method includes an assessment of the effects of the sequence on the measurement availability including the effects of environmental conditions. The information needs and capabilities identified using this approach are also intended to form the basis for more comprehensive information needs assessment performed during the analyses and development of specific strategies for use in accident management prevention and mitigation. 3 refs., 16 figs., 7 tabs

  8. Accident and emergency management

    International Nuclear Information System (INIS)

    There is an increasing potential for severe accidents as the industrial development tends towards large, centralised production units. In several industries this has led to the formation of large organisations which are prepared for accidents fighting and for emergency management. The functioning of these organisations critically depends upon efficient decision making and exchange of information. This project is aimed at securing and possibly improving the functionality and efficiency of the accident and emergency management by verifying, demonstrating, and validating the possible use of advanced information technology in the organisations mentioned above. With the nuclear industry in focus the project consists of five main activities: 1) The study and detailed analysis of accident and emergency scenarios based on records from incidents and rills in nuclear installations. 2) Development of a conceptual understanding of accident and emergency management with emphasis on distributed decision making, information flow, and control structure sthat are involved. 3) Development of a general experimental methodology for evaluating the effects of different kinds of decision aids and forms of organisation for emergency management systems with distributed decision making. 4) Development and test of a prototype system for a limited part of an accident and emergency organisation to demonstrate the potential use of computer and communication systems, data-base and knowledge base technology, and applications of expert systems and methods used in artificial intelligence. 5) Production of guidelines for the introduction of advanced information technology in the organisations based on evaluation and validation of the prototype system. (author)

  9. The effectiveness and development trend of nuclear third party liability insurance in the nuclear risk management

    International Nuclear Information System (INIS)

    Nuclear power considerably benefited mankind since it was utilized peaceably. The cleanness, safety and high efficiency of nuclear power were gradually known and recognized by the public. However at the same time, nuclear power had produced significant accident and consequently caused severe aftereffects during its utilization. Therefore, effective management of nuclear risk and reducing its accident probability are the social responsibilities of every nuclear nation. From the insurance point of view, this document analyzes the validity and development trends of nuclear third party insurance in nuclear risk management. It also introduces effectual experience in this field from nuclear insurance developed countries. This document discusses the necessity of consummating nuclear third party insurance under the aggressive development situation of nuclear power in our country. (author)

  10. Individual insurance: health insurers try to tap potential market growth.

    Science.gov (United States)

    November, Elizabeth A; Cohen, Genna R; Ginsburg, Paul B; Quinn, Brian C

    2009-11-01

    Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies. PMID:19899193

  11. Cyclical Fluctuations in Workplace Accidents

    OpenAIRE

    Boone, J.; van Ours, J.C.

    2002-01-01

    This Paper presents a theory and an empirical investigation on cyclical fluctuations in workplace accidents. The theory is based on the idea that reporting an accident dents the reputation of a worker and raises the probability that he is fired. Therefore a country with a high or an increasing unemployment rate has a low (reported) workplace accident rate. The empirical investigation concerns workplace accidents in OECD countries. The analysis confirms that workplace accident rates are invers...

  12. Insuring against health shocks: Health insurance and household choices.

    Science.gov (United States)

    Liu, Kai

    2016-03-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. PMID:26836108

  13. The right of social insurance as constitutional right and as an important right arising from labor relations - An overview of the framework of social insurance in Albania

    Directory of Open Access Journals (Sweden)

    Mirela Selita

    2013-01-01

    Full Text Available Social insurance is part of social security which consists as well as of social assistance and services, health services and health care insurance. Everyone has the right for social insurance when retired or in case of incapacity of work under a certain system established by a law. The right of social insurance is part of labor rights. In Albania the mandatory social insurance scheme is based on the pay-as-you-earn principle, on the awareness of the individual about the risks in social field in its future and in the principle of agreement between generations. This is a scheme financed out of contributions from the employers, the employed persons and self-employed. The benefits are provided in case of sickness, maternity, old-age, disability, loss of breadwinner, employment accidents/occupational diseases and unemployment.

  14. Facilitating Consumer Learning in Insurance Markets --- What Are The Welfare Effects?

    DEFF Research Database (Denmark)

    Lagerlöf, Johan NM; Schottmüller, Christoph

    What are the welfare effects of a policy that facilitates for insurance customers to privately and covertly learn about their accident risks? We endogenize the information structure in Stiglitz's classic monopoly insurance model. We first show that his results are robust: For a small information...... acquisition cost c, the consumer gathers information and the optimal contracts are close to the ones in the Stiglitz model. If c is so low that the consumer already gathers information (c c, marginally reducing c hurts...

  15. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    ), which refines EU theory to incorporate income and predicts that property insurance is a normal good; (b) a mental accounting model based on the idea that consumers budget their income across consumption categories (Thaler, 1985); and (c) the baseline, classic EU theory, which predicts that insurance...... is an inferior good (Mossin, 1968). The behaviour reported by subjects in our study suggests that insurance is a normal good, while their verbal reports reveal desires to balance two conflicting goals in deductible decisions, keeping premiums “affordable” and keeping deductibles “affordable,” which suggests...

  16. Particularity of Selling Insurance for Romanian Insurance Companies

    OpenAIRE

    Gavriletea Marius

    2008-01-01

    It is already known that marketing has a very important role for the success of each type business. Insurance sector is an industry with continuously modification towards insured risks, exclusions and quotations. The competition in the Romanian insurance industry is a really tough one, and the insurance companies that will adopt better marketing strategies will be successful and profitable ones. As a part of marketing field, distribution channels in insurance grew in importance in the last de...

  17. Recompensation practice of insurances for diseases resulting from ionizing radiation, 'probability of causation'

    International Nuclear Information System (INIS)

    As carriers of the statutory accident insurances the trade associations of the Federal Republic of Germany are competent for the compensation of occupational accidents and diseases. The lecture deals with the legal fundamentals of compensation and explains how it is employed (examples). The significance of the radioepidemiological tables of the National Institutes for Health of the USA for medical expert opinion is considered. (orig./DG)

  18. [Psychogenesis of accidents].

    Science.gov (United States)

    Giannattasio, E; Nencini, R; Nicolosi, N

    1988-01-01

    After having carried out a historical review of industrial psychology with specific attention to the evolution of the concept of causality in accidents, the Authors formulate their work hypothesis from that research which take into highest consideration the executives' attitudes in the genesis of the accidents. As dogmatism appears to be one of the most negative of executives' attitudes, the Authors administered Rockeach's Scale to 130 intermediate executives from 6 industries in Latium and observed the frequency index for accidents and the morbidity index (absenteeism) of the 2149 workhand. The Authors assumed that to high degree of dogmatism on the executives' side should correspond o a higher level of accidents and absenteeism among the staff. The data processing revealed that, due to the type of machinery employed, three of the industries examined should be considered as High Risk Industrie (HRI), while the remaining three could be considered as Low Risk Industries (LRI): in fact, due to the different working conditions, a significant lower number of accidents occurred in last the three. A statistically significant correlation between the executives' dogmatism and the number of accidents among their workhand in the HRI has been noticed, while this has not been observed in the LRI. This confirms, as had already been pointed out by Gemelli in 1944, that some "objective conditions" are requested so that the accident may actually take place. On the other hand the morbidity index has not shown any difference related to the different kind of industries (HRI, LRI): in both cases statistically significant correlations were obtained between the executives' dogmatism and the staff's absenteeism. absenteeism.(ABSTRACT TRUNCATED AT 250 WORDS) PMID:3154344

  19. Accidents in nuclear ships

    Energy Technology Data Exchange (ETDEWEB)

    Oelgaard, P.L. [Risoe National Lab., Roskilde (Denmark)]|[Technical Univ. of Denmark, Lyngby (Denmark)

    1996-12-01

    This report starts with a discussion of the types of nuclear vessels accidents, in particular accidents which involve the nuclear propulsion systems. Next available information on 61 reported nuclear ship events in considered. Of these 6 deals with U.S. ships, 54 with USSR ships and 1 with a French ship. The ships are in almost all cases nuclear submarines. Only events that involve the sinking of vessels, the nuclear propulsion plants, radiation exposures, fires/explosions, sea-water leaks into the submarines and sinking of vessels are considered. For each event a summary of available information is presented, and comments are added. In some cases the available information is not credible, and these events are neglected. This reduces the number of events to 5 U.S. events, 35 USSR/Russian events and 1 French event. A comparison is made between the reported Soviet accidents and information available on dumped and damaged Soviet naval reactors. It seems possible to obtain good correlation between the two types of events. An analysis is made of the accident and estimates are made of the accident probabilities which are found to be of the order of 10{sup -3} per ship reactor years. It if finally pointed out that the consequences of nuclear ship accidents are fairly local and does in no way not approach the magnitude of the Chernobyl accident. It is emphasized that some of the information on which this report is based, may not be correct. Consequently some of the results of the assessments made may not be correct. (au).

  20. Accidents in nuclear ships

    International Nuclear Information System (INIS)

    This report starts with a discussion of the types of nuclear vessels accidents, in particular accidents which involve the nuclear propulsion systems. Next available information on 61 reported nuclear ship events in considered. Of these 6 deals with U.S. ships, 54 with USSR ships and 1 with a French ship. The ships are in almost all cases nuclear submarines. Only events that involve the sinking of vessels, the nuclear propulsion plants, radiation exposures, fires/explosions, sea-water leaks into the submarines and sinking of vessels are considered. For each event a summary of available information is presented, and comments are added. In some cases the available information is not credible, and these events are neglected. This reduces the number of events to 5 U.S. events, 35 USSR/Russian events and 1 French event. A comparison is made between the reported Soviet accidents and information available on dumped and damaged Soviet naval reactors. It seems possible to obtain good correlation between the two types of events. An analysis is made of the accident and estimates are made of the accident probabilities which are found to be of the order of 10-3 per ship reactor years. It if finally pointed out that the consequences of nuclear ship accidents are fairly local and does in no way not approach the magnitude of the Chernobyl accident. It is emphasized that some of the information on which this report is based, may not be correct. Consequently some of the results of the assessments made may not be correct. (au)

  1. Insurance Risks – Hedging Techniques

    OpenAIRE

    Botea Elena Mihaela; Sahlian Daniela Nicoleta; Stanila Oana Georgiana

    2011-01-01

    Insurance companies by their specific activity and by the variety of operations are exposed to a multitude of risks. We can say that the risk is the basic condition of the insurance. If there were no risks, there would be no insurance. Therefore, risk insurance is a specific element, being subject to any insurance contract. Seeking a definition for risk, one can say that “risk is a danger, a threat faced by goods, people, businesses and insurance companies may provide”. The insurance companie...

  2. HUD Insured Multifamily Properties

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA insured Multifamily Housing portfolio consist primarily of rental housing properties with five or more dwelling units such as apartments or town houses, but...

  3. Captive insurance companies.

    Science.gov (United States)

    Strauss, Peter

    2014-01-01

    The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually.

  4. Group life insurance

    CERN Document Server

    2013-01-01

    The CERN Administration wishes to inform staff members and fellows having taken out optional life insurance under the group contract signed by CERN that the following changes to the rules and regulations entered into force on 1 January 2013:   The maximum age for an active member has been extended from 65 to 67 years. The beneficiary clause now allows insured persons to designate one or more persons of their choice to be their beneficiary(-ies), either at the time of taking out the insurance or at a later date, in which case the membership/modification form must be updated accordingly. Beneficiaries must be clearly identified (name, first name, date of birth, address).   The membership/modification form is available on the FP website: http://fp.web.cern.ch/helvetia-life-insurance For further information, please contact: Valentina Clavel (Tel. 73904) Peggy Pithioud (Tel. 72736)

  5. HUD Insured Hospitals

    Data.gov (United States)

    Department of Housing and Urban Development — The Office of Healthcare Programs (OHP), previously known as the Office of Insured Health Care Facilities, is located within the Office of Housing and administers...

  6. Computer Crime and Insurance.

    Science.gov (United States)

    Beaudoin, Ralph H.

    1985-01-01

    The susceptibility of colleges and universities to computer crime is great. While insurance coverage is available to cover the risks, an aggressive loss-prevention program is the wisest approach to limiting the exposures presented by computer technology. (MLW)

  7. Scoping accident(s) for emergency planning

    International Nuclear Information System (INIS)

    At the request of the Conference of State Radiation Control Program Director's (CRCPD), in November 1976 the U.S. Nuclear Regulatory Commission formed a joint Task Force with representatives of the U.S. Environmental Protection Agency to answer a number of questions posed by the States regarding emergency planning. This Task Force held monthly meetings through November 1977. In December 1977 a draft report was prepared for limited distribution for review and comment by selected State and local organizations. The NRC/EPA Task Force deliberations centered on the CRCPD request for '... a determination of the most severe accident basis for which radiological emergency response plans should be developed by offsite agencies...' in the vicinity of nuclear power plants. Federal Interagency guidance to the States in this regard has been that the scoping accident should be the most serious conservatively analyzed accident considered for siting purposes, as exemplified in the Commission's Regulations at 10 CFR Part 100 and the NRC staffs Regulatory Guides 1.3 and 1.4, and as presented in license applicant's Safety Analysis Reports and the USNRC Staffs Safety Evaluation Reports. The draft report of the Task Force amplifies on this recommendation: to present a clearer picture of its import and introduces the concept of protective action zones (PAZs) within which detailed emergency plans should be developed; one zone for the plume exposure pathway and a second, larger zone for contamination pathways. The time dependence of potential releases and atmospheric transport, and important radionuclide groups of possible import are also discussed in the draft Task Force report. A status report regarding this effort, as of June 1978, will be presented. (author)

  8. The insurance business and the nuclear fuel cycle

    International Nuclear Information System (INIS)

    The legally required financial security is provided by the insurance business by way of liability insurance systems. Insurance coverage is given for the obligation to pay damages in compliance with section 13 Atomic Energy Act, which refers to all objects of legal protection also defined in section 823, sub-sec. (1) BGB. The legal provisions valid in the F.R.G. are very similar to the provisions in most western countries. They comply with the Paris Convention which determines the legal bases of the international third party liability system which have been supplemented by the Brussels Convention. The reactor accident at Chernobyl has induced discussions and changes in the insurance sector. A major conclusion was that liability criteria must have unambiguous definition and delimitation. A compensation system is feasible only on the basis of clear-cut definitions. A first step in this direction has been done by issuing maximum permissible limits for foodstuffs. Another major instrument for coping with a nuclear accident is the distribution scheme defined in section 35 Atomic Energy Act. (orig./HSCH)

  9. Dementia and Traffic Accidents

    DEFF Research Database (Denmark)

    Petersen, Jindong Ding; Siersma, Volkert; Nielsen, Connie Thurøe;

    2016-01-01

    BACKGROUND: As a consequence of a rapid growth of an ageing population, more people with dementia are expected on the roads. Little is known about whether these people are at increased risk of road traffic-related accidents. OBJECTIVE: Our study aims to investigate the risk of road traffic...... Central Research Register, and/or (2) at least one dementia diagnosis-related drug prescription registration in the Danish National Prescription Registry. Police-, hospital-, and emergency room-reported road traffic-related accidents occurred within the study follow-up are defined as the study outcome...... selection bias due to nonparticipation and loss to follow-up. Furthermore, this ensures that the study results are reliable and generalizable. However, underreporting of traffic-related accidents may occur, which will limit estimation of absolute risks....

  10. The management of accidents

    Directory of Open Access Journals (Sweden)

    R. B. Ward

    2009-01-01

    Full Text Available Purpose: This author’s experiences in investigating well over a hundred accident occurrences has led to questioning how such events can be managed - - - while immediately recognising that the idea of managing accidents is an oxymoron, we don’t want to manage them, we don’t want not to manage them, what we desire is not to have to manage not-them, that is, manage matters so they don’t happen and then we don’t have to manage the consequences.Design/methodology/approach: The research will begin by defining some common classes of accidents in manufacturing industry, with examples taken from cases investigated, and by working backwards (too late, of course show how those involved could have managed these sample events so they didn’t happen, finishing with the question whether any of that can be applied to other situations.Findings: As shown that the management actions needed to prevent accidents are control of design and application of technology, and control and integration of people.Research limitations/implications: This paper has shown in some of the examples provided, management actions have been know to lead to accidents being committed by others, lower in the organization.Originality/value: Today’s management activities involve, generally, the use of technology in many forms, varying from simple tools (such as knives to the use of heavy equipment, electric power, and explosives. Against these we commit, in control of those items, the comparatively frail human mind and body, which, again generally, does succeed in controlling these resources, with (another generality by appropriate management. However, sometimes the control slips and an accident occurs.

  11. The TMI-2 accident

    International Nuclear Information System (INIS)

    A critical study about the technical and man-related facts in order to establish what is considered the worst commercial nuclear power accident until 1986. Radiological consequences and stress to the public are considered in contrast to antinuclear groups. This descriptive and technical study has the purpose to document written and oral opinions obtained abroad and then explain to the public in an easy language terminology. Preliminary study describing safety related systems fails and the accident itself with minute to minute description, conduct to the consequences and then, to learned lessons

  12. Have US Legislatures Fully Considered Causal Factors in Assigning Liability for Inherent Risk Accidents?

    Directory of Open Access Journals (Sweden)

    Terence J. Centner

    2014-09-01

    Full Text Available The public’s dissatisfaction with American tort rules has led US state legislatures to enact more than 120 statutes for assigning liability for accident losses. Many of these statutes address the liability of accidents involving inherent risks of activities where neither the activity provider nor injured participant was negligent. Due to business complaints about high insurance costs, legislatures decided that participants ought to bear the costs arising from inherent risk accidents. Yet, causal factors associated with sport activities may support an alternative liability rule to maximize social welfare. Because inherent risk statutes lead to increased activity levels, they are accompanied by increased accident costs. Factors causing incorrect liability results may be compared to offer a recommendation for a liability regime for inherent risk accidents.

  13. Serbian insurance market: Select issues

    Directory of Open Access Journals (Sweden)

    Obadović Mirjana M.

    2010-01-01

    Full Text Available Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insurance risk management directly related to insurance company risk, i.e. it is a model that can reliably determine the manner and intensity with which deviations in the initial insurance risk assessment affect insurance company operations, in the form of changes in operational risks and consequently in insurance companies’ business strategies. Additionally we present the implementation of the model in the Serbian market for the period 2005-2010.

  14. Dental insurance! Are we ready?

    Science.gov (United States)

    Toor, Ravi S S; Jindal, R

    2011-01-01

    Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI) bill which was put forward in the winter session of the Lok Sabha (2008) focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.

  15. Dental insurance! Are we ready?

    Directory of Open Access Journals (Sweden)

    Ravi SS Toor

    2011-01-01

    Full Text Available Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI bill which was put forward in the winter session of the Lok Sabha (2008 focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.

  16. Social Work and the Uniform Accident and Sickness Policy Provision Law: A Pilot Project

    Science.gov (United States)

    Cochran, Gerald; Davis, King

    2012-01-01

    The Uniform Accident and Sickness Policy Provision Law (UPPL) is a statute existing in 26 states that permits health insurance companies to deny payment for claims made by individuals who have sustained injuries as a result of drug or alcohol use. This law presents a series of complicated clinical and ethical dilemmas for social workers and other…

  17. Three Mile Island accident. Local reactions

    International Nuclear Information System (INIS)

    Local reactions to the Three Mile Island are presented as well as newspaper articles covering this accident. In addition, this document presents a plan to set forth procedures and guidelines to be utilized by authorized emergency personnel in Middletown, Royalton, Londonderry Township, and Lower Swatara Township located in Pennsylvania, United States. The plan will provide for the orderly and efficient handling of area residents during time of serious incidents emanating from Three Mile Island facility. Emergency personnel in each community should be familiar with portions of the plan that pertain to the other near-by communities. The cooperation of all parties concerned will insure that a maximum effort is being made to help protect the public against injuries and v/ill in some cases keep any damages to communities to a minimum

  18. Occupational accidents aboard merchant ships

    DEFF Research Database (Denmark)

    Hansen, H.L.; Nielsen, D.; Frydenberg, Morten

    2002-01-01

    aboard. Relative risks for notified accidents and accidents causing permanent disability of 5% or more were calculated in a multivariate analysis including ship type, occupation, age, time on board, change of ship since last employment period, and nationality. Foreigners had a considerably lower recorded...... identified during a total of 31 140 years at sea. Among these, 209 accidents resulted in permanent disability of 5% or more, and 27 were fatal. The mean risk of having an occupational accident was 6.4/100 years at sea and the risk of an accident causing a permanent disability of 5% or more was 0.67/100 years...... rate of accidents than Danish citizens. Age was a major risk factor for accidents causing permanent disability. Change of ship and the first period aboard a particular ship were identified as risk factors. Walking from one place to another aboard the ship caused serious accidents. The most serious...

  19. Description of the accident

    International Nuclear Information System (INIS)

    The TMI-2 accident occurred in March 1979. The accident started with a simple and fairly common steam power plant failure--loss of feedwater to the steam generators. Because of a combination of design, training, regulatory policies, mechanical failures and human error, the accident progressed to the point where it eventually produced the worst known core damage in large nuclear power reactors. Core temperatures locally reached UO2 fuel liquefaction (metallic solution with Zr) and even fuel melt (3800-51000F). Extensive fission product release and Zircaloy cladding oxidation and embrittlement occurred. At least the upper 1/2 of the core fractured and crumbled upon quenching. The lower central portion of the core apparently had a delayed heatup and then portions of it collapsed into the reactor vessel lower head. The lower outer portion of the core may be relatively undamaged. Outside of the core boundary, only those steel components directly above and adjacent to the core (≤1 foot) are known to have suffered significant damage (localized oxidation and melting). Other portions of the primary system outside of the reactor vessel apparently had little chance of damage or even notable overheating. The demonstrated coolability of the severely damaged TMI-2 core, once adequate water injection began, was one of the most substantial and important results of the TMI-2 accident

  20. The Chernobyl reactor accident

    International Nuclear Information System (INIS)

    The documentation abstracted contains a complete survey of the broadcasts transmitted by the Russian wire service of the Deutsche Welle radio station between April 28 and Mai 15, 1986 on the occasion of the Chernobyl reactor accident. Access is given to extracts of the remarkable eastern and western echoes on the broadcasts of the Deutsche Welle. (HP)

  1. Measures against nuclear accidents

    International Nuclear Information System (INIS)

    A select committee appointed by the Norwegian Ministry of Social Affairs put forward proposals concerning measures for the improvement of radiation protection preparedness in Norway. On the basis on an assessment of the potential radiation accident threat, the report examines the process of response, and identifies the organizational and management factors that influence that process

  2. Road Traffic Accidents in Kazakhstan

    OpenAIRE

    Alma Aubakirova; Alibek Kossumov; Nurbek Igissinov

    2013-01-01

    Background: The article provides the analysis of death rates in road traffic accidents in Kazakhstan from 2004 to 2010 and explores the use of sanitary aviation. Methods: Data of fatalities caused by road traffic accidents were collected and analysed. Descriptive and analytical methods of epidemiology and biomedical statistics were applied. Results: Totaly 27,003 people died as a result of road traffic accidents in this period. The death rate for the total population due to road traffic accid...

  3. Group Life Insurance

    CERN Document Server

    2013-01-01

    The CERN Administration would like to remind you that staff members and fellows have the possibility to take out a life insurance contract on favourable terms through a Group Life Insurance.   This insurance is provided by the company Helvetia and is available to you on a voluntary basis. The premium, which varies depending on the age and gender of the person insured, is calculated on the basis of the amount of the death benefit chosen by the staff member/fellow and can be purchased in slices of 10,000 CHF.    The contract normally ends at the retirement age (65/67 years) or when the staff member/fellow leaves the Organization. The premium is deducted monthly from the payroll.   Upon retirement, the staff member can opt to maintain his membership under certain conditions.   More information about Group Life Insurance can be found at: Regulations (in French) Table of premiums The Pension Fund Benefit Service &...

  4. ENDOWMENT LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    Zeljko Sain

    2013-06-01

    Full Text Available The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the scientific methodology of the deductive character based on scientific, theoretical knowledge and practical realities. Following the basic theoretical model’s determinants, which are at the beginning of the paper, the basic difference between models further in this paper was carried out according to the character of the premium to be paid. Finally, the financial repercussions of some models are presented at examples in insurance companies. The result of this paper is to show the spectrum of possible forms of capital endowment insurance which can be, without major problems, depending on the financial policy of the company, applied in actual practice. The conclusion of this paper shows the theoretical and the practical reality of this model, life insurance, and its quantitative and qualitative guidelines.

  5. The psychology of nuclear accidents

    International Nuclear Information System (INIS)

    Incidents involving nuclear weapons are described, as well as the accident to the Three Mile Island-2 reactor. Methods of assessment of risks are discussed, with particular reference to subjective judgements and the possible role of human error in civil nuclear accidents. Accidents or misunderstandings in communication or human actions which might lead to nuclear war are also discussed. (U.K.)

  6. Authority structure and industrial accidents

    NARCIS (Netherlands)

    As, Sicco van

    2001-01-01

    This paper deals with the influence of organizational characteristics on safety. Accidents are actually caused by individual mistakes. However the underlying causes of accidents are often organizational. The general hypothesis is that the authority structure is a main cause of accident-proneness wit

  7. Health insurance for Users and other Associated Members of the Personnel

    CERN Multimedia

    2015-01-01

    A new health insurance option for Associated Members of the Personnel (including users): Allianz Worldwide Care Healthcare Plan for CERN MPAs.   Based on a survey conducted by the Users’ Office and a request by the Advisory Committee of CERN Users (ACCU), CERN has looked into health insurance products on the market and has identified a health insurance for MPAs and their accompanying family members which covers the financial consequences of illness and accidents and which is deemed adequate in CERN’s Host States. This insurance may be a useful option for MPAs who may not have adequate coverage in place from their home institution or who choose not to or cannot enrol in the CERN Health Insurance Scheme (CHIS). For the time being the insurance company can only offer limited duration policies to MPAs. We hope that this restriction can be removed in the future. The health insurance is offered by the insurance company Allianz WorldWide Care for a monthly fee of 139 euros per insure...

  8. Anti-Insurance: Analysing the Health Insurance System in Australia

    OpenAIRE

    Joshua S. Gans; Stephen P. King

    2003-01-01

    This paper develops a model to analyse the Australian health insurance system when individuals differ in their health risk and this risk is private information. The Australian system involves mixed public and private health insurance with private insurance both duplicating and supplementing public insurance. We show that, absent any other interventions, the Australian system implicitly transfers wealth from those most at risk of adverse health to those least at risk. When considered over soci...

  9. Price--Anderson Act: the insurance industry's view

    International Nuclear Information System (INIS)

    The insurance industry feels the expense of providing insurance coverage under the Price-Anderson Act is justified because it encouraged development of nuclear power and assured protection for the public in the event of an accident. Insurance pools have been instituted in about 20 countries in order to distribute the risk on a worldwide basis. Changes in the original Act allow an off-site claimant to get compensation with defense waived and provide for the transition of financial responsibility from the public to the private sector. To date the pools have refunded $9.7 of $12.7 million (73 percent) of the premiums to the insured and the remainder has grown into a $45 million fund, which reflects the success of the nuclear industry and the regulatory agencies in establishing a safe record. This record covers 60 power reactors, 50 research and development reactors, waste disposal sites, and about 50 nuclear facilities. With the exception of reactor operators and fuel reprocessors, the insurance is voluntary at premiums ranging from $1000 to $260,000. A total of $600,000 has been paid in claims

  10. BUSINESS INTELLIGENCE FOR INSURANCE COMPANIES

    Directory of Open Access Journals (Sweden)

    A. Ignatiuk

    2016-06-01

    Full Text Available The current state and future trends for the world and domestic insurance markets are analyzed. The description of business intelligence methodology, tools and their practical implication for insurance companies are provided.

  11. Tractor accidents in Swedish traffic.

    Science.gov (United States)

    Pinzke, Stefan; Nilsson, Kerstin; Lundqvist, Peter

    2012-01-01

    The objective of this study is to reach a better understanding of accidents on Swedish roads involving tractors and to suggest ways of preventing them. In an earlier study we analyzed police-reported fatal accidents and accidents that led to physical injuries from 1992 to 2005. During each year of this period, tractors were involved in 128 traffic accidents on average, an average of 7 people were killed, 44 sustained serious injuries, and 143 sustained slight injuries. The number of fatalities in these tractor accidents was about 1.3% of all deaths in traffic accidents in Sweden. Cars were most often involved in the tractor accidents (58%) and 15% were single vehicle accidents. The mean age of the tractor driver involved was 39.8 years and young drivers (15-24 years) were overrepresented (30%). We are now increasing the data collected with the years 2006-2010 in order to study the changes in the number of accidents. Special attention will be given to the younger drivers and to single vehicle accidents. Based on the results we aim to develop suggestions for reducing road accidents, e.g. including measures for making farm vehicles more visible and improvement of the training provided at driving schools. PMID:22317543

  12. Why Firms Purchase Property Insurance?

    OpenAIRE

    Daniel Aunon-Nerin; Paul Ehling

    2007-01-01

    We investigate whether corporate finance incentives aect the extent of corporate hedging with property insurance. Using a database that contains detailed insurance information, we show that rms buy property insurance to reduce the expected costs of distress. Further, we document a scale effect: large rms purchase less insurance per unit of property. This is consistent with the notion that expected bankruptcy costs fall as firm size increases. We also show that the dividend payout ratio exerts...

  13. Managing Risk With Revenue Insurance

    OpenAIRE

    Dismukes, Robert; Coble, Keith H.

    2006-01-01

    Crop revenue insurance offers farmers a way to manage revenue variability that results from yield and price risks. Commodity-level revenue insurance, particularly for corn, soybeans, and wheat, has become a major part of the subsidized Federal crop insurance program. Whole-farm revenue insurance, based on combined revenue from all commodities produced on a farm, is a more broad-based approach, but is difficult to administer.

  14. PREMIUMS CALCULATION FOR LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    ANA PREDA

    2012-10-01

    Full Text Available The paper presents the techniques and the formulas used on international practice for establishing the premiums for a life policy. The formulas are generally based on a series of indicators named mortality indicators which mainly point out the insured survival probability, the death probability and life expectancy at certain age. I determined, using a case study, the unique net premium, the annual net premium for a survival insurance, whole life insurance and mixed life insurance.

  15. Insurance search and switching behavior

    OpenAIRE

    Bolhaar, J.A.; Klaauw, van der, B.; Lindeboom, M.

    2010-01-01

    This discussion paper resulted in a publication in 'De Economist' , 2015, 163, 25-60. This paper looks into the search behavior of consumers in the market for health insurance contracts. We consider the recent health insurance reform in The Netherlands, where a private-public mix of insurance provision was replaced by a system based on managed competition. Although all insurers offer the same basic package (determined by the government), there is substantial premium dispersion. We develop a s...

  16. Employment Turnover and Unemployment Insurance

    OpenAIRE

    Hassler, John; Vicente Rodríguez Mora, José

    1997-01-01

    Two features distinguish European and US labour markets. First, most European countries have a considerably more generous unemployment insurance system. Second, the duration of unemployment and employment spells are substantially higher in Europe – employment turnover is lower. We show that self-insurance, i.e. saving and borrowing, is a good substitute for unemployment insurance when turnover is as high as in the United States. If the insurance system is less than perfectly actuarially fair,...

  17. Challenges facing the insurance industry since the modernisation of the international nuclear third party liability regime

    International Nuclear Information System (INIS)

    The modernisation of international conventions governing third-party liability in the nuclear field is essentially an attempt to resolve certain shortcomings whilst setting out higher compensation sums and extending the cover for nuclear damage for which compensation is payable. The latest convention revisions occurred in 2004 and led to the adoption of protocols amending the Paris Convention on Third Party Liability in the Field of Nuclear Energy and the Brussels Convention supplementing the Paris Convention. However, the substance of the current regimes is largely the result of conventions drawn up in the 1960's and, in the eyes of the general public, the changes made in 2004 are mainly concerned with increasing the compensation sums. Despite the proposed increases in the compensation amounts, there is certainly no doubt that the potential costs of a major nuclear accident will not be fully covered by the revised Conventions. In other words, the actual compensation amount in the event of nuclear damage is quite low if we refer back to known events. By way of example, the direct cost of the Fukushima Daiichi nuclear power plant accident is estimated to be above EUR 100 billion according to different sources. The accident virtually bankrupted the Tokyo Electric Power Company (TEPCO) immediately after this event. The economic costs of the Chernobyl accident, however, are difficult to assess even now. But, according to various sources, the costs also exceed USD 100 billion. The Fukushima Daiichi and Chernobyl accidents share common characteristics. First, the amount of damage could have been even higher had the accident occurred close to major population centres or if the wind direction at the time of the accident had been different. Second, no compensation was provided by the insurance world. Further, these two accidents did not occur within the framework of the new amended conventions (the latest revision of the Paris Convention has still not taken effect). These

  18. [Drowning accidents in childhood].

    Science.gov (United States)

    Krandick, G; Mantel, K

    1990-09-30

    This is a report on five boys aged between 1 and 5 years who, after prolonged submersion in cold water, were treated at our department. On being taken out of the water, all the patients were clinically dead. After 1- to 3-hour successful cardiopulmonary resuscitation, with a rectal temperature of about 27 degrees C, they were rewarmed at a rate of 1 degree/hour. Two patients died within a few hours after the accident. One patient survived with an apallic syndrome, 2 children survived with no sequelae. In the event of a water-related accident associated with hypothermia, we consider suitable resuscitation to have preference over rewarming measures. The most important treatment guidelines and prognostic factors are discussed.

  19. Nuclear ship accidents

    International Nuclear Information System (INIS)

    In this report available information on 28 nuclear ship accident and incidents is considered. Of these 5 deals with U.S. ships and 23 with USSR ships. The ships are in almost all cases nuclear submarines. Only events that involve the nuclear propulsion plants, radiation exposures, fires/explosions and sea water leaks into the submarines are considered. Comments are made on each of the events, and at the end of the report an attempt is made to point out the weaknesses of the submarine designs which have resulted in the accidents. It is emphasized that much of the available information is of a rather dubious nature. consequently some of the assessments made may not be correct. (au)

  20. Farm accidents in children.

    Science.gov (United States)

    Cogbill, T H; Busch, H M; Stiers, G R

    1985-10-01

    During a 6 1/2 year period, 105 children were admitted to the hospital as the result of trauma that occurred on farms. The mechanism of injury was animal related in 42 (40%), tractor or wagon accident in 28 (26%), farm machinery in 21 (20%), fall from farm building in six (6%), and miscellaneous in eight (8%). Injury Severity Score was calculated for each patient. An Injury Severity Score of greater than or equal to 25 was determined for 11 children (11%). Life-threatening injuries, therefore, are frequently the result of childhood activities that take place in agricultural environments. The most common injuries were orthopedic, neurologic, thoracoabdominal, and maxillofacial. There was one death in the series, and only one survivor sustained major long-term disability. Such injuries are managed with optimal outcome in a regional trauma center. Educational programs with an emphasis on prevention and safety measures may reduce the incidence of farm accidents. PMID:4047799

  1. Dementia and Traffic Accidents

    DEFF Research Database (Denmark)

    Petersen, Jindong Ding; Siersma, Volkert; Nielsen, Connie Thurøe;

    2016-01-01

    BACKGROUND: As a consequence of a rapid growth of an ageing population, more people with dementia are expected on the roads. Little is known about whether these people are at increased risk of road traffic-related accidents. OBJECTIVE: Our study aims to investigate the risk of road traffic......-related accidents for people aged 65 years or older with a diagnosis of dementia in Denmark. METHODS: We will conduct a nationwide population-based cohort study consisting of Danish people aged 65 or older living in Denmark as of January 1, 2008. The cohort is followed for 7 years (2008-2014). Individual's personal...... data are available in Danish registers and can be linked using a unique personal identification number. A person is identified with dementia if the person meets at least one of the following criteria: (1) a diagnosis of the disease in the Danish National Patient Register or in the Danish Psychiatric...

  2. Portfolio Selection and Insurance Period

    OpenAIRE

    Aoba, Nobuko

    2001-01-01

    This paper examines market risks, portfolio selection and period of insurance in a life insurance market. Date from many countries indicate that over ninety percent of bankruptcies of life insurers are due of failures in financial risk management. Financial risk management is therefore central. ...

  3. 46 CFR Sec. 13 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  4. Price Variability in Automobile Insurance

    OpenAIRE

    Joseph A. Fields; Emilio C. Venezian; David Jou

    1992-01-01

    In this paper the causes of variation in automobile insurance prices are examined within a small and homogenous state. The central hypothesis of interest is the relation between the price of automobile insurance and the quality of the product. The findings here indicate that the market is one which contains substantial frictions, making the search for automobile insurance products a worthwhile activity for consumers.

  5. Insurance Incentives for Health Promotion.

    Science.gov (United States)

    Hosokawa, Michael C.

    1984-01-01

    To reduce the cost of reimbursements, many insurance companies have begun to use insurance incentives as a way to motivate individuals to participate in health promotion activities. Traditional health education, research and demonstration, and policy-premium incentives are methods of health promotion used by life and health insurance companies.…

  6. 46 CFR 308.403 - Insured amounts.

    Science.gov (United States)

    2010-10-01

    ... total amount of war risk insurance obtainable from companies authorized to do an insurance business in a... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.403 Insured amounts. (a) Prelaunching period. The amount insured...

  7. 49 CFR 835.11 - Obtaining Board accident reports, factual accident reports, and supporting information.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 7 2010-10-01 2010-10-01 false Obtaining Board accident reports, factual accident... Board accident reports, factual accident reports, and supporting information. It is the responsibility... obtain Board accident reports, factual accident reports, and accompanying accident docket files....

  8. HOUSING INSURANCE IN ROMANIA

    Directory of Open Access Journals (Sweden)

    FLOREA IANC MARIA MIRABELA

    2014-12-01

    Full Text Available Last few years have shown that Romania is not protected from the consequences of climate change. It is clear that type flood events may cause social problems and losses is difficult financing from public resources, especially in the context of the existence of budget constraints. The only viable system to cope with such disasters is insurance system that has the ability to spread risks by reinsurance Natural disasters - earthquakes, floods, landslides - are just some of the risks that may threaten your home. And if natural disasters can seem distant danger, think as fires, floods caused by broken pipes or theft of household goods are trouble can happen anytime to anyone. To protect yourself in such unpleasant situations, whose frequency is unfortunately on the rise, it is necessary to be assured. Thus, you will be able to recover losses in the event that they occur. The house is undoubtedly one of the most important assets we own. Therefore, the Romans began to pay increasingly more attention to domestic insurance products. Since 2011, voluntary home insurance, life insurance with, were the most dynamic segments of the market.

  9. Need Health Insurance?

    Centers for Disease Control (CDC) Podcasts

    2013-12-23

    Sign up for affordable health insurance with free preventive services available beginning October 1, 2013 through March 31, 2014.  Created: 12/23/2013 by Office of the Associate Director for Policy (OADP), Office of the Associate Director for Communication (OADC).   Date Released: 12/23/2013.

  10. [Diagnosis and treatment of diving accidents. New German guidelines for diving accidents 2014-2017].

    Science.gov (United States)

    Jüttner, B; Wölfel, C; Liedtke, H; Meyne, K; Werr, H; Bräuer, T; Kemmerer, M; Schmeißer, G; Piepho, T; Müller, O; Schöppenthau, H

    2015-06-01

    In 2015 the German Society for Diving and Hyperbaric Medicine (GTÜM) and the Swiss Underwater and Hyperbaric Medical Society (SUHMS) published the updated guidelines on diving accidents 2014-2017. These multidisciplinary guidelines were developed within a structured consensus process by members of the German Interdisciplinary Association for Intensive Care and Emergency Medicine (DIVI), the Sports Divers Association (VDST), the Naval Medical Institute (SchiffMedInst), the Social Accident Insurance Institution for the Building Trade (BG BAU), the Association of Hyperbaric Treatment Centers (VDD) and the Society of Occupational and Environmental Medicine (DGAUM). This consensus-based guidelines project (development grade S2k) with a representative group of developers was conducted by the Association of Scientific Medical Societies in Germany. It provides information and instructions according to up to date evidence to all divers and other lay persons for first aid recommendations to physician first responders and emergency physicians as well as paramedics and all physicians at therapeutic hyperbaric chambers for the diagnostics and treatment of diving accidents. To assist in implementing the guideline recommendations, this article summarizes the rationale, purpose and the following key action statements: on-site 100% oxygen first aid treatment, still patient positioning and fluid administration are recommended. Hyperbaric oxygen (HBO) recompression remains unchanged the established treatment in severe cases with no therapeutic alternatives. The basic treatment scheme recommended for diving accidents is hyperbaric oxygenation at 280 kPa. For quality management purposes there is a need in the future for a nationwide register of hyperbaric therapy.

  11. Radiation accident/disaster

    International Nuclear Information System (INIS)

    Described are the course of medical measures following Fukushima Daiichi Nuclear Power Plant (FNPP) Accident after the quake and tsunami (Mar. 11, 2011) and the future task for radiation accident/disaster. By the first hydrogen explosion in FNPP (Mar. 12), evacuation of residents within 20 km zone was instructed, and the primary base for measures of nuclear disaster (Off-site Center) 5 km afar from FNPP had to work as a front base because of damage of communicating ways, of saving of injured persons and of elevation of dose. On Mar. 13, the medical arrangement council consisting from stuff of Fukushima Medical University (FMU), National Institute of Radiological Sciences, Nuclear Safety Research Association and Prefectural officers was setup in residents' hall of Fukushima City, and worked for correspondence to persons injured or exposed, where communication about radiation and between related organizations was still poor. The Off-site Center's head section moved to Prefectural Office on Mar. 15 as headquarters. Early in the period, all residents evacuated from the 20 km zone, and in-hospital patients and nursed elderly were transported with vehicles, >50 persons of whom reportedly died mainly by their base diseases. The nation system of medicare for emergent exposure had consisted from the network of the primary to third facilities; there were 5 facilities in the Prefecture, 3 of which were localized at 4-9 km distance from FNPP and closed early after the Accident; and the secondary facility of FMU became responsible to all exposed persons. There was no death of workers of FNPP. Medical stuff also measured the ambient dose at various places near FNPP, having had risk of exposure. At the Accident, the important system of command, control and communication was found fragile and measures hereafter should be planned on assumption of the worst scenario of complete damage of the infrastructure and communication. It is desirable for Disaster Medical Assistance Team which

  12. Accidents and human factors

    International Nuclear Information System (INIS)

    When the TMI accident occurred it was 4 a.m., an hour when the error potential of the operators would have been very high. The frequency of car and train accidents in Japan is also highest between 4 a.m. and 6 a.m. The error potential may be classified into five phases corresponding to the electroencephalogramic pattern (EEG). At phase 0, when the delta wave appears, a person is unconscious and in deep sleep; at phase I, when the theta wave appears, he is very tired, sleepy and subnormal; at phase II, when the alpha wave appears, he is normal, relaxed and passive; at phase III, when the beta wave appears, he is normal, clear-minded and active; at phase IV, when the strong beta or epileptic wave appears, he is hypernormal, excited and incapable of normal judgement. Should an accident occur at phase II, the brain condition may jump to phase IV. At this phase the error or accident potential is maximum. The response of the human brain to different types of noises and signals may vary somewhat for different individuals and for different groups of people. Therefore, the possibility that such differences in brain functions may influence the mental structure would be worthy of consideration in human factors and in the design of man-machine systems. Human reliability and performance would be affected by many factors: medical, physiological and psychological, etc. The uncertainty involved in human factors may not necessarily be probabilistic, but fuzzy. Therefore, it would be important to develop a theory by which both non-probabilistic uncertainties, or fuzziness, of human factors and the probabilistic properties of machines can be treated consistently. From the mathematical point of view, probabilistic measure is considered a special case of fuzzy measure. Therefore, fuzzy set theory seems to be an effective tool for analysing man-machine systems. To minimize human error and the possibility of accidents, new safety systems should not only back up man and make up for his

  13. Systematic register of nuclear accidents

    International Nuclear Information System (INIS)

    The Systematic Register of Nuclear Accidents is a consolidation of important accidents occurred in the world during the period 1945-1984. Important accidents can be defined as those involving high radiation doses, which require the exposed individuals to undergo medical treatment. The organization and structuring of this register rests on the necessity for the availability of a database specifically oriented to researchers interested in studying the different nuclear accidents reported. Approximately 150 accidents in that period are presented in a summary form; these accidents had been described or reported in the scientific literature or made known through informal communications of Brazilian and foreign institutions and researchers. This register can be of interest particularly to all professionals who either directly of indirectly work in the area of nuclear or radioactive installations safety. In order to facilitate analysis by the researcher, that casuistic system was divided into 3 groups: criticality accidents (table I), fall-out on Marshall Islands (table II) and external irradiation accidents (table III). It is also included an overview of accidents in that period, indicating the total number of victims, fatal cases, and number of survivors. The author offers to the reader an extensive bibliography on the accidents described. (Author)

  14. Insurance against climate change and flood risk: Insurability and decision processes of insurers

    Science.gov (United States)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

    1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability

  15. Modern problems in insurance mathematics

    CERN Document Server

    Martin-Löf, Anders

    2014-01-01

    This book is a compilation of 21 papers presented at the International Cramér Symposium on Insurance Mathematics (ICSIM) held at Stockholm University in June, 2013. The book comprises selected contributions from several large research communities in modern insurance mathematics and its applications. The main topics represented in the book are modern risk theory and its applications, stochastic modelling of insurance business, new mathematical problems in life and non-life insurance, and related topics in applied and financial mathematics. The book is an original and useful source of inspiration and essential reference for a broad spectrum of theoretical and applied researchers, research students and experts from the insurance business. In this way, Modern Problems in Insurance Mathematics will contribute to the development of research and academy–industry co-operation in the area of insurance mathematics and its applications.

  16. The impact of health insurance reform on insurance instability.

    Science.gov (United States)

    Freund, Karen M; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Kapoor, Alok; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Battaglia, Tracy A

    2014-02-01

    We investigated the impact of the 2006 Massachusetts health care reform on insurance coverage and stability among minority and underserved women. We examined 36 months of insurance claims among 1,946 women who had abnormal cancer screening at six community health centers pre-(2004-2005) and post-(2007-2008) insurance reform. We examined frequency of switches in insurance coverage as measures of longitudinal insurance instability. On the date of their abnormal cancer screening test, 36% of subjects were publicly insured and 31% were uninsured. Post-reform, the percent ever uninsured declined from 39% to 29% (p .001) and those consistently uninsured declined from 23% to 16%. To assess if insurance instability changed between the pre- and post-reform periods, we conducted Poisson regression models, adjusted for patient demographics and length of time in care. These revealed no significant differences from the pre- to post-reform period in annual rates of insurance switches, incident rate ratio 0.98 (95%- CI 0.88-1.09). Our analysis is limited by changes in the populations in the pre- and post-reform period and inability to capture care outside of the health system network. Insurance reform increased stability as measured by decreasing uninsured rates without increasing insurance switches.

  17. Tools for improving safety management in the Norwegian Fishing Fleet occupational accidents analysis period of 1998-2006.

    Science.gov (United States)

    Aasjord, Halvard L

    2006-01-01

    Reporting of human accidents in the Norwegian Fishing Fleet has always been very difficult because there has been no tradition in making reports on all types of working accidents among fishermen, if the accident does not seem to be very serious or there is no economical incentive to report. Therefore reports are only written when the accidents are serious or if the fisherman is reported sick. Reports about an accident are sent to the insurance company, but another report should also be sent to the Norwegian Maritime Directorate (NMD). Comparing of data from one former insurance company and NMD shows that the real numbers of injuries or serious accidents among Norwegian fishermen could be up to two times more than the numbers reported to NMD. Special analyses of 1690 accidents from the so called PUS-database (NMD) for the period 1998-2002, show that the calculated risk was 23.6 accidents per 1000 man-years. This is quite a high risk level, and most of the accidents in the fishing fleet were rather serious. The calculated risks are highest for fishermen on board the deep sea fleet of trawlers (28.6 accidents per 1000 man-years) and also on the deep sea fleet of purse seiners (28.9 accidents per 1000 man-years). Fatal accidents over a longer period of 51.5 years from 1955 to 2006 are also roughly analysed. These data from SINTEF's own database show that the numbers of fatal accidents have been decreasing over this long period, except for the two periods 1980-84 and 1990-94 where we had some casualties with total losses of larger vessels with the loss of most of the crew, but also many others typical work accidents on smaller vessels. The total numbers of registered Norwegian fishermen and also the numbers of man-years have been drastically reduced over the 51.5 years from 1955 to 2006. The risks of fatal accidents have been very steady over time at a high level, although there has been a marked risk reduction since 1990-94. For the last 8.5-year period of January 1998

  18. Accident management insights after the Fukushima Daiichi NPP accident

    International Nuclear Information System (INIS)

    The Fukushima Daiichi nuclear power plant (NPP) accident, that took place on 11 March 2011, initiated a significant number of activities at the national and international levels to reassess the safety of existing NPPs, evaluate the sufficiency of technical means and administrative measures available for emergency response, and develop recommendations for increasing the robustness of NPPs to withstand extreme external events and beyond design basis accidents. The OECD Nuclear Energy Agency (NEA) is working closely with its member and partner countries to examine the causes of the accident and to identify lessons learnt with a view to the appropriate follow-up actions to be taken by the nuclear safety community. Accident management is a priority area of work for the NEA to address lessons being learnt from the accident at the Fukushima Daiichi NPP following the recommendations of Committee on Nuclear Regulatory Activities (CNRA), Committee on the Safety of Nuclear Installations (CSNI), and Committee on Radiation Protection and Public Health (CRPPH). Considering the importance of these issues, the CNRA authorised the formation of a task group on accident management (TGAM) in June 2012 to review the regulatory framework for accident management following the Fukushima Daiichi NPP accident. The task group was requested to assess the NEA member countries needs and challenges in light of the accident from a regulatory point of view. The general objectives of the TGAM review were to consider: - enhancements of on-site accident management procedures and guidelines based on lessons learnt from the Fukushima Daiichi NPP accident; - decision-making and guiding principles in emergency situations; - guidance for instrumentation, equipment and supplies for addressing long-term aspects of accident management; - guidance and implementation when taking extreme measures for accident management. The report is built on the existing bases for capabilities to respond to design basis

  19. Authority structure and industrial accidents

    OpenAIRE

    As, Sicco van

    2001-01-01

    This paper deals with the influence of organizational characteristics on safety. Accidents are actually caused by individual mistakes. However the underlying causes of accidents are often organizational. The general hypothesis is that the authority structure is a main cause of accident-proneness within organizations. On one side, the most obvious model for a safe organization would be the ideal-typical bureaucracy. On the other side, potential problems are little flexibility and control is ba...

  20. Chernobyl reactor accident

    International Nuclear Information System (INIS)

    Following the accident at Chernobyl nuclear reactor, WHO organized on 6 May 1986 in Copenhagen a one day consultation of experts with knowledge in the fields of meteorology, radiation protection, biological effects, reactor technology, emergency procedures, public health and psychology in order to analyse the development of events and their consequences and to provide guidance as to the needs for immediate public health action. The present report provides detailed information on the transportation and dispersion of the radioactive material in the atmosphere, especially volatile elements, during the release period 26 April - 5 May. Presented are the calculated directions and locations of the radioactive plume over Europe in the first 5 days after the accident, submitted by the Swedish Meteorological and Hydrological Institute. The calculations have been made for two heights, 1500m and 750m and the plume directions are grouped into five periods, covering five European areas. The consequences of the accident inside the USSR and the radiological consequences outside the USSR are presented including the exposure routes and the biological effects, paying particular attention to iodine-131 effects. Summarized are the first reported measured exposure rates above background, iodine-131 deposition and concentrations in milk and the remedial actions taken in various European countries. Concerning the cesium-137 problem, based on the UNSCEAR assessment of the consequences of the nuclear fallout, one concludes that the cesium contamination outside the USSR is not likely to cause any serious problems. Finally, the conclusions and the recommendations of the meeting, taking into account both the short-term and longer term considerations are presented

  1. The accident of Chernobyl

    International Nuclear Information System (INIS)

    RBMK reactors (reactor control, protection systems, containment) and the nuclear power plant of Chernobyl are first presented. The scenario of the accident is given with a detailed chronology. The actions and consequences on the site are reviewed. This report then give the results of the source term estimation (fision product release, core inventory, trajectories, meteorological data...), the radioactivity measurements obtained in France. Health consequences for the French population are evoked. The medical consequences for the population who have received a high level of doses are reviewed

  2. Serious accident in Peru

    International Nuclear Information System (INIS)

    A peruvian man, victim of an important accidental irradiation arrived on the Saturday twenty ninth of may 1999 to the centre of treatment of serious burns at the Percy military hospital (Clamart -France). The accident spent on the twentieth of February 1999, on the site of a hydroelectric power plant, in construction at 300 km at the East of Lima. The victim has picked up an industrial source of iridium devoted to gamma-graphy operations and put it in his back pocket; of trousers. The workman has serious radiation burns. (N.C.)

  3. Accident prevention programme

    International Nuclear Information System (INIS)

    This study by the Steel Industry Safety and Health Commission was made within the context of the application by undertakings of the principles of accident and disease prevention previously adopted by the said Commission. It puts forward recommendations for the effective and gradual implementation of a programme of action on occupational health and safety in the various departments of an undertaking and in the undertaking as a whole. The methods proposed in this study are likely to be of interest to all undertakings in the metallurgical industry and other industrial sectors

  4. Reactor accident in Chernobyl

    International Nuclear Information System (INIS)

    The bibliography contains 1568 descriptions of papers devoted to Chernobylsk accident and recorded in ''INIS Atomindex'' to 30 June 1990. The descriptions were taken from ''INIS Atomindex'' and are presented in accordance with volumes of this journal (chronology of recording). Therefore all descriptions have numbers showing first the number of volume and then the number of record. The bibliography has at the end the detailed subject index consisting of 465 main headings and a lot of qualifiers. Some of them are descriptors taken from ''INIS Atomindex'' and some are key words taken from natural language. The index is in English as descriptions in the bibliography. (author)

  5. Insurance in Tourism Industry

    OpenAIRE

    Taleski, Petar; Taskov, Nako

    2011-01-01

    The issue of cost and availability of insurance, particularly for tourism operators, has become a common issue for the tourism industry across European Union. It has been particularly problematic in those jurisdictions that have a high number of adventure and eco-tourism operators. The main challenge appears to be in relation to securing commercial general liability coverage and/or obtaining such coverage on a cost effective basis. One of the problems is that the tourism industry does not ...

  6. Life insurance mathematics

    CERN Document Server

    Gerber, Hans U

    1997-01-01

    This concise introduction to life contingencies, the theory behind the actuarial work around life insurance and pension funds, will appeal to the reader who likes applied mathematics. In addition to model of life contingencies, the theory of compound interest is explained and it is shown how mortality and other rates can be estimated from observations. The probabilistic model is used consistently throughout the book. Numerous exercises (with answers and solutions) have been added, and for this third edition several misprints have been corrected.

  7. Insurance contracts on tourism

    OpenAIRE

    Krasniqi, Armand

    2010-01-01

    The business life in the modern world is developed upon the logia of the domination of the rules and within them an important role play those that are related to implementation of the standards that are connected with he security and insurances. Due to the need for an economic transformation it resulted with the creating of a new set of new contracts which commencing from several general principles of the obligatory law, that regulate the situation which were not established insofar, which in...

  8. Risk management and insurance

    OpenAIRE

    Kenneth A. Froot

    2012-01-01

    Ulm University is regarded as a pioneer in the establishment of Quantitative Economics. In 1977, it was Ulm that first introduced Mathematics and Management as a course of studies, which to this day still enjoys a great demand, and which has led to the establishment of similar study programs in other locations. This study course forms the basis for the successful research area of risk management and insurances established at the Ulm University.

  9. Unions and Wage Insurance

    OpenAIRE

    Burda, Michael C

    1995-01-01

    Existing theories of unions emphasize their impact on wage levels relative to the opportunity cost of leisure. This paper explores tha possibility that monopoly unions provide income insurance against idiosyncratic wage variability. An optimal union contract is characterized by real wage and other types of flexibility only in response to systematic changes in underlying uncertainty. Under such conditions, there is no presumption that the "union wage premium" relative to the free market wage i...

  10. Guidance on accidents involving radioactivity

    International Nuclear Information System (INIS)

    This annex contains advice to Health Authorities on their response to accidents involving radioactivity. The guidance is in six parts:-(1) planning the response required to nuclear accidents overseas, (2) planning the response required to UK nuclear accidents a) emergency plans for nuclear installations b) nuclear powered satellites, (3) the handling of casualties contaminated with radioactive substances, (4) background information for dealing with queries from the public in the event of an accident, (5) the national arrangements for incident involving radioactivity (NAIR), (6) administrative arrangements. (author)

  11. Limited Deposit Insurance Coverage and Bank Competition

    OpenAIRE

    Shy, Oz; Stenbacka, Rune; Yankov, Vladimir

    2014-01-01

    Deposit insurance designs in many countries place a limit on the coverage of deposits in each bank. However, no limits are placed on the number of accounts held with different banks. Therefore, under limited deposit insurance, some consumers open accounts with different banks to achieve higher or full deposit insurance coverage. We compare three regimes of deposit insurance: No deposit insurance, unlimited deposit insurance, and limited deposit insurance. We show that limited deposit insuranc...

  12. Claims prevention within home insurance : Insights from insurance customers

    OpenAIRE

    Skorna, Alexander C.H.; Paefgen, Johannes; von Watzdorf, Stephan

    2011-01-01

    The recent economic crisis has speeded up the concentration process within the European insurance sector. However, nowadays customers are more price sensitive, which increases pressure for the whole industry and in consequence leads to further premium erosions. Thus, some insurers are seeking new ways to differentiate their portfolio by offering innovative insurance products combined with prevention activities to compete with a high value-added service strategy. The objective of this research...

  13. Optimal Taxation and Social Insurance with Endogenous Private Insurance

    OpenAIRE

    Chetty, Nadarajan; Saez, Emmanuel

    2008-01-01

    We characterize welfare gains from government intervention when the private sector provides partial insurance. We analyze models in which adverse selection, pre-existing information, or imperfect optimization create a role for government intervention. We derive formulas that map existing empirical estimates into quantitative predictions for optimal policy. When private insurance generates moral hazard, standard formulas for optimal government insurance must be modified to account for fiscal e...

  14. 1976 Hanford americium accident

    Energy Technology Data Exchange (ETDEWEB)

    Heid, K R; Breitenstein, B D; Palmer, H E; McMurray, B J; Wald, N

    1979-01-01

    This report presents the 2.5-year medical course of a 64-year-old Hanford nuclear chemical operator who was involved in an accident in an americium recovery facility in August 1976. He was heavily externally contaminated with americium, sustained a substantial internal deposition of this isotope, and was burned with concentrated nitric acid and injured by flying debris about the face and neck. The medical care given the patient, including the decontamination efforts and clinical laboratory studies, are discussed. In-vivo measurements were used to estimate the dose rates and the accumulated doses to body organs. Urinary and fecal excreta were collected and analyzed for americium content. Interpretation of these data was complicated by the fact that the intake resulted both from inhalation and from solubilization of the americium embedded in facial tissues. A total of 1100 ..mu..Ci was excreted in urine and feces during the first 2 years following the accident. The long-term use of diethylenetriaminepentate (DTPA), used principally as the zinc salt, is discussed including the method, route of administration, and effectiveness. To date, the patient has apparently experienced no complications attributable to this extensive course of therapy, even though he has been given approximately 560 grams of DTPA. 4 figures, 1 table.

  15. LONGEVITY INSURANCE: A MISSING MARKET

    OpenAIRE

    ADAM CREIGHTON; HENRY HONGBO JIN; JOHN PIGGOTT; Emiliano A. Valdez

    2005-01-01

    More than half of the world's old live in Asia, and around 35% in India and China alone. As demographic transition proceeds regionally and globally, the development of a robust and reliable longevity insurance market will become essential. Although the need for such insurance is most pressing in Asia, longevity risk is poorly managed practically everywhere. This paper reviews theory and practice relating to longevity risk and insurance, amid a rapidly changing demographic and policy landscape...

  16. Insurance for autonomous underwater vehicles

    OpenAIRE

    Griffiths, G; N Bose; Ferguson, J.; Blidberg, D.R.

    2007-01-01

    The background and practice of insurance for autonomous underwater vehicles (AUVs) are examined. Key topics include: relationships between clients, brokers and underwriters; contract wording to provide appropriate coverage; and actions to take when an incident occurs. Factors that affect cost of insurance are discussed, including level of autonomy, team experience and operating environment. Four case studies from industry and academia illustrate how AUV insurance has worked in practice. The p...

  17. Managing Risk with Crop Insurance

    OpenAIRE

    Edwards, William M.

    2003-01-01

    Every year Iowa farmers face the threat of damage to their crops from drought, hail, flood, insects, and other natural disasters. The U.S.D.A. Risk Management Agency (RMA) and private crop insurance venders have developed a set of insurance programs to help control crop production risks at a reasonable cost. Crop insurance coverage is not mandatory, but it does provide a financial safety net in case of severe production losses.

  18. 77 FR 12517 - VA Dental Insurance Program

    Science.gov (United States)

    2012-03-01

    ... AFFAIRS 38 CFR Part 17 RIN 2900-AN99 VA Dental Insurance Program AGENCY: Department of Veterans Affairs...) proposes to amend its regulations to establish a pilot program to offer premium-based dental insurance to... insurer through the Federal contracting process to offer dental insurance, and the private insurer...

  19. Health Problems in Radiation Accidents

    International Nuclear Information System (INIS)

    The authors define a radiation accident as a situation which has led or could have led to the unexpected irradiation of persons or contamination of the environment over and above the levels accepted as safe. Several categories of accidents are distinguished as a function of the consequences to be expected. The suggested system of classifying accidents makes it possible to plan post-accident measures within a single system of 'concentric circles', taking into account at the same time whether it will be possible to carry out the post-accident measures unaided or whether it will be necessary to bring in additional manpower and resources from outside. The authors consider the possibility of countering the effects of accidents as a function of their nature, with reference to the biological, economic and psychological aspects. They evaluate the part played by the health service in planning and carrying out accident prevention measures, and consider the function of radiological units attached to epidemiological health stations ; these units are essentially centres providing for precautionary measures to avert accidents and action to counter their effects. (author)

  20. Containment severe accident thermohydraulic phenomena

    International Nuclear Information System (INIS)

    This report describes and discusses the containment accident progression and the important severe accident containment thermohydraulic phenomena. The overall objective of the report is to provide a rather detailed presentation of the present status of phenomenological knowledge, including an account of relevant experimental investigations and to discuss, to some extent, the modelling approach used in the MAAP 3.0 computer code. The MAAP code has been used in Sweden as the main tool in the analysis of severe accidents. The dependence of the containment accident progression and containment phenomena on the initial conditions, which in turn are heavily dependent on the in-vessel accident progression and phenomena as well as associated uncertainties, is emphasized. The report is in three parts dealing with: * Swedish reactor containments, the severe accident mitigation programme in Sweden and containment accident progression in Swedish PWRs and BWRs as predicted by the MAAP 3.0 code. * Key non-energetic ex-vessel phenomena (melt fragmentation in water, melt quenching and coolability, core-concrete interaction and high temperature in containment). * Early containment threats due to energetic events (hydrogen combustion, high pressure melt ejection and direct containment heating, and ex-vessel steam explosions). The report concludes that our understanding of the containment severe accident progression and phenomena has improved very significantly over the parts ten years and, thereby, our ability to assess containment threats, to quantify uncertainties, and to interpret the results of experiments and computer code calculations have also increased. (au)

  1. Preventing accidents at intake towers

    Energy Technology Data Exchange (ETDEWEB)

    Villegas, F. (INTEGRAL S.A., Medellin, CO (United States))

    1994-03-01

    Strong air blow-outs occurring in the intake tower of Guatape Hydroelectric Power Plant in Colombia have caused two serious accidents recently. The causes of the accidents were investigated and recommendations are made here to prevent future repetitions of these dangerous events. (UK)

  2. Probability of spent fuel transportation accidents

    Energy Technology Data Exchange (ETDEWEB)

    McClure, J. D.

    1981-07-01

    The transported volume of spent fuel, incident/accident experience and accident environment probabilities were reviewed in order to provide an estimate of spent fuel accident probabilities. In particular, the accident review assessed the accident experience for large casks of the type that could transport spent (irradiated) nuclear fuel. This review determined that since 1971, the beginning of official US Department of Transportation record keeping for accidents/incidents, there has been one spent fuel transportation accident. This information, coupled with estimated annual shipping volumes for spent fuel, indicated an estimated annual probability of a spent fuel transport accident of 5 x 10/sup -7/ spent fuel accidents per mile. This is consistent with ordinary truck accident rates. A comparison of accident environments and regulatory test environments suggests that the probability of truck accidents exceeding regulatory test for impact is approximately 10/sup -9//mile.

  3. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. PMID:23206642

  4. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act.

  5. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Science.gov (United States)

    2010-04-01

    ... age of the insured under a life insurance contract. (a) In general. This section provides guidance on determining the attained age of an insured under a contract that is a life insurance contract under the... second of the two insureds dies. (ii) Section 1.7702-2(c)(1) provides that if a life insurance...

  6. 76 FR 71624 - Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance...

    Science.gov (United States)

    2011-11-18

    ... AFFAIRS Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance..., Government Life Insurance, VA Form 29-357. OMB Control Number: 2900-0016. Type of Review: Extension of a... disability insurance on National Service Life Insurance and United States Government Life Insurance......

  7. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

    on the theme, originally proposed by Fischer Black. In CPPI, a financial institution guarantees a floor value for the “insured” portfolio and adjusts the stock/bond mix to produce a leveraged exposure to the risky assets, which depends on how far the portfolio value is above the floor. Plain-vanilla portfolio...... insurance largely died with the crash of 1987, but CPPI is still going strong. In the frictionless markets of finance theory, the issuer’s strategy to hedge its liability under the contract is clear, but in the real world with transactions costs and stochastic jump risk, the optimal strategy is less obvious...

  8. The National Insurance Academy: Serving India's Insurance Professionals and Researchers

    Science.gov (United States)

    Sane, Bhagyashree

    2011-01-01

    This article discusses how a special library can meet the needs of a specific industry. The author focuses on India's National Insurance Academy (NIA) Library, which serves the insurance industry of India and some neighboring countries. It is where the author serves as the chief librarian.

  9. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... U.S. bank under deposit agreements governed by non-U.S. law to take advantage of a large bank's... 330 Bank deposit insurance, Banks, Banking, Reporting and recordkeeping requirements, Savings and Loan... of U.S. insured depository institutions (``IDI'' or ``U.S. bank''). The Final Rule clarifies...

  10. The role of environmental insurance in maintaining environmental safety of the region

    Directory of Open Access Journals (Sweden)

    Svetlana Yevgenyevna Shipitsyna

    2013-03-01

    Full Text Available In the article, the development problems of environmental insurance as a risk management method for maintaining environmental safety in the region are considered. The detailed analysis of the laws of the Russian Federation in conservation activity is presented; contradictions and shortcomings arerevealed. Ways of overcoming of theexisting formalcharacter of maintaining environmental safety in the Russian regions are offered. In particular, extension of insurance covering in the current law «On compulsory insurance of the civil liability of an owner of dangerous installation on the infliction of harm as a result of accident on dangerous installation» at the expense of inclusion in number of insurance risks of risk of environmental harm. The special attention in the article is paid to insurance of public liability of owners of chemical objects as the most dangerous to the environment. The methodology of actuarial expectation is added with a risk assessment of expert services with the use of a scoring method allowing evaluating real danger to the population and the environment by the chemicals, which are especially acting in small doses. Furthermore, the added calculation methodology of insurance tariffs allows using preventive function of insurance, not so popular in Russian practices. That gives a new source of financing of nature-conservative measures in the region

  11. EPIDEMIOGY OF TRAFFIC ACCIDENTS IN TEHRAN 1.EVENT: THE ACCIDENTS

    Directory of Open Access Journals (Sweden)

    K Nasseri

    1977-11-01

    Full Text Available A total of 38, 300 traffic collisions have occurred in Tehran, the capital of Iran, during 1973. 5, 655 of these collisions in 6, 700 injuries and 560 deaths are selected and discussed. There has been no difference between the accident rates in working and holidays. Winter has had the lowest rate, and accidents have been in direct relationship with the crowdedness and heavy traffic periods. Ninety – eight per cent of the accidents have been caused by either the drivers or the pedestrians’ negligence. These and other findings are discussed.

  12. 78 FR 71726 - Comment Request; Insurance Survey

    Science.gov (United States)

    2013-11-29

    ... AFFAIRS Comment Request; Insurance Survey AGENCY: Veterans Benefits Administration, Department of Veterans... this notice. This notice solicits comments on information needed to determine how well the Insurance... use of other forms of information technology. Title: Insurance Survey. OMB Control Number:...

  13. 77 FR 11191 - Insurance Cost Information Regulation

    Science.gov (United States)

    2012-02-24

    ..., 58 FR 12545, NHTSA amended 49 CFR part 582, Insurance Cost Information Regulation, to require all... National Highway Traffic Safety Administration Insurance Cost Information Regulation AGENCY: National... insurance cost information booklet that all car dealers must make available to prospective...

  14. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    OpenAIRE

    N. Prikazyuk; Motashko, T.

    2014-01-01

    The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  15. Can health-insurance help prevent child labor? An impact evaluation from Pakistan.

    Science.gov (United States)

    Landmann, Andreas; Frölich, Markus

    2015-01-01

    Child labor is a common consequence of economic shocks in developing countries. We show that reducing vulnerability can affect child labor outcomes. We exploit the extension of a health and accident insurance scheme by a Pakistani microfinance institution that was set up as a randomized controlled trial and accompanied by household panel surveys. Together with increased coverage the microfinance institution offered assistance with claim procedures in treatment branches. We find lower incidence of child labor, hazardous occupations and child labor earnings caused by the innovation. Boys are more often engaged in child labor in our sample, but also seem to profit more from the insurance innovation. PMID:25461898

  16. CONSIDERATIONS REGARDING EU LIFE INSURANCE MARKET

    OpenAIRE

    Ana Preda

    2012-01-01

    The main feature characterizing the development of the insurance system is globalization of world insurance market through a process of gradual liquidation of economic and legislative barriers between states. European insurance market analysis will be made through gross written premiums, insurance density and penetration, comparing European insurance market with the major regions markets of the world. The effects of financial crisis on the life insurance market of EU countries, and the place ...

  17. Business Cycle Dependent Unemployment Insurance

    DEFF Research Database (Denmark)

    Andersen, Torben M.; Svarer, Michael

    The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive...

  18. Income insurance in European agriculture

    NARCIS (Netherlands)

    Meuwissen, M.P.M.; Huirne, R.B.M.; Skees, J.R.

    2003-01-01

    The agricultural risk environment in Europe is changing, for example because of WTO agreements and governments increasingly withdrawing from disaster assistance in case of catastrophic events. In this context, some form of income insurance may be a useful risk management tool for farmers. Insuring f

  19. The Dutch health insurance reform.

    NARCIS (Netherlands)

    Groenewegen, P.; Zee, J. van der

    2006-01-01

    On 1 January 2006 a number of far-reaching changes in Dutch health insurance came into effect. A standard package was introduced, compulsory for everyone. Price competition between insurers and health care providers, as well as freedom of choice for consumers were introduced or extended. The aim of

  20. International aspects of nuclear accidents

    International Nuclear Information System (INIS)

    The accident at Chernobyl revealed that there were shortcomings and gaps in the existing international mechanisms and brought home to governments the need for stronger measures to provide better protection against the risks of severe accidents. The main thrust of international co-operation with regard to nuclear safety issues is aimed at achieving a uniformly high level of safety in nuclear power plants through continuous exchanges of research findings and feedback from reactor operating experience. The second type of problem posed in the event of an accident resulting in radioactive contamination of several countries relates to the obligation to notify details of the circumstances and nature of the accident speedily so that the countries affected can take appropriate protective measures and, if necessary, organize mutual assistance. Giving the public accurate information is also an important aspect of managing an emergency situation arising from a severe accident. Finally, the confusion resulting from the unwarranted variety of protective measures implemented after the Chernobyl accident has highlighted the need for international harmonization of the principles and scientific criteria applicable to the protection of the public in the event of an accident and for a more consistent approach to emergency plans. The international conventions on third party liability in the nuclear energy sector (Paris/Brussels Conventions and the Vienna Convention) provide for compensation for damage caused by nuclear accidents in accordance with the rules and jurisdiction that they lay down. These provisions impose obligations on the operator responsible for an accident, and the State where the nuclear facility is located, towards the victims of damage caused in another country

  1. FOREIGN EXPERIENCE IN INTERNET INSURANCE OPERATION

    Directory of Open Access Journals (Sweden)

    A. Tlusta

    2015-04-01

    Full Text Available This paper examines the current state and characteristics of the relationship between the insurance entities in the implementation of online insurance in foreign countries. Studied the basic conditions and development trends of the Internet insurance market in the process of informatization of insurance companies. The basic concept of interaction between the subjects of the insurance market through the website were noticed. The study reveals the necessity and expediency of using new approaches of the acquisition of insurance services via Internet. The problems of implementation and development of online insurance remains valid for all countries, regardless of the state of the insurance market and the financial market as a whole.

  2. [Prevention of bicycle accidents].

    Science.gov (United States)

    Zwipp, H; Barthel, P; Bönninger, J; Bürkle, H; Hagemeister, C; Hannawald, L; Huhn, R; Kühn, M; Liers, H; Maier, R; Otte, D; Prokop, G; Seeck, A; Sturm, J; Unger, T

    2015-04-01

    For a very precise analysis of all injured bicyclists in Germany it would be important to have definitions for "severely injured", "seriously injured" and "critically injured". By this, e.g., two-thirds of surgically treated bicyclists who are not registered by the police could become available for a general analysis. Elderly bicyclists (> 60 years) are a minority (10 %) but represent a majority (50 %) of all fatalities. They profit most by wearing a helmet and would be less injured by using special bicycle bags, switching on their hearing aids and following all traffic rules. E-bikes are used more and more (145 % more in 2012 vs. 2011) with 600,000 at the end of 2011 and are increasingly involved in accidents but still have a lack of legislation. So even for pedelecs 45 with 500 W and a possible speed of 45 km/h there is still no legislative demand for the use of a protecting helmet. 96 % of all injured cyclists in Germany had more than 0.5 ‰ alcohol in their blood, 86 % more than 1.1 ‰ and 59 % more than 1.7 ‰. Fatalities are seen in 24.2 % of cases without any collision partner. Therefore the ADFC calls for a limit of 1.1 ‰. Some virtual studies conclude that integrated sensors in bicycle helmets which would interact with sensors in cars could prevent collisions or reduce the severity of injury by stopping the cars automatically. Integrated sensors in cars with opening angles of 180° enable about 93 % of all bicyclists to be detected leading to a high rate of injury avoidance and/or mitigation. Hanging lamps reduce with 35 % significantly bicycle accidents for children, traffic education for children and special trainings for elderly bicyclists are also recommended as prevention tools. As long as helmet use for bicyclists in Germany rates only 9 % on average and legislative orders for using a helmet will not be in force in the near future, coming up campaigns seem to be necessary to be promoted by the Deutscher

  3. [Prevention of bicycle accidents].

    Science.gov (United States)

    Zwipp, H; Barthel, P; Bönninger, J; Bürkle, H; Hagemeister, C; Hannawald, L; Huhn, R; Kühn, M; Liers, H; Maier, R; Otte, D; Prokop, G; Seeck, A; Sturm, J; Unger, T

    2015-04-01

    For a very precise analysis of all injured bicyclists in Germany it would be important to have definitions for "severely injured", "seriously injured" and "critically injured". By this, e.g., two-thirds of surgically treated bicyclists who are not registered by the police could become available for a general analysis. Elderly bicyclists (> 60 years) are a minority (10 %) but represent a majority (50 %) of all fatalities. They profit most by wearing a helmet and would be less injured by using special bicycle bags, switching on their hearing aids and following all traffic rules. E-bikes are used more and more (145 % more in 2012 vs. 2011) with 600,000 at the end of 2011 and are increasingly involved in accidents but still have a lack of legislation. So even for pedelecs 45 with 500 W and a possible speed of 45 km/h there is still no legislative demand for the use of a protecting helmet. 96 % of all injured cyclists in Germany had more than 0.5 ‰ alcohol in their blood, 86 % more than 1.1 ‰ and 59 % more than 1.7 ‰. Fatalities are seen in 24.2 % of cases without any collision partner. Therefore the ADFC calls for a limit of 1.1 ‰. Some virtual studies conclude that integrated sensors in bicycle helmets which would interact with sensors in cars could prevent collisions or reduce the severity of injury by stopping the cars automatically. Integrated sensors in cars with opening angles of 180° enable about 93 % of all bicyclists to be detected leading to a high rate of injury avoidance and/or mitigation. Hanging lamps reduce with 35 % significantly bicycle accidents for children, traffic education for children and special trainings for elderly bicyclists are also recommended as prevention tools. As long as helmet use for bicyclists in Germany rates only 9 % on average and legislative orders for using a helmet will not be in force in the near future, coming up campaigns seem to be necessary to be promoted by the Deutscher

  4. Psychological Factors related to traffic accidents

    Directory of Open Access Journals (Sweden)

    Serafín Aldea Muñoz

    2002-07-01

    Full Text Available Automobile drivers fine themselves affected by series psychological factors which are directly related to traffic accidents. In this study we intend to investigate these variables, basing our work on the most convenient sources of information, coming from the police, the General Direction of Traffic, the courts, insurance companies, the Red Cross, Social Security, and forensics.Neither could we ignore the influence which certain forces hold over people´s mental health; this can sometimes intensely affect how they drive. In fact, in the most diverse situations we can observe the way in which a person carries out a task can be conditioned by the presence of other person who may have no direct relationship to him. Society has established its limitations and rules, but speed itself feels omnipotence when imposing controls over the most profound behavior in others; man in usually not conscious of these controls. People generally drive their automobiles in a way similar to their habitual behavior and their personality traits. Nevertheless, it is also important to consider the adaptation of their way of driving to their state of mind at any given moment. The majority of subjects tend to adapt their driving to their emotional state.

  5. Insurance of the Nuclear Risk in France

    International Nuclear Information System (INIS)

    This March, Japan commemorated the first anniversary of the Fukushima tragedy, when an unhappy combination of natural disasters led to a nuclear accident. The material and human damage was enormous and it will be decades before memories fade and the Japanese can try to forget this tragedy, which attests to the great vulnerability of - even the most advanced - economies to natural and technological risks. In the wake of the accident, there has been much debate on the pertinence of the use of nuclear fission in energy production, particularly in France. Without going over these debates once again, it is nonetheless legitimate to ask not just how well equipped we are to prevent nuclear risks, but also how the consequences of a potential nuclear disaster would be dealt with in this country. It is this question that Guy Brassard latches on to. After reminding us of the limits of the responsibility of EDF (Electricite de France) and the state in France regarding the indemnification of the damage that would ensue from such a disaster, Brassard stresses the inadequacy of the guarantees in force and calls for the creation of a reserve fund for exceptional events. He stresses the need to mitigate the nuclear risk through a clear assessment of power stations on the basis of uniform security parameters, a publicly avail able economic analysis of the electricity mix, and the establishment of measures of efficiency and prudence in the use of France's nuclear resources. He ends by proposing a model, based on a large number of international studies, for calculating the costs of a scheme for insuring against exceptional risks. From these it emerges that a very moderate increase in the price of electricity would make it possible to set aside 100 billion euros over 18 years to meet a risk that would arise only once every century. A relatively negligible investment for the future by comparison with the cost to the public finances of such a disaster occurring. (author)

  6. Three Mile Island Accident Data

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Three Mile Island Accident Data consists of mostly upper air and wind observations immediately following the nuclear meltdown occurring on March 28, 1979, near...

  7. 75 FR 66806 - Nationwide Life Insurance Company, et al.,

    Science.gov (United States)

    2010-10-29

    ... COMMISSION Nationwide Life Insurance Company, et al., Notice of Application October 25, 2010. AGENCY...: Nationwide Life Insurance Company (``NWL''), Nationwide Life and Annuity Insurance Company (``NLAIC... contracts and/or variable life insurance policies issued by the Insurance Companies (collectively,...

  8. Optimal social insurance with linear income taxation

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Sørensen, Peter Birch

    2009-01-01

    We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard in disab...... in disability insurance is absent. Imperfect insurance is optimal because it encourages workers to insure themselves against disability by working and saving more, thereby alleviating the distortionary impact of the redistributive income tax on labor supply and savings.......We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard...

  9. 29 CFR 1960.29 - Accident investigation.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Accident investigation. 1960.29 Section 1960.29 Labor... MATTERS Inspection and Abatement § 1960.29 Accident investigation. (a) While all accidents should be investigated, including accidents involving property damage only, the extent of such investigation shall...

  10. 49 CFR 195.54 - Accident reports.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 3 2010-10-01 2010-10-01 false Accident reports. 195.54 Section 195.54... PIPELINE Annual, Accident, and Safety-Related Condition Reporting § 195.54 Accident reports. (a) Each operator that experiences an accident that is required to be reported under § 195.50 shall as soon...

  11. 49 CFR 801.32 - Accident reports.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 7 2010-10-01 2010-10-01 false Accident reports. 801.32 Section 801.32... PUBLIC AVAILABILITY OF INFORMATION Accident Investigation Records § 801.32 Accident reports. (a) The NTSB....S. civil transportation accidents, in accordance with 49 U.S.C. 1131(e). (b) These reports may...

  12. The measurement of accident-proneness

    NARCIS (Netherlands)

    As, Sicco van

    2001-01-01

    This paper deals with the measurement of accident-proneness. Accidents seem easy to observe, however accident-proneness is difficult to measure. In this paper I first define the concept of accident-proneness, and I develop an instrument to measure it. The research is mainly executed within chemical

  13. 49 CFR 230.22 - Accident reports.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Accident reports. 230.22 Section 230.22... Requirements § 230.22 Accident reports. In the case of an accident due to failure, from any cause, of a steam... persons, the railroad on whose line the accident occurred shall immediately make a telephone report of...

  14. 49 CFR 845.40 - Accident report.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 7 2010-10-01 2010-10-01 false Accident report. 845.40 Section 845.40... RULES OF PRACTICE IN TRANSPORTATION; ACCIDENT/INCIDENT HEARINGS AND REPORTS Board Reports § 845.40 Accident report. (a) The Board will issue a detailed narrative accident report in connection with...

  15. Comparison of travel insurance offered by selected insurance companies in the Czech Republic

    OpenAIRE

    Seimlová, Nikola

    2013-01-01

    The bachelor thesis is a comparison of offers of travel insurance offered by insurance companies on the Czech market. In the analysis were selected two insurance companies, and insurance company Allianz and Generali. The first chapter focuses on general characteristics of basic terms in the insurance industry and the characteristics of individual services of travel insurance. In the second part of the thesis is an analysis of services of travel insurance and a performance of selected insuranc...

  16. INTRODUCTION OF INSURANCE REPOSITORY AS AN ALTERNATIVE OF INTERNET INSURANCE IN CLASSICAL MEANING: LEGISLATION ASPECTS

    Directory of Open Access Journals (Sweden)

    M. Malik

    2016-04-01

    Full Text Available This paper examines the legislation and regulation of insurance repositories. The basic conditions and requirements of creating and functioning of the new insurance market institute were studied. The basic requirements for managing personal of insurance repository were noticed. The study reveals the interaction mechanism of insurers and insured at the book-entry insurance policies turnover market via creation of the new institute, which is set to issue and control electronic insurance coverage.

  17. Nuclear fuel cycle facility accident analysis handbook

    International Nuclear Information System (INIS)

    The Accident Analysis Handbook (AAH) covers four generic facilities: fuel manufacturing, fuel reprocessing, waste storage/solidification, and spent fuel storage; and six accident types: fire, explosion, tornado, criticality, spill, and equipment failure. These are the accident types considered to make major contributions to the radiological risk from accidents in nuclear fuel cycle facility operations. The AAH will enable the user to calculate source term releases from accident scenarios manually or by computer. A major feature of the AAH is development of accident sample problems to provide input to source term analysis methods and transport computer codes. Sample problems and illustrative examples for different accident types are included in the AAH

  18. Nuclear fuel cycle facility accident analysis handbook

    Energy Technology Data Exchange (ETDEWEB)

    Ayer, J E; Clark, A T; Loysen, P; Ballinger, M Y; Mishima, J; Owczarski, P C; Gregory, W S; Nichols, B D

    1988-05-01

    The Accident Analysis Handbook (AAH) covers four generic facilities: fuel manufacturing, fuel reprocessing, waste storage/solidification, and spent fuel storage; and six accident types: fire, explosion, tornado, criticality, spill, and equipment failure. These are the accident types considered to make major contributions to the radiological risk from accidents in nuclear fuel cycle facility operations. The AAH will enable the user to calculate source term releases from accident scenarios manually or by computer. A major feature of the AAH is development of accident sample problems to provide input to source term analysis methods and transport computer codes. Sample problems and illustrative examples for different accident types are included in the AAH.

  19. Studies on Teachers Work Injury Insurance Rights%教师工伤保险权利研究

    Institute of Scientific and Technical Information of China (English)

    程琥

    2014-01-01

    With the reform in China's education system and school's personnel management mechanism , teachers' work accident insurance rights are much clearer and have been eventually enlisted into the�Work Injury Insurance Regulations" . The big differences between teachers'work accident insurance rights and teachers'work injury treatment lie in legal relations basis , legal ground , application scope , treatment , and dispute resolution . The establishment of teachers'work accident insurance rights is based on the nature of labor relations between schools and teachers . It is imperative to strengthen studies on judicial relief for teachers' work accident insurance rights so that we can timely settle the problems in practicing teachers'work injury insurance .%教师工伤保险权利伴随我国教育体制以及学校人事管理制度改革逐步明晰并最终被纳入《工伤保险条例》适用范围内。教师工伤保险权利不同于教师公伤待遇,在法律关系基础、法律依据、适用范围、待遇以及纠纷解决方式上均存在较大差异。教师工伤保险权利的确立以教师与学校之间的劳动关系性质为前提。当务之急是加强对教师工伤保险权利的司法救济研究,从而及时解决教师工伤保险实践中的难题。

  20. CARNSORE: Hypothetical reactor accident study

    International Nuclear Information System (INIS)

    Two types of design-basis accident and a series of hypothetical core-melt accidents to a 600 MWe reactor are described and their consequences assessed. The PLUCON 2 model was used to calculate the consequences which are presented in terms of individual and collective doses, as well as early and late health consequences. The site proposed for the nucelar power station is Carnsore Point, County Wexford, south-east Ireland. The release fractions for the accidents described are those given in WASH-1400. The analyses are based on the resident population as given in the 1979 census and on 20 years of data from the meteorological stations at Rosslare Harbour, 8.5 km north of the site. The consequences of one of the hypothetical core-melt accidents are described in detail in a meteorological parametric study. Likewise the consequences of the worst conceivable combination of situations are described. Finally, the release fraction in one accident is varied and the consequences of a proposed, more probable ''Class 9 accident'' are presented. (author)

  1. Radiological accidents: education for prevention and confrontation

    International Nuclear Information System (INIS)

    The purpose of this work is to train and inform on radiological accidents as a preventive measure to improve the people life quality. Radiological accidents are part of the events of technological origin which are composed of nuclear and radiological accidents. As a notable figure is determined that there have been 423 radiological accidents from 1944 to 2005 and among the causes prevail industrial accidents, by irradiations, medical accidents and of laboratories, among others. Latin American countries such as Argentina, Brazil, Mexico and Peru are some where most accidents have occurred by radioactivity. The radiological accidents can have sociological, environmental, economic, social and political consequences. In addition, there are scenarios of potential nuclear accidents and in them the potential human consequences. Also, the importance of the organization and planning in a nuclear emergency is highlighted. Finally, the experience that Cuba has lived on the subject of radiological accidents is described

  2. Life insurance after malignant disease.

    Science.gov (United States)

    Fitzgerald, R H

    1981-11-01

    Forty-five life insurance companies responded to a questionnaire on insurance industry attitudes towards patients with a history of malignancy other than skin carcinoma. Although the criteria for acceptance, provisions of the policy, and philosophy about adjuvant treatment varied, all companies would underwrite such patients provided that at application there was no evidence of persistent or recurrent disease or severe complications of therapy. The concept of excess mortality (observed death rates versus standard expected death rates) is used with other factors in calculating premiums. Legal and ethical responsibilities of physicians associated with insurance applications are briefly discussed.

  3. Environmental pollution risk and insurance

    OpenAIRE

    Fragnelli, Vito; Marina, Maria Erminia

    2002-01-01

    We consider environmental risks that are evaluated too much heavy for a single insurance company, but they can be insured by n companies which a premium is assigned to.This is precisely the Italian scenario where a pool of companies co-insures these risks.Under a game theoretic approach we start by analyzing how they should split the risk and the premium in order to be better off. Under suitable hypotheses, there exists an optimal decomposition of the risk, that allow us to define a cooperati...

  4. [Accidents of fulguration].

    Science.gov (United States)

    Virenque, C; Laguerre, J

    1976-01-01

    Fulguration, first electric accident in which the man was a victim, is to day better known. A clap of thunder is decomposed in two elements: lightning, and thunder. Lightning is caused by an electrical discharge, either within a cloud, or between two clouds, or, above all, between a cloud and the surface of the ground. Experimental equipments owned by the French Electricity Company and by the Atomic Energy Commission, have allowed to photograph lightnings and to measure certain physical characteristics (Intensity variable between 25 to 100 kA, voltage variable between 20 to 1 000 kV). The frequency of storms was learned: the isokeraunic level, in France, is about 20, meaning that thunder is heard twenty days during one year. Man may be stricken by thunder by direct hit, by sudden bursting, by earth current, or through various conductors. The electric charge which reached him may go to the earth directly by contact with the ground or may dissipate in the air through a bony promontory (elbow). The total number of victims, "wounded" or deceased, is not now known by statistics. Death comes by insulation breakdown of one of several anatomic cephalic formations: skull, meninx, brain. Many various lesions may happen in survivors: loss of consciousness, more or less long, sensorial or motion deficiencies. All these signs are momentary and generally reversible. Besides one may observe much more intense lesions on the skin: burns and, over all, characteristic aborescence (skin effect by high frequency current). The heart is protected, contrarily to what happens with industrial electrocution. The curative treatment is merely symptomatic : reanimation, surgery for burns or associated traumatic lesions. A prevention is researched to help the lonely man, in the country or in the mountains in the houses (lightning conductor, Faraday cage), in vehicles (aircraft, cars, ships). The mysterious and unforseeable character of lightning still stays, leaving a door opened for numerous

  5. Accident Tolerant Fuel Analysis

    Energy Technology Data Exchange (ETDEWEB)

    Curtis Smith; Heather Chichester; Jesse Johns; Melissa Teague; Michael Tonks; Robert Youngblood

    2014-09-01

    Safety is central to the design, licensing, operation, and economics of Nuclear Power Plants (NPPs). Consequently, the ability to better characterize and quantify safety margin holds the key to improved decision making about light water reactor design, operation, and plant life extension. A systematic approach to characterization of safety margins and the subsequent margins management options represents a vital input to the licensee and regulatory analysis and decision making that will be involved. The purpose of the Risk Informed Safety Margin Characterization (RISMC) Pathway research and development (R&D) is to support plant decisions for risk-informed margins management by improving economics and reliability, and sustaining safety, of current NPPs. Goals of the RISMC Pathway are twofold: (1) Develop and demonstrate a risk-assessment method coupled to safety margin quantification that can be used by NPP decision makers as part of their margin recovery strategies. (2) Create an advanced “RISMC toolkit” that enables more accurate representation of NPP safety margin. In order to carry out the R&D needed for the Pathway, the Idaho National Laboratory is performing a series of case studies that will explore methods- and tools-development issues, in addition to being of current interest in their own right. One such study is a comparative analysis of safety margins of plants using different fuel cladding types: specifically, a comparison between current-technology Zircaloy cladding and a notional “accident-tolerant” (e.g., SiC-based) cladding. The present report begins the process of applying capabilities that are still under development to the problem of assessing new fuel designs. The approach and lessons learned from this case study will be included in future Technical Basis Guides produced by the RISMC Pathway. These guides will be the mechanism for developing the specifications for RISMC tools and for defining how plant decision makers should propose and

  6. Accident tolerant fuel analysis

    Energy Technology Data Exchange (ETDEWEB)

    Smith, Curtis [Idaho National Laboratory; Chichester, Heather [Idaho National Laboratory; Johns, Jesse [Texas A& M University; Teague, Melissa [Idaho National Laboratory; Tonks, Michael Idaho National Laboratory; Youngblood, Robert [Idaho National Laboratory

    2014-09-01

    Safety is central to the design, licensing, operation, and economics of Nuclear Power Plants (NPPs). Consequently, the ability to better characterize and quantify safety margin holds the key to improved decision making about light water reactor design, operation, and plant life extension. A systematic approach to characterization of safety margins and the subsequent margins management options represents a vital input to the licensee and regulatory analysis and decision making that will be involved. The purpose of the Risk Informed Safety Margin Characterization (RISMC) Pathway research and development (R&D) is to support plant decisions for risk-informed margins management by improving economics and reliability, and sustaining safety, of current NPPs. Goals of the RISMC Pathway are twofold: (1) Develop and demonstrate a risk-assessment method coupled to safety margin quantification that can be used by NPP decision makers as part of their margin recovery strategies. (2) Create an advanced ''RISMC toolkit'' that enables more accurate representation of NPP safety margin. In order to carry out the R&D needed for the Pathway, the Idaho National Laboratory is performing a series of case studies that will explore methods- and tools-development issues, in addition to being of current interest in their own right. One such study is a comparative analysis of safety margins of plants using different fuel cladding types: specifically, a comparison between current-technology Zircaloy cladding and a notional ''accident-tolerant'' (e.g., SiC-based) cladding. The present report begins the process of applying capabilities that are still under development to the problem of assessing new fuel designs. The approach and lessons learned from this case study will be included in future Technical Basis Guides produced by the RISMC Pathway. These guides will be the mechanism for developing the specifications for RISMC tools and for defining how plant

  7. The international nuclear liability and compensation regime put to the test of a nuclear accident

    International Nuclear Information System (INIS)

    Full text: It appears that nuclear emergency plans place generally more emphasis on the nuclear safety and radiation protection aspects of the management of an accident, both inside the installation concerned and off-site, than on the particular requirements of local residents who would find themselves suddenly in such an emergency situation and of possible victims of nuclear damage. In a similar vein, studies focusing on the international nuclear third party liability regime usually take a global perspective and leave little room for the treatment of individual cases. The albeit welcome dearth of practical experience in Western countries in providing compensation for accidents of nuclear origin has, however, meant that public and local authorities are not always fully conscious of the importance of this question which should be dealt with in as practical a manner as possible. In order to cover all the legal and practical questions that could arise during the management of the consequences of a nuclear accident with regard to third party liability, insurance and compensation, the OECD/NEA held in co-operation with French authorities a workshop in November 2001. It was decided to organize this workshop according to three main stages: the alert phase, the accident phase and the post-accident phase; and to examine during these three stages the various roles played by local and national authorities, the nuclear operator and his insurer, as well as the nature and form of their respective actions. These questions were addressed both from the angle of applicable domestic legislation and of the relevant international conventions. From the analysis of different national experiences and of the information exchanged during the workshop, a striking diversity may be noted of solutions adopted or envisaged to address various aspects of civil liability, insurance and indemnification of damage in a nuclear emergency situation. This lack of uniformity should not necessarily be

  8. Nuclear Liability and Insurance Cover for Risk of Nuclear Power Plants - Situation for Nuclear Installations in Germany

    International Nuclear Information System (INIS)

    A dispute about nuclear liability and insurance cover for risks of nuclear power plants from an insurer's point of view has to determine and to judge the essential risk relevant factors. These are beside plant and site specific factors considerations of insurance restrictions in the extent of cover compared with the legal scope of liability for (re-)insurability's sake. Among such consideration are: financial limitation and obligation for its reinstatement, exclusions for gradual emissions of approved activities, armed conflicts, hostilities, civil war, insurrections or grave natural disaster and restrictions in the limitation and preclusion periods. In comparison with conventional liability risks there are some specialties to be considered some of which prove to be a risk relief other as a risk burden for insurance: Salvage expenses or interests and court costs to be paid by unsuccessful party in a lost litigation do not fall under legal liability and hence are excluded from the financial security cover so that are compensation is subject to agreed separate limits. A serious burden for the insurers can result out of the loss regulation costs in case of a severe nuclear accident. These expenses, which can exceed hundred million DM by far, are to be carried by the insurers in the frame of their obligation to investigate raised claims. Therefore the insurers should aim a fixed limitation in order to restrict their limit. (author)

  9. Willingness to Pay for Insurance in Denmark

    DEFF Research Database (Denmark)

    Hansen, Jan V.; Højbjerg Jacobsen, Rasmus; Lau, Morten I.

    We estimate the maximum amount that Danish households are willing to pay for three different types of insurance: auto, home and house insurance. We use a unique combination of claims data from the largest private insurance company in Denmark, measures of individual risk attitudes and discount rates...... of the insurance claims....

  10. 78 FR 14034 - Health Insurance Providers Fee

    Science.gov (United States)

    2013-03-04

    ... applicable to student health insurance, see Student Health Insurance Coverage, 77 FR 16453, 16455-56 (March... definition of covered entity is also Sec. 2520.101-2(c)(2)(ii)(B) (RIN 1210-AB51). See 76 FR 76222. If and... health insurance coverage under the Public Health Service Act and ACA). 3. Travel Insurance The...

  11. 38 CFR 36.4329 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4329... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4329 Hazard insurance. The holder shall require insurance policies to be procured and maintained in an amount sufficient...

  12. 46 CFR 308.502 - Additional insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  13. 24 CFR 206.15 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance. 206.15 Section 206.15... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement § 206.15 Insurance. Mortgages originated under...

  14. 12 CFR 741.212 - Share insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Share insurance. 741.212 Section 741.212 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.212 Share insurance. (a)...

  15. 12 CFR 741.216 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Flood insurance. 741.216 Section 741.216 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  16. 24 CFR 201.31 - Insurance charge.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance charge. 201.31 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Insurance of Loans § 201.31 Insurance charge....

  17. 7 CFR 1788.3 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2010-01-01 2010-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS...

  18. 7 CFR 4279.143 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... insurance is required in accordance with 7 CFR, part 1806, subpart B (FmHA Instruction 426.2, available in... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 4279.143 Section 4279.143 Agriculture... Insurance. (a) Hazard. Hazard insurance with a standard mortgage clause naming the lender as...

  19. 46 CFR 326.3 - Insured.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insured. 326.3 Section 326.3 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.3 Insured. The insureds are: The United States of...

  20. WORLD INSURANCE MARKET DEVELOPMENT UNDER DIGITALIZATION

    Directory of Open Access Journals (Sweden)

    T. Motashko

    2016-06-01

    Full Text Available The role of digitalization in the insurance market is investigated, the advantages of digital technology to the insurance market are considered. The main trends of world insurance market under digitalization are analyzed. Key landmarks of insurance companies in modern conditions are distinguished.

  1. INSURANCE PROTECTION AS A QUASISOCIETY GOOD

    OpenAIRE

    Bazilevich, K.

    2008-01-01

    The article deals with an interrelation between voluntary insurance that takes aim at personal gains and compulsory insurance that aspires social advantage in their unity and contradictory correlation. Importance of each of the insurance kinds is shown as to the broadest insurance coverage of the population of a country.

  2. Insurance and Prevention: Why and How?

    Science.gov (United States)

    Ungarelli, Donald L.

    1984-01-01

    Stressing importance of insurance coverage for the buildings and contents of libraries, this article covers insurance history, the modern insurance industry, examples of loss experiences, prevention and preparedness, risk management, appraisals and valuations of property, insurance options, and lack of recognition of protective and preventive…

  3. 24 CFR 241.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium....

  4. 24 CFR 220.804 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 220.804 Section... and Obligations-Projects Insured Project Improvement Loans § 220.804 Insurance premiums. (a) First premium. The lender, upon the initial endorsement of the loan for insurance, shall pay to the...

  5. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Insurance premium. 682.505 Section 682.505 Education... § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is charged on a...

  6. INSURANCE MARKET. GENERAL CONSIDERATIONS OF INSURANCES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    MARINEL NEDELUŢ

    2013-10-01

    Full Text Available Insurance is a contract made by a company or society, or by the state, to provide a guarantee for loss, damage, illness, death etc in return for regular payments. In other words it is a means by which one pays a relatively small known cost for protection against an uncertain and much larger cost. Still, this contract (insurance policy makes it possible for the insured to cover only losses that are measurable in terms of money and caused strictly by hazardous events, independent from own doing. If no such events should happen, the benefits won’t exist in a tangible, material form, but will take the shape of security against ruin. Since the insurance industry has developed more during the last decade due to the powerful players that have entered the market, the services provided by the insurance companies, and not only their products have evolved a lot in order to meet the requirements of the consumers, and to make them familiar with this type of investments. Therefore all the means of advertising became essential in this process of implementation and familiarization with this area of activity: mass-media advertising, insurance brokerage companies, the internet are all parts of this process.

  7. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-741.25 Section 60-741.25 Public Contracts and Property Management... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical...

  8. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Science.gov (United States)

    2013-09-23

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life... Insurance (SGLI), Family SGLI, SGLI Traumatic Injury Protection, and Veterans' Group Life Insurance (all...-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information...

  9. 76 FR 77455 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Science.gov (United States)

    2011-12-13

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AN40 Servicemembers' Group Life Insurance and Veterans' Group Life...' Group Life Insurance (``SGLI'') and Veterans' Group Life Insurance (``VGLI'') to prohibit payment of insurance proceeds payable because of the death of a person whose life was insured under SGLI or...

  10. 76 FR 77442 - Mutual Insurance Holding Company Treated as Insurance Company

    Science.gov (United States)

    2011-12-13

    ... premiums. The mutual insurance holding company structure was first created in Iowa in 1995.\\7\\ A mutual...-entity structure, initially the mutual insurance holding company owns 100% of the intermediate insurance... CORPORATION 12 CFR Part 380 RIN 3064-AD89 Mutual Insurance Holding Company Treated as Insurance Company...

  11. Role of nuclear insurance in US

    International Nuclear Information System (INIS)

    Private insurance companies developed means to provide first-tier nuclear coverage to operators of power plants and other nuclear facilities; US Government initially provided second tier. US insurance companies chose 'pooling' technique as means to provide large amounts of insurance capacity by spreading the risk over a number of insurance companies. Classic example of nuclear risk that presents low frequency, high severity loss potential. Insurers usually spread their risk over a large, fairly stable premium base, as with automobile insurance. The American Nuclear Insurers (ANI) and its roles are introduced in this article

  12. FEMA Flood Insurance Studies Inventory

    Data.gov (United States)

    Kansas Data Access and Support Center — This digital data set provides an inventory of Federal Emergency Management Agency (FEMA) Flood Insurance Studies (FIS) that have been conducted for communities and...

  13. Narrative text analysis of accident reports with tractors, self-propelled harvesting machinery and materials handling machinery in Austrian agriculture from 2008 to 2010 - a comparison.

    Science.gov (United States)

    Mayrhofer, Hannes; Quendler, Elisabeth; Boxberger, Josef

    2014-01-01

    The aim of this study was the identification of accident scenarios and causes by analysing existing accident reports of recognized agricultural occupational accidents with tractors, self-propelled harvesting machinery and materials handling machinery from 2008 to 2010. As a result of a literature-based evaluation of past accident analyses, the narrative text analysis was chosen as an appropriate method. A narrative analysis of the text fields of accident reports that farmers used to report accidents to insurers was conducted to obtain detailed information about the scenarios and causes of accidents. This narrative analysis of reports was made the first time and yielded first insights for identifying antecedents of accidents and potential opportunities for technical based intervention. A literature and internet search was done to discuss and confirm the findings. The narrative text analysis showed that in more than one third of the accidents with tractors and materials handling machinery the vehicle rolled or tipped over. The most relevant accident scenarios with harvesting machinery were being trapped and falling down. The direct comparison of the analysed machinery categories showed that more than 10% of the accidents in each category were caused by technical faults, slippery or muddy terrain and incorrect or inappropriate operation of the vehicle. Accidents with tractors, harvesting machinery and materials handling machinery showed similarities in terms of causes, circumstances and consequences. Certain technical and communicative measures for accident prevention could be used for all three machinery categories. Nevertheless, some individual solutions for accident prevention, which suit each specific machine type, would be necessary.

  14. Personal Values of Insurance Executives

    OpenAIRE

    Joe H. Murrey Jr.; Sami M. Abbasi; Kenneth W. Hollman

    1986-01-01

    Personal values are a basic component of our personality. When such values are held uncritically by those in powerful positions, but are not explicit and not articulated, they may contain the seeds of severe organizational and social disruption. In insurance, one need look no further than the Equity Funding fraud to find what can happen when values of insurance executives are misguided and they undertake irresponsible and unethical actions that undermine the public's confidence and trust in t...

  15. Wealth Effects on Demand for Insurance

    OpenAIRE

    Aase, Knut K.

    2007-01-01

    A standard result states that under decreasing absolute risk aversion the indifference premium of the insured is a decreasing function of wealth. This has been interpreted to mean that insurance is an inferior good, which has been considered as a puzzle in insurance theory, in particular since the result does not seem to explain observed behavior in insurance markets. We reformulate the standard model of risk sharing to incorporate the amount invested in the insurable asset. From this we ...

  16. SERBIAN INSURANCE MARKET – SELECT ISSUES

    OpenAIRE

    Obadović Mirjana M.; Avdaliović Veselin; Obadović Milica D.

    2010-01-01

    Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insur...

  17. Business Ethics in Insurance Industry in Nigeria

    OpenAIRE

    Isimoya O.

    2014-01-01

    This study conceptually x-rayed the insurance practice in Nigeria, particularly the non-adherence to business ethics philosophy in their operations. Though Nigeria potentially has the largest insurance market in the African continent, she trails behind South Africa, Egypt, and Morocco in insurance market premium volume in 2011. This study revealed that unethical practices holds sway in the industry, resulting in lost of confidence, poor insurance patronage and stunted growth for insurance ind...

  18. Social insurance for health service.

    Science.gov (United States)

    Roemer, M I

    1997-06-01

    Implementation of social insurance for financing health services has yielded different patterns depending on a country's economic level and its government's political ideology. By the late 19th century, thousands of small sickness funds operated in Europe, and in 1883 Germany's Chancellor Bismarck led the enactment of a law mandating enrollment by low-income workers. Other countries followed, with France completing Western European coverage in 1928. The Russian Revolution in 1917 led to a National Health Service covering everyone from general revenues by 1937. New Zealand legislated universal population coverage in 1939. After World War II, Scandinavian countries extended coverage to everyone and Britain introduced its National Health Service covering everyone with comprehensive care and financed by general revenues in 1948. Outside of Europe Japan adopted health insurance in 1922, covering everyone in 1946. Chile was the first developing country to enact statutory health insurance in 1924 for industrial workers, with extension to all low-income people with its "Servicio Nacional de Salud" in 1952. India covered 3.5 percent of its large population with the Employees' State Insurance Corporation in 1948, and China after its 1949 revolution developed four types of health insurance for designated groups of workers and dependents. Sub-Saharan African countries took limited health insurance actions in the late 1960s and 1970s. By 1980, some 85 countries had enacted social security programs to finance or deliver health services or both.

  19. Environmental pollution and liability insurance

    International Nuclear Information System (INIS)

    By the declared will of the legislative bodies to give effect to the polluter pays principle on all levels those have to pay the costs of removing impairments of environmental media that are responsible for its occurence. Thus environmental pollution becomes a considerable financial risk for the polluter. Against this risk they try to protect themselves by the corresponding precautionary measures, e.g. by insurance. The insurance industry is consequently requested to meet this new demand. The legal bases are followed by the description of the insurance relationship under the aspect of the theory of risks, which follows, based on the basic model of decision theory, the objective of a quantitative representation of the situation of the decision. In the last chapter the author deals with the financial security for the risks of a third party liability insurance of environmental pollution as it is offered today in the Federal Republic of Germany. The elaboration of the existing financial security is then compared with the legal conditions of liability. In doing this the author describes cases not covered by financial security and its definition by comparison with findings of risk theory. As a result it becomes obvious that numerous exclusions of risks could quite good be included in the financial security and that the argument of the impossibility to insure often put forward by the insurers to justify the exclusion of risks can neither theoretically nor practically be uphold. (orig./HSCH)

  20. Accident knowledge and emergency management

    Energy Technology Data Exchange (ETDEWEB)

    Rasmussen, B.; Groenberg, C.D.

    1997-03-01

    The report contains an overall frame for transformation of knowledge and experience from risk analysis to emergency education. An accident model has been developed to describe the emergency situation. A key concept of this model is uncontrolled flow of energy (UFOE), essential elements are the state, location and movement of the energy (and mass). A UFOE can be considered as the driving force of an accident, e.g., an explosion, a fire, a release of heavy gases. As long as the energy is confined, i.e. the location and movement of the energy are under control, the situation is safe, but loss of confinement will create a hazardous situation that may develop into an accident. A domain model has been developed for representing accident and emergency scenarios occurring in society. The domain model uses three main categories: status, context and objectives. A domain is a group of activities with allied goals and elements and ten specific domains have been investigated: process plant, storage, nuclear power plant, energy distribution, marine transport of goods, marine transport of people, aviation, transport by road, transport by rail and natural disasters. Totally 25 accident cases were consulted and information was extracted for filling into the schematic representations with two to four cases pr. specific domain. (au) 41 tabs., 8 ills.; 79 refs.

  1. Nuclear accident dosimetry intercomparison studies.

    Science.gov (United States)

    Sims, C S

    1989-09-01

    Twenty-two nuclear accident dosimetry intercomparison studies utilizing the fast-pulse Health Physics Research Reactor at the Oak Ridge National Laboratory have been conducted since 1965. These studies have provided a total of 62 different organizations a forum for discussion of criticality accident dosimetry, an opportunity to test their neutron and gamma-ray dosimetry systems under a variety of simulated criticality accident conditions, and the experience of comparing results with reference dose values as well as with the measured results obtained by others making measurements under identical conditions. Sixty-nine nuclear accidents (27 with unmoderated neutron energy spectra and 42 with eight different shielded spectra) have been simulated in the studies. Neutron doses were in the 0.2-8.5 Gy range and gamma doses in the 0.1-2.0 Gy range. A total of 2,289 dose measurements (1,311 neutron, 978 gamma) were made during the intercomparisons. The primary methods of neutron dosimetry were activation foils, thermoluminescent dosimeters, and blood sodium activation. The main methods of gamma dose measurement were thermoluminescent dosimeters, radiophotoluminescent glass, and film. About 68% of the neutron measurements met the accuracy guidelines (+/- 25%) and about 52% of the gamma measurements met the accuracy criterion (+/- 20%) for accident dosimetry. PMID:2777549

  2. Radioactive materials transport accident analysis

    Energy Technology Data Exchange (ETDEWEB)

    McSweeney, T.I.; Maheras, S.J.; Ross, S.B. [Battelle Memorial Inst. (United States)

    2004-07-01

    Over the last 25 years, one of the major issues raised regarding radioactive material transportation has been the risk of severe accidents. While numerous studies have shown that traffic fatalities dominate the risk, modeling the risk of severe accidents has remained one of the most difficult analysis problems. This paper will show how models that were developed for nuclear spent fuel transport accident analysis can be adopted to obtain estimates of release fractions for other types of radioactive material such as vitrified highlevel radioactive waste. The paper will also show how some experimental results from fire experiments involving low level waste packaging can be used in modeling transport accident analysis with this waste form. The results of the analysis enable an analyst to clearly show the differences in the release fractions as a function of accident severity. The paper will also show that by placing the data in a database such as ACCESS trademark, it is possible to obtain risk measures for transporting the waste forms along proposed routes from the generator site to potential final disposal sites.

  3. Accident knowledge and emergency management

    International Nuclear Information System (INIS)

    The report contains an overall frame for transformation of knowledge and experience from risk analysis to emergency education. An accident model has been developed to describe the emergency situation. A key concept of this model is uncontrolled flow of energy (UFOE), essential elements are the state, location and movement of the energy (and mass). A UFOE can be considered as the driving force of an accident, e.g., an explosion, a fire, a release of heavy gases. As long as the energy is confined, i.e. the location and movement of the energy are under control, the situation is safe, but loss of confinement will create a hazardous situation that may develop into an accident. A domain model has been developed for representing accident and emergency scenarios occurring in society. The domain model uses three main categories: status, context and objectives. A domain is a group of activities with allied goals and elements and ten specific domains have been investigated: process plant, storage, nuclear power plant, energy distribution, marine transport of goods, marine transport of people, aviation, transport by road, transport by rail and natural disasters. Totally 25 accident cases were consulted and information was extracted for filling into the schematic representations with two to four cases pr. specific domain. (au) 41 tabs., 8 ills.; 79 refs

  4. Risk-based Analysis of Construction Accidents in Iran During 2007-2011-Meta Analyze Study

    Science.gov (United States)

    AMIRI, Mehran; ARDESHIR, Abdollah; FAZEL ZARANDI, Mohammad Hossein

    2014-01-01

    Abstract Background The present study aimed to investigate the characteristics of occupational accidents and frequency and severity of work related accidents in the construction industry among Iranian insured workers during the years 20072011. Methods The Iranian Social Security Organization (ISSO) accident database containing 21,864 cases between the years 2007-2011 was applied in this study. In the next step, Total Accident Rate (TRA), Total Severity Index (TSI), and Risk Factor (RF) were defined. The core of this work is devoted to analyzing the data from different perspectives such as age of workers, occupation and construction phase, day of the week, time of the day, seasonal analysis, regional considerations, type of accident, and body parts affected. Results Workers between 15-19 years old (TAR=13.4%) are almost six times more exposed to risk of accident than the average of all ages (TAR=2.51%). Laborers and structural workers (TAR=66.6%) and those working at heights (TAR=47.2%) experience more accidents than other groups of workers. Moreover, older workers over 65 years old (TSI=1.97%> average TSI=1.60%), work supervisors (TSI=12.20% >average TSI=9.09%), and night shift workers (TSI=1.89% >average TSI=1.47%) are more prone to severe accidents. Conclusion It is recommended that laborers, young workers, weekend and night shift workers be supervised more carefully in the workplace. Use of Personal Protective Equipment (PPE) should be compulsory in working environments, and special attention should be undertaken to people working outdoors and at heights. It is also suggested that policymakers pay more attention to the improvement of safety conditions in deprived and cold western regions. PMID:26005662

  5. 12 CFR 362.3 - Activities of insured State banks.

    Science.gov (United States)

    2010-01-01

    ... insurance company, provided that the savings bank life insurance company provides written disclosures to purchasers or potential purchasers of life insurance policies, other insurance products, and annuities that... insurance coverage for insured depository institutions. (B) Stock of savings bank life insurance company.......

  6. Nuclear law and radiological accidents

    International Nuclear Information System (INIS)

    Nuclear activities in Brazil, and particularly the radiological accident of Goiania, are examined in the light of the environmental and nuclear laws of Brazil and the issue of responsibility. The absence of legislation covering radioactive wastes as well as the restrictions on Brazilian States to issue regulations covering nuclear activities are reviewed. The radiological accident and its consequences, including the protection and compensation of the victims, the responsibility of the shareholders of the Instituto Goiano de Radioterapia, operator of the radioactive source, the provisional storage and the final disposal at Abadia de Goias of the radioactive waste generated by the accident are reviewed. Finally, nuclear responsibility, the inapplicability of the Law 6453/77 which deals with nuclear damages, and the state liability regime are analysed in accordance with the principles of the Brazilian Federal Constitution. (author)

  7. Severe accident management guidelines tool

    International Nuclear Information System (INIS)

    Severe Accident is addressed by means of a great number of documents such as guidelines, calculation aids and diagnostic trees. The response methodology often requires the use of several documents at the same time while Technical Support Centre members need to assess the appropriate set of equipment within the adequate mitigation strategies. In order to facilitate the response, TECNATOM has developed SAMG TOOL, initially named GGAS TOOL, which is an easy to use computer program that clearly improves and accelerates the severe accident management. The software is designed with powerful features that allow the users to focus on the decision-making process. Consequently, SAMG TOOL significantly improves the severe accident training, ensuring a better response under a real situation. The software is already installed in several Spanish Nuclear Power Plants and trainees claim that the methodology can be followed easier with it, especially because guidelines, calculation aids, equipment information and strategies availability can be accessed immediately (authors)

  8. Severe accident simulation at Olkiuoto

    Energy Technology Data Exchange (ETDEWEB)

    Tirkkonen, H.; Saarenpaeae, T. [Teollisuuden Voima Oy (TVO), Olkiluoto (Finland); Cliff Po, L.C. [Micro-Simulation Technology, Montville, NJ (United States)

    1995-09-01

    A personal computer-based simulator was developed for the Olkiluoto nuclear plant in Finland for training in severe accident management. The generic software PCTRAN was expanded to model the plant-specific features of the ABB Atom designed BWR including its containment over-pressure protection and filtered vent systems. Scenarios including core heat-up, hydrogen generation, core melt and vessel penetration were developed in this work. Radiation leakage paths and dose rate distribution are presented graphically for operator use in diagnosis and mitigation of accidents. Operating on an graphically for operator use in diagnosis and mitigation of accidents. Operating on an 486 DX2-66, PCTRAN-TVO achieves a speed about 15 times faster than real-time. A convenient and user-friendly graphic interface allows full interactive control. In this paper a review of the component models and verification runs are presented.

  9. Internal Accident Report on EDH

    CERN Multimedia

    SC Department

    2006-01-01

    The A2 Safety Code requires that, the Internal Accident Report form must be filled in by the person concerned or any witness to ensure that all the relevant services are informed. Please note that an electronic version of this form has been elaborated in collaboration with SC-IE, HR-OPS-OP and IT-AIS. Whenever possible, the electronic form shall be used. The relative icon is available on the EDH Desktop, Other tasks page, under the Safety heading, or directly here: https://edh.cern.ch/Document/Accident/. If you have any questions, please contact the SC Secretariat, tel. 75097 Please notice that the Internal Accident Report is an integral part of the Safety Code A2 and does not replace the HS50.

  10. Fukushima accident study using MELCOR

    Institute of Scientific and Technical Information of China (English)

    Randall O Gauntt

    2013-01-01

    The accidents at the Fukushima Daiichi nuclear power station stunned the world as the sequences played out over severals days and videos of hydrogen explosions were televised as they took place.The accidents all resulted in severe damage to the reactor cores and releases of radioactivity to the environment despite heroic measures had taken by the operating personnel.The following paper provides some background into the development of these accidents and their root causes,chief among them,the prolonged station blackout conditions that isolated the reactors from their ultimate heat sink — the ocean.The interpretations given in this paper are summarized from a recently completed report funded by the United States Department of Energy (USDOE).

  11. Corporate Cost of Occupational Accidents

    DEFF Research Database (Denmark)

    Rikhardsson, Pall M.; Impgaard, M.

    2004-01-01

    for a company with 3.600 employees was estimated to approximately US$ 682.000. The paper includes an introduction regarding accident cost analysis in companies, a presentation of the SACA project methodology and the SACA method itself, a short overview of some of the results of the SACA project and a conclusion......The systematic accident cost analysis (SACA) project was carried out during 2001 by The Aarhus School of Business and PricewaterhouseCoopers Denmark with financial support from The Danish National Working Environment Authority. Its focused on developing and testing a method for evaluating...... occupational costs of companies for use by occupational health and safety professionals. The method was tested in nine Danish companies within three different industry sectors and the costs of 27 selected occupational accidents in these companies were calculated. One of the main conclusions is that the SACA...

  12. Road characteristics and bicycle accidents.

    Science.gov (United States)

    Nyberg, P; Björnstig, U; Bygren, L O

    1996-12-01

    In Umeå, Sweden, defects in the physical road surface contributed to nearly half of the single bicycle accidents. The total social cost of these injuries to people amount to at least SEK 20 million (SEK 60,000 or about USD 8,500 per accident), which corresponds to the estimated loss of "eight life equivalents a year". Improved winter maintenance seems to have the greatest injury prevention potential and would probably reduce the number of injuries considerably, whereas improved road quality and modification of kerbs would reduce the most severe injuries. A local traffic safety program should try to prevent road accidents instead of handling the consequences of them. In accordance with Parliament decisions on traffic we would like to see increased investment in measures favoring bicycle traffic, where cycling is seen as a solution, not as a problem.

  13. Hindsight Bias in Cause Analysis of Accident

    Institute of Scientific and Technical Information of China (English)

    Atsuo Murata; Yasunari Matsushita

    2014-01-01

    It is suggested that hindsight becomes an obstacle to the objective investigation of an accident, and that the proper countermeasures for the prevention of such an accident is impossible if we view the accident with hindsight. Therefore, it is important for organizational managers to prevent hindsight from occurring so that hindsight does not hinder objective and proper measures to be taken and this does not lead to a serious accident. In this study, a basic phenomenon potentially related to accidents, that is, hindsight was taken up, and an attempt was made to explore the phenomenon in order to get basically insights into the prevention of accidents caused by such a cognitive bias.

  14. The child accident repeater: a review.

    Science.gov (United States)

    Jones, J G

    1980-04-01

    The child accident repeater is defined as one who has at least three accidents that come to medical attention within a year. The accident situation has features in common with those of the child who has a single accident through simple "bad luck", but other factors predispose him to repeated injury. In the child who has a susceptible personality, a tendency for accident repetition may be due to a breakdown in adjustment to a stressful environment. Prevention of repeat accidents should involve the usual measures considered appropriate for all children as well as an attempt to provide treatment of significant maladjustment and modification of a stressful environment.

  15. JCO criticality accident termination operation

    International Nuclear Information System (INIS)

    In 2001, we summarized the circumstances surrounding termination of the JCO criticality accident based on testimony in the Mito District Court on December 17, 2001. JCO was the company for uranium fuels production in Japan. That document was assembled based on actual testimony in the belief that a description of the work involved in termination of the accident would be useful in some way for preventing nuclear disasters in the future. The description focuses on the witness' own behavior, and what he saw and heard, and thus is written from the perspective of action by one individual. This was done simply because it was easier for the witness to write down his memories as he remembers them. Description of the activities of other organizations and people is provided only as necessary, to ensure that consistency in the descriptive approach is not lost. The essentials of this report were rewritten as a third-person objective description in the summary of the report by the Atomic Energy Society of Japan (AESJ). Since then, comments have been received from sources such as former members of the Nuclear Safety Commission (Dr. Kenji Sumita and Dr. Akira Kanagawa), concerned parties from the former Science and Technology Agency, and reports from the JCO Criticality Accident Investigation Committee of the AESJ, and thus this report was rewritten to correct incorrect information, and add material where that was felt to be necessary. This year is the tenth year of the JCO criticality accident. To mark this occasion we have decided to translate the record of what occurred at the accident site into English so that more people can draw lessons from this accident. This report is an English version of JAEA-Technology 2009-073. (author)

  16. Road Traffic Accidents in Kazakhstan

    Directory of Open Access Journals (Sweden)

    Alma Aubakirova

    2013-03-01

    Full Text Available Background: The article provides the analysis of death rates in road traffic accidents in Kazakhstan from 2004 to 2010 and explores the use of sanitary aviation.Methods: Data of fatalities caused by road traffic accidents were collected and analysed. Descriptive and analytical methods of epidemiology and biomedical statistics were applied.Results: Totaly 27,003 people died as a result of road traffic accidents in this period. The death rate for the total population due to road traffic accidents was 25.0±2.10/0000. The death rate for men was (38.3±3.20/0000, which was higher (P<0.05 than that for women (12.6±1.10/0000. High death rates in the entire male population were identified among men of 30-39 years old, whereas the highest rates for women were attributed to the groups of 50-59 years old and 70-79 years old. In time dynamics, death rates tended to decrease: the total population (Тdec=−2.4%, men (Тdec=−2.3% and women (Тdec=−1.4%. When researching territorial relevance, the rates were established as low (to 18.30/0000, average (between18.3 and24.00/0000 and high (from 24.00/0000 and above. Thus, the regions with high rates included Akmola region (24.30/0000, Mangistau region (25.90/0000, Zhambyl region (27.30/0000, Almaty region (29.30/0000 and South Kazakhstan region (32.40/0000.Conclusion: The identified epidemiological characteristics of the population deaths rates from road traffic accidents should be used in integrated and targeted interventions to enhance prevention of injuries in accidents.

  17. Fatal motorcycle accidents and alcohol

    DEFF Research Database (Denmark)

    Larsen, C F; Hardt-Madsen, M

    1987-01-01

    A series of fatal motorcycle accidents from a 7-year period (1977-1983) has been analyzed. Of the fatalities 30 were operators of the motorcycle, 11 pillion passengers and 8 counterparts. Of 41 operators 37% were sober at the time of accident, 66% had measurable blood alcohol concentration (BAC......); 59% above 0.08%. In all cases where a pillion passenger was killed, the operator of the motorcycle had a BAC greater than 0.08%. Of the killed counterparts 2 were non-intoxicated, 2 had a BAC greater than 0.08%, and 4 were not tested. The results advocate that the law should restrict alcohol...

  18. BEHAVIORAL ASPECTS IN INSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    Stroe Andreea

    2013-07-01

    In this paper there are showed and debated some situation in which psychological effects like loss aversion, reference point, status-quo and framming effects can influence the deccision of the consumer and are not consistent with the standard economic model.In addition to this aspects, Cumulative Prspect Theory enhance the fact that decision makers overestimate low peobabilities and underestimate high probabilities,thus buying inadequate insurance in many situation.in thiss sense, in order to support this idea I tried to make a qualitative presentation of the model used on the insurance market using Prelec function which is the function related with the Cumulative Prospect Theory which can be used in the insurance context.The weak points of the theory of expected utility are explained through this new perspectives and nevertheless aspects like insensivity to bad news concerning incomes,elasticity of price,displacements of status-quo and default,disposition effect and equity premium are taken into consideration.As example,I chose a Kunreuther experiment about insurance decision in with is underlyined the fact that for moderate risk people buy insurance with premiums that exceed the expected loss.There are demands for low deductibles in the the markets for extended guarantees and insurances for mobile phones where was observed that the insurance underwriting rate increases with the probability of loss keeping the expected loss constant.It is better to mention that the theory and the model that are presented here comes as complementary to the economic standard theory not as a substitute.

  19. Drug coverage insurance as a novel element of private health insurance in Poland.

    Science.gov (United States)

    Czerw, Aleksandra; Religioni, Urszula

    2013-01-01

    In recent years, there have been observed increased costs of health care in Poland. The patient's out of pocket expenses on drug have grown too. To the above, the insurance companies have offered patients drug coverage insurance policies since recently. Drug insurance policy covers the cost of purchasing pharmaceutical products not reimbursed by the National Health Fund is a modern product on the Polish health insurance market. The aim of the article is to characterize drug coverage insurance policies on the health insurance market in Poland. The Polish insurance market and entities offered these types of insurance are also presented.

  20. Industrial accidents in nuclear power plants

    International Nuclear Information System (INIS)

    In 12 nuclear power plants in the Federal Republic of Germany with a total of 3678 employees, 25 notifiable company personnel accidents and 46 notifiable outside personnel accidents were reported for an 18-month period. (orig./HP)

  1. Road Accident Trends in Africa and Europe

    DEFF Research Database (Denmark)

    Jørgensen, N O

    1997-01-01

    The paper decribes trends and suggests prediction models for accident risks in African and European countries......The paper decribes trends and suggests prediction models for accident risks in African and European countries...

  2. 49 CFR 229.17 - Accident reports.

    Science.gov (United States)

    2010-10-01

    ... CFR part 225. ... 49 Transportation 4 2010-10-01 2010-10-01 false Accident reports. 229.17 Section 229.17..., DEPARTMENT OF TRANSPORTATION RAILROAD LOCOMOTIVE SAFETY STANDARDS General § 229.17 Accident reports. (a)...

  3. How to reduce the number of accidents

    CERN Multimedia

    2012-01-01

    Among the safety objectives that the Director-General has established for CERN in 2012 is a reduction in the number of workplace accidents.   The best way to prevent workplace accidents is to learn from experience. This is why any accident, fire, instance of pollution, or even a near-miss, should be reported using the EDH form that can be found here. All accident reports are followed up. The departments investigate all accidents that result in sick leave, as well as all the more common categories of accidents at CERN, essentially falls (slipping, falling on stairs, etc.), regardless of whether or not they lead to sick leave. By studying the accident causes that come to light in this way, it is possible to take preventive action to avoid such accidents in the future. If you have any questions, the HSE Unit will be happy to answer them. Contact us at safety-general@cern.ch. HSE Unit

  4. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2014-06-01

    Full Text Available n the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  5. Entrepreneurial Moral Hazard in Income Insurance

    DEFF Research Database (Denmark)

    Ejrnæs, Mette; Hochguertel, Stefan

    We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI...... transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the Danish population. We find that the insured are indeed more likely to transit into unemployment than the uninsured, once we properly instrument for the insurance choice....

  6. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2015-11-01

    Full Text Available In the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  7. Accident consequence assessment code development

    International Nuclear Information System (INIS)

    This paper describes the new computer code system, OSCAAR developed for off-site consequence assessment of a potential nuclear accident. OSCAAR consists of several modules which have modeling capabilities in atmospheric transport, foodchain transport, dosimetry, emergency response and radiological health effects. The major modules of the consequence assessment code are described, highlighting the validation and verification of the models. (author)

  8. New technology for accident prevention

    Energy Technology Data Exchange (ETDEWEB)

    Byne, P. [Shiftwork Solutions, Vancouver, BC (Canada)

    2006-07-01

    This power point presentation examined the effects of fatigue in the workplace and presented 3 technologies designed to prevent or monitor fatigue. The relationship between mental fatigue, circadian rhythms and cognitive performance was explored. Details of vigilance related degradations in the workplace were presented, as well as data on fatigue-related accidents and a time-line of meter-reading errors. It was noted that the direct cause of the Exxon Valdez disaster was sleep deprivation. Fatigue related accidents during the Gulf War were reviewed. The effects of fatigue on workplace performance include impaired logical reasoning and decision-making; impaired vigilance and attention; slowed mental operations; loss of situational awareness; slowed reaction time; and short cuts and lapses in optional or self-paced behaviours. New technologies to prevent fatigue-related accidents include (1) the driver fatigue monitor, an infra-red camera and computer that tracks a driver's slow eye-lid closures to prevent fatigue related accidents; (2) a fatigue avoidance scheduling tool (FAST) which collects actigraphs of sleep activity; and (3) SAFTE, a sleep, activity, fatigue and effectiveness model. refs., tabs., figs.

  9. Consequences of the Chernobyl accident

    International Nuclear Information System (INIS)

    A collection of three papers about the fallout in Austria from the 1986 Chernobyl reactor accident is given: 1. An overview of the research projects in Austria; 2. On the transfer into and uptake by crops and animal fodder; 3. On the reduction of cesium concentration in food. 18 tabs., 21 figs., 69 refs

  10. Trismus: An unusual presentation following road accident

    Directory of Open Access Journals (Sweden)

    Thakur Jagdeep

    2007-01-01

    Full Text Available Trismus due to trauma usually follows road accidents leading to massive faciomaxillary injury. In the literature there is no report of a foreign body causing trismus following a road accident, this rare case is an exception. We present a case of isolated presentation of trismus following a road accident. This case report stresses on the thorough evaluation of patients presenting with trismus following a road accident.

  11. Calculating nuclear accident probabilities from empirical frequencies

    OpenAIRE

    Ha-Duong, Minh; Journé, V.

    2014-01-01

    International audience Since there is no authoritative, comprehensive and public historical record of nuclear power plant accidents, we reconstructed a nuclear accident data set from peer-reviewed and other literature. We found that, in a sample of five random years, the worldwide historical frequency of a nuclear major accident, defined as an INES level 7 event, is 14 %. The probability of at least one nuclear accident rated at level ≥4 on the INES scale is 67 %. These numbers are subject...

  12. Economic consequences of major accidents in the industrial plants: The case of a nuclear power plant

    International Nuclear Information System (INIS)

    These last years, newspapers head-lines have reported various accidents (Mexico City, Bhopal, Chernobyl, ...) which have drawn attention to the fact that the major technological risk is now a reality and that, undoubtedly, industrial decision-makers ought to integrate it into their preoccupations. In addition to the sometimes considerable human problems such accidents engender, their economic consequences may be such that they become significant on a national or even international scale. The aim of the present paper is to analyse these economic effects by using the particular context of a nuclear power plant. The author has deliberately limited his subject to the consequences of a major accident, that is to say a sudden event, theoretically unforeseen and beyond man's control. The qualification major means an accident of which the consequences extend far beyond the industrial plant itself. The direct and indirect economic consequences are analysed from the responsibility point of view as well as from the national and international community's point of view. A paragraph explains how the coverage of the costs can rely on the cooperation of a number of parties: responsible company, state, insurers, customers, etc. The study is broadly based on the experience resulting from the two major accidents which happened in the nuclear industry these last years (Three Mile Island in 1979 and Chernobyl in 1986) and makes use of more theoretical considerations, for example in the field of the economic evaluation of human life. (author). 58 refs, 2 figs, 12 tabs

  13. Detection and analysis of accident black spots with even small accident figures.

    NARCIS (Netherlands)

    Oppe, S.

    1982-01-01

    Accident black spots are usually defined as road locations with high accident potentials. In order to detect such hazardous locations we have to know the probability of an accident for a traffic situation of some kind, or the mean number of accidents for some unit of time. In almost all procedures

  14. 48 CFR 836.513 - Accident prevention.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Accident prevention. 836... prevention. The contracting officer must insert the clause at 852.236-87, Accident Prevention, in solicitations and contracts for construction that contain the clause at FAR 52.236-13, Accident Prevention....

  15. 48 CFR 1836.513 - Accident prevention.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Accident prevention. 1836... 1836.513 Accident prevention. The contracting officer must insert the clause at 1852.223-70, Safety and Health, in lieu of FAR clause 52.236-13, Accident Prevention, and its Alternate I....

  16. 48 CFR 636.513 - Accident prevention.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Accident prevention. 636... CONTRACTING CONSTRUCTION AND ARCHITECT-ENGINEER CONTRACTS Contract Clauses 636.513 Accident prevention. (a) In... contracting activities shall insert DOSAR 652.236-70, Accident Prevention, in lieu of FAR clause...

  17. Unemployment duration and unemployment insurance

    DEFF Research Database (Denmark)

    Røed, Knut; Jensen, Peter; Thoursie, Anna

    2008-01-01

    Based on pooled register data from Norway and Sweden, we find that differences in unemployment duration patterns reflect dissimilarities in unemployment insurance (UI) systems in a way that convincingly establishes the link between economic incentives and job search behaviour. Specifically, UI...... benefits are relatively more generous for low-income workers in Sweden than in Norway, leading to relatively longer unemployment spells for low-income workers in Sweden. Based on the between-countries variation in replacement ratios, we find that the elasticity of the outflow rate from insured unemployment...

  18. [Hypertension, smoking and life insurance].

    Science.gov (United States)

    Lund-Johansen, P

    1975-11-01

    The insurance companies' data on blood-pressure and longevity have certainly contributed to the trend among both laymen and doctors to take hypertension more seriously. Smoking is also of special interest, having proved to be a clear risk-factor in coronary disease. It holds a unique position, in that - at least theoretically - it would be possible to eliminate. The insurance companies could undoubtedly contribute to an altered attitude towards the problem of smoking. Non-smokers might be granted a bonus and heavy smokers be charged an additional premium.

  19. Insurance, Reinsurance and Dividend Payment

    CERN Document Server

    Goreac, D

    2008-01-01

    The aim of this paper is to introduce an insurance model allowing reinsurance and dividend payment. Our model deals with several homogeneous contracts and takes into account the legislation regarding the provisions to be justified by the insurance companies. This translates into some restriction on the (maximal) number of contracts the company is allowed to cover. We deal with a controlled jump process in which one has free choice of retention level and dividend amount. The value function is given as the maximized expected discounted dividends. We prove that this value function is a viscosity solution of some first-order Hamilton-Jacobi-Bellman variational inequality. Moreover, a uniqueness result is provided.

  20. 75 FR 13147 - Integrity Life Insurance Company, et al.;

    Science.gov (United States)

    2010-03-18

    ... COMMISSION Integrity Life Insurance Company, et al.; Notice of Application March 10, 2010. AGENCY: Securities...: Integrity Life Insurance Company (``Integrity''), Separate Account I of Integrity Life Insurance Company (``Integrity Separate Account I''), Separate Account II of Integrity Life Insurance Company...

  1. 78 FR 59985 - Variable Insurance Trust, et al.;

    Science.gov (United States)

    2013-09-30

    ... National Association of Insurance Commissioners Variable Life Insurance Model Regulation (the ``NAIC Model... COMMISSION Variable Insurance Trust, et al.; Notice of Application September 24, 2013. AGENCY: Securities and.... Applicants: Variable Insurance Trust (the ``Fund'') and MFund Services LLC (``MFund'')...

  2. Detection and analysis of accident black spots with even small accident figures.

    OpenAIRE

    Oppe, S.

    1982-01-01

    Accident black spots are usually defined as road locations with high accident potentials. In order to detect such hazardous locations we have to know the probability of an accident for a traffic situation of some kind, or the mean number of accidents for some unit of time. In almost all procedures known to us, the various road locations are treated as isolated spots. With small accident figures it is difficult to detect such places in the known procedures. An alternative procedure starts from...

  3. Deepwater Horizon Accident Investigation Report

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2010-09-15

    On the evening of April 20, 2010, a well control event allowed hydrocarbons to escape from the Macondo well onto Transocean's Deepwater Horizon, resulting in explosions and fire on the rig. Eleven people lost their lives, and 17 others were injured. The fire, which was fed by hydrocarbons from the well, continued for 36 hours until the rig sank. Hydrocarbons continued to flow from the reservoir through the wellbore and the blowout preventer (BOP) for 87 days, causing a spill of national significance. BP Exploration and Production Inc. was the lease operator of Mississippi Canyon Block 252, which contains the Macondo well. BP formed an investigation team that was charged with gathering the facts surrounding the accident, analyzing available information to identify possible causes and making recommendations to enable prevention of similar accidents in the future. The BP investigation team began its work immediately in the aftermath of the accident, working independently from other BP spill response activities and organizations. The ability to gather information was limited by a scarcity of physical evidence and restricted access to potentially relevant witnesses. The team had access to partial real-time data from the rig, documents from various aspects of the Macondo well's development and construction, witness interviews and testimony from public hearings. The team used the information that was made available by other companies, including Transocean, Halliburton and Cameron. Over the course of the investigation, the team involved over 50 internal and external specialists from a variety of fields: safety, operations, subsea, drilling, well control, cementing, well flow dynamic modeling, BOP systems and process hazard analysis. This report presents an analysis of the events leading up to the accident, eight key findings related to the causal chain of events and recommendations to enable the prevention of a similar accident. The investigation team worked

  4. Financial risks insurance in Russian travel industry

    Directory of Open Access Journals (Sweden)

    Elena A. Ivanova

    2011-03-01

    Full Text Available The article provides general characteristics of financial risks insurance in travel organizations activities, defines problem issues of legislation implementation, concerning tourist activities within travel cancellation insurance.

  5. THE EVOLUTION OF INSURANCE MARKET IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Florea Ianc Maria Mirabela

    2013-04-01

    Full Text Available Insurance is the economic activity that individuals and businesses are threatened by some danger that, if it would cause damage to health or even life or they can destroy property, agree to remove the financial effects of possible losses transfer to specialized companies in exchange for a sum of money. The specialized companies agree to take over and compensate the financial effects of production risk are called companies or insurance companies. The transfer of the possible financial losses from risk bearers insurance companies called insurance. The insurance and reinsurance operations are conducted in a regulated framework that brings together supply and demand of insurance, insurance market framework known. The insurance market is performing most specific contracts.

  6. Modelling in life insurance a management perspective

    CERN Document Server

    Norberg, Ragnar; Planchet, Frédéric

    2016-01-01

    Focussing on life insurance and pensions, this book addresses various aspects of modelling in modern insurance: insurance liabilities; asset-liability management; securitization, hedging, and investment strategies. With contributions from internationally renowned academics in actuarial science, finance, and management science and key people in major life insurance and reinsurance companies, there is expert coverage of a wide range of topics, for example: models in life insurance and their roles in decision making; an account of the contemporary history of insurance and life insurance mathematics; choice, calibration, and evaluation of models; documentation and quality checks of data; new insurance regulations and accounting rules; cash flow projection models; economic scenario generators; model uncertainty and model risk; model-based decision-making at line management level; models and behaviour of stakeholders. With author profiles ranging from highly specialized model builders to decision makers at chief ex...

  7. Joint-venture Insurance Firm Born

    Institute of Scientific and Technical Information of China (English)

    2002-01-01

    @@ Generali China Life insurance Company Ltd.began operations in February this year in Guangzhou,capital of South China's Guangdong Province - the first joint-venture insurer since China joined the World Trade Organization.

  8. How to Shop for Health Insurance

    Science.gov (United States)

    ... and some preventive care. Most plans also offer discounts on prescription drugs and other services. Specific benefits ... child can start using the insurance. The insurance company should send you and everyone covered by your ...

  9. Health Insurance Marketplace Public Use Files

    Data.gov (United States)

    U.S. Department of Health & Human Services — A set of seven (7) public use files containing information on health insurance issuers participating in the Health Insurance Marketplace and certified qualified...

  10. Crop Insurance, Premium Subsidy and Agricultural Output

    Institute of Scientific and Technical Information of China (English)

    XU Jing-feng; LIAO Pu

    2014-01-01

    This paper studied the effects of crop insurance on agricultural output with an economic growth model. Based on Ramsey-Cass-Koopmans (RCK) model, a basic model of agriculture economic growth was developed. Extending the basic model to incorporate uncertainty and insurance mechanism, a risk model and a risk-insurance model were built to study the inlfuences of risk and crop insurance on agricultural output. Compared with the steady states of the three models, the following results are achieved:(i) agricultural output decreases if we introduce uncertainty into the risk-free model;(ii) crop insurance promotes agriculture economic growth if insurance mechanism is introduced into the risk model;(iii) premium subsidy constantly improves agricultural output. Our contribution is that we studied the effects of crop insurance and premium subsidy from the perspective of economic growth in a dynamic framework, and proved the output promotion of crop insurance theoretically.

  11. Pre-Existing Condition Insurance Plan Data

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Affordable Care Act created the new Pre-Existing Condition Insurance Plan (PCIP) program to make health insurance available to Americans denied coverage by...

  12. The Nuclear Insurance Pools: Operations and Covers

    International Nuclear Information System (INIS)

    Nuclear insurance pools have provided insurance for the nuclear industry for over fifty years and it is fair to say that the development of civil nuclear power would not have been possible without the support of the commercial insurance market. The unknown risks presented by the nascent nuclear power industry in the 1950s required a leap of faith by insurers who developed specialist pooled insurance capacity to ensure adequate capacity to back up the operators' compensation obligations. Since then, nuclear insurance pools have evolved to become comprehensive suppliers of most types of insurance for nuclear plant globally. This paper will outline the structure, development, products and current operations of nuclear insurance pools.(author)

  13. ESSENCE AND ROLE OF INSURANCE SALES MANAGEMENT

    OpenAIRE

    N. Karlova

    2008-01-01

    Planning, organization, motivation and control as constituents of insurance products sales management process were considered in the article. Its important role in provision of financial reliability and paying capacity of insurance companies was demonstrated.

  14. THE INSURANCE OF ECOLOGICAL RISKS IN UKRAINE

    OpenAIRE

    Pikus, R.; Lobova, O.

    2009-01-01

    The article defines the meaning and major tasks for ecological insurance in the society and economy. Its international experience and status in Ukraine is analyzed, a prospect for development of ecological insurance is determined.

  15. Insure Kids Now (IKN) (Dental Care Providers)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Insure Kids Now (IKN) Dental Care Providers in Your State locator tool is provided, in accordance with the Children's Health Insurance Program Reauthorization...

  16. Healthcare.gov Insurance Finder Tool

    Data.gov (United States)

    U.S. Department of Health & Human Services — This tool will help you find the health insurance best suited to your needs, whether its private insurance for individuals, families, and small businesses, or...

  17. Effectiveness of insurance risk management under crisis conditions

    OpenAIRE

    Goncharenko, I.G.

    2015-01-01

    In the article some historical aspects of insurance, domestic trends in insurance risk management with aspects of international experience, the modern role of insurance and insurance companies in a market economy, factors of risk management system and the nature of the insurance portfolio are analyzed. Factors of risk events in insurance, the spectrum of risks, imbalance of the insurance market in crisis conditions are outlined; expert’s estimations of the insurance market in recent years are...

  18. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-300.25 Section 60-300.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  19. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  20. 76 FR 70510 - Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance...

    Science.gov (United States)

    2011-11-14

    ... MANAGEMENT Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance... Management (OPM) is announcing changes in premiums for certain Federal ] Employees' Group Life Insurance... coincided with the implementation of the Federal Employees' Life Insurance Improvement Act, Public Law...

  1. 77 FR 41709 - Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions

    Science.gov (United States)

    2012-07-16

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC39 Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION:...

  2. 76 FR 43606 - Common Crop Insurance Regulations; Onion Crop Insurance Provisions

    Science.gov (United States)

    2011-07-21

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983...; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC29 Common Crop Insurance Regulations; Onion Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation,...

  3. 76 FR 71276 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

    Science.gov (United States)

    2011-11-17

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  4. 76 FR 75805 - Common Crop Insurance Regulations; Prune Crop Insurance Provisions

    Science.gov (United States)

    2011-12-05

    ..., published at 48 FR 29115, June 24, 1983. Executive Order 12988 This proposed rule has been reviewed in... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC36 Common Crop Insurance Regulations; Prune Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  5. Development of TRAIN for accident management

    International Nuclear Information System (INIS)

    Severe accident management can be defined as the use of existing and alternative resources, systems, and actions to prevent or mitigate a core-melt accident in nuclear power plants. TRAIN (Training pRogram for AMP In NPP), developed for training control room staff and the technical group, is introduced in this paper. The TRAIN composes of phenomenological knowledge base (KB), accident sequence KB and accident management procedures with AM strategy control diagrams and information needs. This TRAIN might contribute to training them by obtaining phenomenological knowledge of severe accidents, understanding plant vulnerabilities, and solving problems under high stress. (author)

  6. Consumer price sensitivity in Dutch health insurance

    OpenAIRE

    Van Dijk, Machiel; Pomp, Marc; Douven, Rudy C.H.M.; Laske-Aldershof, Trea; Schut, Erik; Boer, Willem; de Boo, Anne

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: The price elasticity of residual demand for health insurance was low during the period 1993-2002, confirming earlier findings based on annual changes in market share. We find small but significant e...

  7. THE ESSENTIALS OF RAINFALL DERIVATIVES AND INSURANCE

    OpenAIRE

    Turvey, Calum G.

    1999-01-01

    This paper investigates the use of rainfall insurance to manage agricultural production risks. A number of rainfall insurance products are presented along with a raitonal model which identifies the economics of rainfall. The use of rainfall insurance will increase in future years as capital markets, financial institutions, reinsurance companies, crop insurance companies, and hedge funds collectively organize to share and distribute weather risks. The focus of this paper is in fact directed to...

  8. 2007 Saw Fresh Air for Insurance

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ What happened to China's insurance sector this year?Above all, this year was the first in the new Five-Year Plan for the Standardization of China's Insurance (2007-2011). The Five-Year Plan,released back in February, sets the first standards for the insurance industry in China; meanwhile, it also lays out a blueprint for future development. Additionally, the insurance sector is focused on meeting international standards and levels of service in 2015.

  9. Occupational injury insurance - A strategy for prevention?

    DEFF Research Database (Denmark)

    Jacobsen, Thomas

    1993-01-01

    Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French.......Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French....

  10. IFRS for Insurance: CFO Forum Proposals

    OpenAIRE

    Denis Duverne; Jacques Le Douit

    2007-01-01

    European insurers who have to establish financial statements under IFRS must apply a temporary international accounting standard for insurance contracts which provides a flawed picture of their business. The IFRS long-term project for insurance is still under preparation by the IASB. The standard should not be issued until mid-2009 following a discussion paper to be submitted for comments in the first quarter 2007. The insurance industry has been involved for several years in a proactive way,...

  11. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    Directory of Open Access Journals (Sweden)

    M. Malik

    2014-03-01

    Full Text Available The article outlines the main trends of compulsory insurance of civil liability in Russia : problems, trends and prospectsInsurance of civil liability – one of the popular forms of distribution and security in the world. The essence of compulsory insurance of civil responsibility is to protect the property interests of individuals. The development of liability insurance goes along with technological progress and reinforced by various laws and regulations, it touches almost all areas of life.

  12. Insurance Law and Economics: an empirical perspective

    OpenAIRE

    Boom, Willem

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associated with moral hazard and adverse selection respectively, are firmly embedded in rational choice theory. This paper reviews empirical findings and addresses the question how close insurance law and economics theo...

  13. Social insurance and the marriage market

    OpenAIRE

    Persson, Petra

    2015-01-01

    Social insurance is often linked to marriage. I model how such linkage affects the marriage market, and exploit Sweden’s elimination of survivors insurance to demonstrate economically important responses along several behavioral margins in this market. Entry into marriage reflects a demand for survivors insurance up to 50 years before expected payout, especially among couples with high husband mortality risks. Further, elimination of survivors insurance induces divorces and intra-household re...

  14. Telematics Strategy for Automobile Insurers : Whitepaper

    OpenAIRE

    Paefgen, Johannes; Fleisch, Elgar; Staake, Thorsten; Ackermann, Lukas; Best, Jonas; Egli, Lukas

    2013-01-01

    This whitepaper investigates the business implications telematics services and Pay-as-you-drive (PAYD) insurance in particular, from the perspective of automobile insurance providers. Specifically, it discusses - the PROFITABILITY and competitive dynamics of PAYD insurance, - a simplified BUSINESS CASE for a new market entrant with a PAYD product, - the present STRUCTURE OF INTERNATIONAL MARKETS for insurance telematics services, - DRIVERS AND BARRIERS for the focus markets Swit...

  15. Insurance Law and Economics: an empirical perspective

    NARCIS (Netherlands)

    W.H. van Boom (Willem)

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associate

  16. Stochastic Cooperative Games in Insurance and Reinsurance

    NARCIS (Netherlands)

    Suijs, J.P.M.; De Waegenaere, A.M.B.; Borm, P.E.M.

    1996-01-01

    This paper shows how problems in `non life'-insurance and `non life'-reinsurance can be modelled simultaneously as cooperative games with stochastic payoffs.Pareto optimal allocations of the risks faced by the insurers and the insureds are determined.It is shown that the core of the corresponding in

  17. 29 CFR 18.411 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... OF ADMINISTRATIVE LAW JUDGES Rules of Evidence Relevancy and Its Limits § 18.411 Liability insurance. Evidence that a person was or was not insured against liability is not admissible upon the issue whether... evidence of insurance against liability when offered for another purpose, such as proof of...

  18. Cancer survival disparities by health insurance status.

    Science.gov (United States)

    Niu, Xiaoling; Roche, Lisa M; Pawlish, Karen S; Henry, Kevin A

    2013-06-01

    Previous studies found that uninsured and Medicaid insured cancer patients have poorer outcomes than cancer patients with private insurance. We examined the association between health insurance status and survival of New Jersey patients 18-64 diagnosed with seven common cancers during 1999-2004. Hazard ratios (HRs) with 95% confidence intervals for 5-year cause-specific survival were calculated from Cox proportional hazards regression models; health insurance status was the primary predictor with adjustment for other significant factors in univariate chi-square or Kaplan-Meier survival log-rank tests. Two diagnosis periods by health insurance status were compared using Kaplan-Meier survival log-rank tests. For breast, colorectal, lung, non-Hodgkin lymphoma (NHL), and prostate cancer, uninsured and Medicaid insured patients had significantly higher risks of death than privately insured patients. For bladder cancer, uninsured patients had a significantly higher risk of death than privately insured patients. Survival improved between the two diagnosis periods for privately insured patients with breast, colorectal, or lung cancer and NHL, for Medicaid insured patients with NHL, and not at all for uninsured patients. Survival from cancer appears to be related to a complex set of demographic and clinical factors of which insurance status is a part. While ensuring that everyone has adequate health insurance is an important step, additional measures must be taken to address cancer survival disparities.

  19. 14 CFR 1260.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Insurance coverage. 1260.131 Section 1260... Higher Education, Hospitals, and Other Non-Profit Organizations Property Standards § 1260.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property...

  20. 24 CFR 241.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 241.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Without a HUD-Insured or HUD-Held Mortgage Rights and Duties of Lender Under the Contract of...

  1. 33 CFR 401.23 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 3 2010-07-01 2010-07-01 false Liability insurance. 401.23....23 Liability insurance. (a) It is a condition of approval of an application for preclearance that the vessel is covered by liability insurance equal to or exceeding $100 per gross registered ton. (b)...

  2. 24 CFR 232.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 232.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED...

  3. Health Insurance and Children with Disabilities

    Science.gov (United States)

    Szilagyi, Peter G.

    2012-01-01

    Few people would disagree that children with disabilities need adequate health insurance. But what kind of health insurance coverage would be optimal for these children? Peter Szilagyi surveys the current state of insurance coverage for children with special health care needs and examines critical aspects of coverage with an eye to helping policy…

  4. 24 CFR 207.259 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... insurance pursuant to 24 CFR parts 251, 252, or 255, the amount of the fee set forth through Federal... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 207.259 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  5. 24 CFR 320.11 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance coverage. 320.11 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.11 Insurance coverage. The issuer shall maintain, for the benefit of the Association, insurance, errors and omissions, fidelity bond and other...

  6. 22 CFR 226.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 226.31 Section 226.31...-GOVERNMENTAL ORGANIZATIONS Post-award Requirements Property Standards § 226.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  7. 7 CFR 2201.24 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 2201.24 Section 2201.24 Agriculture... TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.24 Insurance. The Borrower of a Loan guaranteed under the Program shall obtain, at its expense, insurance sufficient to protect...

  8. 20 CFR 627.415 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Insurance. 627.415 Section 627.415 Employees... UNDER TITLES I, II, AND III OF THE ACT Administrative Standards § 627.415 Insurance. (a) General. Each recipient and subrecipient shall follow its normal insurance procedures except as otherwise indicated...

  9. 13 CFR 120.170 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Flood insurance. 120.170 Section... to All Business Loans Requirements Imposed Under Other Laws and Orders § 120.170 Flood insurance.... 4000 et seq.)), a loan recipient must obtain flood insurance if any building (including mobile...

  10. 32 CFR 32.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Insurance coverage. 32.31 Section 32.31 National... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 32.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  11. 48 CFR 970.2803 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Insurance. 970.2803 Section 970.2803 Federal Acquisition Regulations System DEPARTMENT OF ENERGY AGENCY SUPPLEMENTARY REGULATIONS DOE MANAGEMENT AND OPERATING CONTRACTS Bonds and Insurance 970.2803 Insurance....

  12. 45 CFR 2543.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Insurance coverage. 2543.31 Section 2543.31 Public... ORGANIZATIONS Post-Award Requirements Property Standards § 2543.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  13. 15 CFR 14.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Insurance coverage. 14.31 Section 14... COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 14.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  14. 45 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Insurance coverage. 74.31 Section 74.31 Public..., AND COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  15. 34 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Insurance coverage. 74.31 Section 74.31 Education... Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided to property...

  16. 22 CFR 518.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Insurance coverage. 518.31 Section 518.31... Requirements Property Standards § 518.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  17. 20 CFR 435.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Insurance coverage. 435.31 Section 435.31... ORGANIZATIONS Post-Award Requirements Property Standards § 435.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  18. 28 CFR 70.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Insurance coverage. 70.31 Section 70.31...-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 70.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  19. 28 CFR 36.212 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  20. 25 CFR 117.11 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Insurance. 117.11 Section 117.11 Indians BUREAU OF INDIAN... MEMBERS OF THE OSAGE TRIBE OF INDIANS WHO DO NOT HAVE CERTIFICATES OF COMPETENCY § 117.11 Insurance. The superintendent may obtain policies of insurance covering the restricted property, real or personal, of...

  1. 36 CFR 1210.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Insurance coverage. 1210.31 Section 1210.31 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION GENERAL....31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage...

  2. 10 CFR 600.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Insurance coverage. 600.131 Section 600.131 Energy... Nonprofit Organizations Post-Award Requirements § 600.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with DOE funds...

  3. 22 CFR 145.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 145.31 Section 145.31 Foreign Relations DEPARTMENT OF STATE CIVIL RIGHTS GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  4. 19 CFR 351.520 - Export insurance.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 3 2010-04-01 2010-04-01 false Export insurance. 351.520 Section 351.520 Customs... Identification and Measurement of Countervailable Subsidies § 351.520 Export insurance. (a) Benefit—(1) In general. In the case of export insurance, a benefit exists if the premium rates charged are inadequate...

  5. 38 CFR 49.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Insurance coverage. 49.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 49.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  6. 30 CFR 778.18 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Insurance. 778.18 Section 778.18 Mineral... APPLICATIONS-MINIMUM REQUIREMENTS FOR LEGAL, FINANCIAL, COMPLIANCE, AND RELATED INFORMATION § 778.18 Insurance. An application shall contain either a certificate of liability insurance or evidence of...

  7. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Cooperative Share Loan Insurance AGENCY: Office of the Chief Information Officer, HUD... cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA insurance. This new publication will provide...

  8. 48 CFR 35.013 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Insurance. 35.013 Section... CONTRACTING RESEARCH AND DEVELOPMENT CONTRACTING 35.013 Insurance. Nonprofit, educational, or State institutions performing cost-reimbursement contracts often do not carry insurance. They may claim immunity...

  9. 17 CFR 256.924 - Property insurance.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Property insurance. 256.924... COMPANY ACT OF 1935 2. Expense § 256.924 Property insurance. (a) This account shall include the cost of insurance premiums to protect the service company against losses and damages to owned or leased...

  10. 49 CFR 19.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Insurance coverage. 19.31 Section 19.31... Requirements Property Standards § 19.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  11. 40 CFR 30.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Insurance coverage. 30.31 Section 30.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 30.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  12. 2 CFR 215.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 2 Grants and Agreements 1 2010-01-01 2010-01-01 false Insurance coverage. 215.31 Section 215.31 Grants and Agreements OFFICE OF MANAGEMENT AND BUDGET CIRCULARS AND GUIDANCE Reserved UNIFORM... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  13. 24 CFR 84.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 84.31 Section 84.31 Housing and Urban Development Office of the Secretary, Department of Housing and Urban... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  14. 27 CFR 24.68 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Insurance coverage. 24.68... OF THE TREASURY LIQUORS WINE Administrative and Miscellaneous Provisions Claims § 24.68 Insurance... recompensed for such tax by any valid claim of insurance or otherwise. (Sec. 201, Pub. L. 85-859, 72...

  15. 33 CFR 136.111 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Insurance. 136.111 Section 136...; DESIGNATION OF SOURCE; AND ADVERTISEMENT General Procedure § 136.111 Insurance. (a) A claimant shall provide the following information concerning any insurance which may cover the removal costs or damages...

  16. 38 CFR 36.4222 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4222... General Provisions § 36.4222 Hazard insurance. (a) The holder shall require insurance policies to be... it may be subjected to the extent customary in the locality. The costs of such required...

  17. 29 CFR 95.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Insurance coverage. 95.31 Section 95.31 Labor Office of the Secretary of Labor GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER EDUCATION, HOSPITALS, AND OTHER NON... § 95.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance...

  18. 24 CFR 35.1140 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 35.1140 Section... § 35.1140 Insurance coverage. For the requirements concerning the obligation of a PHA to obtain reasonable insurance coverage with respect to the hazards associated with evaluation and hazard...

  19. 46 CFR 326.2 - Insurer.

    Science.gov (United States)

    2010-10-01

    ... coverage under one or more policies written by underwriters of marine insurance. MARAD shall determine the... ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.2 Insurer. MARAD shall be responsible for providing...

  20. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    Directory of Open Access Journals (Sweden)

    N. Prikazyuk

    2014-03-01

    Full Text Available The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  1. 7 CFR 1724.6 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Insurance requirements. 1724.6 Section 1724.6... Insurance requirements. (a) Borrowers shall ensure that all architects and engineers working under contract with the borrower have insurance coverage as required by part 1788 of this chapter. (b) Borrowers...

  2. 32 CFR 766.9 - Insurance requirements.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 5 2010-07-01 2010-07-01 false Insurance requirements. 766.9 Section 766.9... DEPARTMENT OF THE NAVY AVIATION FACILITIES BY CIVIL AIRCRAFT § 766.9 Insurance requirements. (a) Control of insurance. The Commander, Naval Facilities Engineering Command, or his designee, shall be responsible...

  3. 7 CFR 1416.7 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Insurance requirements. 1416.7 Section 1416.7... PROGRAMS General Provisions for 2006 Emergency Agricultural Disaster Assistance Programs § 1416.7 Insurance... rates for producers who did not have crop insurance or coverage under the Noninsured Crop...

  4. Specific aspects of insurance of nuclear risks

    International Nuclear Information System (INIS)

    The following questions are discussed in connection with the insurance of nuclear risks: insurance techniques, the nuclear operator's limitation of liability in amount and in time, its channelling, the principle of sole liability and exonerations, the insurers' position, the cover provided and state intervention beyond that amount. (NEA)

  5. Evolutionary dynamics of collective index insurance.

    Science.gov (United States)

    Pacheco, Jorge M; Santos, Francisco C; Levin, Simon A

    2016-03-01

    Index-based insurances offer promising opportunities for climate-risk investments in developing countries. Indeed, contracts conditional on, e.g., weather or livestock indexes can be cheaper to set up than conventional indemnity-based insurances, while offering a safety net to vulnerable households, allowing them to eventually escape poverty traps. Moreover, transaction costs by insurance companies may be additionally reduced if contracts, instead of arranged with single households, are endorsed by collectives of households that bear the responsibility of managing the division of the insurance coverage by its members whenever the index is surpassed, allowing for additional flexibility in what concerns risk-sharing and also allowing insurance companies to avoid the costs associated with moral hazard. Here we resort to a population dynamics framework to investigate under which conditions household collectives may find collective index insurances attractive, when compared with individual index insurances. We assume risk sharing among the participants of each collective, and model collective action in terms of an N-person threshold game. Compared to less affordable individual index insurances, we show how collective index insurances lead to a coordination problem in which the adoption of index insurances may become the optimal decision, spreading index insurance coverage to the entire population. We further investigate the role of risk-averse and risk-prone behaviors, as well as the role of partial correlation between insurance coverage and actual loss of crops, and in which way these affect the original coordination thresholds. PMID:26486802

  6. Entrepreneurial Moral Hazard in Income Insurance

    NARCIS (Netherlands)

    Ejrnaes, Mette; Hochguertel, Stefan

    2008-01-01

    We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI-emb

  7. 20 CFR 617.58 - Unemployment insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Unemployment insurance. 617.58 Section 617.58 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TRADE ADJUSTMENT ASSISTANCE... Unemployment insurance. Unemployment insurance payable to an adversely affected worker shall not be denied...

  8. Consumer price sensitivity in Dutch health insurance

    NARCIS (Netherlands)

    M. van Dijk (Machiel); M. Pomp (Marc); R.C.H.M. Douven (Rudy C.H.M.); T. Laske-Aldershof (Trea); F.T. Schut (Erik); W. de Boer (Willem); A. Boo (Anne)

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: T

  9. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    K. Antonio

    2008-01-01

    Within the actuarial profession a major challenge can be found in the construction of a fair tariff structure. In light of the heterogeneity within, for instance, a car insurance portfolio, an insurance company should not apply the same premium for all insured risks. Otherwise the so-called concept

  10. 24 CFR 232.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 232.805 Section... FACILITIES Contract Rights and Obligations Premiums § 232.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium....

  11. Exploratory analysis of Spanish energetic mining accidents.

    Science.gov (United States)

    Sanmiquel, Lluís; Freijo, Modesto; Rossell, Josep M

    2012-01-01

    Using data on work accidents and annual mining statistics, the paper studies work-related accidents in the Spanish energetic mining sector in 1999-2008. The following 3 parameters are considered: age, experience and size of the mine (in number of workers) where the accident took place. The main objective of this paper is to show the relationship between different accident indicators: risk index (as an expression of the incidence), average duration index for the age and size of the mine variables (as a measure of the seriousness of an accident), and the gravity index for the various sizes of mines (which measures the seriousness of an accident, too). The conclusions of this study could be useful to develop suitable prevention policies that would contribute towards a decrease in work-related accidents in the Spanish energetic mining industry. PMID:22721539

  12. AMERICAN SHARE INSURANCE: THE SOLE SURVIVING PRIVATE DEPOSIT INSURER IN THE UNITED STATES

    Directory of Open Access Journals (Sweden)

    Stephanie O. Crofton

    2010-01-01

    Full Text Available Founded in 1974, American Share Insurance (ASI is an insurer for deposits in credit unions and it is the sole surviving private primary deposit insurer in the US. We assess reasons why ASI survived when numerous other deposit insurance systems did not. These reasons include ASI’s policy of insuring only credit unions, its geographic diversification, its efforts to shed the quasi-governmental nature of other nonfederal deposit insurers, its covering only stronger depositories, its ability to draw funding from stronger insured institutions as needed, and its use of incentives for improved performance among its insured institutions. While the severity of the effects of the housing, financial, and economic crises on depositories and their insurers is yet to become fully clear, ASI’s performance up to the Summer of 2009 points to a set of practices that could help buttress other government and private deposit insurers in the US and abroad.

  13. The impact of insurance coverage during insurance reform on diagnostic resolution of cancer screening abnormalities.

    Science.gov (United States)

    Kapoor, Alok; Battaglia, Tracy A; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Freund, Karen M

    2014-02-01

    We examined the impact of Massachusetts insurance reform on the care of women at six community health centers with abnormal breast and cervical cancer screening to investigate whether stability of insurance coverage was associated with more timely diagnostic resolution. We conducted Cox proportional hazards models to predict time from cancer screening to diagnostic resolution, examining the impact of 1) insurance status at time of screening abnormality, 2) number of insurance switches over a three-year period, and 3) insurance history over a three-year period. We identified 1,165 women with breast and 781 with cervical cancer screening abnormalities. In the breast cohort, Medicaid insurance at baseline, continuous public insurance, and losing insurance predicted delayed resolution. We did not find these effects in the cervical cohort. These data provide evidence that stability of health insurance coverage with insurance reform nationally may improve timely care after abnormal cancer screening in historically underserved women.

  14. Life Insurance Basics: A Self-Help Workbook for Consumers.

    Science.gov (United States)

    Saskatchewan Consumer and Commercial Affairs, Regina.

    This booklet provides consumers with an overview of information about life insurance. Chapter 1, "Why Life Insurance?" outlines the primary purposes of life insurance coverage and presents basic facts about the Canadian life insurance industry. Chapter 2, "Do I Need Life Insurance?" discusses life insurance coverage at specific age levels and…

  15. Consumer choice of social health insurance in managed competition.

    NARCIS (Netherlands)

    Kerssens, J.J.; Groenewegen, P.P.

    2003-01-01

    Objective: To promote managed competition in Dutch health insurance, the insured are now able to change health insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to

  16. Consumer choice of social health insurance in managed competition

    NARCIS (Netherlands)

    Kerssens, Jan J.; Groenewegen, Peter P.

    2003-01-01

    Objective To promote managed competition in Dutch health insurance, the insured are now able to change heaith insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to a

  17. Professional liability insurance with focus on legal professions

    OpenAIRE

    Hubinková, Barbora

    2015-01-01

    The thesis is about professional liability insurance, focused primarily on legal professions. The first part describes general liability insurance, then the thesis is focused on characteristics and specific features of professional liability insurance. The thesis also analyzes legal requirements for insurance of selected professions and significance of professional associations in professional liability insurance. In conclusion, it examines availability of professional liability insurance pro...

  18. PRIVATE OR PUBLIC PENSION INSURANCE?

    Directory of Open Access Journals (Sweden)

    Bogomil Manov

    2013-03-01

    Full Text Available The most recent trends in population dynamics and increased longevity risk have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The public pension insurance is dominated by the state that guarantees its stability, but is often compared to a pyramid or a Ponzi scheme. The private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address the issue, this study analyzes and compares a large set of arguments and popular opinions in favour and against both pension models. As a result of the study, a conclusion is drawn stating that both types of pension insurance, despite of their positive and negative features have their essential role nowadays. This study is part of a growing set of articles on the feasibility of using a proper combination of the two pension models and will contribute to future research on the topic and might benefit policymakers in taking an appropriate decision.

  19. CERN HEALTH INSURANCE SUPERVISORY BOARD

    CERN Multimedia

    Sylvain Weisz

    2002-01-01

    All Members of the CERN Health Insurance Scheme (CHIS) are invited to a: CHIS Public Information Meeting Main Amphitheatre Tuesday 1 October 2002 (14:00-16:00) Topics will include the CHIS balance, trends in costs and the challenges facing our Scheme. Particular emphasis will be placed on hospitalisation in the Geneva area. Sylvain Weisz Chairman of the CHIS Board

  20. Gaining Access to Unemployment Insurance

    Science.gov (United States)

    Stewart, Beverly

    2008-01-01

    Using contingent faculty gives colleges and universities scheduling flexibility, and the lack of obligation to offer benefits to contingents saves them much money. In this article, the author contends that, in return for this shirking of responsibility, institutions of higher education should provide the merest unemployment insurance benefit to…

  1. Severe accident recriticality analyses (SARA)

    DEFF Research Database (Denmark)

    Frid, W.; Højerup, C.F.; Lindholm, I.;

    2001-01-01

    Recriticality in a BWR during reflooding of an overheated partly degraded core, i.e. with relocated control rods, has been studied for a total loss of electric power accident scenario. In order to assess the impact of recriticality on reactor safety, including accident management strategies......, the following issues have been investigated in the SARA project: (1) the energy deposition in the fuel during super-prompt power burst; (2) the quasi steady-state reactor power following the initial power burst; and (3) containment response to elevated quasi steady-state reactor power. The approach was to use...... the regulatory limits for fuel failure, but close to or above recently observed thresholds for fragmentation and dispersion of high burn-up fuel. The highest calculated quasi steady-state power following initial power excursion was in most cases approximately 20% of the nominal reactor power, according...

  2. The impact of public intervention on self-insurance and insurance activities in risky forest management

    OpenAIRE

    Brunette, Marielle; Couture, Stéphane; Association of Environmental and Resource Economists

    2007-01-01

    As suggested by Birot and Gollier (2001), one explenation of the low interest in insuring against fire and wind is the expectation that public subsidies will compensate the losses. This article examines the robustness of this explanation in a general model with many states of the world. We developp a theoretical model of self-insurance or insurance choice that emphasizes the interaction between market insurance, self-insurance and public intervention in forest. The effects of changes in the p...

  3. Accident Simulation: Design and Results

    OpenAIRE

    Idasiak, Vincent; David, Pierre

    2007-01-01

    International audience The French legislation regulates the functioning of factories that may be dangerous towards their environment. This legislation imposes the creation of an Internal Operation Plan (P.O.I.) on the plant managers. Those plans describe the proceedings that have to be implemented in case of an accident. Within a framework involving our laboratory and a gas company we have designed a software to create, maintain and execute P.O.I.s . In this paper, in addition to the softw...

  4. Accident/Mishap Investigation System

    Science.gov (United States)

    Keller, Richard; Wolfe, Shawn; Gawdiak, Yuri; Carvalho, Robert; Panontin, Tina; Williams, James; Sturken, Ian

    2007-01-01

    InvestigationOrganizer (IO) is a Web-based collaborative information system that integrates the generic functionality of a database, a document repository, a semantic hypermedia browser, and a rule-based inference system with specialized modeling and visualization functionality to support accident/mishap investigation teams. This accessible, online structure is designed to support investigators by allowing them to make explicit, shared, and meaningful links among evidence, causal models, findings, and recommendations.

  5. Turkish Compulsory Earthquake Insurance (TCIP)

    Science.gov (United States)

    Erdik, M.; Durukal, E.; Sesetyan, K.

    2009-04-01

    Through a World Bank project a government-sponsored Turkish Catastrophic Insurance Pool (TCIP) is created in 2000 with the essential aim of transferring the government's financial burden of replacing earthquake-damaged housing to international reinsurance and capital markets. Providing coverage to about 2.9 Million homeowners TCIP is the largest insurance program in the country with about 0.5 Billion USD in its own reserves and about 2.3 Billion USD in total claims paying capacity. The total payment for earthquake damage since 2000 (mostly small, 226 earthquakes) amounts to about 13 Million USD. The country-wide penetration rate is about 22%, highest in the Marmara region (30%) and lowest in the south-east Turkey (9%). TCIP is the sole-source provider of earthquake loss coverage up to 90,000 USD per house. The annual premium, categorized on the basis of earthquake zones type of structure, is about US90 for a 100 square meter reinforced concrete building in the most hazardous zone with 2% deductible. The earthquake engineering related shortcomings of the TCIP is exemplified by fact that the average rate of 0.13% (for reinforced concrete buildings) with only 2% deductible is rather low compared to countries with similar earthquake exposure. From an earthquake engineering point of view the risk underwriting (Typification of housing units to be insured, earthquake intensity zonation and the sum insured) of the TCIP needs to be overhauled. Especially for large cities, models can be developed where its expected earthquake performance (and consequently the insurance premium) can be can be assessed on the basis of the location of the unit (microzoned earthquake hazard) and basic structural attributes (earthquake vulnerability relationships). With such an approach, in the future the TCIP can contribute to the control of construction through differentiation of premia on the basis of earthquake vulnerability.

  6. Accident analysis and DOE criteria

    International Nuclear Information System (INIS)

    In analyzing the radiological consequences of major accidents at DOE facilities one finds that many facilities fall so far below the limits of DOE Order 6430 that compliance is easily demonstrated by simple analysis. For those cases where the amount of radioactive material and the dispersive energy available are enough for accident consequences to approach the limits, the models and assumptions used become critical. In some cases the models themselves are the difference between meeting the criteria or not meeting them. Further, in one case, we found that not only did the selection of models determine compliance but the selection of applicable criteria from different chapters of Order 6430 also made the difference. DOE has recognized the problem of different criteria in different chapters applying to one facility, and has proceeded to make changes for the sake of consistency. We have proposed to outline the specific steps needed in an accident analysis and suggest appropriate models, parameters, and assumptions. As a result we feed DOE siting and design criteria will be more fairly and consistently applied

  7. Medical consequences of Chernobyl accident

    Directory of Open Access Journals (Sweden)

    Galstyan I.A.

    2015-12-01

    Full Text Available Aim: to study the long-term effects of acute radiation syndrome (ARS, developed at the victims of the Chernobyl accident. Material and Methods. 237 people were exposed during the accident, 134 of them were diagnosed with ARS. Dynamic observation implies a thorough annual examination in a hospital. Results. In the first 1.5-2 years after the ARS mean group indices of peripheral blood have returned to normal. However, many patients had transient expressed moderate cytopenias. Granulocytopenia, thrombocytopenia, lymphopenia and erythropenia were the most frequently observed things during the first 5 years after the accident. After 5 years their occurences lowered. In 11 patients the radiation cataract was detected. A threshold dose for its development is a dose of 3.2 Gy Long-term effects of local radiation lesions (LRL range from mild skin figure smoothing to a distinct fibrous scarring, contractures, persistently recurrent late radiation ulcers. During all years of observation we found 8 solid tumors, including 2 thyroid cancers. 5 hematologic diseases were found. During 29 years 26 ARS survivors died of various causes. Conclusion. The health of ones with long-term ARS effects is determined by the evolution of the LRL effects on skin, radiation cataracts, hema-tological diseases and the accession of of various somatic diseases, not caused by radiation.

  8. The Role of Nuclear Insurance Pools

    International Nuclear Information System (INIS)

    Since fifty years insurers respond to the need of both governments and the electricity industry to provide financial protection to cover the perils presented by the use of nuclear energy for peaceful purposes. This paper aims at explaining what difficulties had to be solved in order to enable insurers to provide such protection, that as a solution to these difficulties Nuclear Insurance Pools were formed, how such pools operate and what security they provide. Thereby not only a number of universal principles underlying nuclear pool insurance will be explained, but also some differences in the characteristics of such insurance per group of countries. (author)

  9. Risk assessment and nuclear insurance: an overview

    International Nuclear Information System (INIS)

    In the nascent years of commercial nuclear power, the insurance industry expressed confidence in the safety of nuclear operations by committing unprecedented insurance capacity to nuclear risks. As the nuclear industry has developed, it has compiled an enviable safety record. The initial confidence of the insurance industry has thus been justified and an ever-increasing portion of the financial liability associated with nuclear operations has been accepted by the world-wide insurance markets. This increasing acceptance and understanding of nuclear risks by the insurance industry has resulted in significantly reduced rates and large premium refunds for nuclear operators

  10. Risk transfer solutions for the insurance industry

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2009-01-01

    Full Text Available The paper focuses on the traditional and alternative mechanisms for insurance risk transfer that are available to global as well as to domestic insurance companies. The findings suggest that traditional insurance risk transfer solutions available to insurance industry nowadays will be predominant in the foreseeable future but the increasing role of alternative solutions is to be expected as the complementary rather than supplementary solution to traditional transfer. Additionally, findings suggest that it is reasonable to expect that future development of risk transfer solutions in Serbia will follow the path that has been passed by global insurance industry.

  11. Severe Accident Recriticality Analyses (SARA)

    Energy Technology Data Exchange (ETDEWEB)

    Frid, W. [Swedish Nuclear Power Inspectorate, Stockholm (Sweden); Hoejerup, F. [Risoe National Lab. (Denmark); Lindholm, I.; Miettinen, J.; Puska, E.K. [VTT Energy, Helsinki (Finland); Nilsson, Lars [Studsvik Eco and Safety AB, Nykoeping (Sweden); Sjoevall, H. [Teoliisuuden Voima Oy (Finland)

    1999-11-01

    Recriticality in a BWR has been studied for a total loss of electric power accident scenario. In a BWR, the B{sub 4}C control rods would melt and relocate from the core before the fuel during core uncovery and heat-up. If electric power returns during this time-window unborated water from ECCS systems will start to reflood the partly control rod free core. Recriticality might take place for which the only mitigating mechanisms are the Doppler effect and void formation. In order to assess the impact of recriticality on reactor safety, including accident management measures, the following issues have been investigated in the SARA project: 1. the energy deposition in the fuel during super-prompt power burst, 2. the quasi steady-state reactor power following the initial power burst and 3. containment response to elevated quasi steady-state reactor power. The approach was to use three computer codes and to further develop and adapt them for the task. The codes were SIMULATE-3K, APROS and RECRIT. Recriticality analyses were carried out for a number of selected reflooding transients for the Oskarshamn 3 plant in Sweden with SIMULATE-3K and for the Olkiluoto 1 plant in Finland with all three codes. The core state initial and boundary conditions prior to recriticality have been studied with the severe accident codes SCDAP/RELAP5, MELCOR and MAAP4. The results of the analyses show that all three codes predict recriticality - both superprompt power bursts and quasi steady-state power generation - for the studied range of parameters, i. e. with core uncovery and heat-up to maximum core temperatures around 1800 K and water flow rates of 45 kg/s to 2000 kg/s injected into the downcomer. Since the recriticality takes place in a small fraction of the core the power densities are high which results in large energy deposition in the fuel during power burst in some accident scenarios. The highest value, 418 cal/g, was obtained with SIMULATE-3K for an Oskarshamn 3 case with reflooding

  12. Risk and protection factors in fatal accidents.

    Science.gov (United States)

    Dupont, Emmanuelle; Martensen, Heike; Papadimitriou, Eleonora; Yannis, George

    2010-03-01

    This paper aims at addressing the interest and appropriateness of performing accident severity analyses that are limited to fatal accident data. Two methodological issues are specifically discussed, namely the accident-size factors (the number of vehicles in the accident and their level of occupancy) and the comparability of the baseline risk. It is argued that - although these two issues are generally at play in accident severity analyses - their effects on, e.g., the estimation of survival probability, are exacerbated if the analysis is limited to fatal accident data. As a solution, it is recommended to control for these effects by (1) including accident-size indicators in the model, (2) focusing on different sub-groups of road-users while specifying the type of opponent in the model, so as to ensure that comparable baseline risks are worked with. These recommendations are applied in order to investigate risk and protection factors of car occupants involved in fatal accidents using data from a recently set up European Fatal Accident Investigation database (Reed and Morris, 2009). The results confirm that the estimated survival probability is affected by accident-size factors and by type of opponent. The car occupants' survival chances are negatively associated with their own age and that of their vehicle. The survival chances are also lower when seatbelt is not used. Front damage, as compared to other damaged car areas, appears to be associated with increased survival probability, but mostly in the case in which the accident opponent was another car. The interest of further investigating accident-size factors and opponent effects in fatal accidents is discussed. PMID:20159090

  13. Considerations on Albanian Life Insurance Market

    Directory of Open Access Journals (Sweden)

    Gentiana Sharku

    2011-03-01

    Full Text Available The life insurance sector is an important sector of the economy all over the world. Life insurance provides the economy and the individuals as well, a variety of fundamental financial services.Regardless the importance it has all around the world, life insurance market in Albania is still underdeveloped comparing not only to the Western European countries, but to the region countries as well. The comparative analysis of insurance market is carried out by means of two indexes: insurance density and penetration index. The life insurance market in Albania is facing several problems which will be further explained in the paper, together with some recommendations to be taken in account by Albanian insurance companies and the Albanian government as well.

  14. Insuring catastrophes and the role of governments

    Directory of Open Access Journals (Sweden)

    M. M. Boyer

    2013-08-01

    Full Text Available In this paper we model the cost of providing insurance coverage against natural and man-made hazards. We propose an insurance market model that explains (1 the use of reinsurance to help finance the cost of catastrophic events and (2 the implicit (or explicit presence of government entities acting as (reinsurers of last resort. Using an economic model, we show how insurance programmes should be designed to cover the losses due to a possible catastrophic natural hazard. Our results show that the optimal structure of a reinsurance programme minimizes the cost of offering insurance protection. We also show how government intervention can reduce the cost of insurance against natural catastrophes and increase policyholders' welfare. Our paper therefore offers public policy implications as to the role and presence of government as an insurer of last resort and the minimum insurance premium necessary to cover the cost of catastrophic events.

  15. Recent developments in health insurance, life insurance, and disability insurance case law.

    Science.gov (United States)

    Hasman, Joseph J; Chittenden, William A; Doolin, Elizabeth G; Wall, Julie F

    2008-01-01

    This survey reviews significant state and federal court decisions from 2006 and 2007 involving health, life, and disability insurance. Also reviewed is a June 2008 Supreme Court decision in the disability insurance realm, affirming that a conflict of interest exists when an ERISA plan sponsor or insurer fulfills the dual role of determining plan benefits and paying those benefits but noting that the conflict is merely one factor in considering the legality of benefit denials. In addition, this years' survey includes compelling decisions in the life and health arena, including cases addressing statutory penalties and mandated benefits, as well as some ERISA decisions of note. This year, the Texas Supreme Court held that Texas's most recent version of the prompt payment statute abolished the common law interpleader exception and allowed the prevailing adverse claimant in an interpleader action filed beyond the sixty-day statutory period to recover statutory interest and attorney fees from the insurer. Meanwhile, the Court of Appeals of New York upheld the constitutionality of a statute mandating coverage for contraceptives in those employer-sponsored health plans that offer prescription drug coverage, including those plans sponsored by faith-based social service organizations. In the ERISA context, litigants continue to fight over the standard of review with varying results. In a unique assault on the arbitrary and capricious standard of review, the Fourth Circuit found that an ERISA plan abused its discretion when it failed to apply the doctrine of contra proferentem to construe ambiguous plan terms against itself. In more hopeful news for plan insurers, the Tenth Circuit held that claimants are not entitled to review and rebut medical opinions generated during the administrative appeal of a claim denial before a final decision is reached unless such reports contain new factual information.

  16. 76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

    Science.gov (United States)

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment... Insurance, Replacement Insurance for Modified Life Reduced at Age 65, National Service Life Insurance, VA Form 29-8485. b. Application for Ordinary Life Insurance, Replacement Insurance for Modified...

  17. Estimation of the economic impacts of Three Mile Island nuclear power plant accident

    International Nuclear Information System (INIS)

    The Three Mile Island nuclear power plant accident had an immediate negative impact on the economy of the seven-country area which surrounds the plant site. In order to estimate the social effect of the nuclear power plant accident economically, immediate and short term economical impacts on some industrial classification have been evaluated. The economical effect to Metropolitan Edison Co., the circumstantial payment of the insurance and the lawsuit for the compensation for damages, etc. have been estimated at dollar 90 million for the manufacturing and nonmanufacturing industry, dollar 5 million for the tourist industry and dollar 50,000 for agriculture. The total loss for the state and country governments is about dollar 90,000. Metropolitan Edison Co. expended also dollar 111 million for the substitute energy and dollar 760 million for the decontamination cost. Since the lawsuit for the compensation for damages is still continuing, the total impacts cost is calculated more than a billion dollar. (author)

  18. [Thrombosis and post-thrombotic syndrome as a consequence of an accident].

    Science.gov (United States)

    Wahl, U; Hirsch, T

    2015-10-01

    Phlebothromboses represent alarming complications in accident victims since they can cause fatal pulmonary embolisms. More than half of those affected also develop post-thrombotic syndrome in the course of the illness. In addition to making clinical assessments, the traumatologist should also have fundamental knowledge about diagnostic methods and be familiar with interpreting internal findings. Colour-coded duplex sonography plays a central role in diagnosing thrombosis and in assessing functional limitations. Further information can be gathered from various phlebological procedures. The expert evaluation of the immediate, as well as the long-term consequences of an accident frequently require leg swelling to be classified. It is not uncommon for post-thrombotic syndrome to be diagnosed for the first time during this process. An additional vascular appraisal is often required. An appreciation of social-medical and insurance-related aspects means a high degree of responsibility is placed on the expert. PMID:26377807

  19. Public health response to the nuclear accident

    International Nuclear Information System (INIS)

    The Act on Special Measures Concerning Nuclear Emergency Preparedness was established in 2000 as a specific act within the broader Disaster Control Measures and Reactor Regulation Act which was written in response to the JCO Criticality Accident of 1999. However, this regulatory system did not address all aspects of the Fukushima Daiichi Nuclear Power Plant Accident. This was especially evident with public health issues. For example, radioactive screening, prophylactic use of potassium iodide, support for vulnerable people, and management of contaminated dead bodies were all requested immediately after the occurrence of the nuclear power plant accident but were not included in these regulatory acts. Recently, the regulatory system for nuclear accidents has been revised in response to this reactor accident. Herein we review the revised plan for nuclear reactor accidents in the context of public health. (author)

  20. Accident scenario diagnostics with neural networks

    International Nuclear Information System (INIS)

    Nuclear power plants are very complex systems. The diagnoses of transients or accident conditions is very difficult because a large amount of information, which is often noisy, or intermittent, or even incomplete, need to be processed in real time. To demonstrate their potential application to nuclear power plants, neural networks axe used to monitor the accident scenarios simulated by the training simulator of TVA's Watts Bar Nuclear Power Plant. A self-organization network is used to compress original data to reduce the total number of training patterns. Different accident scenarios are closely related to different key parameters which distinguish one accident scenario from another. Therefore, the accident scenarios can be monitored by a set of small size neural networks, called modular networks, each one of which monitors only one assigned accident scenario, to obtain fast training and recall. Sensitivity analysis is applied to select proper input variables for modular networks