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. Education regarding issues related to traffic accident insurance fraud

    OpenAIRE

    VIČAR, Jan

    2014-01-01

    Based on their own experience the insurance companies are forced to intensively deal with detection and prevention of insurance frauds. Education of the public is the most effective way how to prevent the amount of insurance fraud cases, so therefore the main goal of this thesis is to provide to police officers in the Czech Republic as well as to other people the education material focused on occurrence of insurance frauds happening in connection with traffic accidents. The thesis is also the...

  4. 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.

  5. Current Situation and Issue of Industrial Accident Compensation Insurance

    Science.gov (United States)

    Kim, Inah; Rhie, Jeongbae; Yoon, Jo-Duk; Kim, Jinsoo

    2012-01-01

    Industrial Accident Compensation Insurance (IACI) has a history of about 50 yr, and is the oldest social insurance system in Korea. After more than 20 times of revision improvements in benefits, its contents and claim systems have been upgraded. It became the protector of injured workers and their families, and at the same time became the system which could cope with both financial burden of employers and their responsibilities. However, there are some issues to be reformed to upgrade the IACI: 1) the problems in the approval system of occupational diseases, 2) quality improvement of workers' compensation medical care, 3) vocational rehabilitation and return to work, 4) workers' compensation premiums and out-of-pocket money of injured workers, 5) issues in application of IACI. Growth of IACI cannot be achieved by an effort of an individual. Efforts by workers, owners, and government, in addition to physicians and welfare professionals toward the same goal are required for the next level improvement of IACI. PMID:22661871

  6. 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

    Energy Technology Data Exchange (ETDEWEB)

    Izumi, Taiichiro [Songaihokenryoritsusanteikai (Japan)

    2000-08-01

    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.)

  7. 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

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

    Science.gov (United States)

    Martín-Román, Ángel; Moral, Alfonso

    2017-02-21

    The cost of duration moral hazard in workplace accident insurance has been amply explored by North-American scholars. 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 posits a methodological proposal using the econometric technique of stochastic frontiers, which allows us to break down the duration of work-related leave into what we term "economic days" and "medical days". Our calculations indicate that during the 9-year period spanning 2005-2013, the cost of sick leave amongst full-time salaried workers amounted to 6920 million Euros (in constant 2011 Euros). Of this total, and bearing in mind that "economic days" are those attributable to duration moral hazard, over 3000 million Euros might be linked to workplace absenteeism. It is on this figure where economic policy measures might prove more effective.

  9. 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.

  10. 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。

  11. The Improvement of Medical Accident Insurance in China%试论我国手术意外保险的完善

    Institute of Scientific and Technical Information of China (English)

    袁江帆; 陈伟; 陈秀丽; 刘诗卉; 张鹏; 刘红雷

    2013-01-01

    在医疗实践中,相当比例的医疗损害纠纷不是由于医疗机构存在医疗过错或者过失导致。患者在遭受非医疗过失导致的医疗损害后,如果医院方无过错,而要患者自行承担风险,为患者不能接受。本研究从我国建立手术意外保险制度的可能性进行分析,一方面,能达到一般保险制度对风险、事故所致损失进行补偿的目的;另一方面,通过推行手术意外险,全方位提高全社会人员的医疗意外风险意识,从而从根本上极大程度的转移医疗风险和医疗执业风险。%In medical practice , lots of medical tangles are not attributed to the medical errors or malprac-tices.However, the patient refused to accept the medical risk by himself even there were no malpractice for hospi-tal.In the paper the possibilities were analyzed to operate accident insurance in China , with which we can not only get compensation for medical accident or risk , but also raise the people's awareness of medical accident .

  12. Risk-Based Pricing and Risk-Reducing Effort: Does the Private Insurance Market Reduce Environmental Accidents?

    OpenAIRE

    Haitao Yin; Howard Kunreuther; Matthew White

    2009-01-01

    This paper examines whether risk-based pricing promotes risk-reducing effort. Such mechanisms are common in private insurance markets, but are rarely incorporated in government assurance programs. We analyze accidental underground fuel tank leaks--a source of environmental damage to water supplies--over a fourteen-year period, using disaggregate (facility-level) data and policy variation in financing the cleanup of tank leaks over time. The data suggest that eliminating a state-level governme...

  13. 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。

  14. 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.)

  15. 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...

  16. 甘肃省新型农村合作医疗引入商业保险建立意外伤害保险的探析%Analysis on the Establishing Accident Insurance by Introducing Commercial Insurance into New Rural Cooperative Medical System in Gansu

    Institute of Scientific and Technical Information of China (English)

    方明旺; 贾晓灿; 常煜博; 田园; 白云明; 孙长青

    2014-01-01

    目的:探讨在西部经济欠发达农村地区,将商业保险引入新型农村合作医疗建立意外伤害保险的必要性、可行性和可能产生的社会意义。方法:对新型农村合作医疗意外伤害保险项目基线调查数据及4个试点县报表资料进行对比和综合分析。结果:试点地区共为1332785名参合农民整体投保,从新型农村合作医疗基金中支付意外伤害保费1066.08万元,截至2012年11月,4个试点县区共受理意外伤害案件3518件,已理赔案件1976件,赔付金额1564.42万元,大大减轻了遭受意外伤害家庭的负担。结论:通过引入商业保险机制,建立新型农村合作医疗意外伤害保险,是当前在西部欠发达农村地区实现意外伤害保障的最佳选择。%Objective: To discuss the necessity, feasibility and the possible social significance of establishing accident insurance system by introducing commercial insurance pattern into new rural cooperative medical system ( NCMS ) in the western underdeveloped rural areas. Methods: The baseline survey data of the accident insurance system and the data report of the four pilots in Gansu are compared and analyzed. Results: The pilot areas pay the whole insurance for a total 0f 1 332 785 enrollees and 10 660 800 yuan for the accidental injury insurance premium. The four pilot countries have received 3 518 accidental cases up to the November of 2012, 1 976 cases have been solved, and the compensation expense are 15.6 442 million yuan, which greatly reduced the heavy burdens of these families. Conclusion: The best choice to achieve the accidental injury protection in the western underdeveloped rural areas is establishing an accident insurance system by introducing commercial insurance pattern into NCMS.

  17. 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.

  18. Occupational accidents aboard merchant ships

    DEFF Research Database (Denmark)

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

    2002-01-01

    Objectives: To investigate the frequency, circumstances, and causes of occupational accidents aboard merchant ships in international trade, and to identify risk factors for the occurrence of occupational accidents as well as dangerous working situations where possible preventive measures may...... be initiated. Methods: The study is a historical follow up on occupational accidents among crew aboard Danish merchant ships in the period 1993–7. Data were extracted from the Danish Maritime Authority and insurance data. Exact data on time at risk were available. Results: A total of 1993 accidents were...... 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. 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。

  20. 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."

  1. 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)....

  2. 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。

  3. [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.

  4. 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

  5. [Accidents in travellers - the hidden epidemic].

    Science.gov (United States)

    Walz, Alexander; Hatz, Christoph

    2013-06-01

    The risk of malaria and other communicable diseases is well addressed in pre-travel advice. Accidents are usually less discussed. Thus, we aimed at assessing accident figures for the Swiss population, based on data of the register from 2004 to 2008 of the largest Swiss accident insurance organization (SUVA). More than 139'000 accidents over 5 years showed that 65 % of the accidents overseas are injuries, and 24 % are caused by poisoning or harm by cold, heat or air pressure. Most accidents happened during leisure activities or sports. More than one third of the non-lethal and more than 50 % of the fatal accidents happened in Asia. More than three-quarters of non-lethal accidents take place in people between 25 and 54 years. One out of 74 insured persons has an accident abroad per year. Despite of many analysis short-comings of the data set with regard to overseas travel, the figures document the underestimated burden of disease caused by accidents abroad and should affect the given pre-health advice.

  6. 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.

  7. Monopoly Insurance and Endogenous Information

    DEFF Research Database (Denmark)

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2017-01-01

    We study a monopoly insurance model with endogenous information acquisi- tion. Through a continuous effort choice, consumers can determine the precision of a privately observed signal that is informative about their accident risk. The equilibrium effort is, depending on parameter values, either...... zero (implying symmetric information) or positive (implying privately informed consumers). Regardless of the nature of the equilibrium, all offered contracts, also at the top, involve underinsurance, which discourages information gathering. We identify a missorting effect that explains why the insurer...... wants to discourage information acquisition. Moreover, lower information gathering costs can hurt both consumer and insurer....

  8. 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.

  9. 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......). The analysis of (public) insurance has however remained marginal in political theory because insurance is often perceived as a simple tool for pursuing equality, i.e. a tool without any moral significance proper. This text proposes an alternative view by drawing a continuum between insurance as a technology......, which is the common interpretation in economics, and insurance as a social practice, which characterizes social theory. The goal is to underline how the technology of insurance alters social practices by, for instance, promoting equal standing or transforming the paradigm of individual responsibility...

  10. 26 CFR 1.803-1 - Life insurance reserves.

    Science.gov (United States)

    2010-04-01

    ... liability is computed, life, health, or accident contingencies. (d) In any case where reserves are claimed... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Life insurance reserves. 1.803-1 Section 1.803-1...) INCOME TAXES Life Insurance Companies § 1.803-1 Life insurance reserves. (a) The term “life...

  11. 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

  12. Health Insurance

    Science.gov (United States)

    Health insurance helps protect you from high medical care costs. It is a contract between you and ... Many people in the United States get a health insurance policy through their employers. In most cases, ...

  13. Probabilistic Insurance

    NARCIS (Netherlands)

    P.P. Wakker (Peter); R.H. Thaler (Richard); A. Tversky (Amos)

    1997-01-01

    textabstractProbabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in the premium to compensate for a 1% default risk. While these pref

  14. 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...

  15. 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.

  16. The relationship between alcohol and traffic accidents an actuarial analysis.

    NARCIS (Netherlands)

    Nelker, G.

    1970-01-01

    This analysis deals with the accident chances of the excessive drinkers, moderate drinkers and non-drinkers. The Swedish motor insurance results for total abstainers are compared to the average policyholders.

  17. 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。

  18. 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

  19. 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

  20. 26 CFR 1.801-4 - Life insurance reserves.

    Science.gov (United States)

    2010-04-01

    ... which the reserve is computed, life, health, or accident contingencies; and (3) Which, except as... respect to which the reserve is deposited or maintained, life, health, or accident contingencies. The rate... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Life insurance reserves. 1.801-4 Section...

  1. 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…

  2. Facilitating Consumer Learning in Insurance Markets

    DEFF Research Database (Denmark)

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2017-01-01

    We model a monopoly insurance market where consumers can learn their accident risks at a cost c. We then ask: What are the welfare effects of a policy that reduces c? If c is sufficiently small (c insurer...... and consumer benefit from a policy that reduces c further. For c > c*, marginally reducing c hurts the insurer and weakly benefits the consumer. Finally, a reduction in c that is “successful,” meaning that the consumer gathers information after the reduction but not before it, can hurt both parties....

  3. 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...

  4. 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....

  5. 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...

  6. 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...

  7. 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....

  8. 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....

  9. 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...

  10. 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....

  11. 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....

  12. 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....

  13. 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....

  14. 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....

  15. 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...

  16. 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...

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

    OpenAIRE

    Mehran Amiri; Abdollah Ardeshir; Mohammad Hossein Fazel Zarandi

    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 d...

  18. Rate of occupational accidents in the mining industry since 1950--a successful approach to prevention policy.

    Science.gov (United States)

    Breuer, Joachim; Höffer, Eva-Marie; Hummitzsch, Walter

    2002-01-01

    This paper deals with the decrease in the rate of accident insurance claims in the German mining industry over the last five decades. It intends to show that this process is above all the result of a prevention policy where companies and the body responsible for the legal accident insurance in the mining industry, the Bergbau-Berufsgenossenschaft (BBG), work hand in hand. A system like the German accident insurance scheme, combining prevention, rehabilitation, and compensation, enables successful and modern safety and health measures.

  19. Self-reported accidents

    DEFF Research Database (Denmark)

    Møller, Katrine Meltofte; Andersen, Camilla Sloth

    2016-01-01

    The main idea behind the self-reporting of accidents is to ask people about their traffic accidents and gain knowledge on these accidents without relying on the official records kept by police and/or hospitals.......The main idea behind the self-reporting of accidents is to ask people about their traffic accidents and gain knowledge on these accidents without relying on the official records kept by police and/or hospitals....

  20. 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.

  1. [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.

  2. Study of the Impacts of Mileage on Vehicle Insurance Net Premiums --From the Perspective of the Impacts of Mileage on Accident Losses%行驶里程数对车险净保费的影响研究——基于公路里程对交通事故损失的影响视角

    Institute of Scientific and Technical Information of China (English)

    张连增; 段白鸽

    2012-01-01

    Since there is no mileage statistics in the database of almost all domestic property insurance companies currently, the paper proposed to study the impact of driving mileages on net premiums of vehicle insurance. The pa- per made use of the data of 31 provinces, municipalities and autonomous regions in China from 2000 to 2009 and conducted an empirical analysis to study the long-term stable equilibrium between the accident losses and highway mileages by using the panel unit root test and co-integration test of econometric methods. The result showed that there was a significant positive correlation between the accident losses and highway mileages. The practical value of this study was that the stable relationship could be regarded as a valid reference of the relationship between net pre- miums of vehicle insurance and driving mileages. Moreover, the paper proposed three feasible programs to consider the relationship between net premiums of vehicle insurance and driving mileages. The results of the paper had im- portant theoretical significance and practical value for driving mileages to be introduced into the GLM pricing system in China's vehicle insurance, and providing a reference for solving the transportation, energy and environmental problems in China.%目前国内几乎所有财险公司的数据库中还没有行驶里程数的统计数据。文章首次研究了行驶里程数对车险净保费的影响,即利用我国2000年~2009年31个省、市、自治区10年的面板数据单位根检验、协整检验等计量经济学方法来研究交通事故损失额与公路里程数之间长期稳定的均衡关系,得出事故损失额与公路里程数之间存在显著正相关关系。本研究的应用价值在于,该相关关系可以作为车险净保费与行驶里程数之间关系的有效参考,并提出了考虑车险净保费与行驶里程数之间关系的三种可行方案。这些研究为将行驶里程数这一影响因素纳入

  3. 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

  4. 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...

  5. 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.

  6. 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.

  7. New procedure for declaring accidents resulting in bodily injuries

    CERN Multimedia

    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 ...

  8. Federal Deposit Insurance Corporation (FDIC) Insured Banks

    Data.gov (United States)

    Department of Homeland Security — The Summary of Deposits (SOD) is the annual survey of branch office deposits for all FDIC-insured institutions including insured U.S. branches of foreign banks. Data...

  9. An Equilibrium Model of Catastrophe Insurance Futures and Spreads

    OpenAIRE

    Knut Aase

    1999-01-01

    This article presents a valuation model of futures contracts and derivatives on such contracts, when the underlying delivery value is an insurance index, which follows a stochastic process containing jumps of random claim sizes at random time points of accident occurrence. Applications are made on insurance futures and spreads, a relatively new class of instruments for risk management launched by the Chicago Board of Trade in 1993, anticipated to start in Europe and perhaps also in other part...

  10. Health Insurance for Government Employees in Bangladesh: A Concept Paper

    OpenAIRE

    Hamid, Syed Abdul

    2014-01-01

    Introducing compulsory health insurance for government employees bears immense importance for stepping towards universal healthcare coverage in Bangladesh. Lack of scientific study on designing such scheme, in the Bangladesh context, motivates this paper. The study aims at designing a comprehensive insurance package simultaneously covering health, life and accident related disability risks of the public employees, where the health component would extend to all dependent family members. ...

  11. [Return to work after occupational accidents and occupational diseases].

    Science.gov (United States)

    Mehrhoff, F

    1997-05-01

    The key formula "by all suitable means" is a structural support for successful occupational reintegration. In this respect, the special system of accident insurance administered primarily through the "Berufsgenossenschaften" (BG), differs from the other branches of social security. This system's roots in civil law do not allow any comparison with the principle of public law insurance underlying the other branches of social security in Germany. Under the statutory accident insurance scheme, the employer, i.e., the liable party within the employment relationship, has to compensate any health damage incurred by an employee, subject to the principles of compensation for damages under civil law, in a manner enabling the employee to return to his position in worklife and in society as unscathed as possible. From this general mandate by the legislator, the social partners involved within the self-management of the BGs draw their strength and their dynamics in arranging for organizational methods within the-administrative offices and in cooperation with the health care providers. This control of rehabilitation, i.e., the accident insurance system's share of the responsibility for successful rehabilitation, contributes a great deal to reentergrating insured persons into work and career, returns valuable workers to the employers, thus having a favourable effect for the gross national product of a society, and last but not least provides a support for the social state.

  12. 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.

  13. 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.

  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. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. Young moped riders : reducing high risks and high insurance premiums.

    NARCIS (Netherlands)

    Wegman, F.C.M.

    1992-01-01

    The paper examines the reported fall in fatal accidents for moped riders in The Netherlands, and also describes developments with respect to the ownership and use of mopeds. An analysis considers the safety problems of moped riders and suggests how insurance companies might help overcome the safety

  6. 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

  7. 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.

  8. [Accidents with the "paraglider"].

    Science.gov (United States)

    Lang, T H; Dengg, C; Gabl, M

    1988-09-01

    With a collective of 46 patients we show the details and kinds of accidents caused by paragliding. The base for the casuistry of the accidents was a questionnaire which was answered by most of the injured persons. These were questions about the theoretical and practical training, the course of the flight during the different phases, and the subjective point of view of the course of the accident. The patterns of the injuries showed a high incidence of injuries of the spinal column and high risks for the ankles. At the end, we give some advice how to prevent these accidents.

  9. 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

  10. 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.

  11. 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

  12. 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.

  13. 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

  14. 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…

  15. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    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...... 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...

  16. 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.

  17. 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.

  18. 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

  19. 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.

  20. 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...

  1. Accident resistant transport container

    Science.gov (United States)

    Andersen, John A.; Cole, James K.

    1980-01-01

    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. Accidents with sulfuric acid

    OpenAIRE

    Rajković Miloš B.

    2006-01-01

    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 eigh...

  3. 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...

  4. Nonlife Insurance Pricing:

    Science.gov (United States)

    Darooneh, Amir H.

    We consider the insurance company as a physical system which is immersed in its environment (the financial market). The insurer company interacts with the market by exchanging the money through the payments for loss claims and receiving the premium. Here, in the equilibrium state, we obtain the premium by using the canonical ensemble theory, and compare it with the Esscher principle, the well-known formula in actuary for premium calculation. We simulate the case of car insurance for quantitative comparison.

  5. 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).

  6. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    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...

  7. 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...... analyzed. Approximately 74 percent of uninsured Americans are nonelderly Americans. Among the nonelderly Americans, about 17 percent are uninsured. Our findings show that insurance status varies significantly by region, age, race, gender, marital status, income, education, employment status, and health...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....

  8. Benzodiazepine-Like Hypnotics and the Associated Risk of Road Traffic Accidents

    OpenAIRE

    2011-01-01

    The aim of the study was to investigate the association between the use of benzodiazepine or benzodiazepine-like hypnotics and the risk of road traffic accidents. Data from three French national databases were matched: the health-care insurance database, police reports, and the police database of injury-related traffic accidents. A total of 72,685 drivers involved in injury-related road traffic accidents in France, from 2005 to 2008, were included in the study. The risk of being responsible f...

  9. [Psychological sequelae of accidents. A problem in accident and liability insurance].

    Science.gov (United States)

    Rehfeldt, M; Sittaro, N A; Wehking, E

    2001-03-01

    Active and successful management predominantly depends on good and trustful cooperation between the claims manager, the field representatives of the administration and the injured or damaged person. Only the early assessment and prompt and purposeful claims handling can minimize the risk of an unexpected claims development. In the early stage, particularly probands with acute psychological maldevelopment can still be helped effectively. The introduction of an adequate therapy is beneficial to the afflicted person and at the same time lowers the final developing costs. As early as in 1918, Horn stated that the early occupational reintegration, apart from granting compensation, positively affects the process of the psychological disturbance. In general, no substantial restriction on the quality of life occurs if the injuries of a physical and mental type have been treated successfully and if occupational reintegration has taken place. However, if a continuous performance loss remains in occupational life due to a chronic psychological disturbance and if the damaged person does not achieve his/her ability to work again, even the contribution of high compensation payments does generally not improve the quality of life.

  10. Layoffs and Unemployment Insurance.

    Science.gov (United States)

    1979-02-01

    34 American Economic Review , December 1976, p. 754. Daniel S. Hamermesh: "Unemployment Insurance and Labor Supply," Mimeo 1978. No attempt is made in this...Unemployment Insurance on Temporary Layoff Unemployment," American Economic Review , December 1978, p. 834. Terry Halpin: "The Effect of Unemployment

  11. 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.

  12. 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 “...

  13. Designing an Health Insurance Scheme for Government Employees in Bangladesh: A Concept Paper

    OpenAIRE

    Hamid, Syed Abdul

    2014-01-01

    Introducing compulsory health insurance for government employees bears immense importance for stepping towards universal healthcare coverage in Bangladesh. Lack of scientific study on designing such scheme, in the Bangladesh context, motivates this paper. The study aims at designing a comprehensive insurance package simultaneously covering health, life and accident related disability risks of the public employees, where the health component would extend to all dependent family members. ...

  14. 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.

  15. 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.

  16. THEORETICAL ANALYSIS OF THE CONCEPT OF INSURANCE PORTFOLIO OF INSURER

    OpenAIRE

    Kondratenko, D.

    2014-01-01

    The article is devoted to the analysis of the different interpretations of the concept of "portfolio insurance". The examples of the essence understanding of the “portfolio insurance'' concept from the different scholars point of view was examined from the perspective of the aggregate insurance risks and the number of contracts or assets incepted for the insurance. The functions and principles of the insurance portfoli were designated. It has been established that the current legislation does...

  17. Chernobyl accident and its consequences

    Energy Technology Data Exchange (ETDEWEB)

    Gittus, J.H.

    1987-06-01

    The paper concerns the Chernobyl reactor accident, with emphasis on the design of the RBMK reactor and nuclear safety. A description is given of the Chernobyl nuclear power plant, including details of the RMBK reactor and safety systems. Comments on the design of the RBMK by UK experts prior to the accident are summarized, along with post-accident design changes to improve RBMK safety. Events of the Chernobyl accident are described, as well as design deficiencies highlighted by the accident. Differences between the USSR and UK approaches to nuclear safety are commented on. Finally source terms, release periods and environmental consequences are briefly discussed.

  18. 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...

  19. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    Using interviews with 74 drivers, we elicit and analyse how people think about collision coverage and, more generally, about insurance decisions. We compare the judgments and behaviours of these decision makers to the predictions of a range of theoretical models: (a) A model developed by Lee (2007......), 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...

  20. 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...

  1. Group life insurance

    CERN Multimedia

    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)

  2. 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.

  3. [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.

  4. 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...

  5. RENEB accident simulation exercise

    OpenAIRE

    Brzozowska, Beata; Ainsbury, Elizabeth; Baert, Annelot; Beaton-Green, Lindsay; Barrios, Leonardo; Barquinero, Joan Francesc; Bassinet, Celine; Beinke, Christina; Benedek, Anett; Beukes, Philip; Bortolin, Emanuela; Buraczewska, Iwona; Burbidge, Christopher; De Amicis, Andrea; De Angelis, Cinzia

    2017-01-01

    Purpose: The RENEB accident exercise was carried out in order to train the RENEB participants in coordinating and managing potentially large data sets that would be generated in case of a major radiological event. Materials and methods: Each participant was offered the possibility to activate the network by sending an alerting email about a simulated radiation emergency. The same participant had to collect, compile and report capacity, triage categorization and exposure scenario results ob...

  6. [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.

  7. Satisfaction of staff of Swiss insurance companies with medical appraisals: a cross sectional study

    Directory of Open Access Journals (Sweden)

    Gyr Niklaus

    2011-03-01

    Full Text Available Abstract Background A high quality of timely delivered medical appraisals is crucial for social and other insurances to judge possible occupational reintegration measures for patients with medical conditions who are in danger to lose their job. However, little is known about the satisfaction of staff of insurance companies with medical appraisals that they have commissioned. Our questionnaire survey prospectively included all medical appraisals arriving at Swiss insurances from FEB to APR 2008. We assessed the satisfaction of the commissioner with medical appraisals performed by medical assessors. In addition, we evaluated the contribution of several factors to overall satisfaction. The unit of sample was the medical appraisal. Findings We analysed 3165 medical appraisals, 2444 (77% of them from the public disability insurance, 678 (22% from private accident, liability and loss of income insurances and 43 (1% from other insurances. Overall satisfaction of staff of insurance companies in Switzerland was high, but satisfaction of the disability insurance with appraisals was generally lower compared to satisfaction of private insurances. The staff of the disability insurance judged time for preparation as too long in 30%. For staff of private insurance companies 20% of appraisals were not "worth its price". Well-grounded and comprehensible conclusions were the single most important factor for high overall satisfaction (OR 10.1; 95%-CI: 1.1-89.3. Conclusions From the viewpoint of staff of insurance companies, a relevant part of medical appraisals arrives too late. Medical assessors have to take the specific needs of insurances into account, to perform more appraisals with sound conclusions in due time.

  8. 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 services. 28.440 Section 28.440 Money and Finance: Treasury Office of the Secretary of the Treasury... benefits and services. Subject to § 28.235(d), in providing a medical, hospital, accident, or...

  9. 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.

  10. 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.

  11. 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.

  12. [Chernobyl nuclear power plant accident and Tokaimura criticality accident].

    Science.gov (United States)

    Takada, Jun

    2012-03-01

    It is clear from inspection of historical incidents that the scale of disasters in a nuclear power plant accident is quite low level overwhelmingly compared with a nuclear explosion in nuclear war. Two cities of Hiroshima and Nagasaki were destroyed by nuclear blast with about 20 kt TNT equivalent and then approximately 100,000 people have died respectively. On the other hand, the number of acute death is 30 in the Chernobyl nuclear reactor accident. In this chapter, we review health hazards and doses in two historical nuclear incidents of Chernobyl and Tokaimura criticality accident and then understand the feature of the radiation accident in peaceful utilization of nuclear power.

  13. 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...

  14. Group Life Insurance

    CERN Multimedia

    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 &...

  15. 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.

  16. Review of global menace of road accidents with special reference to malaysia- a social perspective.

    Science.gov (United States)

    Kareem, Abdul

    2003-07-01

    Road accident is 'a global tragedy' with ever-rising trend. The goal of this article includes review of the causes and nature of accidents, statistical data regarding road accidents and the economical impact. 1.17 million deaths occur each year worldwide due to road accidents 70 % of which occur in developing countries. 65% of deaths involve pedestrians, 35 % of which are children. Estimates suggest that 23-34 million people are injured worldwide every year in road crashes - a value almost twice that previously estimated. It is estimated that more than 200 U.S. citizens die each year due to road accidents abroad. Every year in Europe, more than 50,000 peoples are killed in road accidents, and more than 150,000 remain disabled. It is a sad fact that the total number of road accidents in Malaysia exceeded 223,000 in 1999. On the average, 16 persons died from these road accidents, every single day in 1999. Lack of attention, reckless driving, lack of proper protection, speeding, bad personal habits, social and behavioral misconduct and inconsiderate drivers of larger vehicles are some of the problems that cause accidents. In Malaysia, motorcycle fatal accidents (60%) warrant a high degree of concern. Young children and senior citizens are found to be in the vulnerable age group. In Malaysia, in 1999 alone, general insurers paid RM1.67 billion or an average of RM4.6 million a day on motor claims. It is now recognized that road traffic accidents represent a major public health problem, because of the high number of victims involved and because of the seriousness of the consequences for themselves and for their families.

  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. Estimating cost ratio distribution between fatal and non-fatal road accidents in Malaysia

    Science.gov (United States)

    Hamdan, Nurhidayah; Daud, Noorizam

    2014-07-01

    Road traffic crashes are a global major problem, and should be treated as a shared responsibility. In Malaysia, road accident tragedies kill 6,917 people and injure or disable 17,522 people in year 2012, and government spent about RM9.3 billion in 2009 which cost the nation approximately 1 to 2 percent loss of gross domestic product (GDP) reported annually. The current cost ratio for fatal and non-fatal accident used by Ministry of Works Malaysia simply based on arbitrary value of 6:4 or equivalent 1.5:1 depends on the fact that there are six factors involved in the calculation accident cost for fatal accident while four factors for non-fatal accident. The simple indication used by the authority to calculate the cost ratio is doubted since there is lack of mathematical and conceptual evidence to explain how this ratio is determined. The main aim of this study is to determine the new accident cost ratio for fatal and non-fatal accident in Malaysia based on quantitative statistical approach. The cost ratio distributions will be estimated based on Weibull distribution. Due to the unavailability of official accident cost data, insurance claim data both for fatal and non-fatal accident have been used as proxy information for the actual accident cost. There are two types of parameter estimates used in this study, which are maximum likelihood (MLE) and robust estimation. The findings of this study reveal that accident cost ratio for fatal and non-fatal claim when using MLE is 1.33, while, for robust estimates, the cost ratio is slightly higher which is 1.51. This study will help the authority to determine a more accurate cost ratio between fatal and non-fatal accident as compared to the official ratio set by the government, since cost ratio is an important element to be used as a weightage in modeling road accident related data. Therefore, this study provides some guidance tips to revise the insurance claim set by the Malaysia road authority, hence the appropriate method

  19. 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.

  20. 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.

  1. 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.…

  2. Learning from incidents and accidents

    NARCIS (Netherlands)

    Drupsteen, L.; Kampen, J. van

    2014-01-01

    There are many different definitions for what constitutes an incident or an accident, however the focus is always on unintended and often unforeseen events that cause unintended consequences. This article is focused on the process of learning from incidents and accidents. The focus is on making sure

  3. [Practical management of CPB accident].

    Science.gov (United States)

    Depoix, J-P; Fenet, L; Provenchere, S

    2012-05-01

    Accident of CPB is a reality. It is important to be prepared for discussion with the family, with the hospital administration, eventually with the justice. But we have also to support perfusionnist and anesthetic team in charge of the patient during accident.

  4. 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 ...

  5. Retirement with Perfect Insurance

    NARCIS (Netherlands)

    G.J. Kula (Grzegorz)

    2003-01-01

    textabstractThis paper focuses on the relation between worker's productivity and retirement decision. Assuming that productivity follows geometric Brownian motion with drift, there exists such a level of productivity for which it is optimal to retire. The worker buys an insurance, which gives a cons

  6. 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.

  7. 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.

  8. Voluntary Public Unemployment Insurance

    DEFF Research Database (Denmark)

    O. Parsons, Donald; Tranæs, Torben; Bie Lilleør, Helene

    Denmark has drawn much attention for its active labor market policies, but is almost unique in offering a voluntary public unemployment insurance program requiring a significant premium payment. A safety net program – a less generous, means-tested social assistance plan – completes the system...

  9. Industrial accidents triggered by lightning.

    Science.gov (United States)

    Renni, Elisabetta; Krausmann, Elisabeth; Cozzani, Valerio

    2010-12-15

    Natural disasters can cause major accidents in chemical facilities where they can lead to the release of hazardous materials which in turn can result in fires, explosions or toxic dispersion. Lightning strikes are the most frequent cause of major accidents triggered by natural events. In order to contribute towards the development of a quantitative approach for assessing lightning risk at industrial facilities, lightning-triggered accident case histories were retrieved from the major industrial accident databases and analysed to extract information on types of vulnerable equipment, failure dynamics and damage states, as well as on the final consequences of the event. The most vulnerable category of equipment is storage tanks. Lightning damage is incurred by immediate ignition, electrical and electronic systems failure or structural damage with subsequent release. Toxic releases and tank fires tend to be the most common scenarios associated with lightning strikes. Oil, diesel and gasoline are the substances most frequently released during lightning-triggered Natech accidents.

  10. 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...... of accidents in normally Danish winter seasons are remarkable alike the amount of salt used in praxis in the winter 2011/2012. • 2.7 ton NaCl/km when using brine spread with nozzles • 5 ton NaCl/km when using pre wetted salt. • 5.7 ton NaCl/km when using kombi spreaders The explanation is that spreading...

  11. Typologie des Accidents Cyclistes

    OpenAIRE

    Amoros, Emmanuelle; BILLOT-GRASSET, Alice; Hours, Martine

    2015-01-01

    L'usage du vélo est en hausse en ville ; cette pratique est encouragée dans le cadre du développement durable et de la lutte contre la sédentarité. Pour accompagner cela, il faut réduire les risques d'accident, et pour ce faire, mieux les connaître. Nous utilisons le Registre des victimes de la circulation routière du Rhône, basé sur les services hospitaliers (dont les urgences) ; il est quasi-exhaustif : env. 1100 blessés à vélo/an versus 120 dans les données officielles. L'ensemble des cycl...

  12. Health Insurance without Single Crossing

    DEFF Research Database (Denmark)

    Boone, Jan; Schottmüller, Christoph

    2017-01-01

    Standard insurance models predict that people with high risks have high insurance coverage. It is empirically documented that people with high income have lower health risks and are better insured. We show that income differences between risk types lead to a violation of single crossing...... in an insurance model where people choose treatment intensity. We analyse different market structures and show the following: If insurers have market power, the violation of single crossing caused by income differences and endogenous treatment choice can explain the empirically observed outcome. Our results do...

  13. 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

  14. 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.

  15. Insurance and prevention: ethical aspects.

    Science.gov (United States)

    Dubois, Mikael

    2011-02-01

    In recent decades, prevention policies--i.e., insurance policies constructed to give incentives to investments in prevention and thereby reduce reliance on insurance--have been much discussed both with regard to different kinds of market insurance and, albeit primarily within a European context and in relation to an ongoing discussion about the need for a shift towards an "active" welfare state, with regard to social insurance. The present contribution identifies normative issues that deserve attention in relation to a general introduction of prevention policies in market insurance and social insurance. It is argued that the importance of these normative issues suggests that arguments and distinctions drawn from moral and political philosophy should play a more prominent role both in the debate on the shift towards an active welfare state and the use of prevention policies in market insurance.

  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. 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 insurer and consumer benefit from a policy that reduces c further. For c > c, marginally reducing c hurts...... the insurer and weakly benefits the consumer. Paradoxically, a reduction in c that is "successful," meaning that the consumer gathers information after the reduction but not before it, can hurt both parties. The reasons for this are that, after the reduction, (i) the cost is actually incurred and (ii...

  18. Chernobyl accident and its consequences

    Energy Technology Data Exchange (ETDEWEB)

    Gittus, J.H.; Bonell, P.G.; Hicks, D.

    1987-01-01

    The USSR power reactor programme is first described. The reasons for the accident at the Chernobyl-4 RBMK nuclear reactor on 26 April 1986, the sequence of events that took place, and the immediate and long-term consequences are considered. A description of the RBMK-type reactors is given and the design changes resulting from the experience of the accident are explained. The source terms describing the details of the radioactivity release associated with the accident and the environmental consequences are covered in the last two sections of the report. Throughout the text comments referring to the UK Nuclear Installations Inspectorate Safety assessment principles have been inserted. (U.K.).

  19. Insuring wind energy production

    Science.gov (United States)

    D'Amico, Guglielmo; Petroni, Filippo; Prattico, Flavio

    2017-02-01

    This paper presents an insurance contract that the supplier of wind energy may subscribe in order to immunize the production of electricity against the volatility of the wind speed process. The other party of the contract may be any dispatchable energy producer, like gas turbine or hydroelectric generator, which can supply the required energy in case of little or no wind. The adoption of a stochastic wind speed model allows the computation of the fair premium that the wind power supplier has to pay in order to hedge the risk of inadequate output of electricity at any time. Recursive type equations are obtained for the prospective mathematical reserves of the insurance contract and for their higher order moments. The model and the validity of the results are illustrated through a numerical example.

  20. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

    Portfolio insurance, as practiced in 1987, consisted of trading between an underlying stock portfolio and cash, using option theory to place a floor on the value of the position, as if it included a protective put. Constant Proportion Portfolio Insurance (CPPI) is an option-free variation...... 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....... Frequent rebalancing limits how badly the position can go off track, but costs more than infrequent rebalancing. Gap risk resulting from a down jump that penetrates the floor adds another hard-to-manage risk. In this article, Jessen comparescommon hedging strategies for CPPI and explores how well each does...

  1. Insurance with frequent trading

    OpenAIRE

    José Penalva

    1997-01-01

    This paper looks at the dynamic management of risk in an economy with discrete time consumption and endowments and continuous trading. I study how agents in such an economy deal with all the risk in the economy and attain their Pareto optimal allocations by trading in a few natural securities: private insurance contracts and a common set of derivatives on the aggregate endowment. The parsimonious nature of the implied securities needed for Pareto optimality suggests that in such contexts comp...

  2. 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.

  3. 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 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....

  4. [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

  5. 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...

  6. 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.

  7. Paragliding accidents in remote areas.

    Science.gov (United States)

    Fasching, G; Schippinger, G; Pretscher, R

    1997-08-01

    Paragliding is an increasingly popular hobby, as people try to find new and more adventurous activities. However, there is an increased and inherent danger with this sport. For this reason, as well as the inexperience of many operators, injuries occur frequently. This retrospective study centers on the helicopter rescue of 70 individuals in paragliding accidents. All histories were examined, and 43 patients answered a questionnaire. Nineteen (42%) pilots were injured when taking off, 20 (44%) during the flight, and six (13%) when landing. Routine and experience did not affect the prevalence of accident. Analysis of the causes of accident revealed pilot errors in all but three cases. In 34 rescue operations a landing of the helicopter near the site of the accident was possible. Half of the patients had to be rescued by a cable winch or a long rope fixed to the helicopter. Seven (10%) of the pilots suffered multiple trauma, 38 (54%) had injuries of the lower extremities, and 32 (84%) of them sustained fractures. Injuries to the spine were diagnosed in 34 cases with a fracture rate of 85%. One patient had an incomplete paraplegia. Injuries to the head occurred in 17 patients. No paraglider pilot died. The average hospitalization was 22 days, and average time of working inability was 14 weeks. Fourteen (34%) patients suffered from a permanent damage to their nerves or joints. Forty-three percent of the paragliders continued their sport despite the accident; two of them had another accident. An improved training program is necessary to lower the incidence of paragliding accidents. Optimal equipment to reduce injuries in case of accidents is mandatory. The helicopter emergency physician must perform a careful examination, provide stabilization of airways and circulation, give analgesics, splint fractured extremities, and transport the victim on a vacuum mattress to the appropriate hospital.

  8. Autonomous Vehicles: Disengagements, Accidents and Reaction Times.

    Science.gov (United States)

    Dixit, Vinayak V; Chand, Sai; Nair, Divya J

    2016-01-01

    Autonomous vehicles are being viewed with scepticism in their ability to improve safety and the driving experience. A critical issue with automated driving at this stage of its development is that it is not yet reliable and safe. When automated driving fails, or is limited, the autonomous mode disengages and the drivers are expected to resume manual driving. For this transition to occur safely, it is imperative that drivers react in an appropriate and timely manner. Recent data released from the California trials provide compelling insights into the current factors influencing disengagements of autonomous mode. Here we show that the number of accidents observed has a significantly high correlation with the autonomous miles travelled. The reaction times to take control of the vehicle in the event of a disengagement was found to have a stable distribution across different companies at 0.83 seconds on average. However, there were differences observed in reaction times based on the type of disengagements, type of roadway and autonomous miles travelled. Lack of trust caused by the exposure to automated disengagements was found to increase the likelihood to take control of the vehicle manually. Further, with increased vehicle miles travelled the reaction times were found to increase, which suggests an increased level of trust with more vehicle miles travelled. We believe that this research would provide insurers, planners, traffic management officials and engineers fundamental insights into trust and reaction times that would help them design and engineer their systems.

  9. 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.

  10. 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.

  11. Severe accident analysis using dynamic accident progression event trees

    Science.gov (United States)

    Hakobyan, Aram P.

    In present, the development and analysis of Accident Progression Event Trees (APETs) are performed in a manner that is computationally time consuming, difficult to reproduce and also can be phenomenologically inconsistent. One of the principal deficiencies lies in the static nature of conventional APETs. In the conventional event tree techniques, the sequence of events is pre-determined in a fixed order based on the expert judgments. The main objective of this PhD dissertation was to develop a software tool (ADAPT) for automated APET generation using the concept of dynamic event trees. As implied by the name, in dynamic event trees the order and timing of events are determined by the progression of the accident. The tool determines the branching times from a severe accident analysis code based on user specified criteria for branching. It assigns user specified probabilities to every branch, tracks the total branch probability, and truncates branches based on the given pruning/truncation rules to avoid an unmanageable number of scenarios. The function of a dynamic APET developed includes prediction of the conditions, timing, and location of containment failure or bypass leading to the release of radioactive material, and calculation of probabilities of those failures. Thus, scenarios that can potentially lead to early containment failure or bypass, such as through accident induced failure of steam generator tubes, are of particular interest. Also, the work is focused on treatment of uncertainties in severe accident phenomena such as creep rupture of major RCS components, hydrogen burn, containment failure, timing of power recovery, etc. Although the ADAPT methodology (Analysis of Dynamic Accident Progression Trees) could be applied to any severe accident analysis code, in this dissertation the approach is demonstrated by applying it to the MELCOR code [1]. A case study is presented involving station blackout with the loss of auxiliary feedwater system for a

  12. Bankruptcy as Implicit Health Insurance

    OpenAIRE

    Neale Mahoney

    2012-01-01

    This paper examines the interaction between health insurance and the implicit insurance that people have because they can file (or threaten to file) for bankruptcy. With a simple model that captures key institutional features, I demonstrate that the financial risk from medical shocks is capped by the assets that could be seized in bankruptcy. For households with modest seizable assets, this implicit “bankruptcy insurance” can crowd out conventional health insurance. I test these predictions u...

  13. 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

  14. 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.

  15. Benzodiazepine-like hypnotics and the associated risk of road traffic accidents.

    Science.gov (United States)

    Orriols, L; Philip, P; Moore, N; Castot, A; Gadegbeku, B; Delorme, B; Mallaret, M; Lagarde, E

    2011-04-01

    The aim of the study was to investigate the association between the use of benzodiazepine or benzodiazepine-like hypnotics and the risk of road traffic accidents. Data from three French national databases were matched: the health-care insurance database, police reports, and the police database of injury-related traffic accidents. A total of 72,685 drivers involved in injury-related road traffic accidents in France, from 2005 to 2008, were included in the study. The risk of being responsible for a traffic accident was higher in users of benzodiazepine hypnotics (odds ratio (OR) = 1.39 (1.08-1.79)) and in the 155 drivers to whom a dosage of more than one pill of zolpidem a day had been dispensed during the 5 months before the collision (OR = 2.46 (1.70-3.56)). No association was found between the use of zopiclone and risk of traffic accidents. Although this study did not find any association between the use of zolpidem as recommended and causation of traffic accidents, the potential risk related to possible abuse of the drug and risky driving behaviors should be further investigated. The results related to benzodiazepine hypnotics are consistent with those of previous studies.

  16. 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

  17. [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

  18. 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

  19. Insurance Giants Join In

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    Opinions differ over the wisdom of insurance companies that have invested in the Beijing-Shanghai high-speed railway program After more than 10 years of careful ex- amination and research,construction of the Beijing-Shanghai high-speed railway will start soon.The line, which is expected to begin operation in 2010,will be built with the most advanced technology and the highest single investment in China’s railway building history. The budget for the 1,318-km track is about

  20. 78 FR 11604 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-02-19

    ... (``FDI Act'') depositor preference regime, and would therefore be on an equal footing with domestic... insured deposit. The FDI Act, 12 U.S.C. 1811, et seq., mandates the payment of deposit insurance ``as soon... the financial markets of the United States. See FDI Act section 11(f), 12 U.S.C. 1821(f). The...

  1. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... depositor has ever lost a penny of an insured deposit. The Federal Deposit Insurance Act (``FDI Act'') \\1... could affect deposits in a particular location. \\1\\ 12 U.S.C. 1811, et seq. \\2\\ See FDI Act section 11(f...(l) of the FDI Act.\\3\\ Since the establishment of the FDIC in 1933, Congress has made...

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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...

  7. 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

  8. Securitization product design for China's environmental pollution liability insurance.

    Science.gov (United States)

    Pu, Chengyi; Addai, Bismark; Pan, Xiaojun; Bo, Pangtuo

    2017-02-01

    The environmental catastrophic accidents in China over the last three decades have triggered implementation of myriad policies by the government to help abate environmental pollution in the country. Consequently, research into environmental pollution liability insurance and how that can stimulate economic growth and the development of financial market in China is worthwhile. This study attempts to design a financial derivative for China's environmental pollution liability insurance to offer strong financial support for significant compensation towards potential catastrophic environmental loss exposures, especially losses from the chemical industry. Assuming the risk-free interest rate is 4%, the market portfolio expected return is 12%; the financial asset beta coefficient is 0.5, by using the capital asset pricing model (CAPM) and cash flow analysis; the principal risk bond yields 9.4%, single-period and two-period prices are 103.85 and 111.58, respectively; the principal partial-risk bond yields 10.09%, single-period and two-period prices are 103.85 and 111.58, respectively; and the principal risk-free bond yields 8.94%, single-period and two-period prices are 107.99 and 115.83, respectively. This loss exposure transfer framework transfers the catastrophic risks of environmental pollution from the traditional insurance and reinsurance markets to the capital market. This strengthens the underwriting capacity of environmental pollution liability insurance companies, mitigates the compensation risks of insurers and reinsurers, and provides a new channel to transfer the risks of environmental pollution.

  9. Relationship between Recent Flight Experience and Pilot Error General Aviation Accidents

    Science.gov (United States)

    Nilsson, Sarah J.

    Aviation insurance agents and fixed-base operation (FBO) owners use recent flight experience, as implied by the 90-day rule, to measure pilot proficiency in physical airplane skills, and to assess the likelihood of a pilot error accident. The generally accepted premise is that more experience in a recent timeframe predicts less of a propensity for an accident, all other factors excluded. Some of these aviation industry stakeholders measure pilot proficiency solely by using time flown within the past 90, 60, or even 30 days, not accounting for extensive research showing aeronautical decision-making and situational awareness training decrease the likelihood of a pilot error accident. In an effort to reduce the pilot error accident rate, the Federal Aviation Administration (FAA) has seen the need to shift pilot training emphasis from proficiency in physical airplane skills to aeronautical decision-making and situational awareness skills. However, current pilot training standards still focus more on the former than on the latter. The relationship between pilot error accidents and recent flight experience implied by the FAA's 90-day rule has not been rigorously assessed using empirical data. The intent of this research was to relate recent flight experience, in terms of time flown in the past 90 days, to pilot error accidents. A quantitative ex post facto approach, focusing on private pilots of single-engine general aviation (GA) fixed-wing aircraft, was used to analyze National Transportation Safety Board (NTSB) accident investigation archival data. The data were analyzed using t-tests and binary logistic regression. T-tests between the mean number of hours of recent flight experience of tricycle gear pilots involved in pilot error accidents (TPE) and non-pilot error accidents (TNPE), t(202) = -.200, p = .842, and conventional gear pilots involved in pilot error accidents (CPE) and non-pilot error accidents (CNPE), t(111) = -.271, p = .787, indicate there is no

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

    Directory of Open Access Journals (Sweden)

    Mehran Amiri

    2015-04-01

    Full Text Available 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.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.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.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.

  11. 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.

  12. INSURANCE - A RISK COVERING STRATEGY

    Directory of Open Access Journals (Sweden)

    Marius Dan GAVRILETEA

    2014-12-01

    Full Text Available Insurance industry in Romania is facing for a few years a continuous decreasing in Gross Written Premium. The negative trend may be caused by the effects of financial crises for companies and also for individuals. In order to keep theirs market share, insurance companies must identify new opportunities to increase theirs’ GWP. Among these new market niches hospitality industry may represent an option to be followed. In this paper, we will analyze the types of insurance policies available for hospitality industry (except mandatory motors’ third party liability and motors’ own vehicle insurance. The conclusion represents solution both for insurance companies and for hotel as a part of theirs’ risk financing process.

  13. 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.

  14. 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.

  15. 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.

  16. 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).

  17. 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.

  18. Bathtub immersion accidents involving children.

    Science.gov (United States)

    Pearn, J; Nixon, J

    1977-02-12

    A review of 19 consecutive serious bathtub immersion accidents (11 survivals, 8 fatalities) is presented. In all instances, consciousness was lost in the water. Unlike other childhood accidents which usually show a male predominance, the sexes are equally affected. The modal age is 11 months. Six separate causes of bath drownings and near-drownings have been identified, and in 14 of the 19 accidents, two or more causes were operating concurrently. Median estimated immersion time for survivals was four minutes, and five minutes for fatalities. The median depth of water was eight inches. An 'at risk' profile for home bathtub drownings is presented; this includes the youngest or second youngest child of a large family, a family of grade 4 to 7 sociooccupational status (congalton) and a family in which routine is temporarily broken.

  19. 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.

  20. 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,...

  1. 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.

  2. 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

  3. 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.

  4. 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

  5. Corporate Cost of Occupational Accidents

    DEFF Research Database (Denmark)

    Rikhardsson, Pall M.; Impgaard, M.

    2004-01-01

    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...

  6. 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.

  7. Work Accidents and Professional Diseases

    Directory of Open Access Journals (Sweden)

    Doru Hauptmann

    2009-10-01

    Full Text Available The major accident is defined as “any event occurred, like an emission of dangerous materials or agents, which emerges from uncontrolled evolutions along the exploitation of any objective that leads to the immediate or delayed occurrence of serious dangers with impact over human health or over the environment, inside or outside the objective in which are involved one or more than one dangerous materials”.The dangerous phenomenon is a potential source of harms. In the ambit of industrial risks of accidental origins, this expression more frequently refers to physical phenomena like conflagrations, explosions, toxic gases dispersion, etc.Any accident scenario relates itself to the potential effects at the level of environmental “targets”. In the case of major accidents, we can distinguish the following categories of “targets”: human (employees of the objective, working or resident people in the nearby of the emplacement; the installation or equipments that may stay at the origin of the accidents (dangerous equipments; certain all-important equipments to ensure the safety level of the installation (critical security equipments: control rooms, civil fire brigade headquarters, etc; goods and structures situated in the installation’ environment (ground water, rivers, soil, flora, fauna.

  8. [The surgeons civil responsibility insurance].

    Science.gov (United States)

    Santovito, D

    2004-10-01

    After a short research in the field national insurances, the author analyses the professional physician insurance policy; the ambiguity and difficulty of contracts concerning the professional health activity of surgeon, whether as state employee or as independent professional are pointed put. With the introduction of the ministerial decree dated January 29,1992, the new labour agreement, the privacy law, the evolution of ''informed consent'', the esthetic injury concept, the safety regulations law and the administrative liability, surgeons must pay attention to draw up an insurance policy suitable to their profession.

  9. 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.

  10. 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....

  11. 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....

  12. 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...

  13. Barriers to learning from incidents and accidents

    NARCIS (Netherlands)

    Dechy, N.; Dien, Y.; Drupsteen, L.; Felicio, A.; Cunha, C.; Roed-Larsen, S.; Marsden, E.; Tulonen, T.; Stoop, J.; Strucic, M.; Vetere Arellano, A.L.; Vorm, J.K.J. van der; Benner, L.

    2015-01-01

    This document provides an overview of knowledge concerning barriers to learning from incidents and accidents. It focuses on learning from accident investigations, public inquiries and operational experience feedback, in industrial sectors that are exposed to major accident hazards. The document disc

  14. Unemployment Insurance and Disability Insurance in the Great Recession

    OpenAIRE

    Mueller, Andreas I.; Jesse Rothstein; Till M. von Wachter

    2013-01-01

    Disability insurance (DI) applications and awards are countercyclical. One potential explanation is that unemployed individuals who exhaust their Unemployment Insurance (UI) benefits use DI as a form of extended benefits. We exploit the haphazard pattern of UI benefit extensions in the Great Recession to identify the effect of UI exhaustion on DI application, using both aggregate data at the state-month and state-week levels and microdata on unemployed individuals in the Current Population Su...

  15. Analysing truck position data to study roundabout accident risk

    OpenAIRE

    Kamla, Jwan Jameel Shekh Mohammed

    2016-01-01

    In order to reduce accident risk, highway authorities prioritise maintenance budgets partly based upon previous accident history. However, as accident rates have continued to fall in most contexts, this approach has become problematic as accident ‘black spots’ have been treated and the number of accidents at any individual site has fallen. Another way of identifying sites of higher accident risk might be to identify near-miss accidents (where an accident nearly happened, but was avoided), whi...

  16. 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.

  17. Trouble with Your Liability Insurance? Here's Why.

    Science.gov (United States)

    AGB Reports, 1985

    1985-01-01

    The insurance industry is in trouble, which means problems for colleges and universities--especially in the area of liability insurance. Some strategies for higher education are discussed, including risk-management programs, self-insurance, catastrophic or excess insurance, and risk-management consortia. (MLW)

  18. 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....

  19. 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.

  20. 76 FR 44199 - Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions

    Science.gov (United States)

    2011-07-22

    ... Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions; Proposed Rule... OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 407 RIN 0563-AC25 Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions AGENCY: Federal Crop...

  1. 78 FR 38483 - Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions

    Science.gov (United States)

    2013-06-26

    ... Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions; Final Rule #0...; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 407 RIN 0563-AC25 Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions AGENCY: Federal...

  2. 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...

  3. 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...

  4. HUD Insured Multifamily Properties (NGDA)

    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...

  5. 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...

  6. AUDITOR''S PROFESSIONAL LIABILITY INSURANCE

    OpenAIRE

    Dorosh, N.

    2008-01-01

    This article is devoted to positive experience insurance of auditing in different countries and how it to use in Ukraine. Insurance rates have risen considerably as a result of increasing litigation in many countries, professional liability insurance is still available for all CPAs. It is essential for a CPA firm in Ukraine to have adequate insurance protection in the event of lawsuit about performing quality audit. This article is described all the particulars of a insurance's agreement.

  7. [Hanggliding accidents. Distribution of injuries and accident analysis].

    Science.gov (United States)

    Ballmer, F T; Jakob, R P

    1989-12-01

    Paragliding--a relatively new sport to Switzerland--brought 23 patients with 48 injuries (38% lower limb and 29% spinal) within a period of 8 months to the Inselspital University hospital in Berne. The aim of the study in characterizing these injuries is to formulate some guidelines towards prevention. With over 90% of accidents occurring at either take off or landing, emphasis on better training for the beginner is proposed with strict guidelines for the more experienced pilot flying in unfavourable conditions.

  8. 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.

  9. 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.

  10. 46 CFR 308.103 - Insured amounts under interim binder.

    Science.gov (United States)

    2010-10-01

    ... INSURANCE War Risk Hull and Disbursements Insurance § 308.103 Insured amounts under interim binder. (a... chapter. (b) Insurance risks. Insurance risks covered by the terms of the standard form of war risk hull... insurance additional to the war risk hull insurance provided under this subpart, and payment of claim......

  11. 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...... consumption by pillion passengers as well as by the motorcycle operator. Suggestions made to extend the data base needed for developing appropriate alcohol countermeasures by collecting sociodemographic data on drivers killed or seriously injured should be supported....

  12. Practical approaches in accident analysis

    Science.gov (United States)

    Stock, M.

    An accident analysis technique based on successive application of structural response, explosion dynamics, gas cloud formation, and plant operation failure mode models is proposed. The method takes into account the nonideal explosion characteristic of a deflagration in the unconfined cloud. The resulting pressure wave differs significantly from a shock wave and the response of structures like lamp posts and walls can differ correspondingly. This gives a more realistic insight into explosion courses than a simple TNT-equivalent approach.

  13. [Multicenter paragliding accident study 1990].

    Science.gov (United States)

    Lautenschlager, S; Karli, U; Matter, P

    1992-01-01

    During the period from 1.1.90 until 31.12.90, 86 injuries associated with paragliding were analyzed in a prospective study in 12 different Swiss hospitals with reference to causes, patterns, and frequencies. The injuries showed a mean score of over 2 and were classified as severe. Most frequent spine injuries (36%) and lesions of the lower extremity (35%) with a high risk of the ankles were diagnosed. One accident was fatal. 60% of the accidents happened during landing, 26% during launching and 14% during flight. Half of the pilots were affected during their primary training course. Most accidents were caused by inflight error of judgement--especially incorrect estimation of wind conditions--and further the choice of unfavourable landing sites. In contrast to previous injury-reports, only one equipment failure could be noted, but often the equipment was not corresponding with the experience and the weight of the pilot. To reduce the frequency of paragliding-injuries an accurate choice of equipment and an increased attention to environmental factors is mandatory. Furthermore an education-program regarding the attitude and intelligence of the pilot should be included in training courses.

  14. 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.

  15. 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.

  16. 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.

  17. 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

  18. 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.

  19. 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.

  20. 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....

  1. Risk Management and Insurance Decisions under Ambiguity

    DEFF Research Database (Denmark)

    Martínez-Correa, Jimmy

    I study the impact of ambiguity on insurance decisions and the optimality of insurance contracts. My tractable approach allows me to study the interaction between risk and ambiguity attitudes. When insurance decisions are made independently of other assets, for a given increase in wealth, both risk...... a counterexample to a classical result in insurance economics where an insurance contract with straight deductible is dominated by a coinsurance contract. Finally, I find that a modified Borch rule characterizes the optimal insurance contract with bilateral risk and ambiguity attitudes and heterogeneity in beliefs....

  2. Quantifying the risk of extreme aviation accidents

    Science.gov (United States)

    Das, Kumer Pial; Dey, Asim Kumer

    2016-12-01

    Air travel is considered a safe means of transportation. But when aviation accidents do occur they often result in fatalities. Fortunately, the most extreme accidents occur rarely. However, 2014 was the deadliest year in the past decade causing 111 plane crashes, and among them worst four crashes cause 298, 239, 162 and 116 deaths. In this study, we want to assess the risk of the catastrophic aviation accidents by studying historical aviation accidents. Applying a generalized Pareto model we predict the maximum fatalities from an aviation accident in future. The fitted model is compared with some of its competitive models. The uncertainty in the inferences are quantified using simulated aviation accident series, generated by bootstrap resampling and Monte Carlo simulations.

  3. Injuries to pedestrians in road traffic accidents.

    OpenAIRE

    Atkins, R. M.; Turner, W H; Duthie, R. B.; Wilde, B. R.

    1988-01-01

    Although there have been many reports on injuries to occupants of cars in road traffic accidents, there have been few prospective studies of injuries to pedestrians in such accidents. For this reason a two year prospective study of pedestrians in road traffic accidents in the Oxford region was carried out. The incidence of death in pedestrians was significantly higher than in car occupants or motorcyclists. The principal determinant of death was the weight of the vehicle concerned. The most c...

  4. 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.

  5. 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...

  6. [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.

  7. Recording, notification, compilation, and classification of statistics of occupational accidents and diseases: the Thai experience.

    Science.gov (United States)

    Choi, B C

    1996-11-01

    An International Labour Organization (ILO) project was conducted in July and August 1995 in Thailand to assist with the development of an information system on occupational accidents and diseases for the Workmen's Compensation Fund (WCF). The WCF provides cash benefits and medical care to insured workers who suffer employment injuries. The project included literature research based on the facilities of the ILO in Bangkok, and those of the Thai government, and a thorough review of the ILO Code of Practice (the Code) on recording and notification of occupational accidents and diseases, and of other international recommendations on statistics of occupational accidents and diseases. A comparative study of various notification systems of occupational accidents and diseases in Australia, Canada, the Philippines, Sweden, Thailand, and the United States was conducted. The project also included fact-finding sessions among various information suppliers and users in Thailand. The Thai notification form for collecting data for the database was redesigned and pretested. Results of the project indicated that the Code is appropriate for the recording and notification of occupational accidents and diseases in Thailand. In addition, a number of information requirements, which were included in the notification systems in the countries studied but not listed in the Code, were found to be useful for the database. A list of the baseline variables to be included in the proposed database was developed, the notification form was redesigned, and coding schemes for the information collected on the redesigned form were constructed on the basis of international standard classification systems for economic activity, employment status, occupation, nature of injury, occupational disease, body part, type of accident, and agency. A number of mechanisms were suggested for cross-checking the accuracy of data in the database. Based on the review of the Code and other international recommendations on

  8. COMMERCIAL SNF ACCIDENT RELEASE FRACTIONS

    Energy Technology Data Exchange (ETDEWEB)

    S.O. Bader

    1999-10-18

    The purpose of this design analysis is to specify and document the total and respirable fractions for radioactive materials that are released from an accident event at the Monitored Geologic Repository (MGR) involving commercial spent nuclear fuel (CSNF) in a dry environment. The total and respirable release fractions will be used to support the preclosure licensing basis for the MGR. The total release fraction is defined as the fraction of total CSNF assembly inventory, typically expressed as an activity inventory (e.g., curies), of a given radionuclide that is released to the environment from a waste form. The radionuclides are released from the inside of breached fuel rods (or pins) and from the detachment of radioactive material (crud) from the outside surfaces of fuel rods and other components of fuel assemblies. The total release fraction accounts for several mechanisms that tend to retain, retard, or diminish the amount of radionuclides that are available for transport to dose receptors or otherwise can be shown to reduce exposure of receptors to radiological releases. The total release fraction includes a fraction of airborne material that is respirable and could result in inhalation doses. This subset of the total release fraction is referred to as the respirable release fraction. Potential accidents may involve waste forms that are characterized as either bare (unconfined) fuel assemblies or confined fuel assemblies. The confined CSNF assemblies at the MGR are contained in shipping casks, canisters, or disposal containers (waste packages). In contrast to the bare fuel assemblies, the container that confines the fuel assemblies has the potential of providing an additional barrier for diminishing the total release fraction should the fuel rod cladding breach during an accident. However, this analysis will not take credit for this additional bamer and will establish only the total release fractions for bare unconfined CSNF assemblies, which may however be

  9. 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...

  10. Methodological guidelines for developing accident modification functions

    DEFF Research Database (Denmark)

    Elvik, Rune

    2015-01-01

    This paper proposes methodological guidelines for developing accident modification functions. An accident modification function is a mathematical function describing systematic variation in the effects of road safety measures. The paper describes ten guidelines. An example is given of how to use...... limitations in developing accident modification functions are the small number of good evaluation studies and the often huge variation in estimates of effect. It is therefore still not possible to develop accident modification functions for very many road safety measures. © 2015 Elsevier Ltd. All rights...

  11. Systematics of Reconstructed Process Facility Criticality Accidents

    Energy Technology Data Exchange (ETDEWEB)

    Pruvost, N.L.; McLaughlin, T.P.; Monahan, S.P.

    1999-09-19

    The systematics of the characteristics of twenty-one criticality accidents occurring in nuclear processing facilities of the Russian Federation, the United States, and the United Kingdom are examined. By systematics the authors mean the degree of consistency or agreement between the factual parameters reported for the accidents and the experimentally known conditions for criticality. The twenty-one reported process criticality accidents are not sufficiently well described to justify attempting detailed neutronic modeling. However, results of classic hand calculations confirm the credibility of the reported accident conditions.

  12. Aerospace Accident - Injury Autopsy Data System -

    Data.gov (United States)

    Department of Transportation — The Aerospace Accident Injury Autopsy Database System will provide the Civil Aerospace Medical Institute (CAMI) Aerospace Medical Research Team (AMRT) the ability to...

  13. Occupational Accidents with Agricultural Machinery in Austria.

    Science.gov (United States)

    Kogler, Robert; Quendler, Elisabeth; Boxberger, Josef

    2016-01-01

    The number of recognized accidents with fatalities during agricultural and forestry work, despite better technology and coordinated prevention and trainings, is still very high in Austria. The accident scenarios in which people are injured are very different on farms. The common causes of accidents in agriculture and forestry are the loss of control of machine, means of transport or handling equipment, hand-held tool, and object or animal, followed by slipping, stumbling and falling, breakage, bursting, splitting, slipping, fall, and collapse of material agent. In the literature, a number of studies of general (machine- and animal-related accidents) and specific (machine-related accidents) agricultural and forestry accident situations can be found that refer to different databases. From the database Data of the Austrian Workers Compensation Board (AUVA) about occupational accidents with different agricultural machinery over the period 2008-2010 in Austria, main characteristics of the accident, the victim, and the employer as well as variables on causes and circumstances by frequency and contexts of parameters were statistically analyzed by employing the chi-square test and odds ratio. The aim of the study was to determine the information content and quality of the European Statistics on Accidents at Work (ESAW) variables to evaluate safety gaps and risks as well as the accidental man-machine interaction.

  14. HTGR severe accident sequence analysis

    Energy Technology Data Exchange (ETDEWEB)

    Harrington, R.M.; Ball, S.J.; Kornegay, F.C.

    1982-01-01

    Thermal-hydraulic, fission product transport, and atmospheric dispersion calculations are presented for hypothetical severe accident release paths at the Fort St. Vrain (FSV) high temperature gas cooled reactor (HTGR). Off-site radiation exposures are calculated for assumed release of 100% of the 24 hour post-shutdown core xenon and krypton inventory and 5.5% of the iodine inventory. The results show conditions under which dose avoidance measures would be desirable and demonstrate the importance of specific release characteristics such as effective release height. 7 tables.

  15. Accident Management in VVER-1000

    Directory of Open Access Journals (Sweden)

    F. D'Auria

    2008-01-01

    Full Text Available The present paper deals with the investigation study on accident management in VVER-1000 reactor type conducted in the framework of a European Commission funded project. The mentioned study involved both experimental and computational fields. The purpose of this paper is to summarize the main findings from the execution of a wide-range analysis focused on AM in VVER-1000 with main regard to the qualification of computational tools and the proposal for an optimal AM strategy for this kind of NPP.

  16. 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...

  17. 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...

  18. 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...

  19. 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.

  20. 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.

  1. 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...

  2. 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.

  3. 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 public...

  4. 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...

  5. 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,...

  6. 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,...

  7. 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....

  8. 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.

  9. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    OpenAIRE

    Malik, M.; I. Semenchuk

    2014-01-01

    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.

  10. The Complexity of E-Insurance

    Directory of Open Access Journals (Sweden)

    Marius GAVRILETEA

    2006-01-01

    Full Text Available The importance and increasing role of Internet in nowadays business area are officially recognized. No matter the industry a company is operating in, the distribution channels include direct sales through Internet. Following this idea, also the insurance companies decided to sell their insurance policy online. In this paper we analyze the advantages of Internet for insurance companies, the threats and the actual situation for Romanian insurers

  11. 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.

  12. How Does Ambiguity Affect Insurance Decisions

    Science.gov (United States)

    1990-05-01

    Risks,"Journal of Risk and Insurance , 40, 231-243. [20] Stone, J., (1973b) "A Theory of Capacity and the Insurance of Catastrophic Risks,"Journal of Risk ... and Insurance 40, 339-355. [21] Hogarth, Robin and Kunreuther, Howard (1989a) "Risk, Ambiguity and In- surance" Journal of Risk and Uncertainty 2:5

  13. 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.

  14. 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

  15. 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.

  16. Forecasting claims in motor vehicle insurance

    NARCIS (Netherlands)

    Berridge, S.J.

    1998-01-01

    The forecasting of claims is central to the successful operation of an insurance company. Based on six years of claim and policy data for full cover car insurance from a major New Zealand insurance company, we set premiums for rating categories using a simple credibility method, a modified credibili

  17. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    Antonio, K.

    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

  18. 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

  19. 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 and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS REQUIREMENTS FOR... Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  20. 49 CFR Appendix A- to Part 544... - Appendix A- to Part 544 Insurers of Motor Vehicle Insurance Policies Subject to the Reporting...

    Science.gov (United States)

    2010-10-01

    ... Family Insurance Group American International Group Auto Club Enterprise Insurance Group 1 Auto-Owners... American Family Insurance Group American International Group Auto Club Enterprise Insurance Group...

  1. 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.

  2. 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.

  3. SERVICE QUALITY MEASUREMENT AND DEMAND FOR INSURANCE: AN EMPIRICAL STUDY FROM NIGERIAN INSURANCE INDUSTRY

    Directory of Open Access Journals (Sweden)

    Abass, OlufemiAdebowale

    2016-11-01

    Full Text Available Insurance provides financial protection to the insured, though; its acceptance by Nigerian insuring public is still low. This can sharply be traced to low awareness of insurance service. More importantly, quality of service to the few who embraced it had been low. Therefore, insuring public perceives insurance service as defective because customers’ expectations are not met. The objective of this research is to find out whether application of service quality measurement will drive demand for insurance products. Hypothesis was tested to find out whether SERVQUAL measurement is not significantly related to demand for insurance products in Nigeria. The study adopts descriptive research design; hypothesis was tested using regression analysis. The study reveals that there is a significant relationship between application of SERVQUAL measurement and demand for insurance. It is recommended that insurance companies operating in Nigeria should adopt SERVQUAL measurement which will further increase customer retention and loyalty.

  4. 14 CFR 198.7 - Amount of insurance coverage available.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.7 Amount of insurance coverage available. (a) For... arising from any risk. In the case of hull insurance, the amount insured may not exceed the reasonable... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Amount of insurance coverage available....

  5. 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

  6. 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

  7. 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…

  8. [Multiple injuries in mass accidents].

    Science.gov (United States)

    Wondrák, E

    1984-01-01

    The treatment starts with reanimation, managing the shock, followed by life-saving surgery on the central nervous system, chest, abdomen, large blood vessels and the uropoietic system. From the very beginning the therapy should be conducted on an intradisciplinary basis, first with the anaesthesiologist, later with other specialists as required. Once the patient's life has been saved, treatment of eyes, hands and systematic attention to extremities should follow. Shock has to be managed within 24 hours. Luxations of large joints should be reposed on the date of injury, open fractures closed, all fractures immobilized in favourable position. No extension should be applied in patients suffering from brain injuries; fractures of the femur should be fixed surgically by a second team in the course of the neurosurgical operation. A stomatologist's assistance makes general anaesthesia possible even with fractures of the jaw. In mass accidents the therapeutic plan for the polytraumatized should be fixed on the following day. A mass accident involving 35 injured treated within two and a half hours demonstrates this procedure in 7 polytraumatized persons.

  9. 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.

  10. Active Chinese Space Insurance Broker

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Aming to become a competitive world commercial launch service provider and satellite provider, Chineseto adapt itselfoperation. New space industry tries to the commercial ssues appear in various areas in the effort such as commercial insurance arrangement for satellites and launch services.

  11. Correspondence model of occupational accidents

    Directory of Open Access Journals (Sweden)

    Juan C. Conte

    2011-09-01

    Full Text Available We present a new generalized model for the diagnosis and prediction of accidents among the Spanish workforce. Based on observational data of the accident rate in all Spanish companies over eleven years (7,519,732 accidents, we classified them in a new risk-injury contingency table (19×19. Through correspondence analysis, we obtained a structure composed of three axes whose combination identifies three separate risk and injury groups, which we used as a general Spanish pattern. The most likely or frequent relationships between the risk and injuries identified in the pattern facilitated the decision-making process in companies at an early stage of risk assessment. Each risk-injury group has its own characteristics, which are understandable within the phenomenological framework of the accident. The main advantages of this model are its potential application to any other country and the feasibility of contrasting different country results. One limiting factor, however, is the need to set a common classification framework for risks and injuries to enhance comparison, a framework that does not exist today. The model aims to manage work-related accidents automatically at any level.Apresentamos aqui um modelo generalizado para o diagnóstico e predição de acidentes na classe de trabalhadores da Espanha. Baseados em dados sobre a frequência de acidentes em todas as companhias da Espanha em 11 anos (7.519.732 acidentes, nós os classificamos em uma nova tabela de contingência risco-injúria (19×19. Através de uma análise por correspondência obtivemos uma estrutura composta por 3 eixos cuja combinação identifica 3 grupos separados de risco e injúria, que nós usamos como um perfil geral na Espanha. As mais prováveis ou frequentes relações entre risco e injúrias identificadas nesse perfil facilitaram o processo de decisão nas companhias em um estágio inicial de apreciação do risco. Cada grupo de risco-injúria tem suas próprias caracter

  12. Key Characteristics of Combined Accident including TLOFW accident for PSA Modeling

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Bo Gyung; Kang, Hyun Gook [KAIST, Daejeon (Korea, Republic of); Yoon, Ho Joon [Khalifa University of Science, Technology and Research, Abu Dhabi (United Arab Emirates)

    2015-05-15

    The conventional PSA techniques cannot adequately evaluate all events. The conventional PSA models usually focus on single internal events such as DBAs, the external hazards such as fire, seismic. However, the Fukushima accident of Japan in 2011 reveals that very rare event is necessary to be considered in the PSA model to prevent the radioactive release to environment caused by poor treatment based on lack of the information, and to improve the emergency operation procedure. Especially, the results from PSA can be used to decision making for regulators. Moreover, designers can consider the weakness of plant safety based on the quantified results and understand accident sequence based on human actions and system availability. This study is for PSA modeling of combined accidents including total loss of feedwater (TLOFW) accident. The TLOFW accident is a representative accident involving the failure of cooling through secondary side. If the amount of heat transfer is not enough due to the failure of secondary side, the heat will be accumulated to the primary side by continuous core decay heat. Transients with loss of feedwater include total loss of feedwater accident, loss of condenser vacuum accident, and closure of all MSIVs. When residual heat removal by the secondary side is terminated, the safety injection into the RCS with direct primary depressurization would provide alternative heat removal. This operation is called feed and bleed (F and B) operation. Combined accidents including TLOFW accident are very rare event and partially considered in conventional PSA model. Since the necessity of F and B operation is related to plant conditions, the PSA modeling for combined accidents including TLOFW accident is necessary to identify the design and operational vulnerabilities.The PSA is significant to assess the risk of NPPs, and to identify the design and operational vulnerabilities. Even though the combined accident is very rare event, the consequence of combined

  13. Radiological accidents balance in medicine; Bilan des accidents radiologiques en medecine

    Energy Technology Data Exchange (ETDEWEB)

    Nenot, J.C.

    1995-12-31

    This work deals with the radiological accidents in medicine. In medicine, the radiation accidents on medical personnel and patients can be the result of over dosage and bad focusing of radiotherapy sealed sources. Sometimes, the accidents, if they are unknown during a time enough for the source to be spread and to expose a lot of persons (in the case of source dismantling for instance) can take considerable dimensions. Others accidents can come from bad handling of linear accelerators and from radionuclide kinetics in some therapies. Some examples of accidents are given. (O.L.). 11 refs.

  14. Squeal Those Tires! Automobile-Accident Reconstruction.

    Science.gov (United States)

    Caples, Linda Griffin

    1992-01-01

    Methods use to reconstruct traffic accidents provide settings for real life applications for students in precalculus, mathematical analysis, or trigonometry. Described is the investigation of an accident in conjunction with the local Highway Patrol Academy integrating physics, vector, and trigonometry. Class findings were compared with those of…

  15. 48 CFR 36.513 - Accident prevention.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Accident prevention. 36.513 Section 36.513 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION SPECIAL... prevention. (a) The contracting officer shall insert the clause at 52.236-13, Accident Prevention,...

  16. Global estimates of fatal occupational accidents.

    Science.gov (United States)

    Takala, J

    1999-09-01

    Data on occupational accidents are not available from all countries in the world. Furthermore, underreporting, limited coverage by reporting and compensation schemes, and non-harmonized accident recording and notification systems undermine efforts to obtain worldwide information on occupational accidents. This paper presents a method and new estimated global figures of fatal accidents at work by region. The fatal occupational accident rates reported to the International Labour Office are extended to the total employed workforce in countries and regions. For areas not covered by the reported information, rates from other countries that have similar or comparable conditions are applied. In 1994, an average estimated fatal occupational accident rate in the whole world was 14.0 per 100,000 workers, and the total estimated number of fatal occupational accidents was 335,000. The rates are different for individual countries and regions and for separate branches of economic activity. In conclusion, fatal occupational accident figures are higher than previously estimated. The new estimates can be gradually improved by obtaining and adding data from countries where information is not yet available. Sectoral estimates for at least key economic branches in individual countries would further increase the accuracy.

  17. Occupational blood exposure accidents in the Netherlands.

    NARCIS (Netherlands)

    Wijk, P.T.L. van; Schneeberger, P.M.; Heimeriks, K.; Boland, G.J.; Karagiannis, I.; Geraedts, J.; Ruijs, W.L.M.

    2010-01-01

    BACKGROUND: To make proper evaluation of prevention policies possible, data on the incidence and associated medical costs of occupational blood exposure accidents in the Netherlands are needed. METHODS: Descriptive analysis of blood exposure accidents and risk estimates for occupational groups. Cost

  18. Accidents of bus drivers : an epidemiological approach

    NARCIS (Netherlands)

    M.L.I. Pokorny (Mirko); D.H.J. Blom (Dick)

    1985-01-01

    textabstractIn the history of accident research much emphasis has been laid on general statistics, different types of case studies concentrating on various personal factor-s, circumstantial influences etc. Often, in certain waves, the unequal initial liability theory (the accident proneness concept;

  19. An introduction to serious nuclear accident chemistry

    OpenAIRE

    Mark Russell St. John Foreman

    2015-01-01

    A review of the chemistry occurring inside a nuclear power plant during a serious reactor accident is presented. This includes some aspects of the behavior of nuclear fuel, its cladding, cesium and iodine. This review concentrates on the chemistry of an accident in a water-cooled reactor loaded with uranium dioxide or mixed metal oxide fuel.

  20. Fatal traffic accidents and forensic medicine

    Directory of Open Access Journals (Sweden)

    Kazuhiko Kibayashi

    2014-07-01

    Full Text Available In the event of a traffic accident fatality, the death is reported as an “unusual death,” an inquest is conducted, and, if necessary, a forensic autopsy is performed to prove any causal relationship between the accident and the death, identify the vehicle at fault, and determine the cause of the accident. A forensic autopsy of a traffic accident fatality needs to both determine the cause of death and identify the mechanism of injury, an analytical task that requires observation of three major traffic accident factors: the body, the vehicles involved, and the scene of the accident. Also crucial to determining the cause of death is the process of looking into whether the people involved in the accident had any diseases that might affect their driving performance or were under the influence of alcohol or drugs. In order to reduce the number of people killed in traffic accidents, it will be important to promote joint research uniting forensic medicine, clinical medicine, automotive engineering, and road engineering, take measures to limit the impact of inebriated pedestrians and pedestrians suffering from dementia, and ensure proper screening of alcohol and illegal drug consumption in drivers.

  1. 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.

  2. Review of Severe Accident Phenomena in LWR and Related Severe Accident Analysis Codes

    Directory of Open Access Journals (Sweden)

    Muhammad Hashim

    2013-04-01

    Full Text Available Firstly, importance of severe accident provision is highlighted in view of Fukushima Daiichi accident. Then, extensive review of the past researches on severe accident phenomena in LWR is presented within this study. Various complexes, physicochemical and radiological phenomena take place during various stages of the severe accidents of Light Water Reactor (LWR plants. The review deals with progression of the severe accidents phenomena by dividing into core degradation phenomena in reactor vessel and post core melt phenomena in the containment. The development of various computer codes to analyze these severe accidents phenomena is also summarized in the review. Lastly, the need of international activity is stressed to assemble various severe accidents related knowledge systematically from research organs and compile them on the open knowledge base via the internet to be available worldwide.

  3. [Clinical examinations for the traffic accident patients].

    Science.gov (United States)

    Hitosugi, Masahito

    2008-11-30

    Traffic accident is a leading cause of unintentional death and about six-thousands annually died in Japan. As about one-million of persons suffer from traffic injuries, most of them seek medical attention. Therefore, medical staffs have to find the injuries accurately and treat immediately. Furthermore, the cause of accident should also be considered; why the accident was occurred, human error of the driver? To solve these problems, clinical examinations were needed. Medical staffs have to understand the characteristics of the traffic injuries: severe and multiple blunt injuries, popular injuries can be estimated with considering the pattern of the accident. Because some of the accidents are occurred when the driver is under the influence of alcohol and other drugs, screening of these subjects should be performed. Because the public is largely unaware of the preventable nature of traffic injuries, in addition to diagnose and treat accurately, we medical staffs have to attend on the primary prevention of the traffic injuries.

  4. Commercial SNF Accident Release Fractions

    Energy Technology Data Exchange (ETDEWEB)

    J. Schulz

    2004-11-05

    The purpose of this analysis is to specify and document the total and respirable fractions for radioactive materials that could be potentially released from an accident at the repository involving commercial spent nuclear fuel (SNF) in a dry environment. The total and respirable release fractions are used to support the preclosure licensing basis for the repository. The total release fraction is defined as the fraction of total commercial SNF assembly inventory, typically expressed as an activity inventory (e.g., curies), of a given radionuclide that is released to the environment from a waste form. Radionuclides are released from the inside of breached fuel rods (or pins) and from the detachment of radioactive material (crud) from the outside surfaces of fuel rods and other components of fuel assemblies. The total release fraction accounts for several mechanisms that tend to retain, retard, or diminish the amount of radionuclides that are available for transport to dose receptors or otherwise can be shown to reduce exposure of receptors to radiological releases. The total release fraction includes a fraction of airborne material that is respirable and could result in inhalation doses; this subset of the total release fraction is referred to as the respirable release fraction. Accidents may involve waste forms characterized as: (1) bare unconfined intact fuel assemblies, (2) confined intact fuel assemblies, or (3) canistered failed commercial SNF. Confined intact commercial SNF assemblies at the repository are contained in shipping casks, canisters, or waste packages. Four categories of failed commercial SNF are identified: (1) mechanically and cladding-penetration damaged commercial SNF, (2) consolidated/reconstituted assemblies, (3) fuel rods, pieces, and debris, and (4) nonfuel components. It is assumed that failed commercial SNF is placed into waste packages with a mesh screen at each end (CRWMS M&O 1999). In contrast to bare unconfined fuel assemblies, the

  5. Analysis of Fukushima Daiichi Accident Using HFACS

    Energy Technology Data Exchange (ETDEWEB)

    Mohamed, Saeed Almheiri [Korea Advanced Institue of Science and Technology, Daejeon (Korea, Republic of)

    2013-10-15

    The shadow of Fukushima Daiichi nuclear power plant (NPP) accident is still too big and will last long. On the other hand, it could still teach us lots of lessons to better design and operate nuclear power plants. In this paper, we will be focusing on the Fukushima Daiichi accident, especially on human organizational factors. We will analyze the accident using Human Factors Analysis and Classification System (HFACS) in order to better understand the organizational climate of TEPCO{sup 1} and NISA{sup 2} that led to Fukushima Daiichi Accident. HFACS was developed for the U. S. aviation industry and has been used at many industries like the rail and mining industries. We found that the HFACS to be greatly beneficial in investigating the latent and organizational causes for the accident. The application results show that the causes of Fukushima Daiichi accident were spread out from sharp end (i.e. Unsafe Act) to blunt end (i. e. Organizational Influences). This means that the corresponding countermeasures should cover from front line staff to management. Thus, we managed to develop a better understanding on how to prevent similar errors or violations. The incident and near-miss have a lot of helpful information because it may show the actual and latent deficiencies of complex systems. We applied the HFACS into Fukushima Daiichi accident to better locate the causes related to both sharp and blunt ends of operation of NPP. In order to derive useful lessons from the accident analysis, the analyst should try to find the similarities not differences from the incident. It is imperative that whatever accident/incident analysis systems we use, we should fully utilize the disastrous Fukushima accident.

  6. 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......-embedded, government-subsidized early retirement (ER) program, giving benefits that are unrelated to business risk. Indeed, we argue that the self-employeds' incentives to insure themselves stem from the ER plan rather than from the UI cover. We show how to use a policy reform to identify moral hazard in observed...... 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....

  7. 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.

  8. 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.

  9. 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.

  10. [Self-inflicted finger-amputation: insurance fraud or accidental injury?].

    Science.gov (United States)

    Hildebrand, E; Hitzer, K; Püschel, K

    2006-03-01

    A 50-year-old surgeon was working with his electrical circle saw as a do-it-yourselfer. He was alone, nobody witnessed his mishap when he amputated his left index finger. He claimed high financial compensation from two accident insurance companies because of his disability. A long series of medical expertises followed. The juridical procedures took 12 years in total. All higher authorities had to deal with the forensic medical implications. Finally, the high court (Bundesgerichtshof) decided that the complainant would receive no compensation because he gave two very different descriptions. Concerning the reconstruction of the accident, the first version was unlikely from a biomechanical point of view. The decision of the court was solely based on the violation of the obligation to give a clear presentation of the course of events (Obliegenheitsverletzung).

  11. 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...

  12. [Traumatic chondropathia patellae, its significance for medical insurance in expert testimony concerning accident sequellae therapy].

    Science.gov (United States)

    Mbaruk, A

    1980-04-01

    The connection between chondropathia patellae and a trauma is discussed. Apart from direct traumas the indirect ones can also cause a chondropathia patellae as a result of the incongruence in the femoropatellar joint. In compiling the case history a preceding trauma of different forms and intensity can be found out in about 17 per cent out of all chondropathia patellae patients. When giving an expert's opinion on a case of chondromalacia sport and occupational lesions must be differentiated from genuine traumatic chondropathy. A chondropathia patellae is characterized by the above-mentioned patellar syndrome. The arthroscopy is considered the most reliable diagnostic method. The indication for operative treatment must take into consideration both the degree of the chondropathia patellae and the cause of the disorder.

  13. [SUVA (Swiss Accident Insurance Fund) and silicosis. Silicosis in Switzerland. Development of technological dust control].

    Science.gov (United States)

    Bachofen, G

    1983-01-01

    In Switzerland the technical measures against quartz dust started in 1948 when wet drilling was compulsoryly introduced, initially in underground mining. The miners using the first wet drilling machines had serious problems with water, and only with the introduction of carriage drilling machines in 1963 did the method fully break through. Dust caused by blasting operations and by loading of the resultant material was limited by ventilation and sprinkling of water. In 1966 the first full-face cutting machines were used, and it was necessary to install a dust chamber behind the drill from which dust could be taken to a dust arrester. The problem of dust limitation when using boom cutters at sectional areas of more than 20 sq. meters without a pilot tunnel has not been resolved. Since 1970, dust in quarries and stone-cutter workshops has been successfully combated by the use of exhaust pumps in combination with filters. The use of quartz sand to clean metal pieces (sandblast) was forbidden in 1960. Today, materials of the same value, but quartz-free, are available. In foundries, dust production can be limited by continuous automation and installation of exhaust pumps in moulding units. For more than 30 years now the technical equipment has been available for successful prevention of quartz dust emissions. However, at some plants it is still difficult to persuade the personnel to use the protective equipment.

  14. Car insurance information management system

    OpenAIRE

    Sun, Yu

    2015-01-01

    A customer information system is a typical information management system. It involves three aspects, the backstage database establishment, the application development and the system maintenance. A car insurance information management system is based on browser/server structure. Microsoft SQL Server establishes the backstage database. Active Server Pages, from Microsoft as well is used as the interface layer. The objective of this thesis was to apply ASP to the dynamic storage of a web page...

  15. Earthquake Disaster Management and Insurance

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    As one of the most powerful tools to reduce the earthquake loss, the Earthquake Disaster Management [EDM] and Insurance [EI] have been highlighted and have had a great progress in many countries in recent years. Earthquake disaster management includes a series of contents, such as earthquake hazard and risk analysis, vulnerability analysis of building and infrastructure, earthquake aware training, and building the emergency response system. EI, which has been included in EDM after this practice has been...

  16. Accidents in Canada: mortality and hospitalization.

    Science.gov (United States)

    Riley, R; Paddon, P

    1989-01-01

    For Canadians under 45, accidents are the leading cause of both death and hospitalization. For the Canadian population as a whole, accidents rank fourth as a cause of death, after cardiovascular disease (CVD), cancer and respiratory disease. This article analyzes accident mortality and hospitalization in Canada using age-specific rates, age-standardized mortality rates (ASMR), and potential years of life lost (PYLL). The six major causes of accidental death for men are motor vehicle traffic accidents (MVTA), falls, drowning, fires, suffocation and poisoning. For women, the order is slightly different: MVTA, falls, fires, suffocation, poisoning and drowning. From 1971 to 1986, age-standardized mortality rates (ASMR) for accidents decreased by 44% for men and 39% for women. The largest decrease occurred in the under 15 age group. Accidents accounted for 11.5% of total hospital days in 1985, and 8% of hospital discharges. Because young people have the highest rates of accidental death, potential years of life lost (PYLL) are almost as high for accidents as for cardiovascular disease, although CVD deaths outnumbered accidental deaths by almost five to one in 1985.

  17. An analysis of aircraft accidents involving fires

    Science.gov (United States)

    Lucha, G. V.; Robertson, M. A.; Schooley, F. A.

    1975-01-01

    All U. S. Air Carrier accidents between 1963 and 1974 were studied to assess the extent of total personnel and aircraft damage which occurred in accidents and in accidents involving fire. Published accident reports and NTSB investigators' factual backup files were the primary sources of data. Although it was frequently not possible to assess the relative extent of fire-caused damage versus impact damage using the available data, the study established upper and lower bounds for deaths and damage due specifically to fire. In 12 years there were 122 accidents which involved airframe fires. Eighty-seven percent of the fires occurred after impact, and fuel leakage from ruptured tanks or severed lines was the most frequently cited cause. A cost analysis was performed for 300 serious accidents, including 92 serious accidents which involved fire. Personal injury costs were outside the scope of the cost analysis, but data on personnel injury judgements as well as settlements received from the CAB are included for reference.

  18. Road accidents and business cycles in Spain.

    Science.gov (United States)

    Rodríguez-López, Jesús; Marrero, Gustavo A; González, Rosa Marina; Leal-Linares, Teresa

    2016-11-01

    This paper explores the causes behind the downturn in road accidents in Spain across the last decade. Possible causes are grouped into three categories: Institutional factors (a Penalty Point System, PPS, dating from 2006), technological factors (active safety and passive safety of vehicles), and macroeconomic factors (the Great recession starting in 2008, and an increase in fuel prices during the spring of 2008). The PPS has been blessed by incumbent authorities as responsible for the decline of road fatalities in Spain. Using cointegration techniques, the GDP growth rate, the fuel price, the PPS, and technological items embedded in motor vehicles appear to be statistically significantly related with accidents. Importantly, PPS is found to be significant in reducing fatal accidents. However, PPS is not significant for non-fatal accidents. In view of these results, we conclude that road accidents in Spain are very sensitive to the business cycle, and that the PPS influenced the severity (fatality) rather than the quantity of accidents in Spain. Importantly, technological items help explain a sizable fraction in accidents downturn, their effects dating back from the end of the nineties.

  19. REPORTING OF COMMERCIAL INSURANCE COMPANIES: EVIDENCE FROM THE CZECH REPUBLIC

    OpenAIRE

    Jiřina Bošková

    2007-01-01

    The subject of insurance companies is to provide insurance protection based on commercial principles. All changes in the society are directly reflected in the insurance activity. New risks apperar and therfore new insurance products appear as well. The insurance business intervenes into all areas of the economic and social life in the Czech Republic. Insurance companies cannot be treated only as companies offering insurance protection, but also as important investors who, as a result of their...

  20. Life insurance theory actuarial perspectives

    CERN Document Server

    Vylder, F Etienne

    1997-01-01

    This book is different from all other books on Life Insurance by at least one of the following characteristics 1-4. 1. The treatment of life insurances at three different levels: time-capital, present value and price level. We call time-capital any distribution of a capital over time: (*) is the time-capital with amounts Cl, ~, ... , C at moments Tl, T , ..• , T resp. N 2 N For instance, let (x) be a life at instant 0 with future lifetime X. Then the whole oO oO life insurance A is the time-capital (I,X). The whole life annuity ä is the x x time-capital (1,0) + (1,1) + (1,2) + ... + (I,'X), where 'X is the integer part ofX. The present value at 0 of time-capital (*) is the random variable T1 T TN Cl V + ~ v , + ... + CNV . (**) In particular, the present value ofA 00 and ä 00 is x x 0 0 2 A = ~ and ä = 1 + v + v + ... + v'X resp. x x The price (or premium) of a time-capital is the expectation of its present value. In particular, the price ofA 00 and äx 00 is x 2 A = E(~) and ä = E(I + v + v + ... + v'X...

  1. Interests of Insurance Business and Agricultural Producers: Metamorphoses of Agricultural Insurance with State Support

    Directory of Open Access Journals (Sweden)

    Oleg Nikolaevich Efimov

    2015-12-01

    Full Text Available The paper studies the basic aspects of the system of agricultural insurance with state support in the Russian Federation at the present stage. The relevance of the study is related to the presence of enduring problem that lies in the fact that, despite some efforts by the State of legislative, organizational and economic measures, insurance of agricultural risks in Russia does not give the desired effect. The authors provide clear arguments about the necessity of state support for agriculture, particularly insurance, analyze the volume of subsidized funds from the federal budget for the payment of premiums to insurance companies. The article contains the analysis of the amount of insurance premiums for agricultural insurance in the world and the proportion of premiums collected by Russian agro-stakeholders. The nonoptimality of structure types of agricultural insurance with state support is indicated. The authors describe the main problems and disadvantages of the existing system of agricultural insurance with state support (lack of awareness, a small number of insurance products, high rates of insurance rates, etc., as well as some of the contradictions of the current legislation (the “double subsidies”. As a good example, a model of agricultural insurance in the United States is shown. The reasoned conclusions are made about the imperfection of the current legislation in the area of agricultural insurance, which largely meets the interests of the insurer, not of the insured. It was noted that agricultural insurance with state support in the Russian Federation is insignificant in scale of agricultural areas and in the country as a whole. The authors also make contradictory conclusions on the development of agricultural insurance market in Russia, mainly related to the fact that the system of agricultural insurance in the Russian Federation is only in its infancy.

  2. Micro-insurance as the Basis for Development of Voluntary Medical Insurance in Ukraine

    Directory of Open Access Journals (Sweden)

    Pahnenko Olena M.

    2014-01-01

    Full Text Available The article analyses the modern state of development of medical insurance in Ukraine and also studies advantages and shortcomings of the use of micro-insurance for popularisation of programmes of voluntary medical insurance and satisfaction of needs in high quality medical services for all layers of the population. It identifies that as of today the Ukrainian healthcare system is at the stage of reformation, mandatory medical insurance is not yet introduced and main consumers of the programmes of voluntary medical insurance are corporate clients. The article considers main constraints of development of medical insurance in Ukraine, including: low level of income of the population; absence of high quality providers of medical services in regions; and insufficient degree of trust of the population to the insurance sphere. The article shows that introduction of micro-insurance would positively influence the development of insurance medicine in the country, would facilitate provision of medical services even for poor citizens and would allow reduction of state budget expenditures on healthcare. The conducted study of restrictions and shortcomings of introduction of micro-insurance allowed identification of the fact that main of them are information asymmetry (unfavourable selection of risks, moral risk and insurance fraud, significant limitation of insurance coverage and difficulties in identifying optimal insurance tariffs.

  3. Risk and insurance management for biogas plants

    Energy Technology Data Exchange (ETDEWEB)

    Haerig, M. [Marsh GmbH, Duesseldorf (Germany)

    2007-07-01

    The continuing negative experiences of insurers with biogas plants make it difficult for operators to get appropriate insurance cover. There are different reasons for this big number of damages. Especially in the beginning components have been rebuilt for biogas without sufficient experiences. Other damages have emerged due to improper or disregardful plant management. For that reason the insurers' standards for the biogas plant and the plant management have risen up. The following report deals with experiences of insurance for biogas plants and the resulting consequences. For that reason Marsh carried out a research project and analyzed all reported claims in the All Risk Insurance. The necessary technical minimum requirements for installation and operation are geared to the experiences with damages. But they also account for the interests of the insured. (orig.)

  4. Effectiveness of insurance risk management under crisis conditions

    Directory of Open Access Journals (Sweden)

    I.G. Goncharenko

    2015-06-01

    Full Text Available 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 examined. Problems of insurance business perform are determined, especially insurance risk management. The ability to use the provisions of European insurance regulation on internal domestic insurance market is analyzed, and also the aspects of integration of Ukrainian insurance market are determined.

  5. The Chernobyl accident consequences; Consequences de l'accident de Tchernobyl

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2001-04-01

    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.)

  6. 48 CFR 852.236-87 - Accident prevention.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Accident prevention. 852... Accident prevention. As prescribed in 836.513, insert the following clause: Accident Prevention (SEP 1993....236-13, Accident Prevention. However, only the Contracting Officer may issue an order to stop all...

  7. 46 CFR 4.03-1 - Marine casualty or accident.

    Science.gov (United States)

    2010-10-01

    ... States vessel wherever such casualty or accident occurs; or (3) With respect to a foreign tank vessel... 46 Shipping 1 2010-10-01 2010-10-01 false Marine casualty or accident. 4.03-1 Section 4.03-1... AND INVESTIGATIONS Definitions § 4.03-1 Marine casualty or accident. Marine casualty or accident...

  8. 46 CFR 196.30-5 - Accidents to machinery.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 7 2010-10-01 2010-10-01 false Accidents to machinery. 196.30-5 Section 196.30-5... Reports of Accidents, Repairs, and Unsafe Equipment § 196.30-5 Accidents to machinery. (a) In the event of an accident to a boiler, unfired pressure vessel, or machinery tending to render the further use...

  9. 46 CFR 97.30-5 - Accidents to machinery.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Accidents to machinery. 97.30-5 Section 97.30-5 Shipping... Reports of Accidents, Repairs, and Unsafe Equipment § 97.30-5 Accidents to machinery. (a) In the event of an accident to a boiler, unfired pressure vessel, or machinery tending to render the further use...

  10. 46 CFR 78.33-5 - Accidents to machinery.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 3 2010-10-01 2010-10-01 false Accidents to machinery. 78.33-5 Section 78.33-5 Shipping... Accidents, Repairs, and Unsafe Equipment § 78.33-5 Accidents to machinery. (a) In the event of an accident to a boiler, unfired pressure vessel, or machinery tending to render the further use of the...

  11. 76 FR 41138 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2011-07-13

    ... consideration of the following questions: Have we organized the material to suit the public's needs? Are the... ; or Fax: (202) 493-2990 List of Subjects in 49 CFR Part 544 Crime insurance, Insurance,...

  12. Deposit Insurance Coverage, Credibility of Non-insurance, and Banking Crises

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

    level require analyses of institutional factors affecting the credibility of non-insurance. In particular, the implementation of effective distress resolution procedures for banks would allow governments to reduce explicit deposit insurance coverage and, thereby, to strengthen market discipline......The ambiguity in existing empirical work with respect to effects of deposit insurance schemes on banks' risk-taking can be resolved if it is recognized that absence of deposit insurance is rarely credible and that the credibility of non-insurance can be enhanced by explicit deposit insurance...... schemes. We show that under reasonable conditions for effects on risk-taking of creditor protection in banking, and for effects on credibility of non-insurance of explicit coverage of deposit insurance schemes, there exists a partial level of coverage that maximizes market discipline and minimizes moral...

  13. Ruthenium release from fuel in accident conditions

    Energy Technology Data Exchange (ETDEWEB)

    Brillant, G.; Marchetto, C.; Plumecocq, W. [Inst. de Radioprotection et de Surete Nucleaire, DPAM, SEMIC, LETR and LIMSI, Saint-Paul-Lez-Durance (France)

    2010-07-01

    During a hypothetical nuclear power plant accident, fission products may be released from the fuel matrix and then reach the containment building and the environment. Ruthenium is a very hazardous fission product that can be highly and rapidly released in some accident scenarios. The impact of the atmosphere redox properties, temperature, and fuel burn-up on the ruthenium release is discussed. In order to improve the evaluation of the radiological impact by accident codes, a model of the ruthenium release from fuel is proposed using thermodynamic equilibrium calculations. In addition, a model of fuel oxidation under air is described. Finally, these models have been integrated in the ASTEC accident code and validation calculations have been performed on several experimental tests. (orig.)

  14. MELCOR analysis of the TMI-2 accident

    Energy Technology Data Exchange (ETDEWEB)

    Boucheron, E.A.

    1990-01-01

    This paper describes the analysis of the Three Mile Island-2 (TMI-2) standard problem that was performed with MELCOR. The MELCOR computer code is being developed by Sandia National Laboratories for the Nuclear Regulatory Commission for the purpose of analyzing severe accident in nuclear power plants. The primary role of MELCOR is to provide realistic predictions of severe accident phenomena and the radiological source team. The analysis of the TMI-2 standard problem allowed for comparison of the model predictions in MELCOR to plant data and to the results of more mechanistic analyses. This exercise was, therefore valuable for verifying and assessing the models in the code. The major trends in the TMI-2 accident are reasonably well predicted with MELCOR, even with its simplified modeling. Comparison of the calculated and measured results is presented and, based on this comparison, conclusions can be drawn concerning the applicability of MELCOR to severe accident analysis. 5 refs., 10 figs., 3 tabs.

  15. [Severe parachuting accident. Analysis of 122 cases].

    Science.gov (United States)

    Krauss, U; Mischkowsky, T

    1993-06-01

    Based on a population of 122 severely injured patients the causes of paragliding accidents and the patterns of injury are analyzed. A questionnaire is used to establish a sport-specific profile for the paragliding pilot. The lower limbs (55.7%) and the lower parts of the spine (45.9%) are the most frequently injured parts of the body. There is a high risk of multiple injuries after a single accident because of the tremendous axial power. The standard of equipment is good in over 90% of the cases. Insufficient training and failure to take account of geographical and meteorological conditions are the main determinants of accidents sustained by paragliders, most of whom are young. Nevertheless, 80% of our patients want to continue paragliding. Finally some advice is given on how to prevent paragliding accidents and injuries.

  16. The Chornobyl accident: A comprehensive risk assessment

    Energy Technology Data Exchange (ETDEWEB)

    Vargo, G.J. [ed.; Poyarkov, V.; Bar`yakhtar, V.; Kukhar, V.; Los, I.; Kholosha, V.; Shestopalov, V.

    1999-10-01

    The authors, all of whom are Ukrainian and Russian scientists involved with Chornobyl nuclear power plant since the April 1986 accident, present a comprehensive review of the accident. In addition, they present a risk assessment of the remains of the destroyed reactor and its surrounding shelter, Chornobyl radioactive waste storage and disposal sites, and environmental contamination in the region. The authors explore such questions as the risks posed by a collapse of the shelter, radionuclide migration from storage and disposal facilities in the exclusion zone, and transfer from soil to vegetation and its potential regional impact. The answers to these questions provide a scientific basis for the development of countermeasures against the Chornobyl accident in particular and the mitigation of environmental radioactive contamination in general. They also provide an important basis for understanding the human health and ecological risks posed by the accident.

  17. Safety analysis of surface haulage accidents

    Energy Technology Data Exchange (ETDEWEB)

    Randolph, R.F.; Boldt, C.M.K.

    1996-12-31

    Research on improving haulage truck safety, started by the U.S. Bureau of Mines, is being continued by its successors. This paper reports the orientation of the renewed research efforts, beginning with an update on accident data analysis, the role of multiple causes in these accidents, and the search for practical methods for addressing the most important causes. Fatal haulage accidents most often involve loss of control or collisions caused by a variety of factors. Lost-time injuries most often involve sprains or strains to the back or multiple body areas, which can often be attributed to rough roads and the shocks of loading and unloading. Research to reduce these accidents includes improved warning systems, shock isolation for drivers, encouraging seatbelt usage, and general improvements to system and task design.

  18. Review of methodology for accident consequence assessment

    Energy Technology Data Exchange (ETDEWEB)

    Strenge, D.L.; Soldat, J.K.; Watson, E.C.

    1978-09-01

    This report reviews current methodologies for reactor accident consequence analysis and describes areas where modifications are warranted. Methodologies reviewed are: (1) Models in Regulatory Guides 1.109, 1.111 and 1.113 used for evaluation of compliance with 10 CFR 50 Appendix I; (2) Models in Regulatory Guides used for evaluation of consequences from accidents of Classes 3-8; (3) Models for evaluation of Class 9 accidents presented in the Reactor Safety Study; and (4) Models in the Liquid Pathway Generic Study. The review is designed to aid in the ultimate goal of selection of a comprehensive set of models to extend the Class 9 methodology of the Reactor Safety Study to the analysis of Classes 3-8 accidents.

  19. The epidemiology of bicyclist's collision accidents

    DEFF Research Database (Denmark)

    Larsen, L. B.

    1994-01-01

    of bicyclists and risk situations. The findings should make a basis for preventive programmes in order to decrease the number and severity of bicyclists collision accidents. Data from the emergency room in a 2 year period was combined with data from questionnaires. The study group consisted of 1021 bicyclists...... group of accidents were the collisions with the 'soft' road users (bicyclists, mopeds, and pedestrians) and another group were the collisions with the 'hard' road users (motor vehicles, motorcycles). Preventive measures have to be directed at both these groups of accidents. To decrease the number...... of collision accidents with motor vehicles it is necessary to separate the bicyclists from the 'hard road traffic' especially at crossings. Preventive measures must also be directed at the bicyclists. Information must be given to warn the bicyclists against the risks, not only for collisions with motor...

  20. RETROSPECTION OF INSURANCE: ORIGIN, EVOLUTION, TOPICALITY

    Directory of Open Access Journals (Sweden)

    Cristina UNGUR

    2014-03-01

    Full Text Available Any human activity implies the existence of certain dangers for life, health or property. The need to protect them has led to insurance. In this article we present the chronological evolution of the phenomenon of insurance from its origin in antiquity to the contemporary period. We also show the interdependence of development of human civilization and the diversification and development of insurance services in various historical eras.

  1. HEALTH INSURANCE IN HEALTH REFORM IN UKRAINE

    Directory of Open Access Journals (Sweden)

    H. Tlusta

    2014-03-01

    Full Text Available The author of the article researched the teoretical and methodological approaches to the formation and development of the health insurance market conditions, also investigated the condition and features of the functioning of the health system in Ukraine and abroad, reasonable prospects of introducing mandatory and dissemination of voluntary health insurance, as well as ways of improving financial provide health insurance system in Ukraine.

  2. Application of Actuarial Modelling in Insurance Industry

    OpenAIRE

    Burcã Ana-Maria; Bãtrînca Ghiorghe

    2011-01-01

    In insurance industry, the financial stability of insurance companies represents an issue of vital importance. In order to maintain the financial stability and meet minimum regulatory requirements, actuaries apply actuarial modeling. Modeling has been at the center of actuarial science and of all the sciences from the beginning of their journey. In insurance industry, actuarial modeling creates a framework that allows actuaries to identify, understand, quantify and manage a wide range of risk...

  3. New Kind of Insurance University under Building

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    Dec 11th, 2004 saw foreign capital formally entering into the native insurance field. Now a giant concussion and challenge face directly the native insurance companies and are sure to bring about more fury competition. How to win? The native insurance companies fix their eyes on the talents which are far lack in our country. Setting up university may be a good plan to explore talents.

  4. Communications Centre Model in Insurance Business

    Directory of Open Access Journals (Sweden)

    Danijel Bara

    2013-07-01

    Full Text Available The aim of this paper is to define a communications centre model in an insurance company that essentially has two objectives. The first objective is focused on providing quality support with the sales process thereby creating a strategic advantage over the competition while the second objective is focused on improving the link between internal organizational units whose behaviour can often render decision-making at all levels difficult. The function of sales is fundamental for an insurance company. Whether an insurance company will fulfil its basic function, which is transfer of risk from the insured party to the insurer who agrees tonreimburse incidental damages to the damaged party and distribute them among all members of the risk group on the principles of reciprocity and solidarity, depends on successful sales and billing (Andrijašević & Petranović, 1999. For an insurance company to operate successfully in a demanding market, it is necessary to meet the needs of potential clients who then must be at the centre of all the activities of the insurer. A satisfied policy holder, who is respected by the insurer as a partner, is a guarantee that the sales of insurance services will be successful and that the insured party will come back to the same insurance company. In the era of globalization and all-pervading new technologies and modes of communication, policy holders need to be able to communicate with insurance company employees. Quality communication is a good foundation for a sales conversation. A fast flow of all types of information within an organisation using a single communication module makes decision-making at all levels quicker and easier.

  5. Satellite power system (SPS) initial insurance evaluation

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-09-01

    The beginning of a process to educate the insurance industry about the Satellite Power System is reported. The report is divided into three sections. In the first section a general history describes how space risks are being insured today. This is followed by an attempt to identify the major risks inherent to the SPS. The final section presents a general projection of insurance market reactions to the Satellite Power System.

  6. Insurance payment process for HANDI 2000 business management system

    Energy Technology Data Exchange (ETDEWEB)

    Wilson, D.

    1998-08-24

    The Pensions and Savings group handles three types of payment into and out of Fluor Daniel Hanford related to insurance benefits: Premium payment to insurance company; Application of employee insurance withholding against insurance costs; Remittance of insurance claims, and administrative fees. General approach in making and recording the remittance is by forwarding payment information to Accounts Payable Master.

  7. 46 CFR 308.404 - Application for insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Application for insurance. 308.404 Section 308.404 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.404 Application for insurance. Application for insurance shall...

  8. 14 CFR 198.3 - Basis of insurance.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Basis of insurance. 198.3 Section 198.3 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION, DEPARTMENT OF TRANSPORTATION (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.3 Basis of insurance. (a) Premium insurance may be issued by the FAA...

  9. 14 CFR 198.9 - Applicant for insurance.

    Science.gov (United States)

    2010-01-01

    ...) WAR RISK INSURANCE AVIATION INSURANCE § 198.9 Applicant for insurance. (a) Application for premium or non-premium insurance must be made in accordance with the applicable form supplied by the FAA. (b... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Applicant for insurance. 198.9 Section...

  10. 14 CFR 198.5 - Types of insurance coverage available.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.5 Types of insurance coverage available. Application may be made for insurance against loss or damage to the following persons, property, or interests: (a... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Types of insurance coverage available....

  11. 12 CFR 614.4945 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Forced placement of flood insurance. 614.4945... OPERATIONS Flood Insurance Requirements § 614.4945 Forced placement of flood insurance. If a System... not covered by flood insurance or are covered by flood insurance in an amount less than the...

  12. 44 CFR 71.3 - Denial of flood insurance.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Denial of flood insurance. 71... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF COASTAL BARRIER LEGISLATION § 71.3 Denial of flood insurance. (a) No new flood insurance...

  13. 44 CFR 64.3 - Flood Insurance Maps.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Flood Insurance Maps. 64.3... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program COMMUNITIES ELIGIBLE FOR THE SALE OF INSURANCE § 64.3 Flood Insurance Maps. (a) The following maps may be prepared by...

  14. 5 CFR 870.301 - Eligibility for life insurance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless...

  15. 78 FR 54691 - American General Life Insurance Company, et al.

    Science.gov (United States)

    2013-09-05

    ... COMMISSION American General Life Insurance Company, et al. August 29, 2013, AGENCY: The Securities and... Life Insurance Company (``American General''), The United States Life Insurance Company in the City of New York (``US Life'') (each, an ``Insurance Company'' and together, the ``Insurance Companies''),...

  16. 5 CFR 870.701 - Eligibility for life insurance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  17. 7 CFR 457.158 - Apple crop insurance provisions.

    Science.gov (United States)

    2010-01-01

    ... date. (2) If you relinquish your insurable share on any insurable acreage of apples on or before the... insurable share on any insurable acreage of apples after the acreage reporting date for the crop year... inability to market the apples for any reason other than actual physical damage from an insurable...

  18. Severe accident testing of electrical penetration assemblies

    Energy Technology Data Exchange (ETDEWEB)

    Clauss, D.B. (Sandia National Labs., Albuquerque, NM (USA))

    1989-11-01

    This report describes the results of tests conducted on three different designs of full-size electrical penetration assemblies (EPAs) that are used in the containment buildings of nuclear power plants. The objective of the tests was to evaluate the behavior of the EPAs under simulated severe accident conditions using steam at elevated temperature and pressure. Leakage, temperature, and cable insulation resistance were monitored throughout the tests. Nuclear-qualified EPAs were produced from D. G. O'Brien, Westinghouse, and Conax. Severe-accident-sequence analysis was used to generate the severe accident conditions (SAC) for a large dry pressurized-water reactor (PWR), a boiling-water reactor (BWR) Mark I drywell, and a BWR Mark III wetwell. Based on a survey conducted by Sandia, each EPA was matched with the severe accident conditions for a specific reactor type. This included the type of containment that a particular EPA design was used in most frequently. Thus, the D. G. O'Brien EPA was chosen for the PWR SAC test, the Westinghouse was chosen for the Mark III test, and the Conax was chosen for the Mark I test. The EPAs were radiation and thermal aged to simulate the effects of a 40-year service life and loss-of-coolant accident (LOCA) before the SAC tests were conducted. The design, test preparations, conduct of the severe accident test, experimental results, posttest observations, and conclusions about the integrity and electrical performance of each EPA tested in this program are described in this report. In general, the leak integrity of the EPAs tested in this program was not compromised by severe accident loads. However, there was significant degradation in the insulation resistance of the cables, which could affect the electrical performance of equipment and devices inside containment at some point during the progression of a severe accident. 10 refs., 165 figs., 16 tabs.

  19. Personality characteristics of the child accident repeater

    OpenAIRE

    Manheimer, Dean I.; Mellinger, Glen D

    1997-01-01

    From 8874 boys and girls aged 4 to 18 in Berkeley-Oakland, California, 684 were selected to represent high-, intermediateor low-accident-liability children, based on records of medically attended injuries. Using data from intensive interviews with mothers supplemented with school records, we found a statistically significant relation between accident liability and indexes of extraversion, daring, roughhousing, and other traits tending to expose children to hazards. Similar relations held for ...

  20. APRI-6. Accident Phenomena of Risk Importance

    Energy Technology Data Exchange (ETDEWEB)

    Garis, Ninos; Ljung, J (eds.) (Swedish Radiation Safety Authority, Stockholm (Sweden)); Agrenius, Lennart (ed.) (Agrenius Ingenjoersbyraa AB, Stockholm (Sweden))

    2009-06-15

    Since the early 1980s, nuclear power utilities in Sweden and the Swedish Radiation Safety Authority (SSM) collaborate on the research in severe reactor accidents. In the beginning focus was mostly on strengthening protection against environmental impacts after a severe reactor accident, for example by develop systems for the filtered relief of the reactor containment. Since the early 90s, this focus has shifted to the phenomenological issues of risk-dominant significance. During the years 2006-2008, the partnership continued in the research project APRI-6. The aim was to show whether the solutions adopted in the Swedish strategy for incident management provides adequate protection for the environment. This is done by studying important phenomena in the core melt estimating the amount of radioactivity that can be released to the atmosphere in a severe accident. To achieve these objectives the research has included monitoring of international research on severe accidents and evaluation of results and continued support for research of severe accidents at the Royal Inst. of Technology (KTH) and Chalmers University. The follow-up of international research has promoted the exchange of knowledge and experience and has given access to a wealth of information on various phenomena relevant to events in severe accidents. The continued support to KTH has provided increased knowledge about the possibility of cooling the molten core in the reactor tank and the processes associated with coolability in the confinement and about steam explosions. Support for Chalmers has increased knowledge of the accident chemistry, mainly the behavior of iodine and ruthenium in the containment after an accident.

  1. Life Insurance Actuarial Model with Returnable Premium

    Institute of Scientific and Technical Information of China (English)

    YanhuaiLang

    2004-01-01

    Insurance is the important aspect of finance. It has been fully developed in the western developed countries. With the fast development of market economy in our country,it is necessary to introduce the alien modern theories and techniques, and at the same time,adapt them to our concrete situation. The model of general life insurance product is to be established in this paper, including deferred life annuities, increasing whole life insurance and returnable premiums. Then through the regulation of various parameters, we can obtain various insurance products.

  2. Congressional Statistics: Disability Insurance for December 2014

    Data.gov (United States)

    Social Security Administration — While Social Security is best known for providing retirement benefits, the program also provides Disability Insurance (DI) protection to workers and their families...

  3. MARKETING CHARACTERISTICS OF INSURANCE MARKET IN UKRAINE

    Directory of Open Access Journals (Sweden)

    А. Sabirova

    2014-03-01

    Full Text Available The current state of the insurance market of Ukraine in the post-crisis period, by comparison with the pre-crisis was investigated in the paper. The insurance market in the pre-crisis period grew rapidly, but was unable to withstand the economic crisis and suffered a crushing blow. The economic crisis of 2008-2009 led to a decrease of the demand for financial services in general and insurance services in particular. The lack of development of the insurance market created high barriers for responding and adapting to changes that occurred during the crisis.

  4. Comparative analysis of life insurance market

    Directory of Open Access Journals (Sweden)

    Malynych, Anna Mykolayivna

    2011-05-01

    Full Text Available The article deals with the comprehensive analysis of statistic insight into development of the world and regional life insurance markets on the basis of macroeconomic indicators. The author located domestic life insurance market on the global scale, analyzed its development and suggested the methods to calculate the marketing life insurance index. There was also approbated the mentioned methods on database of 77 countries all over the world. The author also defined the national rating on the basis of marketing life insurance index.

  5. Agriculture loan insurance contract and performance

    OpenAIRE

    Ozaki,Vitor Augusto

    2011-01-01

    Agricultural loan insurance is one of the main risk transfer mechanisms used by the producers in some regions of the country. This insurance guarantees a percentage of the loan budget, thus assuring the payment of the agreed financing. Initially the present article analyzes the State of São Paulo Insurance Company (Companhia de Seguros do Estado de São Paulo - Cosesp) loan insurance origins and evolution, and later on its expansion to other States. Moreover, it details the main features of th...

  6. INSURANCE AND THE CORPORATE COST OF CAPITAL

    Directory of Open Access Journals (Sweden)

    Monika Wieczorek-Kosmala

    2012-04-01

    Full Text Available The purpose of the paper is to provide some support to the thesis that insurance may reduce the cost of capital in a company by influencing both the cost of capital components and the need for rising capital. The problem is here perceived from two perspectives – the classical concept related to the weighted average cost of capital (WACC and a novel concept related to the risk-based capital structure model with the total average cost of capital (TACC. The paper explains the idea of insurance as a retrospective (post-loss risk financing tool and the risk transfer mechanism upon it. As the risk financing tool insurance reduces the need for the balance-sheet capital in a company and thus the financial distress costs. Also, insurance may reduce the level of operating risk and thus influences the required returns of the capital providers. These observations allow emphasising the impact of insurance on the WACC. However, according to the novel concept of the risk-based capital structure, insurance (as a risk financing tool represents an off-balance sheet capital component. As a consequence, it extends the volume of total capital. The presented conceptual model, based on the TACC concept, indicates that large volume of insurance (the insurance sum and its relatively low cost (the insurance premium gives the possibility to the significant reduction of the cost of capital on average. The concluding remarks discuss some dilemmas over the utility of the TACC concept.

  7. Incentive and insurance effects of income taxation

    DEFF Research Database (Denmark)

    Andersen, Torben M.

    2015-01-01

    Tax distortions cause a trade-off between efficiency and equity. However, taxes not only affect incentives; they also provide implicit insurance, and this may critically affect the efficiency–equity relationship. For a standard labour supply problem it is shown that the insurance effect mutes...... the sensitivity of labour supply to taxes, which tends to reduce tax distortions and lower the marginal costs of public funds. The relation between incentives and insurance and thus efficiency and equity is flattened by the insurance effect and it may even be non-monotone. However, the optimal utilitarian policy...

  8. ECONOMIC AND MANAGERIAL APPROACH OF HEALTH INSURANCES

    Directory of Open Access Journals (Sweden)

    Georgeta Dragomir

    2007-05-01

    Full Text Available The paper represents an analysis in the domain of the social insurances for health care. It emphasizesthe necessity and the opportunity of creating in Romania a medical service market based on the competingsystem. In Romania, the social insurances for health care are at their very beginning. The development of thedomain of the private insurances for health care is prevented even by its legislation, due to the lack of anormative act that may regulate the management of the private insurances for health care. The establishment ofthe legislation related to the optional insurances for health care might lead to some activity norms for thecompanies which carry out optional insurances for health care. The change of the legislation is made in order tocreate normative and financial opportunities for the development of the optional medical insurances. Thischange, as part of the social protection of people, will positively influence the development of the medicalinsurance system. The extension of the segment of the optional insurances into the medical insurance segmentincreases the health protection budget with the value of the financial sources which do not belong to thebudgetary funds.

  9. Severe accident risks from external events

    Institute of Scientific and Technical Information of China (English)

    Randall O Gauntt

    2013-01-01

    This paper reviews the early development of design requirements for seismic events in USA early developing nuclear electric generating fleet.Notable safety studies,including WASH-1400,Sandia Siting Study and the NUREG-1150 probabilistic risk study,are briefly reviewed in terms of their relevance to extreme accidents arising from seismic and other severe accident initiators.Specific characteristic about the nature of severe accidents in nuclear power plant (NPP) are reviewed along with present day state-of-art analysis methodologies (methods for estimation of leakages and consequences of releases (MELCOR) and MELCOR accident consequence code system (MACCS)) that are used to evaluate severe accidents and to optimize mitigative and protective actions against such accidents.It is the aim of this paper to make nuclear operating nations aware of the risks that accompany a much needed energy resource and to identify some of the tools,techniques and landmark safety studies that serve to make the technology safer and to maintain vigilance and adequate safety culture for the responsible management of this valuable but unforgiving technology.

  10. CURRENT FACTORS OF ROAD ACCIDENTS IN ISFAHAN

    Directory of Open Access Journals (Sweden)

    B AMINMAN SOUR

    2000-06-01

    Full Text Available

    Introduction. Car accident mortality is the third order causes of death in the USA, following cardiovascular diseases and cancers. Given present survival and outcome Iranian data, more than 14,000 patients die annually in road accidents. Having a valid and reliable data could be useful in reduce mortality and morbidity reduction.
    Methods. Twenty five percent of total traumatic patients in Isfahan were selected (N=2809 at the time of study (1997-1998. Forty five percent of them with car accident were asked about causes of accidents and risk factors for the severity and type of injuries were recorded based on International Classification of Disease 10.
    Results. Most of the victims were young (10-20 years old, students and industrial workers. Statistically unreasonable numbers of cars without extension of roads and high ways, using old and unsafe cars will affects on accidents.
    Discussion. In comparison with European and some Asian countries, Iran has unacceptable road accidents and it seems necessary to pay more attention to stop the current increasing data.

     

  11. [Commuting accidents: the influence of excessive daytime sleepiness. A review of an Italian Police officers population].

    Science.gov (United States)

    Garbarino, S; Repice, A M; Traversa, F; Spigno, F; Mascialino, B; Mantineo, G; Ferrillo, F; Bonsignore, A D

    2007-01-01

    Commuting accidents (CA) play an important role in many systems of workers' compensation insurance and with good reason, as they generally bring about more serious consequences in terms of permanent disablement and death than ordinary occupational accidents; this usually leads to high social costs. Nevertheless, research investigations aimed at studying the possible causes underlying the phenomenon are not available in medical literature. Objective of the present study is to evaluate whether excessive daytime sleepiness (EDS) might influence the occurrence of CA. 463 CA occurred to 411 police officers in northern Italy during the period 1999 - 2002 were collected; 51.9% of the subjects were working on shifts, 48.1% were non-shift workers. The study was carried out by submitting a self-administered questionnaire to gather information on age and physical characteristics, working conditions, sleep-related problems and accidents occurrence; EDS was measured by the Epworth Sleepiness Scale (ESS). A large number of workers (36%) complained of EDS; a strict significant relationship between shift - work condition and the presence of EDS was found, thus suggesting that CA are significantly influenced by EDS. The shift work schedule adopted by Italian Police might be accountable for the disruption of the balance between circadian and homeostatic factors.

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

    Directory of Open Access Journals (Sweden)

    Juan P. Gómez C

    2011-11-01

    Full Text Available 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, and municipal governmental authorities do not record or study these events. Therefore, the true magnitude of the problems caused by this, and the social, economic and occupational losses for Colombia and its companies are not perceived. Likewise, Colombian companies lack protocols, manuals, mechanisms for the identification of potentially dangerous animals to which workers are exposed based on their sector or occupation. This critical factor can have direct implications in the treatments applied to specific cases. This review article attempts to contextualize the impact of poisonous and venomous animals on the health of workers by presenting theoretical foundations and concepts for approaching this issue.

  13. 77 FR 28343 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2012-05-14

    ... Appendices A, B, or C are construed to be a small entity within the definition of the RFA. ``Small insurer... National Highway Traffic Safety Administration 49 CFR Part 544 RIN 2127-AL22 Insurer Reporting Requirements... amend appendices to NHTSA regulations on Insurer Reporting Requirements. The appendices list...

  14. 75 FR 59057 - Common Crop Insurance Regulations, Cotton Crop Insurance Provisions and Macadamia Nut Crop...

    Science.gov (United States)

    2010-09-27

    ... March 30, 2010 (75 FR 15778-15891). Need for Correction As published, the final regulation contained... Provisions and Macadamia Nut Crop Insurance Provisions; Correction AGENCY: Federal Crop Insurance Corporation... make corrections relating to the insurance of cotton and macadamia nuts that published March 30,...

  15. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Science.gov (United States)

    2010-04-01

    ... years. However, X has an actual age of 64 as of the date the face amount of the contract is increased... 26 Internal Revenue 13 2010-04-01 2010-04-01 false Attained age of the insured under a life... age of the insured under a life insurance contract. (a) In general. This section provides guidance...

  16. 75 FR 30106 - Terrorism Risk Insurance Program; Recordkeeping Requirements for Insurers Compensated Under the...

    Science.gov (United States)

    2010-05-28

    ... Terrorism Risk Insurance Program; Recordkeeping Requirements for Insurers Compensated Under the Program... extension approval by the Office of Management and Budget. The Terrorism Risk Insurance Program Office... triacomments@do.treas.gov or by mail (if hard copy, preferably an original and two copies) to: Terrorism...

  17. 38 CFR 8.7 - Reinstatement of National Service Life Insurance except insurance issued pursuant to section 1925...

    Science.gov (United States)

    2010-07-01

    ... Service Life Insurance except insurance issued pursuant to section 1925 of title 38 U.S.C. 8.7 Section 8.7 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Reinstatement § 8.7 Reinstatement of National Service Life Insurance except insurance issued pursuant to...

  18. 26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies...-3 Tax on insurance companies (other than life or mutual), mutual marine insurance companies,...

  19. SOCIAL RESPONSABILITY OF INSURANCE COMPANIES

    Directory of Open Access Journals (Sweden)

    MĂRĂCINE MIHAELA SIMONA

    2013-06-01

    Full Text Available The role of corporate social responsibility has increased significantly nowadays. The studies conducted have shown that consumers are increasingly no longer interested only in buying good quality and reliable products, but they are also interested whether they were produced in a socially responsible manner. In the recent years investors have increasingly realised that investing in social responsibility regarding the social and environmental areas, greatly contributes to the growth of the internal and external image of management. This paper aims at presenting a number of interesting issues related to social responsibility manifested by the insurance companies.

  20. Health insurance for the "uninsurable".

    Science.gov (United States)

    Schneck, L H

    2000-01-01

    State-sponsored health insurance plans for people labeled "uninsurable" by commercial carriers provide financial lifelines for those who qualify. In 28 states, individuals suffering from cancer, AIDS, multiple sclerosis, emotional disorders, cystic fibrosis, para- or quadriplegia and other chronic or recurrent health problems receive benefits--for reasonable premiums--from innovative programs that can literally make the difference between life and death, solvency or indigence. Medical practices and other health care facilities can play a pivotal role in informing patients of these coverage options--and by doing so, increase their revenue, as well.

  1. [Drivers of advanced age in traffic accidents].

    Science.gov (United States)

    Bilban, Marjan

    2002-12-01

    The elderly are vulnerable and potentially unpredictable active participants in traffic who deserve special attention. Longer life expectancy entails a greater number of senior drivers, that is, persons with various health problems and difficulties accompanying old age. At the turn of the millennium, the share of population aged 65 or more in Slovenia was around 13%, and in 25 years it will be near as much as 19%. The share of drivers from this age group was 28% a year ago, and it is expected to reach about 54%. Numerous studies have shown that there are many differences in driving attitude between the young and the elderly. The young are by large active victims, and their main offense and cause of accident is speeding, while the elderly are more passive and their main offense is ignoring and enforcing the right of way. This paper focuses on the differences in the occurrence and type of injuries between the young and the elderly drivers, based on an analysis of all road accidents in Slovenia in the period between 1998-2000. Older people (over 65) caused only 4.7% of all road accidents (16.7% of all accidents involving pedestrians, 11.5% of all involving cyclists, 2.7% involving motorcyclists and 5% of all accidents involving car drivers). Of all accidents, 89.3% were without injuries, and the fatal outcome was registered in 0.4% accidents. Among the elderly (65-74 years of age), however, this share was 1%, and rising to 2.7% with the age 75 and above. By calculating the weight index, which discriminates between minor and severe injuries, and the fatal outcome, it was established that age groups 65-74 and > or = 75 cause three and five times greater damage, respectively than age groups from 18 to 54 years. With years, psychophysical changes lead to a drop in driving ability, which in turn increases the risk of road accidents. It is true that elderly people cause less traffic accidents (and also drive less) than the young, but when they are involved in an accident

  2. Features of insurance evolution in the Internet expansion

    Directory of Open Access Journals (Sweden)

    A.Yu. Polchanov

    2015-03-01

    Full Text Available The article investigates the features of the development of insurance in the Internet expansion. Increasing the number of mobile subscribers, Internet users and social networking, as well as owners of smartphones changes the decision-making process on insurance, marketing of insurance services, the mechanism of interaction between participants of insurance relations. As a result, insurance companies and intermediaries should adjust strategies and innovate to maintain their competitive advantage. The research examined the functioning of the foreign experience of P2P insurance (for example «Friendsurance», microinsurance using mobile payment instruments (for example «Kilimo Salama», cyber-risks insurance (for example «AIG», and the possibility of using digital currencies in insurance in particular Bitcoin. According to the results of investigation the question asked to clarify a number of basic insurance terms, including money payment, the order of payment of insurance premiums, the insurance event and risk, the insurance intermediary.

  3. 75 FR 30106 - Terrorism Risk Insurance Program; Litigation Management Submissions

    Science.gov (United States)

    2010-05-28

    ... Terrorism Risk Insurance Program; Litigation Management Submissions AGENCY: Departmental Offices. ACTION..., the Terrorism Risk Insurance Program Office is seeking comments regarding Litigation Management..., preferably an original and two copies) to: Terrorism Risk Insurance Program, Public Comment Record,...

  4. Exploring Environmental Effects of Accidents During Marine Transport of Dangerous Goods by Use of Accident Descriptions

    DEFF Research Database (Denmark)

    Rømer, Hans Gottberg; Haastrup, P.; Petersen, H J Styhr

    1996-01-01

    On the basis of 1776 descriptions of water transport accidents involving dangerous goods, environmental problems in connection with releases of this kind are described and discussed. It was found that most detailed descriptions of environmental consequences concerned oil accidents, although most...

  5. The consequence of financial crises in Albanian insurance market

    Directory of Open Access Journals (Sweden)

    Edmira Cakrani

    2010-06-01

    Full Text Available The Albanian insurance market is not influenced considerably from current financial crisis. Early yet phase of development with the very low penetration level explains steadiness of insurance market to exposure influence of global financial crisis. Another factor contributed to stability of insurance market is focusing insurance businesses more on the compulsory insurance segment which is not fully liberalized. Conservative investment policies of Albanian insurers also contributed to avoiding influence of market risks induced by world financial crisis.

  6. The Dutch health insurance reform: consumer mobility.

    NARCIS (Netherlands)

    Jong, J.D. de; Groenewegen, P.P.; Rijken, M.

    2006-01-01

    On 1 January 2006, a number of far-reaching changes in the Dutch health insurance system came into effect. There is now one type of health care insurance for all. The standard package is compulsory for everyone who lives in The Netherlands or pays wage tax in The Netherlands. In the new system of ma

  7. Right insurance for renewables; Erneuerbare richtig versichern

    Energy Technology Data Exchange (ETDEWEB)

    Ziegler, Helmuth

    2011-03-15

    In the overall stagnant German insurance market, the power generation from renewable energy sources is a promising field of growth. The contribution under consideration reports on specific aspects of risk insurance of geothermal plants, solar panels, wind turbines and biogas plants.

  8. Visualization tools for insurance risk processes

    OpenAIRE

    Krzysztof Burnecki; Rafal Weron

    2006-01-01

    This chapter develops on risk processes which, perhaps, are most suitable for computer visualization of all insurance objects. At the same time, risk processes are basic instruments for any non-life actuary – they are vital for calculating the amount of loss that an insurance company may incur.

  9. FIRE INSURANCE AND WOOD SCHOOL BUILDINGS.

    Science.gov (United States)

    PURCELL, FRANK X.

    A COMPARISON OF FIRE INSURANCE COSTS OF WOOD, MASONRY, STEEL AND CONCRETE STRUCTURES SHOWS FIRE INSURANCE PREMIMUMS ON WOOD STRUCTURES TEND TO BE HIGHER THAN PREMIUMS ON MASONRY, STEEL AND CONCRETE BUILDINGS, HOWEVER, THE INITIAL COST OF THE WOOD BUILDINGS IS LOWER. DATA SHOW THAT THE SAVINGS ACHIEVED IN THE INITIAL COST OF WOOD STRUCTURES OFFSET…

  10. Smart Questions To Ask Your Insurance Agent.

    Science.gov (United States)

    Cohen, Abby J.

    1997-01-01

    Provides advice on insurance coverage for child care centers. Suggests that before purchasing insurance you inquire about the agent's qualifications, company's financial stability, and corporate ratings; and obtain written answers to questions about specific coverage issues such as volunteers, legal defense costs, special events, and…

  11. Geothermal reservoir insurance study. Final report

    Energy Technology Data Exchange (ETDEWEB)

    1981-10-09

    The principal goal of this study was to provide analysis of and recommendations on the need for and feasibility of a geothermal reservoir insurance program. Five major tasks are reported: perception of risk by major market sectors, status of private sector insurance programs, analysis of reservoir risks, alternative government roles, and recommendations.

  12. Determinants of health insurance and hospitalization

    Directory of Open Access Journals (Sweden)

    Tadashi Yamada

    2014-12-01

    Full Text Available Our paper empirically examines how the decision to purchase private insurance and hospitalization are made based on household income, socio-demographic factors, and private health insurance factors in both Japan and the USA. Using these two data-sets, we found some similarities and dissimilarities between Japan and the United States. As income of households rises, households have a positive effect on purchasing health insurance as a normal good. Another similarity between the two countries is seen in the income effect on risk of hospitalization, which is negative for both Japanese and US cases. For dissimilarity, the insurance premium effect on risk of hospitalization is positive for the Japanese case, while negative for the US case. Since the Japanese insurance data had variables such as payments per day of hospitalization if household gets hospitalized, insurance payments upon death of an insured person, and annuity payments at maturity, we tested to see if these characteristics affect the risk of hospitalization for households; we do not eliminate a possibility of adverse selection. For the US pure health issuance characteristics, an increase in premium of health insurance policies cause individuals to substitute more health capital investment which causes lower risk of hospitalization.

  13. 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 136.111 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE...; DESIGNATION OF SOURCE; AND ADVERTISEMENT General Procedure § 136.111 Insurance. (a) A claimant shall...

  14. Life insurance: genomic stratification and risk classification.

    Science.gov (United States)

    Joly, Yann; Burton, Hilary; Knoppers, Bartha Maria; Feze, Ida Ngueng; Dent, Tom; Pashayan, Nora; Chowdhury, Susmita; Foulkes, William; Hall, Alison; Hamet, Pavel; Kirwan, Nick; Macdonald, Angus; Simard, Jacques; Van Hoyweghen, Ine

    2014-05-01

    With the development and increasing accessibility of new genomic tools such as next-generation sequencing, genome-wide association studies, and genomic stratification models, the debate on genetic discrimination in the context of life insurance became even more complex, requiring a review of current practices and the exploration of new scenarios. In this perspective, a multidisciplinary group of international experts representing different interests revisited the genetics and life insurance debate during a 2-day symposium 'Life insurance: breast cancer research and genetic risk prediction seminar' held in Quebec City, Canada on 24 and 25 September 2012. Having reviewed the current legal, social, and ethical issues on the use of genomic information in the context of life insurance, the Expert Group identified four main questions: (1) Have recent developments in genomics and related sciences changed the contours of the genetics and life insurance debate? (2) Are genomic results obtained in a research context relevant for life insurance underwriting? (3) Should predictive risk assessment and risk stratification models based on genomic data also be used for life insurance underwriting? (4) What positive actions could stakeholders in the debate take to alleviate concerns over the use of genomic information by life insurance underwriters? This paper presents a summary of the discussions and the specific action items recommended by the Expert Group.

  15. Insuring Life : Value, Security and Risk

    NARCIS (Netherlands)

    Lobo-Guerrero, Luis

    2016-01-01

    This book is a contribution to the scholarly engagement with the wider problem of governing through risk and the politics of uncertainty. It takes life insurance as an empirical site from which to ask: what is the kind of governance created through insurance an instance of, and how does it contribut

  16. Willingness to Pay for Insurance in Denmark

    DEFF Research Database (Denmark)

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

    2016-01-01

    We estimate how much Danish households are willing to pay for auto, home, and house insurance. We use a unique combination of claims data from a large Danish insurance company, measures of individual risk attitudes and discount rates from a field experiment with a representative sample of the adult...

  17. Economic and Managerial Approach of Health Insurances

    Directory of Open Access Journals (Sweden)

    Marinela BOBOC

    2005-10-01

    Full Text Available The paper represents an analysis in the domain of the social insurances for health care. It emphasizes the necessity and the opportunity ofcreating in Romania a medical service market based on the competing system. In Romania, the social insurances for health care are at their verybeginning. The development of the domain of the private insurances for health care is prevented even by its legislation, due to the lack of a normativeact that may regulate the management of the private insurances for health care. The establishment of the legislation related to the optional insurancesfor health care might lead to some activity norms for the companies which carry out optional insurances for health care. The change of the legislationis made in order to create normative and financial opportunities for the development of the optional medical insurances. This change, as part of thesocial protection of people, will positively influence the development of the medical insurance system. The extension of the segment of the optionalinsurances into the medical insurance segment increases the health protection budget with the value of the financial sources which do not belong tothe budgetary funds.

  18. Establishment of life insurance benefits, 1986.

    Science.gov (United States)

    1988-01-01

    In 1986, Nanjing County in Fujian Province, China, established life insurance policies for only children. Families with only one child paying insurance premiums of 40 yuan will be refunded medical expenses exceeding 200 yuan incurred in caring for the child from birth to age 16.

  19. Defining the key-parameters of insurance product in Islamic insurance

    Directory of Open Access Journals (Sweden)

    Galim Zaribzyanovich Vakhitov

    2015-06-01

    Full Text Available Objective to define the range of actuarial calculations in Islamic insurance to study the main differences of the traditional and Islamic insurance to define what changes in calculations entail the above differences. Methods mathematical modeling probabilistic analysis of insurance risks adaptation of methods of actuarial mathematics to the principles of Islamic insurance. Results the mathematical form of the takafulfund models is presented the distribution is analyzed of a random variable of the resulting insurance fund or the insurance company balance in a particular fixed insurance portfolio. Scientific novelty calculation are presented of the optimal tariff rate in takaful. Islamic insurance is an innovative area of insurance industry. Actuarial calculations that meet the Sharia rules are still being developed. The authors set the new tasks of actuarial calculations including the specified changes in the calculation of the optimal tariff rate imposed by the Islamic insurance principles. Practical value the results obtained can be used in the actuarial calculations of the Islamic insurance companies. nbsp

  20. Reactor Safety Gap Evaluation of Accident Tolerant Components and Severe Accident Analysis

    Energy Technology Data Exchange (ETDEWEB)

    Farmer, Mitchell T. [Argonne National Lab. (ANL), Argonne, IL (United States); Bunt, R. [Southern Nuclear, Atlanta, GA (United States); Corradini, M. [Univ. of Wisconsin, Madison, WI (United States); Ellison, Paul B. [GE Power and Water, Duluth, GA (United States); Francis, M. [Argonne National Lab. (ANL), Argonne, IL (United States); Gabor, John D. [Erin Engineering, Walnut Creek, CA (United States); Gauntt, R. [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Henry, C. [Fauske and Associates, Burr Ridge, IL (United States); Linthicum, R. [Exelon Corp., Chicago, IL (United States); Luangdilok, W. [Fauske and Associates, Burr Ridge, IL (United States); Lutz, R. [PWR Owners Group (PWROG); Paik, C. [Fauske and Associates, Burr Ridge, IL (United States); Plys, M. [Fauske and Associates, Burr Ridge, IL (United States); Rabiti, Cristian [Idaho National Lab. (INL), Idaho Falls, ID (United States); Rempe, J. [Rempe and Associates LLC, Idaho Falls, ID (United States); Robb, K. [Argonne National Lab. (ANL), Argonne, IL (United States); Wachowiak, R. [Electric Power Research Inst. (EPRI), Knovville, TN (United States)

    2015-01-31

    The overall objective of this study was to conduct a technology gap evaluation on accident tolerant components and severe accident analysis methodologies with the goal of identifying any data and/or knowledge gaps that may exist, given the current state of light water reactor (LWR) severe accident research, and additionally augmented by insights obtained from the Fukushima accident. The ultimate benefit of this activity is that the results can be used to refine the Department of Energy’s (DOE) Reactor Safety Technology (RST) research and development (R&D) program plan to address key knowledge gaps in severe accident phenomena and analyses that affect reactor safety and that are not currently being addressed by the industry or the Nuclear Regulatory Commission (NRC).

  1. The Dualism of Asymmetric Information in Agricultural Insurance

    Directory of Open Access Journals (Sweden)

    Xuemei Yang

    2013-07-01

    Full Text Available Asymmetric information objectively exists in the insurance market, especially in agricultural insurance, which has a great impact on the insurance contract and market operation. This paper designs two game models to analyse the dualism of asymmetric information in agricultural insurance and its reasons of forming. We find that, the particularity of agricultural production, the agricultural risk diversification and the benefits’ spillover of the agricultural insurance are the main causes of asymmetric information. Therefore, this paper puts forward that establishment of appropriate agricultural insurance mode, optimization of insurance policy design and increasing investment in science and technology, increasing farmers’ insurance consciousness and establishing supervision system

  2. REPORTING OF COMMERCIAL INSURANCE COMPANIES: EVIDENCE FROM THE CZECH REPUBLIC

    Directory of Open Access Journals (Sweden)

    Jiřina Bošková

    2007-06-01

    Full Text Available The subject of insurance companies is to provide insurance protection based on commercial principles. All changes in the society are directly reflected in the insurance activity. New risks apperar and therfore new insurance products appear as well. The insurance business intervenes into all areas of the economic and social life in the Czech Republic. Insurance companies cannot be treated only as companies offering insurance protection, but also as important investors who, as a result of their activity, dispose with temporary available resources of their customers. As situations and existance of time discordance between provision creation and their usage are occasional, insurance companies carry business with these provisions resources.

  3. Conceptualising the lack of health insurance coverage.

    Science.gov (United States)

    Davis, J B

    2000-01-01

    This paper examines the lack of health insurance coverage in the US as a public policy issue. It first compares the problem of health insurance coverage to the problem of unemployment to show that in terms of the numbers of individuals affected lack of health insurance is a problem comparable in importance to the problem of unemployment. Secondly, the paper discusses the methodology involved in measuring health insurance coverage, and argues that the current method of estimation of the uninsured underestimates the extent that individuals go without health insurance. Third, the paper briefly introduces Amartya Sen's functioning and capabilities framework to suggest a way of representing the extent to which individuals are uninsured. Fourth, the paper sketches a means of operationalizing the Sen representation of the uninsured in terms of the disability-adjusted life year (DALY) measure.

  4. The adequacy of college health insurance coverage.

    Science.gov (United States)

    McManus, M; Brauer, M; Weader, R; Newacheck, P

    1991-01-01

    This analysis of private health insurance plans offered in 100 four-year colleges and universities in 1988 indicates a tremendous diversity in plan options, benefits covered, cost-sharing requirements, and catastrophic protections. Consistent with relatively low premium prices, most student health insurance plans offer limited benefits and expose students to significant out-of-pocket medical cost liabilities. Only a minority of schools use financial incentives, such as preferred provider arrangements, to integrate their health insurance plans with their university health service system. We conclude that universities should carefully reexamine the adequacy of their health insurance plans and their relationship to student health centers. As more students rely on student health insurance as their only source of coverage, the quality of these plans assumes an even greater importance.

  5. Optimal non-linear health insurance.

    Science.gov (United States)

    Blomqvist, A

    1997-06-01

    Most theoretical and empirical work on efficient health insurance has been based on models with linear insurance schedules (a constant co-insurance parameter). In this paper, dynamic optimization techniques are used to analyse the properties of optimal non-linear insurance schedules in a model similar to one originally considered by Spence and Zeckhauser (American Economic Review, 1971, 61, 380-387) and reminiscent of those that have been used in the literature on optimal income taxation. The results of a preliminary numerical example suggest that the welfare losses from the implicit subsidy to employer-financed health insurance under US tax law may be a good deal smaller than previously estimated using linear models.

  6. Internet Activities among Malaysian Insurance Companies

    Directory of Open Access Journals (Sweden)

    Tee Chee Kiat

    2005-01-01

    Full Text Available Many studies have been conducted to study Internet usage. Most of them focused on SMI/SME, individuals, services organisations including the financial sector. Previous studies on Internet usage in the financial sector in Malaysia were more focused towards the banking institutions. Not much information is available with regards to the Internet usage among insurance companies. Recognizing the potential of the Internet to insurance companies, the Central Bank of Malaysia (Bank Negara of Malaysia has established guidelines that allow insurers to offer their services online. This study describes the extent of Internet usage among Malaysian insurers. Some insurers have already begun to use the Internet to conduct their daily business transactions, some are in the midst of planning to use and some do not have plan to use at all. Many of them stated that security, customer readiness and cost of initial investment were important considerations when deciding to adopt Internet technologies.

  7. Evaluating the Welfare of Index Insurance

    DEFF Research Database (Denmark)

    Harrison, Glenn W.; Martínez-Correa, Jimmy; Ng, Jia Min

    accounting for their risk preferences, and structurally decompose the sources of the welfare effects of index insurance. Our results show that the compound risk in index insurance decreases the welfare of index insurance choices made by individuals. The behavioral inability to process compound risks...... decreases welfare when there is a compound risk of loss, whereas loss probability, basis risk and premium only impact the welfare of insurance choices when the risk of loss is expressed in its reduced, non-compound form. We also see, again, that take-up is not a reliable indicator of welfare. Furthermore......, the drivers of increased welfare from index insurance are not be the same drivers of increased take-up, so take-up is not even a useful proxy for guiding policy to improve welfare....

  8. Public health insurance under a nonbenevolent state.

    Science.gov (United States)

    Lemieux, Pierre

    2008-10-01

    This paper explores the consequences of the oft ignored fact that public health insurance must actually be supplied by the state. Depending how the state is modeled, different health insurance outcomes are expected. The benevolent model of the state does not account for many actual features of public health insurance systems. One alternative is to use a standard public choice model, where state action is determined by interaction between self-interested actors. Another alternative--related to a strand in public choice theory--is to model the state as Leviathan. Interestingly, some proponents of public health insurance use an implicit Leviathan model, but not consistently. The Leviathan model of the state explains many features of public health insurance: its uncontrolled growth, its tendency toward monopoly, its capacity to buy trust and loyalty from the common people, its surveillance ability, its controlling nature, and even the persistence of its inefficiencies and waiting lines.

  9. Court rules insurer must honor its promise.

    Science.gov (United States)

    1998-10-01

    Monumental Life Insurance Co. has to pay more than $230,000 to a beneficiary whose partner died of AIDS, shortly after paying the monthly premium for a life insurance policy. Unaware of the health status of the policy holder, a representative from the insurance company granted coverage and gave the policy holder a written statement that showed the amount of coverage of the policy. After the death of the partner, the insurance company told the beneficiary that the amount of coverage promised was a mistake. The beneficiary sued, and it was ruled that the company's letter, and the payment of the monthly premium, constituted a contract that the insurance company was obligated to uphold.

  10. [Fatal motorcycle, motorbike and bicycle accidents. Cases from the medico-legal sector of Parma (1973-82)].

    Science.gov (United States)

    Gennari, M; Laudano, M

    1986-01-01

    The data of the Institute of Legal Medicine and Insurance of the University of Parma regarding mortal motorcycle, motorbicycle and cycling accidents for a ten year period is cited (1973-1982) (296 cases). The data show a very high incidence of cranio-facial lesions (83.5%) which is the absolute most frequent cause of death (58.5%). The appeal for the promulgation of a rider's helmet as obligatory in Italy thus becomes an urgency. The high percentage of mortal accidents amongst cyclists and the substantial correspondence to the traumatology of motorcyclists senders towards this category of road users the need for similar preventive measures, if these can't be resolved with helmets for practical reasons, it is necessary to solicit more severe and drastic control for the respect of circulation regulations by them. On the other hand it is necessary to take measures capable of guaranteeing a way (lane for cyclists).

  11. Iodine behaviour in severe accidents

    Energy Technology Data Exchange (ETDEWEB)

    Dutton, L.M.C.; Grindon, E.; Handy, B.J.; Sutherland, L. [NNC Ltd., Knutsford (United Kingdom); Bruns, W.G.; Sims, H.E. [AEA Technology, Harwell (United Kingdom); Dickinson, S. [AEA Technology, Winfrith (United Kingdom); Hueber, C.; Jacquemain, D. [IPSN/CEA, Cadarache, Saint Paul-Lez-Durance (France)

    1996-12-01

    A description is given of analyses which identify which aspects of the modelling and data are most important in evaluating the release of radioactive iodine to the environment following a potential severe accident at a PWR and which identify the major uncertainties which affect that release. Three iodine codes are used namely INSPECT, IODE and IMPAIR, and their predictions are compared with those of the PSA code MAAP. INSPECT is a mechanistic code which models iodine behaviour in the aqueous aerosol, spray water and sump water, and the partitioning of volatile species between the aqueous phases and containment gas space. Organic iodine is not modelled. IODE and IMPAIR are semi-empirical codes which do not model iodine behaviour in the aqueous aerosol, but model organic iodine. The fault sequences addressed are based on analyses for the Sizewell `B` design. Two types of sequence have been analysed.: (a) those in which a major release of fission products from the primary circuit to the containment occur, e.g. a large LOCAS, (b) those where the release by-passes the containment, e.g. a leak into the auxiliary building. In the analysis of the LOCA sequences where the pH of the sump is controlled to be a value of 8 or greater, all three codes predict that the oxidation of iodine to produce gas phase species does not make a significant contribution to the source term due to leakage from the reactor building and that the latter is dominated by iodide in the aerosol. In the case where the pH of the sump is not controlled, it is found that the proportion of gas phase iodine increases significantly, although the cumulative leakage predicted by all three codes is not significantly different from that predicted by MAAP. The radiolytic production of nitric acid could be a major factor in determining the pH, and if the pH were reduced, the codes predict an increase in gas phase iodine species leaked from the containment. (author) 4 figs., 7 tabs., 13 refs.

  12. Health-insurance products and plan options.

    Science.gov (United States)

    Youkstetter, W D

    1990-10-01

    Trends in health insurance are discussed, with emphasis on insurers' efforts to offer an array of cost-effective plans tailored to the needs of employers and subscribers. Health-insurance companies, responding to employers' demands to curtail the rising costs of premiums, now offer a variety of insurance products. While indemnity plans, health maintenance organizations (HMOs), and preferred-provider organizations (PPOs) remain as the three basic types of plans, insurers are combining these elements in different ways, creating dual- and triple-option plans that consist of indemnity insurance and an HMO, a PPO and an HMO, or other variations. Insurers offering multiple options may effect internal cost savings through shared personnel and administrative expenses. Four factors influence the development and marketing of insurance products: cost and volume of healthcare services, adverse selection, competition, and the profit incentive. Many of the insurance products have been developed in response to requests for maximum freedom of choice of provider; as an example, the fastest-growing HMO product in 1989 was the point-of-service HMO, which allows the subscriber to seek care from a provider who is not part of the HMO network. PPOs and exclusive-provider organizations (EPOs) are growing; these are often organized by hospitals or physician networks. Among the new trends in product-line development are "riders" for specialty services such as vision care and prescription drugs. As competition intensifies, marketing efforts are focusing on previously overlooked groups such as the small employer and certain ethnic communities. Cost and freedom of choice will remain important criteria in the selection of insurance products.(ABSTRACT TRUNCATED AT 250 WORDS)

  13. MARKETING STRATEGY OF COMMERCIAL HEALTH INSURANCE COMPANY

    Directory of Open Access Journals (Sweden)

    Cut Zaraswati

    2017-01-01

    Full Text Available The objectives of this research are to: 1 compare the effect of premium earnings products of health insurances after the launching of national social health insurance (JKN-BPJS (Badan Penyelenggara Jaminan Sosial for health; 2 analyze the internal and external factors of private/commercial health insurance companies; 3 formulate a marketing strategyy for health insurance product after the operation of JKN-BPJS for health.  It is a challenge for commercial health insurance to survive and thrive with the existence of JKN-BPJS for health which is compulsory to Indonesia’s citizens to be a member. The research begins by analyzing premium earnings of the commercial health insurance company one year before and after the implementation of JKN-BPJS for health, the intensive interviews and questionnaires to the chosen resource person (purposive samplings, the analysis on Internal Factor Evaluation (IFE, External Factor Evaluation (EFE, Matrix IE and SWOT are used in the research. Then it is continued by arranging a strategic priority using Analytical Hierarchy Process (AHP.  The result from the research is there is totally no decreasing premium earnings for the commercial health insurance company although the growth trend shows a slight drop.  The appropriate strategy for the health insurance company in the commercial sector is the differentiation where the implication is involving customer service quality improvement, product innovation, and technology and infrastructure development.      Keywords:  commercial health insurance company, Marketing Strategy, AHP Analysis, national social health insurance

  14. Development of model for insurance risk management and its application to insurance companies operating in the Serbian market

    OpenAIRE

    Mirjana M. Ilic; Veselin Avdalovic; Milica D. Obadovic

    2011-01-01

    The literature on the topic of risk management in insurance generally separately treat insurance risk and insurance company risk, however such a separate treatment of risk excludes a third type of risk which is defined here, that is the risk of incorrectly calculating insurance risk, which causes uncertainties and disruptions in the operations of an insurance company and its concept of risk management arising from its activities. This paper presents a Model developed for insurance risk manage...

  15. Local governments' roles of the compensation for damage by the Tokai JCO criticality accident

    Energy Technology Data Exchange (ETDEWEB)

    Tanabe, Tomoyuki [Central Research Inst. of Electric Power Industry, Tokyo (Japan). Socio-Economic Research Center

    2003-03-01

    The Tokai JCO criticality accident on September 30, 1999 was the first case to which The Law on Compensation for Nuclear Damage was applied. Although the Law on Compensation for Nuclear Damage formulates the outline of the institutional framework for nuclear third party liability together with operator's insurance scheme, details of actual compensation procedure are not specified. By this reason, the compensation procedure in the Tokai accident had been executed without a concrete legal specification and a precedent. In spite of this situation, the compensation procedure with the accident led to an unexpectedly successful result. We observe the several reasons why the compensation procedure was implemented successfully despite the lack of concrete legal specification and a precedent. One of the reasons is that the local governments, Tokai Village and Ibaraki Prefecture, immediately took the leadership in implementing a temporary regime of compensation procedure without wasting time for waiting national government's directives. Upon practicing this compensation procedure, the local governments implemented the following steps. (1) Initial estimation of the amount and scope of damage. (2) Providing the criteria and heads of damage subject to compensation. (3) Unitary compensation procedure at the local levels. (4) Distribution of emergency payments for the victims. (5) Facilitating compensatory negotiation between the victims and JCO as arbitrator. However, some concerns are also pointed out about the fact that the local government directed the whole procedure without sufficient adjustment with the national government for compensation policy. Among all, in the compensation led by the local governments, it was difficult to guarantee fairness of compensation because victims who are influential on the local government such as industrial associations would have unfairly strong negotiation power in the compensatory negotiation, while the operator being

  16. Attitudes and decisions of the motor insurance buyers in Poland

    Directory of Open Access Journals (Sweden)

    Marta Borda

    2012-12-01

    Full Text Available Motor insurance constitutes the most popular type of insurance products purchased in Poland and consequently the largest part of non-life insurance sector. In this paper the selected results of the questionnaire survey concerning attitudes and choices of the motor insurance buyers on the Polish market are presented. First, the current situation on the Polish motor insurance market is discussed. Next, the scope of the motor insurance held by respondents, their forms and used distribution channels are analysed. The stress is put on the level of the customers` loyalty to the current insurer, as well as the factors influencing the choice of a specific insurance company and its offer. Finally, the results of the analysis concerning the statistical interdependencies between selected characteristics of the respondents are considered.The conducted research can be useful in practice for the insurance companies, interested in improving their motor insurance offer, as well as the insurance intermediaries serving individual customers

  17. [Quantum physics, medicine and insurance].

    Science.gov (United States)

    Lambeck, M

    2007-12-01

    Medicine based on natural sciences explains the action of remedies by the chemical bonding of the molecules of the remedy and of the body. This bonding takes place at distances of about 10(-10) m. Several insurance companies pay all medical treatments listed in the Hufeland catalogue of special therapeutical methods. Many of these methods contradict the mechanism mentioned above: Homoeopathy and anthroposophical medicine use substances in which the remedy is not present as matter. Bioenergetic methods like electroacupuncture according to Voll (EAV) and bioresonance use the remedies not inside the body but outside of it. They claim to substitute the chemical bonding of matter waves with the information of electromagnetic waves. The explanation given in the Hufeland catalogue by means of quantum physics is discussed and further investigations are proposed.

  18. Demystifiying state health insurance marketplaces.

    Science.gov (United States)

    Hahn, Joyce A; Sheingold, Brenda Helen; Ott, Karen M

    2013-01-01

    The state health insurance exchanges, mandated under the Patient Protection and Affordable Care Act, will impact how health care is delivered and reimbursed, and will touch the lives of nurses in all professional roles. The dynamics of how each model will operate within each state is currently a work in progress. Nurses have a tradition of providing voice and leadership in the health care reform arena from the unique position as both consumers and health care professionals. The time is right to contact state legislators and advocate for nurses to sit on the governing boards of the state health care exchanges. Communication between nurses in all states should be an ongoing dialogue through specialty and state nursing organizations to ensure nursing is aware of both issues and best practices nationwide.

  19. THE PERSISTENCE OF INSURERS PROFITABILITY

    Directory of Open Access Journals (Sweden)

    Maja Pervan

    2013-02-01

    Full Text Available Most of the academic researches have analyzed the persistence of profit for the manufacturing and (non-financial services sector. These studies were mainly conducted in advance market economies. In order to shed some light on the issue of persistence in corporate rates of return, this research aims to examine the persistence of profitability of financial entities i.e. non-life insurance companies operating in an emerging market economy, Croatia. In order to determine persistence of insurers’ profitability, a Markov Chains stochastic process is applied on the profitability classes that were formulated based on the changes of insurers’ ROA (return on assets indicator during the period from 2002 to 2011. The empirical results showed that profit persistence was more likely to occur within moderate profit classes/states.

  20. 78 FR 68103 - Transamerica Life Insurance Company, et al; Notice of Application

    Science.gov (United States)

    2013-11-13

    ... COMMISSION Transamerica Life Insurance Company, et al; Notice of Application November 6, 2013. AGENCY: The.... Applicants: Transamerica Life Insurance Company (``TLIC''), Transamerica Financial Life Insurance Company...: Transamerica Life Insurance Company and Separate Account VA B, Transamerica Financial Life Insurance......

  1. Enhanced Accident Tolerant LWR Fuels: Metrics Development

    Energy Technology Data Exchange (ETDEWEB)

    Shannon Bragg-Sitton; Lori Braase; Rose Montgomery; Chris Stanek; Robert Montgomery; Lance Snead; Larry Ott; Mike Billone

    2013-09-01

    The Department of Energy (DOE) Fuel Cycle Research and Development (FCRD) Advanced Fuels Campaign (AFC) is conducting research and development on enhanced Accident Tolerant Fuels (ATF) for light water reactors (LWRs). This mission emphasizes the development of novel fuel and cladding concepts to replace the current zirconium alloy-uranium dioxide (UO2) fuel system. The overall mission of the ATF research is to develop advanced fuels/cladding with improved performance, reliability and safety characteristics during normal operations and accident conditions, while minimizing waste generation. The initial effort will focus on implementation in operating reactors or reactors with design certifications. To initiate the development of quantitative metrics for ATR, a LWR Enhanced Accident Tolerant Fuels Metrics Development Workshop was held in October 2012 in Germantown, MD. This paper summarizes the outcome of that workshop and the current status of metrics development for LWR ATF.

  2. Predicting road accidents: Structural time series approach

    Science.gov (United States)

    Junus, Noor Wahida Md; Ismail, Mohd Tahir

    2014-07-01

    In this paper, the model for occurrence of road accidents in Malaysia between the years of 1970 to 2010 was developed and throughout this model the number of road accidents have been predicted by using the structural time series approach. The models are developed by using stepwise method and the residual of each step has been analyzed. The accuracy of the model is analyzed by using the mean absolute percentage error (MAPE) and the best model is chosen based on the smallest Akaike information criterion (AIC) value. A structural time series approach found that local linear trend model is the best model to represent the road accidents. This model allows level and slope component to be varied over time. In addition, this approach also provides useful information on improving the conventional time series method.

  3. A Review of Criticality Accidents 2000 Revision

    Energy Technology Data Exchange (ETDEWEB)

    Thomas P. McLaughlin; Shean P. Monahan; Norman L. Pruvost; Vladimir V. Frolov; Boris G. Ryazanov; Victor I. Sviridov

    2000-05-01

    Criticality accidents and the characteristics of prompt power excursions are discussed. Sixty accidental power excursions are reviewed. Sufficient detail is provided to enable the reader to understand the physical situation, the chemistry and material flow, and when available the administrative setting leading up to the time of the accident. Information on the power history, energy release, consequences, and causes are also included when available. For those accidents that occurred in process plants, two new sections have been included in this revision. The first is an analysis and summary of the physical and neutronic features of the chain reacting systems. The second is a compilation of observations and lessons learned. Excursions associated with large power reactors are not included in this report.

  4. Assessment of CRBR core disruptive accident energetics

    Energy Technology Data Exchange (ETDEWEB)

    Theofanous, T.G.; Bell, C.R.

    1984-03-01

    The results of an independent assessment of core disruptive accident energetics for the Clinch River Breeder Reactor are presented in this document. This assessment was performed for the Nuclear Regulatory Commission under the direction of the CRBR Program Office within the Office of Nuclear Reactor Regulation. It considered in detail the accident behavior for three accident initiators that are representative of three different classes of events; unprotected loss of flow, unprotected reactivity insertion, and protected loss of heat sink. The primary system's energetics accommodation capability was realistically, yet conservatively, determined in terms of core events. This accommodation capability was found to be equivalent to an isentropic work potential for expansion to one atmosphere of 2550 MJ or a ramp rate of about 200 $/s applied to a classical two-phase disassembly.

  5. Internal Accident Report: fill it out!

    CERN Multimedia

    2012-01-01

    It is important to report all accidents, near-misses and dangerous situations so that they can be avoided in the future.   Reporting these events allows the relevant services to take appropriate action and implement corrective and preventive measures. It should be noted that the routing of the internal accident report was recently changed to make sure that the people who need to know are informed. Without information, corrective action is not possible. Without corrective action, there is a risk that the events will recur. As soon as you experience or see something amiss, fill out an internal accident report! If you have any questions the HSE Unit will be happy to answer them. Contact us at safety-general@cern.ch. The HSE Unit

  6. Agricultural implications of the Fukushima nuclear accident

    Science.gov (United States)

    Nakanishi, Tomoko M.

    2016-01-01

    More than 4 years has passed since the accident at the Fukushima Nuclear Power Plant. Immediately after the accident, 40 to 50 academic staff of the Graduate School of Agricultural and Life Sciences at the University of Tokyo created an independent team to monitor the behavior of the radioactive materials in the field and their effects on agricultural farm lands, forests, rivers, animals, etc. When the radioactive nuclides from the nuclear power plant fell, they were instantly adsorbed at the site where they first touched; consequently, the fallout was found as scattered spots on the surface of anything that was exposed to the air at the time of the accident. The adsorption has become stronger over time, so the radioactive nuclides are now difficult to remove. The findings of our study regarding the wide range of effects on agricultural fields are summarized in this report. PMID:27538845

  7. Reconfigurable mobile manipulation for accident response

    Energy Technology Data Exchange (ETDEWEB)

    ANDERSON,ROBERT J.; MORSE,WILLIAM D.; SHIREY,DAVID L.; CDEBACA,DANIEL M.; HOFFMAN JR.,JOHN P.; LUCY,WILLIAM E.

    2000-06-06

    The need for a telerobotic vehicle with hazard sensing and integral manipulation capabilities has been identified for use in transportation accidents where nuclear weapons are involved. The Accident Response Mobile Manipulation System (ARMMS) platform has been developed to provide remote dexterous manipulation and hazard sensing for the Accident Response Group (ARG) at Sandia National Laboratories. The ARMMS' mobility platform is a military HMMWV [High Mobility Multipurpose Wheeled Vehicle] that is teleoperated over RF or Fiber Optic communication channels. ARMMS is equipped with two high strength Schilling Titan II manipulators and a suite of hazardous gas and radiation sensors. Recently, a modular telerobotic control architecture call SMART (Sandia Modular Architecture for Robotic and Teleoperation) has been applied to ARMMS. SMART enables input devices and many system behaviors to be rapidly configured in the field for specific mission needs. This paper summarizes current SMART developments applied to ARMMS.

  8. DEVELOPMENT OF INSURANCE INTERMEDIARIES IN THE DEVELOP EUROPEAN COUNTRIES

    Directory of Open Access Journals (Sweden)

    D. Nesterova

    2016-03-01

    Full Text Available The article presents theoretical and practical approaches in determining the features of insurance intermediation. It characterizes the traditional model of selling insurance products and modern multi-channel sales model of insurance services. It identifies the main legal acts that regulate the activities of insurance intermediaries in the European Union. In the article analyzed the activity of insurance intermediaries in the EU. The main channels of sales of insurance products are determined. The shares of premiums of insurance intermediaries in the volume of insurance premiums and in the GDP of the insurance markets of European countries are defined. The number of employees who are involved in insurance intermediary in the European countries is investigated. The European experience of insurance agents and insurance brokers in non-life insurance and life insurance is considered. It's analyzed the activity of insurance brokers in the Ukraine. The main trends and problems of the development of insurance intermediaries in the insurance market of Ukraine are defined.

  9. MDCT findings in sports and recreational accidents

    Energy Technology Data Exchange (ETDEWEB)

    Bensch, Frank V; Koivikko, Mika P; Koskinen, Seppo K (Dept. of Radiology, Toeoeloe Hospital, Helsinki (Finland)), email: frank.bensch@hus.fi

    2011-12-15

    Background. Sports and recreational accidents involving critical areas of the body occur commonly in the general population. Reports on their demographics and recommendations for screening procedures are, however, few. Purpose. To assess injuries of the craniofacial area, spine, and torso resulting from sports and recreational accidents with multidetector computed tomography (MDCT) as primary imaging method in a Level I trauma center. Material and Methods. All emergency room CT requests over a time span of 105 months were reviewed retrospectively for trauma mechanism and injury. Patients were identified using an electronic picture archiving and communications system (PACS), and MDCT studies interpreted by two radiologists independently. Results. Of a total of 5898 patients, 492 patients (301 boys/men, 191 girls/women, age range 2-76 years, mean 33.5 years, median 29.5 years) with sports or recreational accidents emerged. A total of 102 traumatic findings were diagnosed, thereof 72 (71%) serious. The three most commonly encountered serious injuries were intracranial injury, fractures of facial bones, and vertebral injuries. The three most common injury mechanisms were bicycling, horseback riding, and team ball sports. Patients from recreational activities were on average significantly younger (29.2 years) than those from sports accidents (36.9 years; P < 0.001). Only age groups <21 years and 41-50 years differed in injury severity from the other age groups (P = 0.004 and P = 0.063, respectively). Of all trauma mechanisms, only bicycling had a significantly increased risk of injury (P < 0.001). Conclusion. Injuries in sports and recreational accidents presented with an overall incidence of 21%, of which 71% are serious. The most common mechanisms of injury were bicycling, horseback riding, and team ball sports. The largest incidence of serious injury involved bicycling. Because of the high probability of a serious injury and the high energies that are often involved

  10. Accident progression event tree analysis for postulated severe accidents at N Reactor

    Energy Technology Data Exchange (ETDEWEB)

    Wyss, G.D.; Camp, A.L.; Miller, L.A.; Dingman, S.E.; Kunsman, D.M. (Sandia National Labs., Albuquerque, NM (USA)); Medford, G.T. (Science Applications International Corp., Albuquerque, NM (USA))

    1990-06-01

    A Level II/III probabilistic risk assessment (PRA) has been performed for N Reactor, a Department of Energy (DOE) production reactor located on the Hanford reservation in Washington. The accident progression analysis documented in this report determines how core damage accidents identified in the Level I PRA progress from fuel damage to confinement response and potential releases the environment. The objectives of the study are to generate accident progression data for the Level II/III PRA source term model and to identify changes that could improve plant response under accident conditions. The scope of the analysis is comprehensive, excluding only sabotage and operator errors of commission. State-of-the-art methodology is employed based largely on the methods developed by Sandia for the US Nuclear Regulatory Commission in support of the NUREG-1150 study. The accident progression model allows complex interactions and dependencies between systems to be explicitly considered. Latin Hypecube sampling was used to assess the phenomenological and systemic uncertainties associated with the primary and confinement system responses to the core damage accident. The results of the analysis show that the N Reactor confinement concept provides significant radiological protection for most of the accident progression pathways studied.

  11. Does health insurance continuity among low-income adults impact their children's insurance coverage?

    Science.gov (United States)

    Yamauchi, Melissa; Carlson, Matthew J; Wright, Bill J; Angier, Heather; DeVoe, Jennifer E

    2013-02-01

    Parent's insurance coverage is associated with children's insurance status, but little is known about whether a parent's coverage continuity affects a child's coverage. This study assesses the association between an adult's insurance continuity and the coverage status of their children. We used data from a subgroup of participants in the Oregon Health Care Survey, a three-wave, 30-month prospective cohort study (n = 559). We examined the relationship between the length of time an adult had health insurance coverage and whether or not all children in the same household were insured at the end of the study. We used a series of univariate and multivariate logistic regression models to identify significant associations and the rho correlation coefficient to assess collinearity. A dose response relationship was observed between continuity of adult coverage and the odds that all children in the household were insured. Among adults with continuous coverage, 91.4% reported that all children were insured at the end of the study period, compared to 83.7% of adults insured for 19-27 months, 74.3% of adults insured for 10-18 months, and 70.8% of adults insured for fewer than 9 months. This stepwise pattern persisted in logistic regression models: adults with the fewest months of coverage, as compared to those continuously insured, reported the highest odds of having uninsured children (adjusted odds ratio 7.26, 95% confidence interval 2.75, 19.17). Parental health insurance continuity is integral to maintaining children's insurance coverage. Policies to promote continuous coverage for adults will indirectly benefit children.

  12. Dose estimates from the Chernobyl accident

    Energy Technology Data Exchange (ETDEWEB)

    Lange, R.; Dickerson, M.H.; Gudiksen, P.H.

    1987-11-01

    The Lawrence Livermore National Laboratory Atmospheric Release Advisory Capability (ARAC) responded to the Chernobyl nuclear reactor accident in the Soviet Union by utilizing long-range atmospheric dispersion modeling to estimate the amount of radioactivity released (source term) and the radiation dose distribution due to exposure to the radioactive cloud over Europe and the Northern Hemisphere. In later assessments, after the release of data on the accident by the Soviet Union, the ARAC team used their mesoscale to regional scale model to focus in on the radiation dose distribution within the Soviet Union and the vicinity of the Chernobyl plant. 22 refs., 5 figs., 5 tabs.

  13. Accident Safety Design for High Speed Elevator

    Directory of Open Access Journals (Sweden)

    Tawiwat Veeraklaew

    2012-12-01

    Full Text Available There have been many elevators exist in buildings for such a long time; however, an accident might happen as a free fall due to lacks of maintenance or some other accident such as firing. Although this situation is rarely occurred, many people are still concerned about it. The question here is how to make passengers to feel safe and confident when they are using an elevator, especially, high speed elevator. This problem is studied here in this paper as a free fall spring-mass-damper system with the stiffness and damping coefficient can be computed as minimum jerk of the system with given constraints on trajectories.

  14. Lessons learned from early criticality accidents

    Energy Technology Data Exchange (ETDEWEB)

    Malenfant, R.E.

    1996-06-01

    Four accidents involving the approach to criticality occurred during the period July, 1945, through May, 1996. These have been described in the format of the OPERATING EXPERIENCE WEEKLY SUMMARY which is distributed by the Office of Nuclear and Facility Safety. Although the lessons learned have been incorporated in standards, codes, and formal procedures during the last fifty years, this is their first presentation in this format. It is particularly appropriate that they be presented in the forum of the Nuclear Criticality Technology Safety Project Workshop closest to the fiftieth anniversary of the last of the four accidents, and that which was most instrumental in demonstrating the need to incorporate lessons learned.

  15. LESSONS LEARNED FROM A RECENT LASER ACCIDENT

    Energy Technology Data Exchange (ETDEWEB)

    Woods, Michael; /SLAC

    2011-01-26

    A graduate student received a laser eye injury from a femtosecond Ti:sapphire laser beam while adjusting a polarizing beam splitter optic. The direct causes for the accident included failure to follow safe alignment practices and failure to wear the required laser eyewear protection. Underlying root causes included inadequate on-the-job training and supervision, inadequate adherence to requirements, and inadequate appreciation for dimly visible beams outside the range of 400-700nm. This paper describes how the accident occurred, discusses causes and lessons learned, and describes corrective actions being taken.

  16. Modeling Cycle Dependence in Credit Insurance

    Directory of Open Access Journals (Sweden)

    Anisa Caja

    2014-03-01

    Full Text Available Business and credit cycles have an impact on credit insurance, as they do on other businesses. Nevertheless, in credit insurance, the impact of the systemic risk is even more important and can lead to major losses during a crisis. Because of this, the insurer surveils and manages policies almost continuously. The management actions it takes limit the consequences of a downturning cycle. However, the traditional modeling of economic capital does not take into account this important feature of credit insurance. This paper proposes a model aiming to estimate future losses of a credit insurance portfolio, while taking into account the insurer’s management actions. The model considers the capacity of the credit insurer to take on less risk in the case of a cycle downturn, but also the inverse, in the case of a cycle upturn; so, losses are predicted with a more dynamic perspective. According to our results, the economic capital is over-estimated when not considering the management actions of the insurer.

  17. Experiences obtaining insurance after live kidney donation.

    Science.gov (United States)

    Boyarsky, B J; Massie, A B; Alejo, J L; Van Arendonk, K J; Wildonger, S; Garonzik-Wang, J M; Montgomery, R A; Deshpande, N A; Muzaale, A D; Segev, D L

    2014-09-01

    The impact of kidney donation on the ability to change or initiate health or life insurance following donation is unknown. To quantify this risk, we surveyed 1046 individuals who donated a kidney at our center between 1970 and 2011. Participants were asked whether they changed or initiated health or life insurance after donation, and if they had any difficulty doing so. Among 395 donors who changed or initiated health insurance after donation, 27 (7%) reported difficulty; among those who reported difficulty, 15 were denied altogether, 12 were charged a higher premium and 8 were told they had a preexisting condition because they were kidney donors. Among 186 donors who changed or initiated life insurance after donation, 46 (25%) reported difficulty; among those who reported difficulty, 23 were denied altogether, 27 were charged a higher premium and 17 were told they had a preexisting condition because they were kidney donors. In this single-center study, a high proportion of kidney donors reported difficulty changing or initiating insurance, particularly life insurance. These practices by insurers create unnecessary burden and stress for those choosing to donate and could negatively impact the likelihood of live kidney donation among those considering donation.

  18. A report of five cases of self-mutilation for the purpose of insurance fraud.

    Science.gov (United States)

    Hedjazi, Arya; Hoseinzadeh, Amin; Zarenezhad, Mohammad; Hassanzadeh, Razieh; Mahmoudi, Danesh; Ghadipasha, Masoud

    2013-08-01

    Self-mutilation means direct and deliberate destruction of one's own body tissue without intending suicide. Some of the forensic referrals are the fraudulent persons who wish to obtain insurance benefits by simulating self-induced harms as injuries due to accidents. In this article we report five cases of self-mutilation for the purpose of obtaining insurance payments. These cases were interesting because of the following reasons: (1) Fracture of the tibia bone for the purpose of obtaining insurance payments is extremely rare. To our knowledge, the specialised literature does not present a similar case study as we described here. (2) In the cases we describe here, nobody had prior history of social and psychiatric problems and violence. In addition, on examination, no sign of previous scars was found in the whole body skin. (3) Self-mutilation injuries are often painless, parallel and delicate lines which are most frequently in the upper limb opposite to the dominant hand and in the areas that can be easily reached. In one of our cases, self-mutilation of the leg shin and the dominant hand were on the same side of the body. (4) In our study, all of the cases had high school education and were from small counties. Four patients were within the age range of 20-30 years, living in a populous family (six-member family) and of middle socioeconomic status. These results are consistent with previously available data for self-mutilation in Iran.

  19. The Impact of Changes to the Unemployment Rate on Australian Disability Income Insurance Claim Incidence

    Directory of Open Access Journals (Sweden)

    Gaurav Khemka

    2017-03-01

    Full Text Available We explore the extent to which claim incidence in Disability Income Insurance (DII is affected by changes in the unemployment rate in Australia. Using data from 1986 to 2001, we fit a hurdle model to explore the presence and magnitude of the effect of changes in unemployment rate on the incidence of DII claims, controlling for policy holder characteristics and seasonality. We find a clear positive association between unemployment and claim incidence, and we explore this further by gender, age, deferment period, and occupation. A multinomial logistic regression model is fitted to cause of claim data in order to explore the relationship further, and it is shown that the proportion of claims due to accident increases markedly with rising unemployment. The results suggest that during periods of rising unemployment, insurers may face increased claims from policy holders with shorter deferment periods for white-collar workers and for medium and heavy manual workers. Our findings indicate that moral hazard may have a material impact on DII claim incidence and insurer business in periods of declining economic conditions.

  20. First international workshop on severe accidents and their consequences. [Chernobyl Accident

    Energy Technology Data Exchange (ETDEWEB)

    1989-07-01

    An international workshop on past severe nuclear accidents and their consequences was held in Dagomys region of Sochi, USSR on October 30--November 3, 1989. The plan of this meeting was approved by the USSR Academy of Sciences and by the USSR State Committee of the Utilization of Atomic Energy. The meeting was held under the umbrella of the ANS-SNS agreement of cooperation. Topics covered include analysis of the Chernobyl accident, safety measures for RBMK type reactors and consequences of the Chernobyl accident including analysis of the ecological, genetic and psycho-social factors. Separate reports are processed separately for the data bases. (CBS)

  1. Health insurance: this time we want something concrete

    CERN Multimedia

    Association du personnel

    2010-01-01

    Over the past few months, we have communicated to you a huge amount of information to defend our Pension Fund. Concerning this subject, we can inform you that the mass mobilization on 18 March is bearing fruit, CERN Council now seems to be willing to act. We will have to wait and see, but we are keeping a close eye on things. Today there is concern for the other mainstay of our social security system, the CHIS. Same scenario, same result. They play for time, they wait for the deficit, and then they take “emergency” measures. Drastic measures, we suppose, in line with the financial imbalance observed. These are the measures CERN Council, the Management, and your humble servants will discuss over the coming months in the framework of the current five-yearly review. These are crucial months for the future of our health scheme. In December the die will be cast. The CHIS (CERN Health Insurance Scheme) is divided into two parts, LTC (Long-Term Care) and the HIS (illness and accident cover). L...

  2. Selection on Moral Hazard in Health Insurance

    Science.gov (United States)

    Einav, Liran; Finkelstein, Amy; Ryan, Stephen; Schrimpf, Paul

    2012-01-01

    We use employee-level panel data from a single firm to explore the possibility that individuals may select insurance coverage in part based on their anticipated behavioral (“moral hazard”) response to insurance, a phenomenon we label “selection on moral hazard.” Using a model of plan choice and medical utilization, we present evidence of heterogeneous moral hazard as well as selection on it, and explore some of its implications. For example, we show that, at least in our context, abstracting from selection on moral hazard could lead to over-estimates of the spending reduction associated with introducing a high-deductible health insurance option. PMID:24748682

  3. EXPERT SYSTEMS - DEVELOPMENT OF AGRICULTURAL INSURANCE TOOL

    Directory of Open Access Journals (Sweden)

    NAN Anca-Petruţa

    2013-07-01

    Full Text Available Because of the fact that specialty agricultural assistance is not always available when the farmers need it, we identified expert systems as a strong instrument with an extended potential in agriculture. This started to grow in scale recently, including all socially-economic activity fields, having the role of collecting data regarding different aspects from human experts with the purpose of assisting the user in the necessary steps for solving problems, at the performance level of the expert, making his acquired knowledge and experience available. We opted for a general presentation of the expert systems as well as their necessity, because, the solution to develop the agricultural system can come from artificial intelligence by implementing the expert systems in the field of agricultural insurance, promoting existing insurance products, farmers finding options in depending on their necessities and possibilities. The objective of this article consists of collecting data about different aspects about specific areas of interest of agricultural insurance, preparing the database, a conceptual presentation of a pilot version which will become constantly richer depending on the answers received from agricultural producers, with the clearest exposure of knowledgebase possible. We can justify picking this theme with the fact that even while agricultural insurance plays a very important role in agricultural development, the registered result got from them are modest, reason why solutions need to be found in the scope of developing the agricultural sector. The importance of this consists in the proposal of an immediate viable solution to correspond with the current necessities of agricultural producers and in the proposal of an innovative solution, namely the implementation of expert system in agricultural insurance as a way of promoting insurance products. Our research, even though it treats the subject at an conceptual level, it wants to undertake an

  4. Benefit Reentitlement Conditions in Unemployment Insurance Schemes

    DEFF Research Database (Denmark)

    Andersen, Torben M.; Christoffersen, Mark Strøm; Svarer, Michael

    Unemployment insurance schemes include conditions on past employment history as part of the eligibility conditions. This aspect is often neglected in the literature which primarily focuses on benefit levels and benefit duration. In a search-matching framework we show that benefit duration...... and employment requirements are substitute instruments in affecting job search incentives and thus gross unemployment. We analyse the optimal design of the unemployment insurance system (benefit levels, duration and employment requirements) under a utilitarian social welfare function. Simulations show...... that a higher insurance motive captured by more risk aversion implies higher benefit generosity and more lax employment requirements but also shortened benefit duration....

  5. Preferences and design in insurance and pensions

    DEFF Research Database (Denmark)

    Bruhn, Kenneth

    Life insurance and pension decisions are of the more important fnancial settlements to be decided in a household. In this thesis we investigate dfferent aspects of relevance for decision making within a household, especially focusing on life insurance and pension decisions. The focus......-effects. The focus is on the consumption, investment and life insurance demands. In another modeling framework, we modify the utility measurement and propose a combination of forward and backward looking preferences. At last, a model with very explicit preferences for stability in consumption is investigated and we...

  6. Genetic information and insurance: some ethical issues.

    Science.gov (United States)

    O'Neill, O

    1997-08-29

    Life is risky, and insurance provides one of the best developed ways of controlling risks. By pooling, and so transferring risks, those who turn out to suffer antecedently uncertain harms can be assured in advance that they will be helped if those harms arise; they can then plan their lives and activities with confidence that they are less at the mercy of ill fortune. Both publicly organized and commercial insurance can organize the pooling of risk in ways that are beneficial for all concerned. They provide standard ways of securing fundamental ethical values such as solidarity and mutuality. Although policy holders do not know or contract with one another, each benefits from the contribution of others to a shared scheme for pooling and so controlling risk. Although there is a limit to the degree to which commercially-based insurance, where premiums depend on risk level, can go beyond mutuality towards solidarity, in practice it too often achieves a measure of solidarity by taking a broad brush approach to pooling risk. However, the ordinary practices of insurance, and in particular of commercial insurance, also raise ethical questions. These may be put in simple terms by contrasting the way in which an insurance market discriminates between different people, on the basis of characteristics that (supposedly) determine their risk level, and our frequent abhorrence of discrimination, in particular on the basis on religious, racial and gender characteristics. Are the discriminations on which insurance practice relies upon as standard acceptable or not? The increasing availability of genetic information, which testing (of individuals) and screening (of populations) may provide, could lend urgency to these questions. Genetic information may provide a way of obtaining more accurate assessment of individual risks to health and life. This information could be used to discriminate more finely between the risk levels of different individuals, and then to alter the

  7. Infant mortality: an insured population perspective.

    Science.gov (United States)

    Zimmerman, Daniel D; Roudebush, Brad

    2012-01-01

    Many insurers offer life coverage to individuals during the first year of life. The policies tend to have small face values, but frequently contain premium waiver or additional purchase options. General population mortality is significantly higher at this age relative to older children and even middle-aged adults. This article presents the mortality experience of an insured cohort in which death occurred under 1 year of age. In summary, the insured population's mortality rate was significantly lower and the leading causes of death were different than the general population.

  8. Sum Insured Determination for Cereal, Citrus and Vineyards in the Spanish Agricultural Insurance System

    Science.gov (United States)

    Lozano, C.; Tarquis, A. M.; Gómez-Barona, J. A.

    2012-04-01

    In general, insurance is a form of risk management used to hedge against a contingent loss. The conventional definition is the equitable transfer of a risk of loss from one entity to another in exchange for a premium or a guaranteed and quantifiable small loss to prevent a large and possibly devastating loss being agricultural insurance a special line of property insurance. Agriculture insurance, as actually are designed in the Spanish scenario, were established in 1978. At the macroeconomic insurance studies scale, it is necessary to know a basic element for the insurance actuarial components: sum insured. When a new risk assessment has to be evaluated in the insurance framework, it is essential to determinate venture capital in the total Spanish agriculture. In this study, three different crops (cereal, citrus and vineyards) cases are showed to determinate sum insured as they are representative of the cases found in the Spanish agriculture. Crop sum insured is calculated by the product of crop surface, unit surface production and crop price insured. In the cereal case, winter as spring cereal sowing, represents the highest Spanish crop surface, above to 6 millions of hectares (ha). Meanwhile, the four citrus species (oranges, mandarins, lemons and grapefruits) occupied an extension just over 275.000 ha. On the other hand, vineyard target to wine process shows almost one million of ha in Spain. A new method has been applied to estimate crop sum insured in these three cases. Under the maximum economic impact assumption, the maximum market price has been used to insurance each species. Depending on crop and reliability of the data base available, the insured area or insured production has been used in this estimation. When for a certain crop varieties or type of varieties show different insurance prices a geometric average was used as average insurance price for that particular crop. One extreme difficult case was vineyards, where differentiate prices based on

  9. Social care and changes in occupational accidents and diseases - the situation in Eastern Europe in general and for skin diseases in particular

    Directory of Open Access Journals (Sweden)

    Nienhaus Albert

    2009-11-01

    Full Text Available Abstract Background As a consequence of the disintegration of the state systems and the expansion of the European Union, there have been marked changes in the political and social affiliations of the countries of Eastern Europe. Of the 22 countries in Northeastern, Centraleastern, Southeastern and Eastern Europe, 12 are now members and 10 are "new" neighbours of the European Union. The accident insurance systems and changes in occupational accidents and occupational diseases in eastern European countries are described. Changes since EU and visible differences from non-EU countries are analysed. Special emphasis is given to occupational skin diseases. Methods The available data from the European Union (MISSOC and MISSCEEC Studies on the Social Protection Systems, the database "Social Security Worldwide" (SSW of the International Social Security Association (ISSA, the International Labour Office Database (LABORSTA, the World Health Organization (WHO and the annual statistical reports of the different countries were analysed with respect to changes in occupational accidents and occupational diseases. To find missing data, 128 ministries and authorities in the 22 countries in eastern Europe were researched and 165 persons contacted. Results The social insurance systems were very different in the different countries and some were better established than others. Moreover, not all data were available. For these reasons, detailed comparison was not always possible. The occupational accident rates are decreasing in more than half the countries. In contrast, the fatal accident rates have increased in half the countries. The number of newly registered occupational diseases is decreasing in more than half the countries. The rates for occupational skin diseases in 2006 were particularly high in the Czech Republic, Poland and Slovakia. In half the countries (four out of eight, the number of occupational skin diseases is decreasing. A reliable analysis of any

  10. NEW VECTORS OF THE MOTOR INSURANCE DEVELOPMENT IN UKRAINE

    Directory of Open Access Journals (Sweden)

    N. Prikazyuk

    2015-04-01

    Full Text Available The essence and features of different forms of motor insurance are studied. As investigated, the motor insurance is one of the most popular types of insurance in many countries, and continues its further quality development. It is stated that the following new vectors of development has been recently observed in developed countries: Internet sales are getting significantly prevalent along with the traditional channels of insurance distribution; insurers’ websites provide a wide range of online features in motor insurance; innovations in motor insurance based on the use of telematics, particularly the usage-based insurance, are widely spread. Basic types of motor insurance, which represent the domestic market, are analyzed. It was found that the share of motor insurance in the insurance market of Ukraine is significant. As established, the proportion of net premiums of motor insurance is decreasing, because its development is significantly influenced by economic factors. Measures, applied by insurance companies in the domestic market of motor insurance to attract new customers and retain the existing ones, are defined. In particular, insurers are trying to develop the implementation of insurance services online, and use possibilities offered by mobile technologies. It was found that the domestic market of motor insurance is characterized by a high level of fraud, that is why some innovative measures in the domestic and international motor insurance agreements are taken to decrease it, such as the introduction of mandatory registration of insurance agents, who have the right to perform mediatory activity in compulsory civil liability insurance of owners of motor vehicles (CCLIOMV, and procedures for contracting the international insurance “Green Card” agreements with simultaneous entering the information on concluded agreement into a unified centralized database of Motor (transport insurance bureau of Ukraine using the “Green Card online

  11. 12 CFR 740.3 - Advertising of excess insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Advertising of excess insurance. 740.3 Section... ACCURACY OF ADVERTISING AND NOTICE OF INSURED STATUS § 740.3 Advertising of excess insurance. Any advertising that mentions share or savings account insurance provided by a party other than the NCUA...

  12. Pricing Insurance and Warranties: Ambiguity and Correlated Risks

    Science.gov (United States)

    1988-11-01

    profit. Boston: Houghton Mifflin. Kunreuther, H. (1987). Problems and issues of environmental liability insurance. The Geneva Papers on Risk and Insurance , 12...324-329. Stone, J. (1973). A theory of capacity and the insurance of catastrophe risks (Part I). Journal of Risk and Insurance , 40, 231-243. Tetlock

  13. SIMULATION OF THE INSURANCE COMPANY’S MARKETING STRATEGY

    Directory of Open Access Journals (Sweden)

    О. Klepikova

    2013-05-01

    Full Text Available The article is devoted the development of marketing strategy of the insurance company with using of mathematical modeling of structures. The algorithm was developed for calculating the coefficient of “probability of insurance policy acquisition” which accumulates the influence of factors related to the feature of providing insurance services and financial activities of the insurance company.

  14. "What the Board Needs To Know About Insurance."

    Science.gov (United States)

    Podesta, Victor J.

    This speech describes local school board concern over rising insurance costs, suggests an insurance pool for New Jersey public schools under Department of Education control, and discusses other insurance matters of concern to school boards. The author observes that a State Department sampling of insurance brokers who carry the bulk of student…

  15. 48 CFR 28.308 - Self-insurance.

    Science.gov (United States)

    2010-10-01

    ... contractor's latest financial statements; (5) Any self-insurance feasibility studies or insurance market surveys reporting comparative alternatives; (6) Loss history, premiums history, and industry ratios; (7) A... projected average loss; and (10) A disclosure of all captive insurance company and re-insurance...

  16. 46 CFR 308.104 - Additional war risk insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional war risk insurance. 308.104 Section 308.104 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.104 Additional war risk insurance. Owners or charterers...

  17. 46 CFR 308.401 - Eligibility for insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Eligibility for insurance. 308.401 Section 308.401 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.401 Eligibility for insurance. A vessel is eligible for...

  18. Insurance and Risk Management at the National Outdoor Leadership School.

    Science.gov (United States)

    Chu, Lantien

    1990-01-01

    Describes how an outdoor program specializing in wilderness expeditions approaches risk management, liability, and insurance. Discusses maintaining good communications with insurance agents, managing crisis situations, participating in program audits, reading the fine print, international insurance coverage, and the basis for insurance premiums.…

  19. 46 CFR 308.402 - Insurance during vessel construction period.

    Science.gov (United States)

    2010-10-01

    ... RISK INSURANCE War Risk Builder's Risk Insurance § 308.402 Insurance during vessel construction period... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance during vessel construction period. 308.402... inclusion as part of the vessel becomes at risk at the shipyard of the builder to the date and time...

  20. 46 CFR 308.107 - War risk hull insurance policy.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false War risk hull insurance policy. 308.107 Section 308.107 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.107 War risk hull insurance policy. Standard Form...

  1. 7 CFR 457.109 - Sugar Beet Crop Insurance Provisions.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Sugar Beet Crop Insurance Provisions. 457.109 Section... CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.109 Sugar Beet Crop Insurance Provisions. The Sugar Beet Crop Insurance Provisions for the 1998 and succeeding crop years in countries...

  2. China's 1st domestic insurer launches operations

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    Union Life Insurance has started operations. It's one of 18 locally funded domestic insurance companies, recently approved by the China Insurance Regulatory Commission, in Wuhan, Hubei Province. This is the first domestic insurance company to open its doors, in the past nine years.

  3. The Swedish national dental insurance and dental health care policy

    DEFF Research Database (Denmark)

    Moore, Rod

    1981-01-01

    Sweden initiated a dental health care insurance in 1973. The health insurance is outlined, current problems and political issues are described. The benefits and limitations are described.......Sweden initiated a dental health care insurance in 1973. The health insurance is outlined, current problems and political issues are described. The benefits and limitations are described....

  4. Health insurance and switching behavior : Evidence from the Netherlands

    NARCIS (Netherlands)

    Beest, van F.; Lako, C.J.; Sent, E.-M.

    2012-01-01

    Introduction: Since the introduction of the Health Insurance Act in the Netherlands in 2006, insur- ers are incentivized to compete on prices for basic health insurance, and on price and quality for supplementary insurance. The new health in- surance system aimed to create a more com- petitive marke

  5. Dutch health insurance reform: the new role of collectives.

    NARCIS (Netherlands)

    Groenewegen, P.P.; Jong, J.D. de

    2007-01-01

    In the new Dutch health insurance system individuals have the option of joining a collective insurance contract. Insurers are allowed to offer premium reductions of up to 10% to members of collectives, based on the number of insurees. Collectives might exert more influence on insurers than individua

  6. 5 CFR 870.402 - Withholdings for Optional insurance.

    Science.gov (United States)

    2010-01-01

    ... which his/her birthday occurs. (3) When OPM makes any adjustment to the Optional life insurance premiums... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Cost of Insurance § 870.402... amount of Optional life insurance deductions from an individual's pay, annuity, or compensation,...

  7. 38 CFR 8.3 - Revival of insurance.

    Science.gov (United States)

    2010-07-01

    ... life insurance which are equal to or greater in amount than the total of the monthly premiums which... income provision lapsed at the same time as the life insurance, the premium for the provision will be... INSURANCE Premiums § 8.3 Revival of insurance. (a) If the sole reason death or total disability...

  8. 12 CFR 339.7 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Forced placement of flood insurance. 339.7... GENERAL POLICY LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS § 339.7 Forced placement of flood insurance. If... not covered by flood insurance or is covered by flood insurance in an amount less than the...

  9. 12 CFR 572.7 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Forced placement of flood insurance. 572.7... HAVING SPECIAL FLOOD HAZARDS § 572.7 Forced placement of flood insurance. If a savings association, or a... not covered by flood insurance or is covered by flood insurance in an amount less than the...

  10. 12 CFR 760.7 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Forced placement of flood insurance. 760.7... LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS § 760.7 Forced placement of flood insurance. If a credit... not covered by flood insurance, or is covered by flood insurance in an amount less than the...

  11. 75 FR 60833 - Jackson National Life Insurance Company, et al.;

    Science.gov (United States)

    2010-10-01

    ... COMMISSION Jackson National Life Insurance Company, et al.; Notice of Application September 27, 2010. AGENCY... National Life Insurance Company (``Jackson''), Jackson National Life Insurance Company of New York... Companies and serve as the underlying investment vehicles for the variable life insurance contracts...

  12. 26 CFR 1.819-2 - Foreign life insurance companies.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Foreign life insurance companies. 1.819-2... TAX (CONTINUED) INCOME TAXES Miscellaneous Provisions § 1.819-2 Foreign life insurance companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign life insurance...

  13. 32 CFR 552.67 - Life insurance policy content.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 3 2010-07-01 2010-07-01 true Life insurance policy content. 552.67 Section 552... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army installations... premium based on the length of time the policy has been in force. (f) Variable life insurance policies...

  14. Life, health, and disability insurance: understanding the relationships.

    Science.gov (United States)

    Jerry, Robert H

    2007-01-01

    Communitarian values are stronger in health insurance than in life or disability insurance. This correlates with increased tolerance for insurers' use of genetic information in disability insurance underwriting, which, in turn, is relevant to the scope and content of proposals to regulate such use.

  15. Violent deaths among composers (accidents, drownings and murders)

    OpenAIRE

    Breitenfeld, Darko; Vodanović, Marijo; Akrap, Ankica; Juran, Dominik; Kranjčec, Darko; Vuksanović, Marina

    2015-01-01

    In this study, we described different accidents, drowning and murders as the main cause of death among 145 composers. We included accidents (48 composers), drowning (26 composers) and murders (71 composers) which were mainly fatal, and premature. Accidents are the third leading cause of deaths today. Murders were often during the wars and revolutions (World War I, II, French, Russian revolution). We mentioned all of the etiologies of these accidents, drowning and murders according to the c...

  16. Accidents due to falls from roof slabs

    Directory of Open Access Journals (Sweden)

    Bruno Alves Rudelli

    Full Text Available CONTEXT AND OBJECTIVE Falls from the roof slabs of houses are accidents of high potential severity that occur in large Brazilian cities and often affect children and adolescents. The aims of this study were to characterize the factors that predispose towards this type of fall involving children and adolescents, quantify the severity of associated lesions and suggest preventive measures. DESIGN AND SETTING Descriptive observational prospective longitudinal study in two hospitals in the metropolitan region of São Paulo. METHODS Data were collected from 29 cases of falls from roof slabs involving children and adolescents between October 2008 and October 2009. RESULTS Cases involving males were more prevalent, accounting for 84%. The predominant age group was schoolchildren (7 to 12 years old; 44%. Leisure activities were most frequently being practiced on the roof slab at the time of the fall (86%, and flying a kite was the most prevalent game (37.9%. In 72% of the cases, the children were unaccompanied by an adult responsible for them. Severe conditions such as multiple trauma and traumatic brain injuries resulted from 79% of the accidents. CONCLUSION Falls from roof slabs are accidents of high potential severity, and preventive measures aimed towards informing parents and guardians about the dangers and risk factors associated with this type of accident are needed, along with physical protective measures, such as low walls around the slab and gates with locks to restrict free access to these places.

  17. Severe Accident Test Station Activity Report

    Energy Technology Data Exchange (ETDEWEB)

    Pint, Bruce A [ORNL; Terrani, Kurt A [ORNL

    2015-06-01

    Enhancing safety margins in light water reactor (LWR) severe accidents is currently the focus of a number of international R&D programs. The current UO2/Zr-based alloy fuel system is particularly susceptible since the Zr-based cladding experiences rapid oxidation kinetics in steam at elevated temperatures. Therefore, alternative cladding materials that offer slower oxidation kinetics and a smaller enthalpy of oxidation can significantly reduce the rate of heat and hydrogen generation in the core during a coolant-limited severe accident. In the U.S. program, the high temperature steam oxidation performance of accident tolerant fuel (ATF) cladding solutions has been evaluated in the Severe Accident Test Station (SATS) at Oak Ridge National Laboratory (ORNL) since 2012. This report summarizes the capabilities of the SATS and provides an overview of the oxidation kinetics of several candidate cladding materials. A suggested baseline for evaluating ATF candidates is a two order of magnitude reduction in the steam oxidation resistance above 1000ºC compared to Zr-based alloys. The ATF candidates are categorized based on the protective external oxide or scale that forms during exposure to steam at high temperature: chromia, alumina, and silica. Comparisons are made to literature and SATS data for Zr-based alloys and other less-protective materials.

  18. ANS severe accident program overview & planning document

    Energy Technology Data Exchange (ETDEWEB)

    Taleyarkhan, R.P.

    1995-09-01

    The Advanced Neutron Source (ANS) severe accident document was developed to provide a concise and coherent mechanism for presenting the ANS SAP goals, a strategy satisfying these goals, a succinct summary of the work done to date, and what needs to be done in the future to ensure timely licensability. Guidance was received from various bodies [viz., panel members of the ANS severe accident workshop and safety review committee, Department of Energy (DOE) orders, Nuclear Regulatory Commission (NRC) requirements for ALWRs and advanced reactors, ACRS comments, world-wide trends] were utilized to set up the ANS-relevant SAS goals and strategy. An in-containment worker protection goal was also set up to account for the routine experimenters and other workers within containment. The strategy for achieving the goals is centered upon closing the severe accident issues that have the potential for becoming certification issues when assessed against realistic bounding events. Realistic bounding events are defined as events with an occurrency frequency greater than 10{sup {minus}6}/y. Currently, based upon the level-1 probabilistic risk assessment studies, the realistic bounding events for application for issue closure are flow blockage of fuel element coolant channels, and rapid depressurization-related accidents.

  19. Diving Accidents. Analyses of Underlying Variables.

    Science.gov (United States)

    1984-05-01

    Nitrogen narcosis 3 0.3 bad gas 3 0.3 Total 1,036 100.1 1,033 100.2 Another factor of potential relevance in mishap occurrence was the time of day...exposure air, and nitrogen -oxygen equivalent air were all at relatively high risk of terminating in a mishap. Accident rates for the other variables

  20. Accidents with biological material in workers

    Directory of Open Access Journals (Sweden)

    Cleonice Andréa Alves Cavalcante

    2013-11-01

    Full Text Available The objective was to describe the accidents with biological material occurred among workers of Rio Grande do Norte, Brazil, between 2007 and 2009. Secondary data were collected in the National Notifiable Diseases Surveillance System by exporting data to Excel using Tabwin. Among the types of occupational accidents reported in the state, the biological accidents (no. = 1,170 accounted for 58.3% with a predominance of cases among nurses (48.6%. The percutaneous exposure was the most frequent occurrence and the circumstances of the accidents were related to the handling of sharps and the most common organic material was blood (63.5%. More than 50% of the workers were vaccinated against hepatitis B, but without information regarding the evaluation of vaccine response. The study revealed the need of improvement in the quality of the information, once the sub-entries and inconsistencies make the National Notifiable Diseases Surveillance System less trustworthy in the characterization of the affected workers.

  1. [Current situation of accidents in the world].

    Science.gov (United States)

    Aguilar-Zinser, José Valente

    2010-01-01

    According to the World Health Organization (WHO), the number of traffic accidents is of concern. About 1.2 million people die every year on the roadways and about 20 to 50 million suffer from non-lethal trauma. Countries with low or medium incomes have higher rates of lethality by traffic accidents (21.5 and 19.5 per 100,000 habitants, respectively) than countries with higher incomes (10.3 per 100,000). It is estimated that the cost of traffic accidents in countries that are members of the Organization for Economic Cooperation and Development (OECD), escalate to rates that are between 2-5% of the gross domestic product (GDP). According to data from the health sector in Mexico, these rates are equivalent to 1.3 of GDR The WHO foresees that traffic accident traumas will rise to be the third cause of mortality in 2030. Because of the high complexity of the transport sector, it is necessary that the Transport and Communication Ministry works in a multidisciplinary and intersectorial fashion to ensure that the land transportation systems operate effectively in accordance with national economic development and the quality of life of the Mexican people.

  2. Chernobyl accident. [Radiation monitoring in UK

    Energy Technology Data Exchange (ETDEWEB)

    Gittus, J.H.

    1986-07-01

    A brief report is given of the implications for the UK from the radioactivity released during the Chernobyl accident. Results of radio-activity monitoring around the UK are given and the additional radiation doses to the UK population are evaluated.

  3. Speed Variance and Its Influence on Accidents.

    Science.gov (United States)

    Garber, Nicholas J.; Gadirau, Ravi

    A study was conducted to investigate the traffic engineering factors that influence speed variance and to determine to what extent speed variance affects accident rates. Detailed analyses were carried out to relate speed variance with posted speed limit, design speeds, and other traffic variables. The major factor identified was the difference…

  4. Fatal accidents among Danes with multiple sclerosis

    DEFF Research Database (Denmark)

    Brønnum-Hansen, Henrik; Hansen, Thomas; Koch-Henriksen, Nils

    2006-01-01

    We compared the rate of fatal accidents among Danes with multiple sclerosis (MS) with that of the general population. The study was based on linkage of the Danish Multiple Sclerosis Registry to the Cause of Death Registry and covered all 10174 persons in whom MS was diagnosed during the period 1953...

  5. Analysis of Credible Accidents for Argonaut Reactors

    Energy Technology Data Exchange (ETDEWEB)

    Hawley, S. C.; Kathern, R. L.; Robkin, M. A.

    1981-04-01

    Five areas of potential accidents have been evaluated for the Argonaut-UTR reactors. They are: • insertion of excess reactivity • catastrophic rearrangement of the core • explosive chemical reaction • graphite fire • fuel-handling accident. A nuclear excursion resulting from the rapid insertion of the maximum available excess reactivity would produce only 12 MWs which is insufficient to cause fuel melting even with conservative assumptions. Although precise structural rearrangement of the core would create a potential hazard, it is simply not credible to assume that such an arrangement would result from the forces of an earthquake or other catastrophic event. Even damage to the fuel from falling debris or other objects is unlikely given the normal reactor structure. An explosion from a metal-water reaction could not occur because there is no credible source of sufficient energy to initiate the reaction. A graphite fire could conceivably create some damage to the reactor but not enough to melt any fuel or initiate a metal-water reaction. The only credible accident involving offsite doses was determined to be a fuel-handling accident which, given highly conservative assumptions, would produce a whole-body dose equivalent of 2 rem from noble gas immersion and a lifetime dose equivalent commitment to the thyroid of 43 rem from radioiodines.

  6. Inventory of socioeconomic costs of work accidents

    NARCIS (Netherlands)

    Mossink, J.; Greef, M. de

    2002-01-01

    The European Commission has prioritised the need to develop knowledge of the economic and social costs arising from occupational accidents and illnesses in their communication about a new Community strategy on safety and health at work for 2002-06. This report from the Agency aims to contribute to t

  7. Development of the Severe Accident Analysis DB for the Severe Accident Management Expert System (I)

    Energy Technology Data Exchange (ETDEWEB)

    Park, Soo Yong; Ahn, Kwang Il [KAERI, Daejeon (Korea, Republic of)

    2010-12-15

    This report contains analysis methodologies and calculation results of 5 initiating events of the severe accident analysis database system. The Ulchin 3,4 NPP has been selected as reference plants. Based on the probabilistic safety analysis of the corresponding plant, 54 accident scenarios, which was predicted to have more than 10-10 /ry occurrence frequency, have been analyzed as base cases for the Large loss of Coolant sequence database. The functions of the severe accident analysis database system will be to make a diagnosis of the accident by some input information from the plant symptoms, to search a corresponding scenario, and finally to provide the user phenomenological information based on the pre-analyzed results. The MAAP 4.06 calculation results in this report will be utilized as input data to develop the database system

  8. Utilization of accident databases and fuzzy sets to estimate frequency of HazMat transport accidents.

    Science.gov (United States)

    Qiao, Yuanhua; Keren, Nir; Mannan, M Sam

    2009-08-15

    Risk assessment and management of transportation of hazardous materials (HazMat) require the estimation of accident frequency. This paper presents a methodology to estimate hazardous materials transportation accident frequency by utilizing publicly available databases and expert knowledge. The estimation process addresses route-dependent and route-independent variables. Negative binomial regression is applied to an analysis of the Department of Public Safety (DPS) accident database to derive basic accident frequency as a function of route-dependent variables, while the effects of route-independent variables are modeled by fuzzy logic. The integrated methodology provides the basis for an overall transportation risk analysis, which can be used later to develop a decision support system.

  9. FINANCIAL STABILITY OF INSURANCE AND ITS SOURCES OF SUPPORT

    Directory of Open Access Journals (Sweden)

    R. Pikus

    2016-03-01

    Full Text Available The article describes theoretical aspects of determination of financial stability of insurance companies of Ukraine. It was found the main factors that influence the financial stability of insurance companies. Influencing factors are classified into internal and external and the effects of these factors on insurers' activities are presented. The main criteria of financial stability of insurance companies were deeply analysed and the most significant were chosen: sufficient amount of equity capital, the optimal tariff policy, balanced insurance portfolio, secure and effective reinsurance program, sufficient amount of insurance reserves for future payments, optimal investment management of insurance reserves and high solvency of an insurance company. Basic directions of provision and maintenance of financial stability of insurance companies in post-crisis period were presented. The main problems of provision and maintenance of financial stability of insurance companies were outlined and recommendations for its strengthening were provided.

  10. STATE REGULATION OF INVESTMENT INSURANCE COMPANIES IN UKRAINE

    Directory of Open Access Journals (Sweden)

    О. Zaletov

    2016-03-01

    Full Text Available In the article the essence of investment insurance company. The role and importance of investment of insurance companies on formation of investment resources in the economy. The essence of the definition of "investment potential of insurance companies" and its relationship with the definition of "financial strength of insurance companies' insurance and potential insurance companies." By analyzing the structure and dynamics of aggregate investment portfolio of insurance organizations of Ukraine in 2008-2015 years defined contribution insurance sector in the formation of investment resources. The problems and prospects of the investment potential of the insurance market of Ukraine. Directions of improvement of state regulation of investment of insurance companies in Ukraine.

  11. Strategies for Development of Shaanxi’s Agricultural Insurance Industry

    Institute of Scientific and Technical Information of China (English)

    2012-01-01

    This paper introduces current situations of agricultural insurance market in Shaanxi Province. It is indicated that development of Shaanxi’s agricultural insurance industry is faced with following difficulties. First, risks of agricultural production are various, occurrence frequency is high and losses are great. Second, effective supply of commercial insurance companies for agriculture is seriously inadequate. Third, farmers’ demand for agricultural insurance is restricted by many factors. Fourth, government support for agricultural insurance is not generous. Then, it puts forward strategies for development of agricultural insurance in Shaanxi Province. These include: encourage commercial insurance companies to actively enter agricultural insurance market; establish perfect agricultural reinsurance system; strengthen propaganda of agricultural insurance and speed up agricultural industrialization; enhance policy support for agricultural insurance to promote its development.

  12. Risk Selection under Public Health Insurance with Opt-Out.

    Science.gov (United States)

    Panthöfer, Sebastian

    2016-09-01

    This paper studies risk selection between public and private health insurance when some, but not all, individuals can opt out of otherwise mandatory public insurance. Using a theoretical model, I show that public insurance is adversely selected when insurers and insureds are symmetrically informed about health-related risks, and that there can be adverse or advantageous selection when insureds are privately informed. Using data from the German Socio-Economic Panel, I find that (i) public insurance is, on balance, adversely selected under the German public health insurance with opt out scheme, (ii) individuals advantageously select public insurance based on risk aversion and residential location, and (iii) there is suggestive evidence of asymmetric information in the market for private health insurance. Copyright © 2016 John Wiley & Sons, Ltd.

  13. [The combination of "Careworks" insurance plan integrated with medical and long-term care insurance].

    Science.gov (United States)

    Sumii, Hiroshi

    2006-11-01

    The social security system in Japan was greatly revolutionized when the long-term care insurance plan began in April 2000. Thus, Japan began the 21st century with two great social insurance plans, that is, medical care insurance and long-term care insurance. Each delivery system is divided: the medical care insurance plan is for the acute stage, and the long-term care is for the chronic stage. Both systems can be intended to cooperate to provide continuous care throughout life. The public health and welfare system has been trying hard to efficiently integrate the medical and long-term care insurance plans. However, it is necessary to establish a new insurance plan for ensuring the integrated adequacy of both insurance systems. One's life is destined to shift from medical care to long-term care at some point. As one ages or becomes disabled, it becomes difficult to lead an independent life with self-decision, and social support become necessary from third parties, instead of from the family or from one's own means. The society imposes the responsibility of payment of the medical and long-term care plan premiums on the individual throughout life. However, the structure of these insurance foundations should be combined under an integrated system, "Careworks", in order to also combine the concepts of length of life from the medicine and the respect of living from the long-term case to improve the social security of the life.

  14. Facial trauma among victims of terrestrial transport accidents

    OpenAIRE

    Sérgio d'Avila; Kevan Guilherme Nóbrega Barbosa; Ítalo de Macedo Bernardino; Lorena Marques da Nóbrega; Patrícia Meira Bento; Efigênia Ferreira e Ferreira

    2016-01-01

    ABSTRACT INTRODUCTION: In developing countries, terrestrial transport accidents - TTA, especially those involving automobiles and motorcycles - are a major cause of facial trauma, surpassing urban violence. OBJECTIVE: This cross-sectional census study attempted to determine facial trauma occurrence with terrestrial transport accidents etiology, involving cars, motorcycles, or accidents with pedestrians in the northeastern region of Brazil, and examine victims' socio-demographic characteri...

  15. 48 CFR 652.236-70 - Accident Prevention.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Accident Prevention. 652... SOLICITATION PROVISIONS AND CONTRACT CLAUSES Texts of Provisions and Clauses 652.236-70 Accident Prevention. As prescribed in 636.513, insert the following clause: Accident Prevention (APR 2004) (a) General....

  16. 48 CFR 52.236-13 - Accident Prevention.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 2 2010-10-01 2010-10-01 false Accident Prevention. 52.236-13 Section 52.236-13 Federal Acquisition Regulations System FEDERAL ACQUISITION REGULATION....236-13 Accident Prevention. As prescribed in 36.513, insert the following clause: Accident...

  17. Concussion in Motor Vehicle Accidents: The Concussion Identification Index

    Science.gov (United States)

    2016-08-03

    Motor Vehicle Accidents; TBI (Traumatic Brain Injury); Brain Contusion; Brain Injuries; Cortical Contusion; Concussion Mild; Cerebral Concussion; Brain Concussion; Accidents, Traffic; Traffic Accidents; Traumatic Brain Injury With Brief Loss of Consciousness; Traumatic Brain Injury With no Loss of Consciousness; Traumatic Brain Injury With Loss of Consciousness

  18. [Fatal electric arc accidents due to high voltage].

    Science.gov (United States)

    Strauch, Hansjürg; Wirth, Ingo

    2004-01-01

    The frequency of electric arc accidents has been successfully reduced owing to preventive measures taken by the professional association. However, the risk of accidents has continued to exist in private setting. Three fatal electric arc accidents caused by high voltage are reported with reference to the autopsy findings.

  19. 49 CFR 178.345-8 - Accident damage protection.

    Science.gov (United States)

    2010-10-01

    ... or more than 2 inches from the point of attachment to the tank must have accident damage protection... accident damage protection device; or (iii) Attached to the cargo tank in accordance with the requirements... damaged in an accident could result in a loss of lading from the cargo tank must be protected by...

  20. The case for research into the zero accident vision

    NARCIS (Netherlands)

    Zwetsloot, G.I.J.M.; Aaltonen, M.; Wybo,J.L.; Saari, J.; Kines, P.; Beeck, R. op de

    2013-01-01

    This discussion paper is written out of a concern. We noticed that many companies with a good safety reputation have adopted a zero accident vision, yet there is very little scientific research in this field. The zero accident vision addresses the accidents causing deaths and severe injuries among c