WorldWideScience

Sample records for insurance education manpower

  1. The Place of Education in Manpower Planning in Developing Countries

    Science.gov (United States)

    Fapohunda, Olanrewaju J.

    1974-01-01

    Defines manpower planning and outlines its objectives, describes the effects of education on economic growth in developing countries, and discusses problems of education in manpower planning: questions of the source of education, the content, and the percentage of the population ot be educated at a given time. Important political limitations are…

  2. Manpower Aspects of Higher Education in India.

    Science.gov (United States)

    Khan, Qamar Uddin

    Using data from various published sources, this report reviews the growth of higher education in India over the last 30 years, analyzes employers' needs for higher education graduates since 1950, and suggests guidelines for involving educational planning with manpower planning. The author describes the growth of Indian higher education in the…

  3. Safety Specialist Manpower, Manpower Resources. Volumes II and III.

    Science.gov (United States)

    Booz Allen and Hamilton, Inc., Washington, DC.

    These second and third volumes of a four-volume study of manpower in state highway safety programs over the next decade estimate manpower resources by state and in national aggregate and describe present and planned training programs for safety specialists. For each educational level, both total manpower and manpower actually available for…

  4. Manpower Requirements and Education in Nuclear Science: An International Perspective Nuclear Science Manpower and Education Panel

    International Nuclear Information System (INIS)

    Zeisler, R.; Clark, S.B.; Parry, S.J.; Choppin, G.R.; Danesi, P.R.; Rossbach, M.; Williamson, C.; and others

    2005-01-01

    The MARC-VI conference served as an excellent setting for a session organized to present and discuss the problems in nuclear science manpower and education. A panel discussion and contributed papers reflected the world-wide situation. Major points of the panel discussion are presented. As a result, a resolution on the current situation of nuclear chemistry and radiochemistry was drafted and endorsed by the conference attendees. (author)

  5. Education and Middle Manpower Development in Malaysia.

    Science.gov (United States)

    Harris, Norman C.

    One of the essential factors in the economic development of nations is the attainment of a manpower mix which is strategically suited to current development problems, and which will also provide a catalyst for improvement and change. A review of the literature indicates that, although education per se is important, individual countries must…

  6. [Clinical nursing manpower: development and future prospects].

    Science.gov (United States)

    Lin, Chiou-Fen; Kao, Ching-Chiu

    2014-04-01

    The significant changes in nursing manpower utilization in Taiwan over the past two decades are due in large part to the implementation of the National Health Insurance program and the rising need for long-term care. The changes have impacted clinical nursing manpower utilization in two important ways. Firstly, there has been a substantial increase in overall demand for nursing manpower. In particular, the need for clinical nurses has nearly quadrupled during this time period. Secondly, the level of difficulty involved in patient care has risen dramatically, with factors including increased disease severity and increased care quality expectations, among others. These changes, coupled with demands on nursing manpower imposed from other sectors, underpin and further exacerbate the problem of nursing manpower shortages throughout the healthcare system. To raise the quality of the nursing work environment, the Ministry of Health and Welfare (MOHW) brought together Taiwan's key professional nursing organizations to promote 10 care-reform strategies, establish the nursing-aid manpower system, and create the nursing classification system as an approach to effectively attract nurses to take positions in the medical system.

  7. Nuclear manpower development

    International Nuclear Information System (INIS)

    Hwang, I. A.; Lee, K. B.; Shin, B. C.

    2011-12-01

    The nuclear manpower development project has concentrated on the systemisation and specialization of education and training programs and has actively carried out diverse activities to create new nuclear courses based on the experience of the Nuclear Training and Education Center (NTC) accumulated over the past years. As the demand of education program for training nuclear manpower is increasing due to the remarkable growth of nuclear industry, NTC developed customized education programs making the most use of nuclear experiment equipment and providing practical exercise with research reactor. For improving organizational performance and the development of skilled manpower, KAERI-ACE 2.0 system offered diverse programs addressing the type of occupation and position based on individual competency. Also education on IT was carried out to improve public relations on nuclear and field trips were arranged to encourage local residents' better understanding of the nuclear industry. As a continuous effort, In 2011, NTC specially conducted a survey of employees who are attached to small and medium sized business, and analyzed the present business situations and education requirements for the development of a Pre/under job education program. Prior to this, a briefing session took place for mutual exchange of opinions of industry and academia, based on which a test operation on 'Basic Radiation Education' was carried out. This program has a significance that it was first step toward connection between the nuclear industry and academia as well as an opportunity to educate the employee involved in nuclear engineering field. In 2012, this program is planned to be expanded. With reference to the in-house training, NTC established an 'e-HRD system' providing available resources concerned with education program for cultivating talented personnel. All the education programs are based on individual competency. The e-HRD system will be test operated in 2012 and applied to the

  8. An Analysis of the Navy Manpower, Personnel, Training and Education Architecture

    Science.gov (United States)

    2017-03-01

    Manpower Management Overview. Source: Hatch (2016b). ......... 21 Figure 5. Origin of Manpower Management . Source: Hatch (2016b). .......... 22 Figure...Whitney, Bradley, and Brown (WBB) Inc., a business management consultant in Reston, Virginia was contracted to teach the Navy MPT three-day course...Classification, Manpower Requirements Determination (MRD), Total Force Management , and Manpower Business Requirement Governance,” (“Navy Manpower

  9. Health manpower development in Bayelsa State, Nigeria

    Directory of Open Access Journals (Sweden)

    McFubara KG

    2012-11-01

    Full Text Available Kalada G McFubara,1 Elizabeth R Edoni,2 Rose E Ezonbodor-Akwagbe21Department of Community Medicine, Faculty of Clinical Sciences, 2Department of Community Health Nursing, Niger Delta University, Wilberforce Island, NigeriaBackground: Health manpower is one of the critical factors in the development of a region. This is because health is an index of development. Bayelsa State has a low level of health manpower. Thus, in this study, we sought to identify factors necessary for effective development of health manpower.Methods: Three methods were used to gather information, ie, face-to-face interviews, postal surveys, and documentary analysis. Critical incidents were identified, and content and thematic analyses were conducted.Results: There is no full complement of a primary health care workforce in any of the health centers in the state. The three health manpower training institutions have the limitations of inadequate health care educators and other manpower training facilities, including lack of a teaching hospital.Conclusion: Accreditation of health manpower training institutions is a major factor for effective development of health manpower. Public officers can contribute to the accreditation process by subsuming their personal interest into the state's common interest. Bayelsa is a fast-growing state and needs a critical mass of health care personnel. To develop this workforce requires a conscious effort rich in common interests in the deployment of resources.Keywords: health manpower, development, health care education

  10. Experiences in manpower planning for geomatics

    Science.gov (United States)

    Fairbairn, D.

    2014-04-01

    This paper addresses the issue of manpower planning in meeting the needs of national and international economies for trained geomatics professionals. Estimated statistics for the numbers of such personnel, and experience in assessing recruitment into the profession reveal considerable skills gaps, particularly in the mature economies of the developed world. In general, centralised manpower planning has little official role in western economies. However, informal surveys of shortfalls in supply of qualified graduates in many fields, including geomatics, are undertaken by professional organisations, educational establishments and consultancies. This paper examines examples of such manpower surveys and considers whether more effective manpower planning would ensure a more efficient geomatics industry in a nation, and what the nature of such an exercise should be.

  11. Manpower development - planning and implementation

    International Nuclear Information System (INIS)

    Scholten, V.W.

    1978-01-01

    The demands of a nuclear technology programme on the manpower resources of a developing country are very onerous. Unlike other industries, as well as the planning and operating staff, nuclear technology requires an additional administrative infrastructure to regulate the various activities. To minimize the effect of manpower shortage, the planning and development of manpower resources need to be carried out on a national scale. To introduce a nuclear programme, a special preparatory phase is required. During this phase the special conditions appertaining to the country are first considered, as are the evaluation and then the promotional aspects of the programme. In a second phase, all the partners involved in the implementation are considered, with reference to their roles and interrelationships. Their various tasks and obligations are fully assessed. This is a wide-ranging study covering, in addition to the construction of a nuclear power plant, the industrial collaboration and licensing agreements, and the utility operational training schemes. Finally, the third phase considers the different and necessary educational requirements, and the existent and developed level of the manpower, with respect to the scope and content of the know-how transfer. When all the relevant aspects have been considered, the expansion of the universities and educational establishments must be carried out. This whole phase needs to be started as early as possible because it involves a period of some years. (author)

  12. Development of a Big Data Application Architecture for Navy Manpower, Personnel, Training, and Education

    Science.gov (United States)

    2016-03-01

    science IT information technology JBOD just a bunch of disks JDBC java database connectivity xviii JPME Joint Professional Military Education JSO...Joint Service Officer JVM java virtual machine MPP massively parallel processing MPTE Manpower, Personnel, Training, and Education NAVMAC Navy...27 external database, whether it is MySQL , Oracle, DB2, or SQL Server (Teller, 2015). Connectors optimize the data transfer by obtaining metadata

  13. International nuclear planning and manpower requirements

    International Nuclear Information System (INIS)

    Simnad, M.

    1977-01-01

    In the transfer of nuclear technology to developing countries one of the most pressing needs is the manpower requirements for the planning, construction, and operation of the nuclear power systems. The indigenous human resources of the respective countries must be educated and trained to a level commensurate with the demands of such an advanced and challenging technology. The issues to be addressed when discussing international nuclear planning and manpower requirements are summarized

  14. Manpower training and development for nuclear power

    International Nuclear Information System (INIS)

    Bauer, E.

    1979-01-01

    Determination of the manpower required for implementation of a nuclear programme is a very important factor from the national viewpoint, as it is drawn from many sectors of industry. The author provides a case-study of manpower requirements in France. He is in favour of the establishment of a manpower programme within the educational system, involving schools and universities since technicians and engineers have an important role to play throughout the different stages of a nuclear programme. In this context, he describes the IAEA contribution to acquisition of know-how by means of training courses for developing countries. (NEA) [fr

  15. Nuclear Manpower Development

    Energy Technology Data Exchange (ETDEWEB)

    Hwang, I. A.; Lee, T. J.; Lee, K. B.; and others

    2012-12-15

    The nuclear manpower development project has concentrated on the systemization and specialization of education and training programs and has actively carried out diverse activities to create new nuclear courses based on the experience of the Nuclear Training and Education Center (NTC) accumulated over the past years. NTC has developed customized education programs on 'Nuclear Introduction' to educate new employees of the Korea Electric Power Corporation (KEPCO) and on 'Technical education for criticality and shielding analysis of the spent fuel' for employees of the Doosan Heavy Industries and Construction. NTC has also developed specialized education programs for the students of nuclear engineering departments and sciences and engineering departments in universities making the most use of experimental equipment at KAERI and providing practical exercise with the research reactor, HANARO. For improving organizational performance and the development of skilled manpower, KAERI-ACE system has offered diverse programs addressing individual competency of industry personnel in terms of type of occupation and position. Also education on IT has been carried out to improve public relations on nuclear and field trips have been arranged to encourage local residents' better understanding of the nuclear industry. As the final outcome, NTC has developed 6 new education programs for employees in industry and students in academia, and offered 64 courses to 9,630 persons (273 domestic nuclear personnel, 509 university students, 8,075 KAERI staff, 773 local resident). Especially, in 2012, NTC is honored to won 'Presidential Awards of National Quality Management Awards'. This present that KAERI-ACE system has performed well through a improvement in recent years.

  16. Meeting nuclear utilities manpower needs

    International Nuclear Information System (INIS)

    Sillin, L.F. Jr.

    1982-01-01

    The nuclear-power industry must attract and train 57,000 employees during the next decade, according to a survey which found a high rate of personnel turnover, 8790 unfilled positions, and 75 new plants scheduled to come on line. The Institute of Nuclear Power Operators (INPO) and the industry need to address personnel planning to find out how to meet these needs. Studies indicate a history of on-site staffing and training deficiencies. Regulatory requirements also contribute to manpower shortages. This article examines manpower problems and suggests initiatives the industry can take to support educational programs, expand training, provide employee incentives, and pool technical resources. 7 tables

  17. The Progressive Insurance Automotive X PRIZE Education Program

    Energy Technology Data Exchange (ETDEWEB)

    Robyn Ready

    2011-12-31

    The Progressive Insurance Automotive X PRIZE Education Program conducted education and outreach activities and used the competition's technical goals and vehicle demonstrations as a means of attracting students and the public to learn more about advanced vehicle technologies, energy efficiency, climate change, alternative fuels, and the science and math behind efficient vehicle development. The Progressive Insurance Automotive X PRIZE Education Program comprised three integrated components that were designed to educate the general public and create a multi-tiered initiative to engage students and showcase the 21st century skills students will need to compete in our global economy: teamwork, creativity, strong literacy, math and science skills, and innovative thinking. The elements included an Online Experience, a National Student Contest, and in person education events and activites. The project leveraged online connections, strategic partnerships, in-classroom, and beyond-the-classroom initiatives, as well as mainstream media. This education program supported by the U.S. Department of Energy (DOE) also funded the specification of vehicle telemetry and the full development and operation of an interactive online experience that allowed internet users to follow the Progressive Insurance Automotive X PRIZE vehicles as they performed in real-time during the Progressive Insurance Automotive X PRIZE competition events.

  18. 507 Developing Industrial and Technological Manpower via ...

    African Journals Online (AJOL)

    sustainable industrial and technological advancement and security for national development. ... industrial/technological manpower for Nigeria is the technical vocational education and ..... Business and Social Sciences, 2 (2), 71-77. Retrieved ...

  19. The model of manpower management influence on mining business effectiveness

    Directory of Open Access Journals (Sweden)

    Miriama Hakelová

    2013-12-01

    Full Text Available Manpower management is one of the documents in a business firm which reflects the philosophy of human resources work, sets the priorities and procedures for the capacity of personal processes. The article describes the theoretical model considering the manpower management aspects which are related to adopting the competency model in mining business respecting the triad of capacity management namely by assessing the work capacity, remuneration, education and employees ? growth. The motivation of employees, their efficiency and the work productivity will increase by the impact of the manpower management aspects which will provide the increase of mining business effectiveness.

  20. Nuclear power manpower and training requirements

    International Nuclear Information System (INIS)

    Whan, G.A.

    1984-01-01

    A broad spectrum of technical personnel is required to conduct a national nuclear power program, predominantly electrical, mechanical, and nuclear engineers and health physicists. The need for nuclear education and training, even in the early planning states, is the topic of this paper. Experience gained in the United States can provide useful information to Asia-Pacific countries developing nuclear power programs. Including both on-site and off-site personnel, U.S. plants average about 570 workers for BWRs and 700 for PWRs. The need for an additional 57,000 technical employees over the next decade is projected. The technical backgrounds of the manpower required to operate and support a nuclear power plant are distinctly different from those used by non-nuclear utilities. Manpower cannot be transferred from fossil fuel plants without extensive training. Meeting the demand for nuclear education and training must be a friendly partnership among universities, government, and industry. The long-term supply of nuclear-educated personnel requires strong, government-supported universities. Most specific training, however, must be provided by industry. (author)

  1. Infusing Adult Education Principles Into a Health Insurance Literacy Program.

    Science.gov (United States)

    Brown, Virginia

    2018-03-01

    Health insurance literacy is an emerging concept in the health education and health promotion field. The passage of the Affordable Care Act highlighted the link between health insurance and health outcomes. However, the law does not specifically address how the public should be educated on choosing an appropriate health insurance plan. Research shows adults, regardless of previous health insurance status, are likely confused and uncertain about their selection. The University of Maryland Extension developed and created health insurance Smart Choice Health Insurance™ to reduce confusion and increase confidence and capability to make this decision. Andragogy, an adult learning theory, was used to guide the development of the program and help ensure best practices are used to achieve desired outcomes. Using the six principles of andragogy, the team incorporated reality-based case studies, allowed adults time to practice, and emphasized choice making and many other elements to create an atmosphere conducive to adult learning. Results from Smart Choice indicate the program is successful in reducing confusion and increasing confidence. Furthermore, feedback from participants and trained educators indicates that adults were engaged in the program and found the materials useful. Based on program success, creation of new health insurance literacy programs grounded in adult education principles is under way.

  2. Assessment of demand for and supply of qualified manpower for the nuclear industry

    International Nuclear Information System (INIS)

    Morelle, J.

    1993-01-01

    The OECD Nuclear Energy Agency recently published a study which presents the results of a pioneering survey of the demand for and the supply of qualified manpower in various sectors of the nuclear industry (including medicine), and in the related areas of regulation and education in 12 OECD countries. The current manpower situation is presented and the future demand is reviewed. Present and future activities of OECD countries to ensure a balance between supply and demand of qualified manpower are discussed

  3. Manpower development for nuclear power

    International Nuclear Information System (INIS)

    1980-01-01

    This Guidebook provides policy-makers and managers of nuclear power programmes with information and guidance on the role, requirements, planning and implementation of manpower development programmes. It presents and discusses the manpower requirements associated with the activities of a nuclear power programme, the technical qualifications of this manpower and the manpower development corresponding to these requirements and qualifications. The Guidebook also discusses the purpose and conditions of national participation in the activities of a nuclear power programme

  4. Manpower use and requirements in OAPEC states

    Energy Technology Data Exchange (ETDEWEB)

    Al-Wattari, A A

    1978-10-01

    The capital-intensive petroleum industry employs only a small, largely skilled labor force, which has social and economic implication for over-populated areas. The constraints imposed on other sectors and downstream industries by industrialization and the transfer of high technology has kept the Arab world's employment level little more than half that of the industrialized nations. The employment of large numbers of high-cost, highly trained foreign workers in Arab countries indicates the need for manpower training and development. Efforts to remedy this situation are evident in the planning for regional literacy and vocational training programs and in professional development at the Arab Petroleum Training Institute. The results of a manpower survey and educational goals are summarized.

  5. The technical workforce: education, training, and manpower needs in radiation protection

    International Nuclear Information System (INIS)

    Ziemer, P.L.

    1984-01-01

    In considering our technical workforce with respect to radiation protection, three main questions face us today and will continue to face us in the future: 1. What are the present and future personnel needs in health physics and related disciplines. 2. What kinds of education and training programs are required to meet these needs. 3. What is being done and what needs to be done to provide the required education and training programs. To address these three questions, this paper summarizes recent projections on the manpower needs for professional health physicists over the next two decades. The current status of education and training programs, both for health physicists and for other personnel requiring radiation protection training, is reviewed. Attention is directed toward present enrollment and degree trends which indicate inadequate supplies of personnel to fill present and projected positions, particularly at the BS and the graduate degree levels. Information on the job market, including numbers and types of positions and salary levels, is also summarized. The question of what needs to be done in the future to provide adequate education and training programs is discussed with respect to federal policies, regulations, and industrial responsibilities. Although the federal government will continue to have responsbilities to support education and training in radiation protection, an increasingly important and critical role is seen for the private sector

  6. Forecasting and recruitment in graded manpower systems

    NARCIS (Netherlands)

    van Nunen, J.A.E.E.; Wessels, J.

    1977-01-01

    In this paper a generalized Markov model is introduced to describe the dynamic behaviour of an individual employee in a graded Manpower system. Characteristics like the employee's grade, his educational level, his age and the time spent in his actual grade, can be incorporated in the Markov model.

  7. Evaluation of Cardiology Training and Manpower Requirements.

    Science.gov (United States)

    Adams, Forrest H., Ed.; Mendenhall, Robert C., Ed.

    Begun in June, 1971 and completed in October 1973, the study had the following specific goals: to define the cardiologist's role; to determine cardiology training program objectives; to determine manpower needs for cardiologists; and to determine the educational needs of cardiologists. The major information was sought from all active cardiologists…

  8. maintainability of manpower system with restricted recruitment

    African Journals Online (AJOL)

    JERRY

    departmentalized manpower systems. ... homogenous k × k probability transition matrix of the manpower system; r and w be 1 .... is an advantage in manpower planning, especially in the area of manpower control, Bartholomew, et al (1991).

  9. Nuclear Science: a survey of funding, facilities, and manpower

    International Nuclear Information System (INIS)

    1975-01-01

    In 1973 the Committee on Nuclear Science of the National Research Council initiated a re-examination of aspects (funding, manpower, and facilities) of the organization and operation of nuclear science research in order to evaluate any changes in the preceding four years and implications of such changes. The reports of the three ad hoc panels established for this purpose (funding and level of effort, nuclear facilities, manpower and education) are presented. Although they identify current problems in nuclear science, these reports do not provide simple solutions; rather, they attempt to provide updated information for use as background for continuing decisions

  10. The challenge of increasing scientific and technological manpower in Thailand

    Science.gov (United States)

    Kulintornprasert, Usanee

    Scope and method of study. The purpose of this study is to examine the responses of Thai educators and other stakeholders in each organization. They are facing the challenge of increasing scientific and technological manpower for the future of scientific and technological capabilities in Thailand. A dramaturgy analysis procedure serves as the framework for the study. This framework provides a tool to help comprehend, describe, communicate, and transform the character and process of the remedy of the S&T manpower shortage. Namely, Burke's five elements are useful in this process. The scene is the setting of the performance, which refers to the current situation of Thailand's science and technology capability. The act displays various problems that take place in the setting. The agent means the groups of people who are involved in the S&T manpower development process and their roles to accelerate S&T manpower development strategies. The agency describes the projects that support those strategies, and the purpose is the reason or motive for the above-mentioned strategies. Findings and conclusions. Through the dramaturgical analysis on the basis of data collection, the conclusions of this study can be shown as the following items. First, the bureaucratic system is the barrier. As a result, the solution should be conducted both top-bottom and bottom-top performance. Second, the government should consider developing S&T strategies as a long-term plan. Third, the current science curricula should be revised. Fourth, universities should fully support and encourage faculty to conduct research along with teaching. Fifth, the quality of education should be improved. Sixth, "new blood" should be inserted in educational institutions. Last, but not least, the existing S&T curricula should be aimed at the international standard.

  11. Manpower development and international cooperation in Nuclear Technology and Education Center, JAERI

    International Nuclear Information System (INIS)

    Shiba, Koreyuki; Tojo, Takao; Takada, Kazuo; Nomura, Masayuki

    1996-01-01

    Nuclear Technology and Education Center was founded in 1958 and now has two branches, Tokyo Education Center at Bunkyo-ku, Tokyo and Tokai Education Center at Tokai, Ibaraki-ken. The objective was to educate and train nuclear engineers and scientists for implementing the nation's program of atomic energy research, development and utilization. A variety of training courses have been prepared and carried out to meet the requirements of the nuclear community. In recent years, activities of getting the public acceptance have become important for nuclear energy deployment in Japan. Many short courses have been implemented at JAERI sites and cities for providing the public including high school teachers with basic knowledge on nuclear energy. International training programs of the center were started with the cooperation of the Japan International Cooperation Agency (JICA) in 1985 and of the International Atomic Energy Agency (IAEA) in 1987. International seminars were implemented for improving nuclear safety by inviting participants from the former Soviet Union, central/east European countries and the neighboring countries of Japan under the direction of the Science and Technology Agency (STA) in 1992. STA and JAERI are starting new programs of helping Asian and Pacific countries to develop nuclear manpower. (author)

  12. Manpower

    Digital Repository Service at National Institute of Oceanography (India)

    Valsangkar, A.B.; Nath, B.N.; Sharma, R.

    The recruitment, training and deployment of manpower for scientific work during an oceanographic expedition is discussed. Fifty scientists and 50 technicians in various disciplines of oceanography were recruited. A training in oceanography...

  13. Insurance and education predict long-term survival after orthotopic heart transplantation in the United States.

    Science.gov (United States)

    Allen, Jeremiah G; Weiss, Eric S; Arnaoutakis, George J; Russell, Stuart D; Baumgartner, William A; Shah, Ashish S; Conte, John V

    2012-01-01

    Insurance status and education are known to affect health outcomes. However, their importance in orthotopic heart transplantation (OHT) is unknown. The United Network for Organ Sharing (UNOS) database provides a large cohort of OHT recipients in which to evaluate the effect of insurance and education on survival. UNOS data were retrospectively reviewed to identify adult primary OHT recipients (1997 to 2008). Patients were stratified by insurance at the time of transplantation (private/self-pay, Medicare, Medicaid, and other) and college education. All-cause mortality was examined using multivariable Cox proportional hazard regression incorporating 15 variables. Survival was modeled using the Kaplan-Meier method. Insurance for 20,676 patients was distributed as follows: private insurance/self-pay, 12,298 (59.5%); Medicare, 5,227 (25.3%); Medicaid, 2,320 (11.2%); and "other" insurance, 831 (4.0%). Educational levels were recorded for 15,735 patients (76.1% of cohort): 7,738 (49.2%) had a college degree. During 53 ± 41 months of follow-up, 6,125 patients (29.6%) died (6.7 deaths/100 patient-years). Survival differed by insurance and education. Medicare and Medicaid patients had 8.6% and 10.0% lower 10-year survival, respectively, than private/self-pay patients. College-educated patients had 7.0% higher 10-year survival. On multivariable analysis, college education decreased mortality risk by 11%. Medicare and Medicaid increased mortality risk by 18% and 33%, respectively (p ≤ 0.001). Our study examining insurance and education in a large cohort of OHT patients found that long-term mortality after OHT is higher in Medicare/Medicaid patients and in those without a college education. This study points to potential differences in the care of OHT patients based on education and insurance status. Copyright © 2012 International Society for Heart and Lung Transplantation. Published by Elsevier Inc. All rights reserved.

  14. Manpower management information system /MIS/

    Science.gov (United States)

    Gravette, M. C.; King, W. L.

    1971-01-01

    System of programs capable of building and maintaining data bank provides all levels of management with regular manpower evaluation reports and data source for special management exercises on manpower.

  15. Nuclear Manpower Training

    International Nuclear Information System (INIS)

    Min, B. J.; Yoo, B. H.; Lee, E. J.

    2007-01-01

    Nuclear Training Center (NTC) has concentrated its efforts on the systemisation and specialization of education and training and has actively carried out diverse activities to create new education courses based on the experience accumulated so far. The systematic and comprehensive education systems have been set up by streamlining the education systems for internal employees conducted sporadically over the past years and expansion and diversification of education and training has been built through a study on Systematic Approach to Training (SAT) methodology for the development of efficient education courses and a survey of manpower development in on-site industry. The 6 education programs have been developed and 15 courses were newly developed and improved. Especially to be noted in relation to education program development is that NTC has compiled and published a book titled 'current status of research ethics of science and technology and cases' and has also conducted a survey targeted at the 30 electric power/electricity industries related to nuclear power. The total number of people who receive education for the year of 2006 was 4,186 and a total of 130 training courses were established and 125 times operated. Among them, the number of collective education was 64 courses, 104 times operated and 3,190 persons participated while as for cyber education(on-line language education), 39 courses in 3 foreign language areas established, 21 times operated and 996 persons participated

  16. Nuclear Manpower Training

    International Nuclear Information System (INIS)

    Min, B. J.; Yoo, B. H.; Lee, E. J.

    2007-12-01

    Nuclear Training Center (NTC) has concentrated its efforts on the systemisation and specialization of education and training and has actively carried out diverse activities to create new education courses based on the experience accumulated so far. The systematic and comprehensive education system(KAERI-ACE) has been set up by streamlining the education systems for internal employees conducted sporadically over the past year and expansion and diversification of education and training has been built through a study on Systematic Approach Training (SAT) methodology for the development of efficient education courses and a survey of manpower development in on-site industry. The 6 education programs have been developed and 18 courses were newly developed and improved. Especially to be noted in relation to education program development is that NTC has compiled and published a book titled 'Practical Research Ethics'. NTC has played a leading role in providing a research ethics education, in helping to promote the importance of research ethics by publishing a research ethics book and distributing them to government, research institutes, universities, etc. The total number of people who receive education for the year of 2007 was 2,998 and a total of 65 training courses were established and 106 times operated. The number of industry courses was 31, 56 times operated, and 1,309 persons participated and that nuclear R and D personnel education areas (internal employees' education) was 34 courses, 50 times operated, 2,689 persons participated

  17. The manpower training and development programs of NUCLEBRAS for the Brazilian nuclear program

    International Nuclear Information System (INIS)

    Spitalnik, J.; Lerner Neto, C.; Stilben, V.; Botelho, O.

    1984-01-01

    As technology transfer is one of the main objectives of the Brazilian Nuclear Program, the principal aim of manpower training has been to provide the conditions for absorbing this technology. The strategy used for such a program required a quantitative and qualitative planning of manpower needs, through medium-range and long-term forecasts, with the condition of maximum utilization of the existing educational infra-structure. On-the-job training which is considered one of the most important means for technology transfer, was given highest priority. Also, management development was considered very important for the implementation of the Nuclear Program. This paper shows the results achieved from 1973 up to now by the manpower training and development programs. (Author) [pt

  18. High-level manpower movement and Japan's foreign aid.

    Science.gov (United States)

    Furuya, K

    1992-01-01

    "Japan's technical assistance programs to Asian countries are summarized. Movements of high-level manpower accompanying direct foreign investments by private enterprise are also reviewed. Proposals for increased human resources development include education and training of foreigners in Japan as well as the training of Japanese aid experts and the development of networks for information exchange." excerpt

  19. On nuclear manpower development in Vietnam

    International Nuclear Information System (INIS)

    Phung Van Duan

    2007-01-01

    Vietnam began to be interested in education and training on nuclear sciences and related subjects since the early 1960's. A department of Nuclear Physics and Engineering was established in 1970 at the Hanoi University of Technology (HUT), which is the biggest interdisciplinary technological education centre of the country. In Vietnam there are several institutions where exist programmes of education on nuclear sciences and nuclear engineering. But HUT has been being since 1970 the only institution that has underway programme of education on nuclear engineer degree. Although the Department was renamed and its education programme was adjusted, but the objectives of its education programme have been being followed without changes. These objectives are as follows: 1) To develop peaceful applications of atomic energy in Vietnam; 2) To train up engineers on nuclear instrumentation for supporting the first objective; and 3) To prepare initial manpower for introduction of Nuclear Power in Vietnam. Nuclear community of Vietnam is still not so large. Total number of its members increased until 1986, and then decreases up to now. Present average age of members of the community is of 45. In 15 coming years at least 500-700 young people must be educated on programmes on nuclear engineer degree and on nuclear bachelor degree. This is a very difficult task for a developing country such as Vietnam. From a point of view of development, the above-mentioned number is too small, and it must be much more. This makes the task much more difficult. In addition, education on nuclear engineering in the country at present is in a hard situation because of lacking in experienced people, as well as in teaching material and equipment, and, because of weakness of the education programme. So, it may be impossible to achieve success in realization of the task without a large and effective international cooperation in education on nuclear science and engineering. That is why the Asian Network for

  20. Manpower development from client's viewpoint

    International Nuclear Information System (INIS)

    Hsu, R.C.T.

    1985-01-01

    To comply with the long term power development program of Taiwan Power Company, a nuclear manpower program has been established to identify human resources, selection and recruitment of entry level engineers and technicians of the Nuclear Energy Group of Taiwan Power Company. The nuclear manpower program is developed based on the benchmark of 468 perons for a two-unit nuclear power plant with capacity ranging from 636 MW to 985 MW. The methodology to estimate the future nuclear manpower demand to Taipower has been clearly described in this article. This nuclear power program is being used as the basis for long term nuclear training program development

  1. a markovian study of manpow an study of manpower planning

    African Journals Online (AJOL)

    eobe

    The Markovian method of manpower planning foretell the future. ... ive years from a soft drink manufacturing company based in Lagos, Nigeria company based ... ces management approach. ... handbook have also used Markov processes for.

  2. [Problems of X-ray mammology manpower training and management].

    Science.gov (United States)

    Rozhkova, N I

    2014-01-01

    The paper considers the issues of manpower training in X-ray mammology. It mentions staff shortage and no special training, which reduces the efficient activities of X-ray mammographic rooms, as well as shortage of training facilities and no unified educational programs within interdisciplinary integration, inadequate technical equipment in the training facilities, the lack of an accounting system for training higher- and mid-level health workers, as well as engineers. Emphasis is placed on that the educational programs must comply with the organizational forms of testing the specialists to be employed. The introduction of a continuous education system should be accelerated to rule out the decay period of specialists' competence.

  3. Health Insurance Basics

    Science.gov (United States)

    ... Staying Safe Videos for Educators Search English Español Health Insurance Basics KidsHealth / For Teens / Health Insurance Basics What's ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  4. Manpower and areas of activity in the nuclear research centers in the Federal Republic of Germany

    International Nuclear Information System (INIS)

    Miessner, H.

    1984-12-01

    A survey is presented of tasks and functions of the nuclear research centers, which belong to the 13 big research establishments in the Federal Republic of Germany. The central R+D-activities in the nuclear field (high temperature reactor, fast breeder, uranium enrichment, reprocessing, waste handling, nuclear safety, nuclear fusion, fusion technology, plasma physics and technology) and the manpower assigned to these activities are described. Future developments in R+D and in manpower are discussed. An outline is given of cooperation established with industry, universities and other institutions. The number of staff and its composition in terms of education and qualification are indicated. Staff mobility, especially transfer to industry, manpower development of junior staff and training efforts are discussed. (orig.) [de

  5. The Modeling of Factors That Influence Coast Guard Manpower Requirements

    Science.gov (United States)

    2014-12-01

    applications, and common data warehouses needed to fully develop an effective and efficient manpower requirements engineering and management program. The... manpower requirements determination ensures a ready force, and safe and effective mission execution. Shortage or excess of manpower is the catalyst...FACTORS THAT INFLUENCE COAST GUARD MANPOWER REQUIREMENTS by Kara M. Lavin December 2014 Thesis Advisor: Ronald E. Giachetti Co-Advisor

  6. General aspects of a manpower development programme

    International Nuclear Information System (INIS)

    Calori, F.; Goodman, E.I.

    1977-01-01

    A manpower development program as a long term program for developing countries, requirements based on objectives, organizations and roles, a utility program, the level of domestic involvement, the methodology of a manpower development program and the identification of requirements are treated. (HK) [de

  7. Unemployment Insurance and Inequality

    DEFF Research Database (Denmark)

    Larsen, Birthe; Waisman, Gisela

    This paper examines the impact of higher unemployment insurance on the fraction of the work force paying into an unemployment insurance fond, wage differences and therefore inquality and education letting worker initial wealth being important for the decisions and implied values. As usually higher...... educated workers receive a lower fraction of their wages as unemployment insurance, we consider how the impact on labour market performance and wage differences and thereby inequality differ dependent on whether educated or uneducated workers receive higher benefits. The model can help shed light...... on the the puzzle why only some workers, for given educational level, pay into an unemployment insurance fond, the lower wealth mobility than income mobility as well as the relative compressed wage structure in countries with generous social assistance as well as unemployment insurance for low income workers...

  8. An overview of the need of manpower supply for a nuclear programme

    International Nuclear Information System (INIS)

    Palabrica, R.J.

    1981-01-01

    The present paper deals with the need for trained manpower and special features of nuclear power affecting manpower requirements and gives a manpower loading schedule for the different nuclear power activities and programmes for manpower development. (orig./RW)

  9. Balancing Officer Community Manpower through Decentralization: Granular Programming Revisited (1REV)

    Science.gov (United States)

    2017-08-01

    characterizing each as a fundamental difference between manpower management and personnel management . Different goals The first factor is that the goals of...manpower management and personnel management are fundamentally different. The Navy’s total force manpower management policies and procedures, laid...imbalances revealed that a fundamental cause of imbalances is that supply (personnel) and demand (manpower) are managed with two linked, but essentially

  10. POLICY, PROTECTION OF POLICYHOLDER, AND LIFE INSURANCE EDUCATION TO THE SOCIETY

    Directory of Open Access Journals (Sweden)

    Hana Sri Juni Kartika

    2014-03-01

    Full Text Available Changes towards betterment of policyholder protection is not proportional to the growth of life insurance company. Policyholders encounter difficulties in asserting their rights when their life insurance companyis in financial straits and served with bankruptcy petition. Life insurance company and regulator have tore-regulate in detail every possible provision contained in a life insurance and ensure that each clausehas been incorporated in the policy, to protect policyholder. The society must be educated to the rightsand responsibility of the policyholder and the insurer, including the protection accorded to policyholders when the life insurance company is on the edge of financial distress or bankruptcy. Peningkatan perlindungan bagi pemegang polis belumlah memadai jika dibandingkan dengan pertumbuhan industri perasuransian. Pemegang polis menghadapi kesulitan untuk mendapatkan haknya ketika perusahaan asuransi menghadapi kondisi keuangan yang tidak sehat dan kebangkrutan. Perusahaan asuransi dan pembuat undang-undang harus mengatur kembali secara rinci semua klausul yang diperlukan dan memastikan bahwa klausul tersebut sudah termuat dalam polis asuransi, khususnyahal-hal yang mengatur mengenai perlindungan bagi pemegang polis asuransi jiwa. Masyarakat perlu diedukasi tentang hak dan tanggungjawab dari pemegang polis dan perusahaan asuransi selaku penjamin, termasuk mengenai perlindungan pemegang polis ketika perusahaan asuransi jiwa menghadapi masalah keuangan atau kebangkrutan.

  11. Manpower Policy in Norway. Reviews of Manpower and Social Policies.

    Science.gov (United States)

    Organisation for Economic Cooperation and Development, Paris (France).

    In recent years the Norwegian manpower authorities have recognized the need for reevaluating and reformulating their objectives and functions and the scope of their activities. Problem areas have been identified and steps undertaken to implement recommended solutions. Efforts have been made to improve labor force participation rates, provide labor…

  12. Manpower Planning: A Research Bibliography and Supplement. Bulletin 45 and Supplement I.

    Science.gov (United States)

    Keaveny, Timothy J.; Herman, Georgianna

    This bibliography is composed of 260 citations ranging in date from 1942 to 1967, but emphasizing the 1960 to 1967 period. Listings are arranged alphabetically according to author under the general divisions of Introduction to Manpower Planning, Aggregate Manpower Planning, Disaggregate Manpower Planning, Foreign Manpower Planning, Manpower…

  13. Brief biopsychosocially informed education can improve insurance workers? back pain beliefs: Implications for improving claims management behaviours

    OpenAIRE

    Beales, Darren; Mitchell, Tim; Pole, Naomi; Weir, James

    2016-01-01

    BACKGROUND: Biopsychosocially informed education is associated with improved back pain beliefs and positive changes in health care practitioners? practice behaviours. OBJECTIVE: Assess the effect of this type of education for insurance workers who are important non-clinical stakeholders in the rehabilitation of injured workers. METHODS: Insurance workers operating in the Western Australian workers? compensation system underwent two, 1.5 hour sessions of biopsychosocially informed education fo...

  14. National Workplace Literacy Program (NWLP) at Chinatown Manpower Project, Inc. Final Performance Report.

    Science.gov (United States)

    Tse, Ivy Au

    The Chinatown Manpower Project continued as the education partner in a Workplace Literacy Program (WLP) for the Chinese garment workers in New York City. Local 23-25, Union of Needletrades, Industrial and Textile Employees, was the union partner; the Greater Blouse, Skirt & Undergarment Association, Inc., and the Continental Garment Manufacturers…

  15. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

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

  16. Nuclear manpower planning and personnel training

    International Nuclear Information System (INIS)

    Chen, J.H.

    1984-01-01

    Taiwan Power Company has established a nuclear manpower program to identify human resources, selection and recruitment of entry level engineers and technicians of Nuclear Energy Group. The methodology to estimate the future nuclear manpower demand of Taipower has been clearly described in this article. Also, the manpower program is being used as the bases for nuclear training program development. For safe, reliable and efficient operation of nuclear power plants, Taipower has established a systematic training program for nuclear power stations and headquarter personnel. The training program has been implemented in three stages with different patterns of training program. The first stage of nuclear training before 1975 was completed successfully. The second stage of nuclear training currently conducted since 1975 enlarges domestic training capability. The third stage of nuclear training with a long term training program is now under a systematic and compositive development effort

  17. [Health manpower in the Americas].

    Science.gov (United States)

    Nogueira, R P; Brito, P

    1986-01-01

    The article summarizes the country studies on the development of the health manpower situation published in this issue of Educación médica y Salud, Vol. 20, No. 3, 1986. The countries covered are Argentina, Brazil, Canada, Cuba, Colombia, Mexico, and the United States of America. In these studies, the concept of disequilibrium or lack of balance and proportion was used to describe and examine some specific situations. However, no study took this concept as an object of further theoretical development, and in some it was preferred to replace it explicitly with the term "problem." The following categories of health personnel are considered: physicians, nurses and "other professions" (the latter very briefly). Professional training, the labor market, the relationship between supply and demand and the relationship with the geographic distribution of members of the health professions in the country are discussed. The studies summarized show that the situations and trends are similar in most of the countries, but that specific variations exist owing to structural and situational aspects in each. The most notable differences are seen between the characteristics of the manpower in the developed and in the developing countries. The variations in the English-speaking countries of the Caribbean are also brought out. Finally, there is a discussion of the occupational pyramid of the human resources in the health field, which consists of three horizontal segments. At the vertex are the university-trained categories; the middle is occupied by the technicians and auxiliary personnel, and at the base are the occupations requiring a low educational level.

  18. 1993 US petroleum engineering manpower supply and demand

    International Nuclear Information System (INIS)

    Wattenbarger, R.A.; Morriss, S.

    1994-01-01

    Each year, the SPE Manpower Committee reports on the results of petroleum engineering manpower supply and demand surveys to inform SPE members about hiring patterns of engineers in the petroleum industry and the supply of graduates from US petroleum engineering schools. The SPE Manpower Committee's US surveys show that large companies will decrease their hiring while small companies and service companies will increase their hiring of engineers. During 1992--93, only about 65% of graduating petroleum engineering students were known to have jobs. Another finding is that, overall, new US SPE membership is decreasing while non-US membership is increasing

  19. Optimal manpower allocation in aircraft line maintenance (Case in GMF AeroAsia)

    Science.gov (United States)

    Puteri, V. E.; Yuniaristanto, Hisjam, M.

    2017-11-01

    This paper presents a mathematical modeling to find the optimal manpower allocation in an aircraft line maintenance. This research focuses on assigning the number and type of manpower that allocated to each service. This study considers the licenced worker or Aircraft Maintenance Engineer Licence (AMEL) and non licenced worker or Aircraft Maintenance Technician (AMT). In this paper, we also consider the relationship of each station in terms of the possibility to transfer the manpower among them. The optimization model considers the number of manpowers needed for each service and the requirement of AMEL worker. This paper aims to determine the optimal manpower allocation using the mathematical modeling. The objective function of the model is to find the minimum employee expenses. The model was solved using the ILOG CPLEX software. The results show that the manpower allocation can meet the manpower need and the all load can be served.

  20. A systematic review of health manpower forecasting models.

    NARCIS (Netherlands)

    Martins-Coelho, G.; Greuningen, M. van; Barros, H.; Batenburg, R.

    2011-01-01

    Context: Health manpower planning (HMP) aims at matching health manpower (HM) supply to the population’s health requirements. To achieve this, HMP needs information on future HM supply and requirement (S&R). This is estimated by several different forecasting models (FMs). In this paper, we review

  1. [Development and Current Status of the Health Education Curriculum of the German Pension Insurance].

    Science.gov (United States)

    Worringen, Ulrike; Meng, Karin; Bitzer, Eva-Maria; Brandes, Iris; Faller, Hermann

    2017-08-01

    The health education curriculum of the German pension insurance comprises 27 patient education programs that are mostly indication-based. The curriculum aims to support the implementation of patient-oriented patient education in German rehabilitation centers. The effectiveness of several of the educational programs was evaluated in controlled trials with heterogeneous results. Overall, the dissemination of the evaluated programs in rehabilitation practice can be recommended. They constitute an essential part of the overall treatment concept, but are often modified in clinical practice. In particular, the physician led modules are frequently conducted in larger group settings. It is currently considered how these routine working conditions might be reflected in the quality assurance system of the German pension insurance and a cross-organizational conceptual framework. © Georg Thieme Verlag KG Stuttgart · New York.

  2. Improved operations through manpower management in the oil sector

    International Nuclear Information System (INIS)

    Ahmed, Hiba

    2007-01-01

    The need for improved operations was never higher than today in the oil industry. The world's demand for energy, especially for oil and natural gas, is rising rapidly and for many years to come. In order to meet this rising demand and to keep price volatility to a minimum; oil companies worldwide are looking for ways to improve operations in order to achieve increased production with decreased costs. This paper describes data from Southern Area Oil Operations (SAOO); an organization within the Saudi Arabian Oil Company (ARAMCO), to show how manpower management can be used to achieve improved operations. For the years 1983 to 2004, manpower management in SAOO focused on addressing both the quantity and quality dimensions of manpower. First, the level of manpower gradually declined by 35% for both the Saudi Arab and Expatriate categories for the entire period. Expatriate labor is defined as labor in three main categories: US/Canadian, UK, and Asians and Other Arabs. Second, the level of training slowly increased to align manpower to better fit organizational functions and work responsibilities. Not only a number of new training and development programs were initiated but also the percentage of employees involved in such programs doubled from 4.5% in 1990 to 8.9% in 2004. Third, technology based initiatives such as the use of computers, Internet, and intranet were heavily introduced to employees in the last 10 yrs. Due to these three changes reduced costs and increased manpower efficiency were achieved. In the period 1983 to 2004 the total labor bill declined by 35% and Net Direct Expenditures NDE by 24% after adjusting for inflation and using 2004 dollars. Net Direct Expenditure NDE is defined by SAOO to be the summation of labor cost, material cost, invoices cost, and net service income. In addition two signs of improved efficiency of manpower were apparent in the same period. First, SAOO manpower, despite its smaller size, could actually sustain an increased

  3. Manpower Requirements for Pollution Control and Water Resources in Indiana and a Related Pollution Control Technology Curriculum. Manpower Report 69-1.

    Science.gov (United States)

    Purdue Univ., Lafayette, IN. Office of Manpower Studies.

    The purpose of this study was to identify the trained manpower needed to cope with Indiana's mounting problems in air and water pollution control, liquid and solid waste disposal, and water supply and resources. This report contains data concerning the present employment, current job opportunities, and projected manpower needs for related…

  4. Manpower development for the nuclear power programme in Bangladesh

    International Nuclear Information System (INIS)

    Hossain, A.; Rahman, M.A.; Quaiyum, M.A.

    1978-01-01

    Surveys undertaken in the early sixties established that nuclear power had a great potential for meeting energy demands in Bangladesh. Therefore, since then the development of the requisite manpower for producing nuclear power in the country has been supported by the authorities. Through the co-operation of the IAEA and national and international agencies, Bangladesh has been able to create a corps of scientists and engineers trained at M.Sc. and Ph.D. levels in various nuclear science and technology disciplines. Some are professional nuclear engineers who have participated in the planning, safety evaluation, construction, commissioning and the subsequent operation of nuclear power plants. This paper reviews the present activities and the future plans for developing qualified manpower for Bangladesh's nuclear power programme. The difficulties in developing skilled manpower are also discussed. Overall manpower requirements have been evaluated. It has been found that in certain areas, such as quality control and quality assurance, BAEC has no trained personnel, and existing trained manpower falls short in requirements. Hence, recruitment is being done and training in selected areas is being arranged under different IAEA and bilateral assistance programmes, and a national nuclear training institution with adequate facilities is being established. (author)

  5. Profesional medical library education in the United States in relation to the qualifications of medical library manpower in Ohio.

    Science.gov (United States)

    Rees, A M; Rothenberg, L; Denison, B

    1968-10-01

    THE PRESENT SYSTEM OF EDUCATION FOR MEDICAL LIBRARY PRACTICE IN THE UNITED STATES CONSISTS OF FOUR MAJOR COMPONENTS: graduate degree programs in library science with specialization in medical librarianship; graduate degree programs in library science with no such specialization; postgraduate internships in medical libraries; continuing education programs. Data are presented illustrating the flow of graduates along these several educational pathways into medical library practice.The relevance of these educational components to the current medical library work force is discussed with reference to manpower data compiled for Ohio. The total number of medical library personnel in Ohio in 1968 is 316. Of this total, only forty-two (approximately 14 percent) have received any formal library training. Seventy persons have only a high school education. From these figures, it is concluded that there is no standard or essential qualification which is universally accepted as educational preparation for work in medical libraries; that the comparative sophistication of the educational programs in medical librarianship has yet to be reflected widely in general medical library practice; that an increasingly large number of non-professional or ancillary personnel are being, and will continue to be, utilized in medical libraries; that large numbers of untrained persons have sole responsibility for medical libraries; and that appropriate educational programs will have to be designed specifically for this type of personnel.

  6. Use of Data Mining Techniques to Detect Medical Fraud in Health Insurance

    Directory of Open Access Journals (Sweden)

    Kuo-Chung Lin

    2012-04-01

    Full Text Available The health insurance claims application case the inspection usually relies on experts’ experience for verification and experienced personnel in charge for checking. However, due to the heavy work load and the insufficiency of manpower and experience, the ratio of miscarriages of justice is high, leading to improper settlement of claims and the waste of social resources. This paper takes advantage of data-mining technology to design models and find out cases requiring for manual inspection so as to save time and manpower. Six models are designed in this paper. By the analysis of the 20/80 principle and the coverage and accuracy ratio, a great number of periodic data (over 2 million records are fed back to the data-mining models after repetitive verification. Also, it is discovered that to integrate the data-mining technology and feed back to different business stages so as to establish early warning system will be an important topic for the health insurance system in hospital’s EMR in the future. Meanwhile, as the information acquired by data-mining needs to be stored and the traditional database technology has limitations. Next time, this paper explores the ontology framework to be set up by semantic network technology in the future in order to assist the storage of knowledge gained by data-mining.

  7. The prospective United Kingdom nuclear energy programme up to 2000 AD and the UKAEA's role and manpower requirements

    International Nuclear Information System (INIS)

    Simeone, R.N.; Hodgkinson, I.A.

    1980-01-01

    This paper begins by surveying the development of the United Kingdom nuclear industry, its organization in both the public and private sectors of the economy, and changes in the numbers employed up to the present day. The possible future nuclear programme and overall manpower needs, and the UKAEA's role and manpower requirements within this programme, are outlined. Manpower problems arising from national shortages of engineers and technicians and reviews of arrangements for their education and training, and also from the pattern of historical development of the UKAEA, are described. UKAEA arrangements for formulating and implementing personnel policies, current policies for recruitment, carrier management and in-service training and their relationship to present and future needs are then discussed. The final section draws attention to UKAEA facilities for the training of staff from other organizations in the United Kingdom and from overseas. (author)

  8. Manpower and Transportation Planning

    NARCIS (Netherlands)

    Lai, S.W.

    2014-01-01

    This thesis studies three routing and scheduling problems arising in manpower and transportation planning. These problems are rooted in real applications, and carry interesting characteristics. By exploiting the structures of the problems, this thesis provides effective mathematical models and

  9. Manpower requirements for nuclear power in developing countries

    International Nuclear Information System (INIS)

    Csik, B.J.

    1980-01-01

    It is recognized that each country has its individual unique characteristics and that there is no typical or average developing country. Common conditions represent exceptions, rather than the rule. Manpower requirements, however, are created by the tasks to be performed and activities to be carried out at each definite stage of a nuclear power project or programme. These tasks and activities, as well as the manpower requirements they create, are of a similar nature for any country, subject to the influence of prevailing local conditions. First, successive stages of the evolution of a nuclear power programme are defined. These are: pre-planning, planning, study and procurement, construction, operation of the first plant, confirmed and self-sufficient in implementing nuclear power projects. The developing countries are then classified according to the present stage of their evolution. Finally, the present and future manpower requirements of each country or group of countries are estimated. No attempt has been made to try to establish any precise data for any country in particular. The results obtained are global estimates, intended as indications of trends and of orders of magnitude. It is found that the developing world's present manpower requirements for nuclear power are of the order of 100,000 people, of which about 20,000 need specialized nuclear training. By the year 2000, for an installed nuclear capacity of 150 to 200 GW, overall manpower requirements should increase to more than 500,000 which would include 130,000 with specialized nuclear training. (author)

  10. AB Manpower Plan 2007

    CERN Document Server

    Myers, Stephen

    2007-01-01

    The present exercise is not as such a "manpower plan" but a purely budgetary comparison of known plus requested resources with the known commitments over the period 2007-2012. From a purely budgetary point of view, AB will have the capacity to maintain all those recently hired staff who fulfill the criteria for long term employment at CERN. Following this budgetary exercise, AB proposes to perform a CERN-wide staff work plan so as to compare the manpower available to the quantity of work to be done in the totality of the work-packages. If there is a significant mismatch between these two quantities then we propose the following measures which would create personnel economies and allow us to redress the mismatch by increased recruitment: a new job severance scheme; CERN restructuring; use of the new CERN-ITER agreement; more flexibility in transfers from Materials to Personnel budgets. Failing this a re-examination of possible closure of lower priority facilities may be needed.

  11. Plan for developing a comprehensive energy manpower information system

    Energy Technology Data Exchange (ETDEWEB)

    Stewart, Lawrence G.

    1979-09-01

    The report is designed to make a beginning in broadening the scope of the comprehensive manpower information system for energy research, development, and demonstration, so that it could cover all manpower related to energy. It develops a plan for this extension, including determining which taxonomies require change, specifying the subsequent stages involved in expanding CEMIS to all energy manpower, and providing the basis for cost estimates for this work. The report is organized as follows: The analytical rationale is described in Chapter II. Chapter III reviews the status of manpower data in a number of energy sectors, notes limitations and gaps in the data, and discusses improvements and additions that should be made. The scope and structure of CEMIS are laid out in Chapter IV, with particular reference to the development of analytical processes, and of analytical linking functions between bodies of data, and a description of their application in anticipating the employment impact of energy changes. The appropriate steps recommended for the further development of CEMIS are described in Chapter V.

  12. Trained manpower resources in Brazil. Estimates and preparations

    International Nuclear Information System (INIS)

    Alves, R.N.; Araujo, R. de; Pinto, C.S.M.; Dale, C.M.M.; Souza, J.A.M. de; Spitalnik, J.

    1977-01-01

    The Brazilian nuclear programme will require by 1990 the installation of at least 10000MW(e) of nuclear power capacity, the implementation of the entire fuel cycle complex, and the creation of a reactor heavy-components manufacturing industry and of a nuclear power plant engineering capability. It has been estimated that such a programme will have to employ, up to 1985, some 7000-8000 people at the engineering and technician levels. The paper summarizes the consequent planning for preparation and qualification of manpower, which, as it involved such large numbers, required not only thorough analyses of sectoral requirements but also careful consideration of depletion rates and losses during the training process. Taking this into account, the Universities and Technical Schools will need to graduate, on average, 450 additional engineers and 550 additional technicians per year during the next ten years. For this purpose, the maximum use of the existing educational system in Brazil will avoid excessive reliance on external sources and will strengthen the local infrastructure. Crash specialization courses have been developed, in conjunction with the Universities, to comply specifically with the requirements of the nuclear programme. Only when no industrial experience can be provided in the country is on-the-job training in foreign firms considered. Training of nuclear power plant operators is also to be a local activity. An Operators Training Centre, by using a plant simulator, is being implemented with a scheduled operational date in the early 1980s. To implement the nuclear manpower programme, the Comissao Nacional de Energia Nuclear has been given the task of promoting and co-ordinating the nuclear academic education, while Empresas Nucleares Brasileiras SA is responsible for specialization and training of personnel in nuclear technology. (author)

  13. Requirements for and development of trained manpower resources

    International Nuclear Information System (INIS)

    Alves, R. Nazare; Araujo, R. de; Pinto, C. Syllus M.; Dale, C. Marcio M.; Souza, Jair A.M.; Spitalnik, J.

    1977-01-01

    The Brazilian nuclear programme will require, by 1990, the installation of at least 10 000 MWe of nuclear power capacity, the implementation of the entire fuel cycle complex, and the creation of a reactor heavy components manufacturing industry and of a nuclear power plant engineering capability. It has been estimated that such a programme will have to employ until 1985, some 7000 to 8000 people at the engineering and technician levels. As a consequence, planning the manpower preparation and qualification, involving such large numbers, required not only thorough analyses of sectoral requirements but also careful consideration of depletion rates and losses during the training process. Taking this into account, the Universities and Technical Schools will need to graduate, in average, 450 - 550 additional engineers and technicians respectively per year during the next 10 years. For this purpose, the maximum possible use of the existing educational system in the country will refrain from excessive reliance upon external sources and strengthen the local infrastructure. Crash specialization courses have been developed, in conjunction with the Universities, to specifically comply with the requirements of the nuclear programme. Only in the case where no industrial experience can be provided in the country, on-the-job training in foreign firms is being considered. Training of nuclear power plant operators is also to be a local activity. An Operators Training Center, by using a plant simulator, is under implementation with a scheduled operational date in the early eighties. For the implementation of the nuclear manpower programme, Comissao Nacional de Energia Nuclear (CNEN) has been given the task of promoting and coordinating the nuclear academic education, whereas Empresas Nucleares Brasileiras S.A. (NUCLEBRAS) has the responsibility for the specialization and training of personnel in the nuclear technological fields [es

  14. Manpower Evaluations: Vulnerable but Useful

    Science.gov (United States)

    Killingsworth, Charles C.

    1975-01-01

    Most of the evaluations of institutional training under the Manpower Development and Training Act are highly favorable. Negative criticisms, however, emphasize the uncertainties in these studies and displacement effects of the programs. The article answers these criticisms. (MW)

  15. Brief biopsychosocially informed education can improve insurance workers' back pain beliefs: Implications for improving claims management behaviours.

    Science.gov (United States)

    Beales, Darren; Mitchell, Tim; Pole, Naomi; Weir, James

    2016-11-22

    Biopsychosocially informed education is associated with improved back pain beliefs and positive changes in health care practitioners' practice behaviours. Assess the effect of this type of education for insurance workers who are important non-clinical stakeholders in the rehabilitation of injured workers. Insurance workers operating in the Western Australian workers' compensation system underwent two, 1.5 hour sessions of biopsychosocially informed education focusing on understanding and identifying barriers to recovery of injured workers with musculoskeletal conditions. Back pain beliefs were assessed pre-education, immediately post-education and at three-month follow-up (n = 32). Self-reported and Injury Management Advisor-reported assessment of change in claims management behaviours were collected at the three-month follow-up. There were positive changes in the Health Care Providers' Pain and Impairment Relationship Scale (p = 0.009) and Back Beliefs Questionnaire (p = 0.049) immediately following the education that were sustained at three-month follow-up. Positive changes in claims management behaviours were supported by self-reported and Injury Management Advisor-reported data. This study provides preliminary support that a brief biopsychosocially informed education program can positively influence insurance workers' beliefs regarding back pain, with concurrent positive changes in claims management behaviours. Further research is required to ascertain if these changes result in improved claims management outcomes.

  16. Manpower development in the US nuclear power industry

    International Nuclear Information System (INIS)

    Todreas, N.E.; Foulke, L.R.

    1985-01-01

    This paper reviews the history and current status of the university nuclear education sector and the utility training sector of the United States (US) nuclear power industry. Recently, the number of programs in the university nuclear education sector has declined, and the remaining programs are in need of both strong governmental and industrial assistance if they are to remain a stable source for educating nuclear engineers and health physicists to staff the resurgence of the nuclear power industry. The utility training sector has undergone remarkable development since the TMI-2 accident. Programs to recruit, train, and qualify the variety of personnel needed, as well as the steps to accredit these programs, are being developed on a systematic, industry-wide basis. A number of new technologies for educating and training personnel are emerging which may be used to create or improve learning environments. Manpower development for the US nuclear power industry is a shared responsibility among the universities, the nuclear utilities, and the nuclear suppliers. This shared responsibility can continue to be best discharged by enhancement of the interaction among all parties with respect to evaluating the proper level of cognitive development within the utility training program

  17. Combining Education and Work; Experiences in Asia and Oceania: Malaysia.

    Science.gov (United States)

    Murugasu, V.

    Work oriented education has been tied to national development in Malaysia since the 1960's. Increasing population, unemployment, and shortages of skilled manpower led the government to relate education more closely to work and develop technical and vocational education. Malaysia extended basic education to lower secondary manpower needs; and…

  18. A note on Markovian manpower models | Osagiede | Journal of the ...

    African Journals Online (AJOL)

    In modelling manpower systems, most authors rely on Markov-based theoretic methodology as an analytic tool to unify the states of the system with the axiomatic foundation that there is a one-stage dependence of events. In this study, Markovian manpower models are surveyed. Specific areas are highlighted as future ...

  19. CLINICAL PSYCHOLOGY – ACTUAL DIRECTION IN GROUNDING OF HEALTH MANPOWER

    Directory of Open Access Journals (Sweden)

    M.G. Kucherov

    2007-09-01

    Full Text Available In 90-ies years of last century in our country happened the crash of the system of values with transition to the standards of capitalistic society, and it lead to the formation of chronicle psychosocial stress of high and medium levels. Medics of all directions started to face functional psychosomatic diseases. Raised the necessity in grounding of health manpower in discipline of clinical psychology, with the learning of psychophisiological bases of diseases and possibilities if their correction. This direction of development of soviet medical education and health service in general seems progressive and prospective.

  20. [Human capital vs. manpower: fostering a greater global perspective within the nursing profession in Taiwan].

    Science.gov (United States)

    Chen, Li-Yen; Chou, Shieu-Ming

    2014-04-01

    Nursing today is an occupation greatly influenced and shaped by global standards and internationally recognized standard practices and requirements. Therefore, cultivating nursing capital and ensuring nursing manpower requires an international perspective. Nursing migration is currently a popular approach used by many developed countries to address domestic shortfalls in nursing manpower. These international medical services have had a great impact on nursing education. Being able to communicate in English and to adapt transculturally have thus become increasingly important. Ability to communicate well in English is one effective way both to minimize nurse-patient misunderstandings and to increase the quality of care available to foreign patients. In addition, transcultural communication underscores the value of respecting cultural diversity. Fostering and enhancing these abilities will enhance and expand the role of Taiwanese nurses in the professional global movement and increase their contributions to the internal medical community.

  1. Regional manpower planning

    OpenAIRE

    G. Erens; P. Salamink; C.A. Van der Merwe CA

    2003-01-01

    Particular problems come to the fore when planning development at the regional level. These range from the complexities of the multifarious interactions between the sect oral and local components of the region to the necessity of achieving extensive participation of regional stakeholders in the planning process. In this paper a methodology for regional manpower planning is proposed. The methodology is designed to accommodate the full range of problems by applying a systems approach which is b...

  2. A Study of Legal Manpower Demand and Supply in Pennsylvania.

    Science.gov (United States)

    Durkee, Frank M.

    This study was directed toward an examination of the legal manpower system and its response to needs in Pennsylvania. Information based on surveys is presented on: (1) lawyer-population ratios by counties, lawyer-area ratios by counties, and lawyer ratios to population and area in the State; (2) legal manpower demand in terms of correlations…

  3. IAEA's role in manpower development for nuclear power in developing countries

    International Nuclear Information System (INIS)

    Csik, B.J.; Skjoeldebrand, R.

    1985-01-01

    Strengthening the manpower infrastructures in the developing countries that have nuclear power programs or plan to start one is of primary importance. Though manpower development is mainly a national effort, outside assistance is also needed. The IAEA is heavily engaged in providing such assistance through an integral, co-ordinated program employing different means: publications, courses, information exchange meetings, fellowships, equipment grants and expert missions. The program is aimed at promoting awareness of need, importance, requirements and problems; providing guidance for assessment of manpower requirements; assisting in manpower development program planning and implementation; and providing specialized training. Within this program, efforts are concentrated mainly in those critical areas where the need for external assistance seems greatest and where the largest benefits are expected, such as planning, management, safety and quality assurance. The sustained and increasing demand of the member States for such assistance provides a measure of the success of this program

  4. [The manpower market for physicians in the Nordic countries 1980-2000].

    Science.gov (United States)

    Skoglund, E; Taraldset, A

    2000-06-30

    The ratio between population and active physicians in the Nordic countries has improved from 488 inhabitants per physician in 1980 to 315 in 2000. There is a large mobility of physicians between the countries, contributing to levelling out swings in demand and supply of manpower. Language and culture being similar, physicians can easily adjust to working in a neighbouring country. Iceland is special in this respect, as a surplus of Icelandic physicians has always found work in the other Nordic countries. Of course, their numbers are small relative to the total number of active physicians in the Nordic countries, now approximately 76,000. The number of students admitted to Nordic medical faculties has changed in line with swings in estimated future demand for manpower. Today, numbers are increasing again; this year, approximately 2,900 students will be admitted. Norway stands apart from the other Nordic countries in terms of medical manpower needs. During the last 20 years there has been a continuous shortage of physicians while all the other countries have been through periods of surplus and unemployment among physicians. Manpower forecasts in the early 1980s underestimated the growth in the health care system and hence the demand for medical manpower.

  5. Sales Force Turnover: An Exploratory Study of the Indian Insurance Sector = Prihodek od prodaje: raziskovalna študija o indijskem zavarovalniškem sektorju

    Directory of Open Access Journals (Sweden)

    Suman Pathak

    2010-03-01

    Full Text Available The insurance sector in India is rising rapidly to bring in growthand employment opportunities. Insurance companies are basicallyhuman intensive, and human resources act as an undoubteddifferentiator. Quality manpower and its retention would act as alitmus test. Turnover of sales force has been high because of lowentry and exit barriers. The paper addresses issues of recruitment,retention and turnover of sales force in insurance companies.An attempt is made to integrate them to Maslow’s NeedHierarchy. A survey was conducted among 350 employees whoworked in or had left insurance companies to analyze factors thatinfluenced their decisions and job satisfaction. The data were treatedwith factor analysis. Factors such as Safety & Security, Social &Esteem and Personal Work Style emerged as the influencers tojoin insurance companies. Primary Needs and Social & Self EsteemNeeds were the factors associated with job satisfaction; Stress,Career Advancement and Work Environment emerged as factorsfor leaving the companies.

  6. Uninsured vs. insured population

    DEFF Research Database (Denmark)

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

    2003-01-01

    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......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...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....

  7. Environmental restoration technology programs at Mesa State College: A strategic look at manpower needs

    International Nuclear Information System (INIS)

    Harrison, R.J.; Emilia, D.A.

    1991-01-01

    The environmental cleanup of Department of Energy (DOE) sites within the next 30 years requires strategic planning to ensure adequate manpower is available when needed. Manpower needs projections within DOE have been based on analyses of current industry trends that indicate a substantial shortage of scientists and engineers. This paper explores the idea that the manpower requirements of DOE's environmental restoration program are not yet fully realized by most sites, which are currently in the predecisional work phase. Experience at the Grand Junction Projects Office (GJPO), which has had environmental restoration as it primary mission for about 10 years, shows that in the postdecisional phases the manpower need for scientists and engineers decreases while the manpower need for technologists in technical, management, and support roles increases. The GJPO, with Mesa State College in Grand Junction, Colorado, has developed an Environmental Restoration Associate degree program based on a strategic look at its manpower needs. This program receives start-up funding from DOE and has received donations in the million dollar range from various industry and state government partners

  8. Volume 1: president's address, CNA committee reports

    International Nuclear Information System (INIS)

    The president's address summarizes the 1974-75 activities of the CNA and reports are given by CNA subcommittees on codes, standards and practices, economic development, education and manpower, international affairs, nuclear insurance, nuclear safety and environment, public relations, and technology. (E.C.B.)

  9. The Brazilian nuclear power manpower development programme

    International Nuclear Information System (INIS)

    Barbalho, A.R.; Spitalnik, J.; Machado, J.B.

    1983-01-01

    Since the early stages of decision making, manpower availability has been recognized to be a key factor for the implementation of Brazil's nuclear power programme. Though care has been given to securing an industrial base and financial resources, the consequences of a lack of sufficient qualified manpower could be critical for the success of the whole programme. The broad scope of the Brazilian nuclear power programme which, as a main concept, aimed at establishing in the country a complete fuel cycle industry together with the construction of nuclear power plants, added another burden to the already complex task of providing appropriate human resources when advanced technologies are introduced in a developing country. Thus, not only the work-force required for nuclear power plant operation but also that needed for plant design, component manufacture, fuel cycle plant design and operation, had to be made available in number and qualification in accordance with the standards of the nuclear industry. The feasibility of the Brazilian programme depended on a complete transfer of technology, essentially achieved through personnel training. Again, the process of manpower preparation for an efficient know-how transfer required careful planning, and the great difficulty in its implementation was the lack of reliable experience at the time. (author)

  10. MEN WANT WORK. REPORT TO THE UNITED STATES DEPARTMENT OF LABOR, OFFICE OF MANPOWER AUTOMATION AND TRAINING.

    Science.gov (United States)

    LOLLIS, DAVID L.

    THE COUNCIL OF THE SOUTHERN MOUNTAINS MADE A ONE-YEAR STUDY OF THE MANPOWER DEVELOPMENT AND TRAINING ACT IN APPALACHIA AND HELPED ESTABLISH THE YOUTH, EDUCATION, JOB DEVELOPMENT, WORK EXPERIENCE, VISTA, AND ON THE JOB TRAINING PROGRAMS WHICH ARE REVIEWED AND EVALUATED IN THIS REPORT. IT WAS CONCLUDED THAT--(1) MEN WANT JOBS, (2) WHILE UNFILLED…

  11. Meeting the manpower challenge in the transfer of nuclear power to developing countries

    International Nuclear Information System (INIS)

    Chewning, J.S.; Couchman, D.L.; Kaiz, G.H.

    1977-01-01

    One of the constraints to meeting projections of nuclear power's share of energy needs in the United States has been the various manpower problems, ranging from idling of construction manpower because of disruptions in the flow of materials and construction scheduling to the comptetition between various segments of the nuclear industry, government, and educational institutions for the available supply of experienced nuclear-oriented engineering personnel. Similar problems have been encountered in other countries which are presently partially dependent upon nuclear power for energy, and the competition for qualified personnel has become international in scope with considerable migrating of engineers among these nations. The global needs for staffing personnel of nuclear power plants and fuel cycle facilities to 1990 indicate continued stress on the international technical manpower supply. When considering the manpower and training necessary for the execution of a country's first nuclear project, the burden imposed on the purchaser's organization needs to be clearly understood. The work load and the responsibilities that cannot be transferred to other organizations is usually underestimated. In assessing the magnitude of the workload, four important points should be emphasized: (1) The responsibility for the ultimate success or failure of the nuclear project must be borne by the purchaser's organization. Contractors can assume responsibility for the performance of specific tasks but not for the entire project; (2) Even in a turnkey contact, the prime contractor normally will not assume financial responsibility for the performance of the local subcontractors, whose performance must be monitored and controlled by the purchaser's organization; (3) Many areas of a nuclear project involving domestic bureaucracy, politics, regulations, etc., can be dealt with effectively only by nationals. Examples of such areas are customs clearances and import licenses, visas, housing

  12. Survey of competing sources of manpower demand related to the nuclear power industry. Manpower studies series, Report No. 3 (Draft)

    International Nuclear Information System (INIS)

    1981-01-01

    The following is a report of a survey designed to determine competing sources of demand for technically qualified manpower. The survey is part of a larger research effort which is also designed to investigate occupational employment and training in the nuclear power industry and sources of manpower supply available to the industry. The results of those other studies have been published separately and ara available upon request. This report includes a brief discussion of the background of the study, the research methods employed, the results obtained, and some implications of those findings. The appendices contain copies of the questionnaires used in the survey as well as some additional related data

  13. High Level Manpower and Technological Change in the Steel Industry: Implications for Corporate Manpower Planning.

    Science.gov (United States)

    Hiestand, Dale L.

    The purpose of this study was to examine the role that high level manpower plays in the establishment of new technologies at the plant and industry level. The steel industry was selected as an appropriate industry to approach these questions due to: its considerable technological changes; its straightforward, easier-to-understand technology; its…

  14. Manpower requirements and development for the new 33-GW nuclear generation plan of Japan

    International Nuclear Information System (INIS)

    Nishimura, K.

    1980-01-01

    The future planned level of nuclear power generation was recently amended by the Japan Atomic Energy Commission to 33 GW by the year 1985. It means that further construction of at least 19 nuclear power plants of 1000 MW(e) each will be needed for the accomplishment of this new plan during the next seven years. The technical manpower requirement for this new plan is estimated in this paper by use of a typical model, which requires a staff of 100 persons for the normal operation of a 1000-MW(e) nuclear power plant. Among these technical staff members, the number of well-trained and experienced persons, i.e. 'key personnel', is considered to be 28. A comparison between manpower requirement and supply for the new plan is made for reactor operators, technical staff, radiation safety staff and maintenance staff. Through this comparison, nuclear training programmes for the development of manpower needed for operation and maintenance is reviewed both from the aspects of quality and quantity by taking into account the functions of the existing training courses in Japan. In addition, the periodic inspection of a nuclear power plant requires almost 1300 persons per power plant; they do not belong to the nuclear power companies, but to either directly related or sub-contracted companies. The educational problems for the 'key personnel' among these people are discussed, and a new programme is proposed. (author)

  15. The Impact of Children's Public Health Insurance Expansions on Educational Outcomes. NBER Working Paper No. 14671

    Science.gov (United States)

    Levine, Phillip B.; Schanzenbach, Diane Whitmore

    2009-01-01

    This paper examines the impact of public health insurance expansions through both Medicaid and SCHIP on children's educational outcomes, measured by 4th and 8th grade reading and math test scores, available from the National Assessment of Educational Progress (NAEP). We use a triple difference estimation strategy, taking advantage of the…

  16. Manpower analysis in transportation safety. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Bauer, C.S.; Bowden, H.M.; Colford, C.A.; DeFilipps, P.J.; Dennis, J.D.; Ehlert, A.K.; Popkin, H.A.; Schrader, G.F.; Smith, Q.N.

    1977-05-01

    The project described provides a manpower review of national, state and local needs for safety skills, and projects future manning levels for transportation safety personnel in both the public and private sectors. Survey information revealed that there are currently approximately 121,000 persons employed directly in transportation safety occupations within the air carrier, highway and traffic safety, motor carrier, pipeline, rail carrier, and marine carrier transportation industry groups. The projected need for 1980 is over 145,000 of which over 80 percent will be in highway safety. An analysis of transportation tasks is included, and shows ten general categories about which the majority of safety activities are focused. A skills analysis shows a generally high level of educational background and several years of experience are required for most transportation safety jobs. An overall review of safety programs in the transportation industry is included, together with chapters on the individual transportation modes.

  17. Indian manpower for mega nuclear project

    CERN Multimedia

    2003-01-01

    "India is supplying critical scientific manpower and high-tech components needed for building a Large Hadron Collider (LHC) - an accelerator used in particle physics research - a mega scientific project of the European Organisation for Nuclear Research (CERN) worth billions of dollars" (1/2 page).

  18. Geomatics Education: Need Assessment

    Science.gov (United States)

    Vyas, A.

    2014-11-01

    Education system is divided in to two classes: formal and informal. Formal education establishes the basis of theory and practical learning whereas informal education is largely self-learning, learning from real world projects. Generally science and technology streams require formal method of education. The social and related aspects can be taught through the other methods. Education is a media through which the foundation of the knowledge and skill is built. The statistics reveals the increase in the trend of the literate population. This may be accounted due to the level of urbanization and migration to the cities in search for the "white-collar jobs". As a result, a shift in the employment structure is observed from a primary sector to a secondary and tertiary sector. Thomas Friedman in his book `The World is Flat' quotes the impact of globalization on adaptation of science and technology, the world has become large to tiny. One of the technologies to mention here is geospatial technology. With the advancement in the satellite remote sensing, geographical information system, global positioning system, the database management system has become important subject areas. The countries are accounting hugh budget on the space technology, which includes education, training and research. Today many developing countries do not have base maps, they are lacking in the systemic data and record keeping, which are essential for governance, decision making and other development purpose. There is no trained manpower available. There is no standard hardware and software identified. An imbalance is observed when the government is promoting the use of geospatial technology, there is no trained manpower nor the availability of the experts to review the accurateness of the spatial data developed. There are very few universities which impart the degree level education, there are very few trained faculty members who give standard education, there exists a lack of standard syllabus. On

  19. Economic Ergonomic Approach to Design an Optimal Manpower and Mechanization in Rice Production

    Science.gov (United States)

    Muanah; Syuaib, M. F.; Liyantono

    2018-05-01

    Productivity of manpower could be improved by considering the economic and ergonomic aspect. The ergonomic aspect (human factor) is required to design an optimal manpower, while in the economic aspect, the well being of manpower could be evaluated from the amount of received income based on their work capability. This research was conducted on February 2016 to January 2017 in Gapoktan Silih Asih rice field Cigombong, Bogor. This study aims to analyze the income of manpower based on current conditions, increasement of working hours and mechanization addition. The results showed that manpower income based on the current condition and ergonomic consideration was Rp 1,174,030/person.month, by increasing the working hours with ergonomic consideration the obtained income was Rp 1,766,204/person.month. the revenues were based on the existing work system even though the increasement of working hours have not provided optimal income due to low productivity. Therefore the results of analysis with the addition of selective mechanization, showed self-ownership machinery was more profitable the obtained income have more than the Bogor minimum wage standard of Rp 2,969,325/person.month.

  20. Marketing in life insurance

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2006-01-01

    Full Text Available Insurance industry has traditionally been oriented on sale of its products i.e. at the stage which from the aspect of marketing theory can be characterized as sales phase, phase which proceeds the marketing orientation. However, faced with numerous challenges of modern business environment such as globalization, deregulation and sophisticated information technology insurance companies must change their way of doing business. Competition is becoming fierce as insurance companies are faced with competition not only from insurance industry but also from other competitors, such as banks, that are in position to offer product substitutes for life insurance products. In this new environment information about customers and their education are becoming critical factors. Insurance companies must know their customers what influences their demand for life insurance, what is the amount of their income, what is inflation rate, their expenditures on other goods i.e. opportunity costs, etc. Those are factors that force insurance companies to concentrate more on present and potential buyers and their needs and force them to give their best to satisfy those needs in a way that will produce delighted customers.

  1. Surveillance and analysis of nuclear R and D manpower for efficient utilization of KAERI's nuclear R and D resources

    International Nuclear Information System (INIS)

    Kim, Hyun Jun; Yang, M. H.; Song, K. D.; Chung, W. S.; Yun, S. W.; Won, B. C.; Yoon, H. M.

    1999-11-01

    This study aimed at securing row data on KAERI's manpower resources, which be useful to establish the short and long term R and D policy of KAERI. To coincide with the objectives, this study covered following scopes; (1) identification of status and issues of manpower in science and technology fields, (2) identification of status and issues of KAERI's manpower management policy, (3) gathering row data on KAERI's manpower through surveillance and analysis, and analyzing staff's perception on KAERI's manpower utilization policy, (4) suggestion of short and long term policy direction of manpower management of KAERI. (author)

  2. OPTIMAL TRAINING POLICY FOR PROMOTION - STOCHASTIC MODELS OF MANPOWER SYSTEMS

    Directory of Open Access Journals (Sweden)

    V.S.S. Yadavalli

    2012-01-01

    Full Text Available In this paper, the optimal planning of manpower training programmes in a manpower system with two grades is discussed. The planning of manpower training within a given organization involves a trade-off between training costs and expected return. These planning problems are examined through models that reflect the random nature of manpower movement in two grades. To be specific, the system consists of two grades, grade 1 and grade 2. Any number of persons in grade 2 can be sent for training and after the completion of training, they will stay in grade 2 and will be given promotion as and when vacancies arise in grade 1. Vacancies arise in grade 1 only by wastage. A person in grade 1 can leave the system with probability p. Vacancies are filled with persons in grade 2 who have completed the training. It is assumed that there is a perfect passing rate and that the sizes of both grades are fixed. Assuming that the planning horizon is finite and is T, the underlying stochastic process is identified as a finite state Markov chain and using dynamic programming, a policy is evolved to determine how many persons should be sent for training at any time k so as to minimize the total expected cost for the entire planning period T.

  3. MANPOWER FOR CALIFORNIA HOSPITALS, 1964-1975.

    Science.gov (United States)

    California State Commission on Manpower, Automation, and Technology, Sacramento.

    AN EXAMINATION OF THE HOSPITAL AND NURSING AND CONVALESCENT HOME INDUSTRY IN 1964 AND EMPLOYMENT PROJECTIONS ARE PRESENTED AS AN INITIAL CONTRIBUTION TO THE DEVELOPMENT OF AN ONGOING MANPOWER INFORMATION PROGRAM IN THE STATE. DATA WERE COMPILED FROM POPULATION PROJECTIONS BY THE CALIFORNIA DEPARTMENT OF FINANCE, WAGE SURVEY STUDIES BY THE…

  4. Manpower systems integration factors for frigate design in the Turkish Navy

    OpenAIRE

    Kilicaslan, Ismail

    2016-01-01

    Approved for public release; distribution is unlimited This research examines the manpower systems integration factors for frigate design in the Turkish Navy. The qualitative and quantitative analyses of the correlation between ship design specifications and manpower requirements play a pivotal role in this research. Information about 45 frigate classes from 29 countries is collected from the Information Handling Services Jane's Fighting Ships database and varying approaches of different n...

  5. Balancing Agile Combat Support Manpower to Better Meet the Future Security Environment

    Science.gov (United States)

    2014-01-01

    for a 3,000-person deployment package. 6 Figure 1.1 Postured Manpower Included in This Analysis NOTE: Spc = space, Avn = aviation, MX...an po w er ,  1 00 0s USAF  postured  manpower Spc,   Avn ,  Mx,  Intel Other  ACS Our  scope 7 • In Chapter Four, we discuss several

  6. Markov Chain: A Predictive Model for Manpower Planning ...

    African Journals Online (AJOL)

    ADOWIE PERE

    Keywords: Markov Chain, Transition Probability Matrix, Manpower Planning, Recruitment, Promotion, .... movement of the workforce in Jordan productivity .... Planning periods, with T being the horizon, the value of t represents a session.

  7. Manpower Planning for Wastewater Treatment Plants.

    Science.gov (United States)

    Davies, J. Kenneth; And Others

    This document discusses the components necessary in the development of a forecasting process by which manpower needs can be determined and the development of action programs by which the projected needs may be satisfied. The primary focus of this manual is directed at that person in a state agency who has the responsibility for planning the…

  8. Demand for voluntary basic medical insurance in urban China: panel evidence from the Urban Resident Basic Medical Insurance scheme.

    Science.gov (United States)

    Chen, Gang; Yan, Xiao

    2012-12-01

    This paper investigates the key factors associated with the demand for Urban Resident Basic Medical Insurance (URBMI), which was established in 2007 and aims to cover all Chinese urban residents. Two waves of longitudinal household survey data are used, and a three-level random-intercept logit model is used for the analysis. Two different sets of explanatory variables were identified for adults and children, separately. Results suggest for both the adult and the child samples that income, health status, age and health risk behaviours are key influencing factors for basic medical insurance demand. The household head's characteristics are also significantly related to other household members' medical insurance demands. Specifically, household heads who are more educated or retired are more likely to purchase medical insurance for their children. These findings suggest that an expansion of the special subsidy to the poor or, probably more important, a risk-adjusted benefit package may be needed for voluntary basic medical insurance in China. In addition, adverse selection consistently exists and is a major challenge for the sustainability of medical insurance financing. To expand insurance coverage for children, especially those under school age, special efforts (possibly through health education or health promotion) should be focused on the household head, particularly those engaging in risky health behaviours.

  9. The Effect of Manpower Planning and Development in Lagos State (Nigeria Civil Service Performance

    Directory of Open Access Journals (Sweden)

    Chinyeaka J. Igbokwe-Ibeto

    2015-12-01

    Full Text Available The study examined effects of manpower planning and development in Lagos state civil service performance. Lagos state civil service is the greatest asset of the state in its quest for socio-economic development. The primary question that was explored is whether the nature of manpower planning and development curriculum in Lagos state civil service has effect on the service performance and the attainment of state objective. The study relied on primary and secondary data, and multiple stage sampling technique was used to select the sample population. The data collected was presented in frequency bar chart and simple percentage. Pearson’s Product Moment Correlation Coefficient (PPMC statistical tool was used to test the hypotheses. Findings of the study show that the nature of manpower planning and development curriculum has a positive effect on the Lagos state civil performance. It also reveals that the manpower planning and development has a positive effect on the attainment of Lagos state objective. To achieve better performance in the service, it should among others, improve on the current manpower planning strategy and continue to update its manpower development curriculum in line with the global best practices. Given the pivotal role that technology plays in the 21st century, the service should avail itself the windows of opportunities that information technology provides in its drive to enhance employees’ skills, knowledge and abilities that will invariably improve the service performance. Yet, the service should imbibe the prescripts of New PublicManagement theory (NPM, and that goals and targets should be defined and measurable as indicators of organizational performance.

  10. MANPOWER PROJECTIONS AND TRAINING NEEDS FORECAST TO 1975 FOR THE TERRE HAUTE AREA.

    Science.gov (United States)

    Indiana State Univ., Terre Haute.

    USING U.S. CENSUS BUREAU AND INDIANA EMPLOYMENT SECURITY DIVISION DATA, A PREVIOUS STUDY WAS UPDATED TO INCLUDE PROJECTIONS OF MANPOWER AND TRAINING NEEDS FOR THE TERRE HAUTE AREA. GRAPHS SHOW TRENDS FOR EIGHT OCCUPATIONAL GROUPS IN THE UNITED STATES, THE NATION'S URBAN AREAS, INDIANA, AND THE TERRE HAUTE STANDARD METROPOLITAN AREA. MANPOWER NEEDS…

  11. Health Manpower Credentialing: Legal Implications of Institutional Licensure. Health Manpower Policy Discussion Paper Series No.: C3.

    Science.gov (United States)

    Crane, Stephen

    The objective of this analysis is to outline in broad fashion the current trends and issues in the licensure of health manpower and to contrast two proposed alternative systems of credentialing that focus on licensure of health care institutions instead of individual health care providers. The argument of the analysis is that the current system of…

  12. School Insurance: Managing the Local Program. Bulletin, 1959, No. 23

    Science.gov (United States)

    Finchum, R. N.; Viles, N. E.

    1959-01-01

    This study is the second in a series of publications by the Office of Education on school insurance. Data for this study were adapted from many sources. Among these sources were books of a technical nature, professional magazine articles, State insurance guides, research studies, insurance rating schedules, insurance company bulletins, and…

  13. Economic Reform Orchestra And Technical Manpower Development ...

    African Journals Online (AJOL)

    The study examined economic reform issues in Nigeria since 1986 and the impact on technical manpower development in Rivers State in particular. Two sets of structured questionnaire were used to elicit responses from target respondents who ultimately comprised 105 instructors and 340 final year students in the four ...

  14. FORMASY : forecasting and recruitment in manpower systems

    NARCIS (Netherlands)

    Wessels, J.; van Nunen, J.A.E.E.

    1975-01-01

    In this paper the tools are developed for forecasting and recruitment planning in a graded manpower system. Basic features of the presented approach are: - the system contains several grades or job categories in which the employees stay for a certain time before being promoted or leaving the system,

  15. FORMASY : forecasting and recruitment in manpower systems

    NARCIS (Netherlands)

    Wessels, J.; van Nunen, J.A.E.E.

    1976-01-01

    In this paper the tools are developed for forecasting and recruitment planning in a eraded manpower system. Basic features of the presented approach arc: - the system contains several &fades or job catea:ories in which the employees slay for a certain time before being promoted or leaving the

  16. Promoting Access to Health Insurance through a Multistate Extension Collaboration

    Directory of Open Access Journals (Sweden)

    Joan Koonce

    2017-03-01

    Full Text Available This paper describes a multistate project that addressed the growing need for health insurance information for individuals by focusing on the Affordable Care Act (ACA and health insurance education and outreach efforts in targeted areas of the country in federally-facilitated marketplaces with high numbers of uninsured and underinsured individuals. Specifically, the project provided ACA and health insurance information to individuals in formal and informal settings to assist them in choosing a health insurance plan through the Marketplace. Education and outreach activities included group workshops and presentations, Q&A sessions, and panel discussions; one-on-one in-person consultations, phone consultations, and email consultations; and information provided through websites, blog posts, Facebook posts, tweets, YouTube videos, email blasts, newsletters, newspaper articles, and radio and TV programs. Health insurance enrollment assistance was provided by volunteers and some Extension educators or referrals were made to Navigators or Certified Application Counselors for enrollment assistance.

  17. MANPOWER REPORT OF THE PRESIDENT AND A REPORT ON MANPOWER REQUIREMENTS, RESOURCES, UTILIZATION, AND TRAINING, MARCH 1966.

    Science.gov (United States)

    Department of Labor, Washington, DC.

    HIGHLIGHTS OF THE PRESIDENT'S REPORT INCLUDED (1) IN 1965 MORE THAN 100,000 PERSONS COMPLETED TRAINING UNDER THE MANPOWER DEVELOPMENT AND TRAINING ACT, (2) 3 OF EVERY 4 WERE PLACED IN JOBS WITHIN 90 DAYS OF COMPLETION OF THE COURSE, (3) MORE THAN 500,000 YOUNG MEN AND WOMEN WERE APPROVED FOR PARTICIPATION IN THE NEIGHBORHOOD YOUTH CORPS, (4)…

  18. THE EFFECTS OF INCOME, GENDER, AGE, EDUCATION, WORKING PERIOD, INSURANCE, TRAINING, AND WORKER STATUS ON OUTSOURCED AND WORKERS PERFORMANCE IN SOUTH SUMATERA IN MANUFACTURING COMPANIES

    OpenAIRE

    Ratna Juwita; Nurlina Tarmizi; Didik Susetyo; Bambang Bemby Soebyakto

    2017-01-01

    This research investigated the effects of income, gender, age, education, working period, insurance, training and workers’ status (outsourcing or permanent) on performance. The result showed that gender, education, insurance, training and status had positive and significant effect on performace. Income had significant and negative effect on performance, the increased income would decrease performance. Age had positive but not significant effect, the increased age would decrease...

  19. Respiratory care manpower issues.

    Science.gov (United States)

    Mathews, Paul; Drumheller, Lois; Carlow, John J

    2006-03-01

    Although respiratory care is a relatively new profession, its practitioners are deeply involved in providing patient care in the critical care. In preparation for writing this article, we sought to explore the respiratory therapy manpower needs and activities designed to fulfill those needs in critical care practice. We began by delineating the historical development of respiratory care as a profession, the development of its education, and the professional credentialing system. We then conducted several literature reviews with few articles generated. We requested and received data from the American Association for Respiratory Care (AARC), The National Board for Respiratory Care (NBRC), and the Committee on Accreditation of Respiratory Care education (CoARC) relative to their membership, number of credentialed individuals, and educational program student and graduate data for 2000 through 2004. We then conducted two electronic surveys. Survey 1 was a six-item survey that examined the use of mandatory overtime in respiratory care departments. We used a convenience sample of 30 hospitals stratified by size (or=500 beds). Survey 2 was a five-item instrument distributed by blast E-mail to the Society of Critical Care Medicine's Respiratory Care Section members and members of the RC_World list serve. This survey elicited 51 usable and non-duplicative responses from geographically and size-varied institutions. We analyzed these data in several ways from distribution analysis to one-way analysis of variance procedure and appropriate post hoc analysis techniques. Where appropriate, a matched-pairs analysis was performed and these were compared across the variables intensive care unit (ICU) beds per actual number of respiratory care practitioners (RCPs) and ICU beds per preferred number of RCPs. The data gathered from the professional organizations indicated a relatively stable attrition rate (35.2%+/-1.7-3.1%), even in the face of varying enrollments (6,231 in 2004 vs. 4

  20. Manpower requirements of quality assurance personnel for the nuclear power plants

    International Nuclear Information System (INIS)

    Aly, A.E.; El-sayed, A.A.; Shabaan, I.H.

    1987-01-01

    Basic principles for structuring and staffing of the quality assurance (Q.A.)organisation in the nuclear power plant (NPP) are presented. the manpower requirements of the Q.A.organisation in the NPP during both construction and operational stages are determined. the manpower requirements for Q.A./Q.C. functions in a NPP are found to be proportional to the number of craft workers needed to perform the required level of the construction. The Q.A./Q.C. personnel are about 15% of the total number of the craft workers required during construction

  1. Maintainability of manpower system with restricted recruitment ...

    African Journals Online (AJOL)

    The maintainability of a manpower system is studied under a Markov framework. The classical method of controlling only one factor of flow is extended to highlight the case in which two factors are under control simultaneously. One special case of this extension, where recruitment of units faces partial embargo, is given, ...

  2. Secondary Education, Training, and Employment: Nationalizing Education and Employment Problems in Malaysia

    Science.gov (United States)

    Kee, Chang Min

    1973-01-01

    The development of the Malaysian national educational system is described. An outline of the vocational component of the system is presented with an evaluation of descrepancies between output of the formal educational system and the manpower requirements of the economy. (KM)

  3. Cabinet decision creating a family planning section in the Ministry of Manpower.

    Science.gov (United States)

    1989-01-01

    As of April 1, 1989 the Indonesian Ministry of Manpower will contain a family planning section within its regular structure. It will be part of a newly created Sub-directorate for Workers Welfare, which also contains sections for health facilities/services and for nutrition and other welfare services. The family planning section is to be staffed by 8 full-time officials who are responsible for population, family welfare, and family planning programs in the Ministry of Manpower.

  4. The development of KAERI management information system -First year: The development of manpower information management system-

    Energy Technology Data Exchange (ETDEWEB)

    Kang, Shin Bok; Huh, Young Hwan; Lee, Jong Bok; Park, Soo Jin; Lee, Young Jae; Park, Yeon Sik; Jang, Deok Kyu; Park, Seung Deok; Kim, Jong Myeong [Korea Atomic Energy Res. Inst., Taejon (Korea, Republic of)

    1991-12-01

    The purpose of this report is to describe the implementation of the management information system for manpower. This job is the first year`s for development KAERI management information system. It is important to properly manage a manpower to cope with the external circumstances promptly and to maximize the productivity of the organization. This report aims at basic management of manpower and uses multimedia to keep abreast with the times and introduces the concept of GUI (Graphic User Interface) to user for ease access. (Author).

  5. The development of KAERI management information system -First year: The development of manpower information management system-

    International Nuclear Information System (INIS)

    Kang, Shin Bok; Huh, Young Hwan; Lee, Jong Bok; Park, Soo Jin; Lee, Young Jae; Park, Yeon Sik; Jang, Deok Kyu; Park, Seung Deok; Kim, Jong Myeong

    1991-12-01

    The purpose of this report is to describe the implementation of the management information system for manpower. This job is the first year's for development KAERI management information system. It is important to properly manage a manpower to cope with the external circumstances promptly and to maximize the productivity of the organization. This report aims at basic management of manpower and uses multimedia to keep abreast with the times and introduces the concept of GUI (Graphic User Interface) to user for ease access. (Author)

  6. Markov chain: a predictive model for manpower planning | Ezugwu ...

    African Journals Online (AJOL)

    In respect of organizational management, numerous previous studies have ... and to forecast the academic staff structure of the university in the next five years. ... Keywords: Markov Chain, Transition Probability Matrix, Manpower Planning, ...

  7. Evaluation formulas of manpower needs for dismantling of equipments in uranium refining and conversion plant

    International Nuclear Information System (INIS)

    Izumo, Sari; Usui, Hideo; Kubota, Shintaro; Tachibana, Mitsuo; Kawagoshi, Hiroshi; Tokuyasu, Takashi; Takahashi, Nobuo; Morimoto, Yasuyuki; Tanaka, Yoshio; Sugitsue, Noritake

    2014-07-01

    Japan Atomic Energy Agency has developed PROject management data evaluation code for DIsmantling Activities (PRODIA) to make an efficient decommissioning for nuclear facilities. PRODIA is a source code which provides estimated value such as manpower needs, costs, etc., for dismantling by evaluation formulas according to the type of nuclear facility. Evaluation formulas of manpower needs for dismantling of equipments about reprocessed uranium conversion in Uranium Refining and Conversion Plant (URCP) have been developed in this report. In the result, evaluation formulas of manpower needs for dismantling of equipment were derived based on the classifications of equipment's functions or work items. These evaluation formulas are widely applicable to the estimation of the manpower needs for dismantling the other nuclear facilities, in particular uranium handling facilities. It was confirmed that some of these evaluation formulas with the same applicable condition could be unified to some inclusive evaluation formulas. It turned out that all steel equipment contaminated by uranium could be evaluated by one evaluation formula. (author)

  8. Colloquy and workshops: regional implications of the engineering manpower requirements of the National Energy Program

    Energy Technology Data Exchange (ETDEWEB)

    Segool, H. D. [ed.

    1979-05-01

    The crucial interrelationships of engineering manpower, technological innovation, productivity and capital re-formaton were keynoted. Near-term, a study has indicated a much larger New England energy demand-reduction/economic/market potential, with a probably larger engineering manpower requirement, for energy-conservation measures characterized by technological innovation and cost-effective capital services than for alternative energy-supply measures. Federal, regional, and state energy program responsibilities described a wide-ranging panorama of activities among many possible energy options which conveyed much endeavor without identifiable engineering manpower demand coefficients. Similarly, engineering manpower assessment data was described as uneven and unfocused to the energy program at the national level, disaggregated data as non-existent at the regional/state levels, although some qualitative inferences were drawn. A separate abstract was prepared for each of the 16 individual presentations for the DOE Energy Data Base (EDB); 14 of these were selected for Energy Abstracts for Policy Analysis (EAPA) and 2 for Energy Research Abstracts (ERA).

  9. Financial requirements and manpower needs of nuclear energetics for the next fifty years

    International Nuclear Information System (INIS)

    Spital'nik, Dzh.

    1997-01-01

    Forecasts on financial and manpower requirements of rich and poor countries for NPPs construction by 2050 showed that the NPPs capacities will increase from 320 up to 2500 GW, whereby the ratio between the rich and poor countries will constitute approximately 2:1. Investments in NPPs construction will equal from 1600 up to 2700 billions dollars. Global need in manpower for NPPs will constitute by 2050 240000 man/year

  10. Future global manpower shortages in nuclear industries with special reference to india including remedial measures

    International Nuclear Information System (INIS)

    Ghosh Hazra, G.S.

    2008-01-01

    Full text: The Radiation Protection Program of the Environmental Protection Agencies of countries employ scientists, engineers, statisticians, economists, lawyers, policy analysts, and public affairs professionals amongst others. These professionals aim to protect workers, the general public, and the environment from harmful radiation exposures and to provide the technical basis for radiation protection policies and regulations. Professionals include Health physicists, Bio statistician, Radio chemist, Radio ecologist, Radio biologist etc. With a large proportion of the population of the nuclear workforce of many countries now approaching retirement age, existing power plants of these countries will be hard pressed to find enough qualified professionals to support their operations. The potential shortage of skilled manpower not only affects utilities, but also impacts the entire nuclear infrastructure, including national laboratories, federal and state agencies, nuclear technology vendors and manufacturing companies, nuclear construction companies, and university nuclear engineering departments. Manpower requirements exist in the nuclear power industry, universities and research establishments, hospitals, government departments, general industry e.g. radiography, transport, instrumentation etc., specialist contractors, agencies and consultancies serving radiation protection. India is no exception. India has the world's 12 th largest economy. Assuming India's average growth rate p.a. of more than 5%, total GDP by 2050 will increase substantially which will require proportionate increase of manpower for all industries. Also chance of brain drain is very high from developing countries e.g. from India to developed countries because of much higher pay and better lifestyle as there will be shortage of manpower in developed countries as explained above. With population growth to be stabilized in future in India, the working age population may not increase in the year 2030

  11. Current status of SMPRs and manpower development for nuclear power

    International Nuclear Information System (INIS)

    Dias, M.P.

    1994-01-01

    The development of SMPRs could make it possible for countries with small electrical grids to use nuclear power. SMPRs are still in the developing stages and none of them have the capability of good plant performance. Most of the SMPRs are in the 300 MWe range and a grid capacity of at least 2000 MWe would be required before such a power plant can be connected to the grid. There is a possibility that SMPRs could generate electricity cheaper coal plants requiring desulphurization. An unexpected increase in coal price and adverse environmental effects could make it necessary to use nuclear power in the future. Qualified manpower is required to plan, build and properly operate a nuclear power plant; and the availability of qualified manpower is a pre-condition for deciding to use nuclear power. There is a possibility that Sri Lanka would be able to use nuclear power in the next 15-20 years and a total dependence upon foreign expertise is neither possible nor desirable. Therefore pre-project activities should be considering such things as teaching nuclear science and engineering in the universities and retraining existing professionals, say from the coal power industry. Adequate emphasis must be given to manpower development and to the need to scheduling this development

  12. LP Model for Periodic Recruitment and Retrenchment of Manpower ...

    African Journals Online (AJOL)

    user

    The system also allows a periodic recruitment and retrenchment for a finite time interval. In addition to the ... manpower planning models which are based on Markov chain models. .... Moreover fractional values are approximated to be integers ...

  13. 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... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 54.440 Health and insurance... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on...

  14. 34 CFR 106.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Health and insurance benefits and services. 106.39... 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...

  15. 44 CFR 19.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Health and insurance benefits... 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...

  16. 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... the Basis of Sex in Education Programs or Activities Prohibited § 146.440 Health and insurance... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on...

  17. 10 CFR 1042.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Health and insurance benefits and services. 1042.440... 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...

  18. 45 CFR 86.39 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Health and insurance benefits and services. 86.39... 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...

  19. Computerized management report system for monitoring manpower and cost

    International Nuclear Information System (INIS)

    Bullington, V.R.; Stephenson, R.L.; Cardwell, R.G.

    1980-04-01

    Although most cost systems offer complete detail and traceability, not all provide timely detail in a concise form useful to senior management. This system was developed for a multifunction research organization funded from many sources. It extracts cost and manpower data from the general cost systems, summarizes it, compares it by program with previous cost periods, and presents it with minimum detail yet with maximum overview. The system monitors the basic manpower distribution of effort at the source, that is, the division time-card input. Cost data are taken from the central computer ahead of the print-out and report-distribution steps; thus, the summary information is available several days ahead of the detailed reports. This procedure has been regularly used for several months, and has proven to be a valuable tool in management action and planning. 9 figures

  20. Air Force Manpower Requirements and Component Mix: A Focus on Agile Combat Support

    Science.gov (United States)

    2014-01-01

    1 Efforts are underway to revitalize parts of the process, with primary emphasis on a wartime workforce planning model, Strategic Manpower...workforces of the Air Force’s manpower requirements squadrons. xiv • Refine the policies and practices for sizing wartime requirements. A revitalized ...crm.csd.disa.mil/ app /answers/detail/a_id/7759/kw/afocd and https://gum-crm.csd.disa.mil/ app /answers/detail/a_id/7504/kw/afecd, respectively. Access to myPers is

  1. 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... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 17.440 Health and insurance... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on...

  2. 40 CFR 5.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Health and insurance benefits and... 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...

  3. 10 CFR 5.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-01-01

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

  4. 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... on the Basis of Sex in Education Programs or Activities Prohibited § 229.440 Health and insurance... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on...

  5. 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... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 1253.440 Health and insurance... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on...

  6. 49 CFR 25.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Health and insurance benefits and services. 25.440... 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...

  7. 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... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 28.440 Health and insurance... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on...

  8. 29 CFR 36.440 - Health and insurance benefits and services.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Health and insurance benefits and services. 36.440 Section... 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...

  9. 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... Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 41.440 Health and insurance... insurance benefit, service, policy, or plan to any of its students, a recipient shall not discriminate on...

  10. WILLINGNESS TO TAKE AGRICULTURAL INSURANCE BY COCOA FARMERS IN NIGERIA

    Directory of Open Access Journals (Sweden)

    Abraham Falola

    2013-07-01

    Full Text Available This study examines willingness to take agricultural insurance by cocoa farmers in Nigeria. A three-stage sampling procedure was used to select 120 cocoa farm households and structured questionnaire was used to elicit data from the respondents. The data were analysed with descriptive statistics and probit regression model. Results showed that 77.5% of the farmers were aware of Agricultural Insurance but only 50% were willing to take it. The average willingness-to-pay (WTP for Agricultural Insurance by the respondents was N11,087.5/ha ($69.85/ha. The significant variables influencing willingness to take agricultural insurance by the farmers were age of household head, educational level, access to extension service and farm income. The study therefore recommends encouraging young well educated people to engage in cocoa farming, overhauling agricultural extension services as well as provision of insurance services to farmers at affordable rate.

  11. Continuing Professional Education of Insurance and Risk Management Practitioners: A Comparative Case Study of Customer Service Representatives, Insurance Agents and Risk Managers

    Science.gov (United States)

    Krauss, George E.

    2009-01-01

    The purpose of this study is to understand how selected insurance practitioners learn and developed in their practices setting. The selected insurance practitioners (collectively customer service representatives, insurance agents, and risk managers) are responsible for the counseling and placement of insurance products and the implementation of…

  12. Demand for engineering manpower at US nuclear utilities, 1987-1997

    International Nuclear Information System (INIS)

    Poling, D.Y.

    1988-01-01

    The Institute of Nuclear Power Operations (INPO), organized in December 1979, is an independent undertaking in self-improvement by the US nuclear utilities. INPO has conducted manpower surveys each year since 1981. The survey is designed to determine current employment, vacancies, turnover, and other employment-related matters at the 54 US electric utilities that operate or are constructing nuclear power plants. It also provides 10-yr projections of nuclear manpower demand at the utilities and current and 1-yr projections of employment opportunities for new engineering and science graduates. It should be noted that the data reported in this paper do not include nonutility employment; utility employment constitutes approximately one-third of the civilian nuclear work force as reported by the US Department of Energy

  13. Radiation therapy technology (radiation therapists) manpower needs 1992 comparison of radiation therapeutic technology education in Europe and the United States 1994

    International Nuclear Information System (INIS)

    Rominger, C. Jules; Owen, Jean; Thompson, Phyllis; Giordano, Patricia; Buck, Beverly; Hanks, Gerald

    1995-01-01

    The shortage of radiation therapists (radiation therapy technologists) has existed in the United States for many years. It now appears the supply may be matching the demand. This report analyzes the data from the most recent manpower study from ACR/ASTRO carried out in 1990 using the Patterns of Care Master Facility list. The report is a comparison of these figures with similar figures published in IJROBP in December, 1983. Between 1980 and 1990 the number of radiation therapists rose from 3096 to 5353, an increase of 72%. During this period of time, the number of radiation therapy machines increased 47%, and the number of patients being treated increased 30%. The total number of educational programs in radiation therapy technology increased from 101 in 1989 to 123 in 1993. The total enrollment in these programs grew from 806 in 1989 to 1591 in 1993. The number of first time examinees in radiation therapy technology by ARRT in 1983 was 387 and increased to 943 in 1994. It is apparent that as a result of the increase in the number of radiation therapy educational programs and the more effective recruitment into these program, the supply of graduating radiation therapists has reached the demand. The future needs for entry level radiation therapists should be based on current data as well as new Blue Book standards that are being developed

  14. Switching health insurers: the role of price, quality and consumer information search.

    Science.gov (United States)

    Boonen, Lieke H H M; Laske-Aldershof, Trea; Schut, Frederik T

    2016-04-01

    We examine the impact of price, service quality and information search on people's propensity to switch health insurers in the competitive Dutch health insurance market. Using panel data from annual household surveys and data on health insurers' premiums and quality ratings over the period 2006-2012, we estimate a random effects logit model of people's switching decisions. We find that switching propensities depend on health plan price and quality, and on people's age, health, education and having supplementary or group insurance. Young people (18-35 years) are more sensitive to price, whereas older people are more sensitive to quality. Searching for health plan information has a much stronger impact on peoples' sensitivity to price than to service quality. In addition, searching for health plan information has a stronger impact on the switching propensity of higher than lower educated people, suggesting that higher educated people make better use of available health plan information. Finally, having supplementary insurance significantly reduces older people's switching propensity.

  15. Private dental insurance expenditure in Brazil

    Science.gov (United States)

    Cascaes, Andreia Morales; de Camargo, Maria Beatriz Junqueira; de Castilhos, Eduardo Dickie; Silva, lexandre Emídio Ribeiro; Barros, Aluísio J D

    2018-01-01

    ABSTRACT OBJECTIVE To quantify the household expenditure per capita and to estimate the percentage of Brazilian households that have spent with dental insurance. METHODS We analyzed data from 55,970 households that participated in the research Pesquisa de Orçamentos Familiares in 2008–2009. We have analyzed the annual household expenditure per capita with dental insurance (business and private) according to the Brazilian states and the socioeconomic and demographic characteristics of the households (sex, age, race, and educational level of the head of the household, family income, and presence of an older adult in the household). RESULTS Only 2.5% of Brazilian households have reported spending on dental insurance. The amount spent per capita amounted to R$5.10 on average, most of which consisted of private dental insurance (R$4.70). Among the characteristics of the household, higher educational level and income were associated with higher spending. São Paulo was the state with the highest household expenditure per capita (R$10.90) and with the highest prevalence of households with expenditures (4.6%), while Amazonas and Tocantins had the lowest values, in which both spent less than R$1.00 and had a prevalence of less than 0.1% of households, respectively. CONCLUSIONS Only a small portion of the Brazilian households has dental insurance expenditure. The market for supplementary dentistry in oral health care covers a restricted portion of the Brazilian population. PMID:29489995

  16. Influencers of Life Insurance Investments: Empirical Evidence from Europe

    Directory of Open Access Journals (Sweden)

    Aditi Mitra

    2017-09-01

    Full Text Available This study analyzes the impact of economic, demographic and cultural factors on life insurance consumption in 28 European countries. The period of study is post financial crisis from 2009-2014, and the study considers many of the emerging Eastern European economies where there have been significant insurance sector reforms recently. Europe is the world’s largest insurance market with 35% of the overall insurance premium contribution, but ranks third in insurance per capita, hence Europe is an interesting region in which to study insurance demand. The study observed four economic parameters: GDP per capita, gross savings, competitiveness of the nation, and inflation, as significant impacts on the insurance consumption in the region. Two demographic factors, population and education, and two cultural factors, individualism and long term orientation, appear to impact insurance consumption in the selected countries.

  17. THE EFFECTS OF INCOME, GENDER, AGE, EDUCATION, WORKING PERIOD, INSURANCE, TRAINING, AND WORKER STATUS ON OUTSOURCED AND WORKERS PERFORMANCE IN SOUTH SUMATERA IN MANUFACTURING COMPANIES

    Directory of Open Access Journals (Sweden)

    Ratna Juwita

    2017-06-01

    Full Text Available This research investigated the effects of income, gender, age, education, working period, insurance, training and workers’ status (outsourcing or permanent on performance. The result showed that gender, education, insurance, training and status had positive and significant effect on performace. Income had significant and negative effect on performance, the increased income would decrease performance. Age had positive but not significant effect, the increased age would decrease performance. Working period had negative but not significsnt effect on performance, the short working period would decrease performance.

  18. RISK CORRIDORS AND REINSURANCE IN HEALTH INSURANCE MARKETPLACES: Insurance for Insurers

    OpenAIRE

    LAYTON, TIMOTHY J.; MCGUIRE, THOMAS G.; SINAIKO, ANNA D.

    2016-01-01

    In order to encourage entry and lower prices, most regulated markets for health insurance include policies that seek to reduce the uncertainty faced by insurers. In addition to risk adjustment of premiums paid to plans, the Health Insurance Marketplaces established by the Affordable Care Act implement reinsurance and risk corridors. Reinsurance limits insurer costs associated with specific individuals, while risk corridors protect against aggregate losses. Both tighten the insurer's distribut...

  19. Forecasting manpower requirements for nuclear power plant construction

    International Nuclear Information System (INIS)

    Seltzer, N.; Schriver, W.R.

    1978-01-01

    This paper presents both the methodology and results of a segment of a comprehensive construction manpower demand forecasting system aimed at forecasting virtually all construction manpower requirements in the United States of America. The part of the system dealing with the demand for construction workers needed to build nuclear powered electricity generating plants is discussed here. The object of the system is to forecast manpower construction needs for each of 29 construction crafts on a monthly basis in each of 10 geographical regions of the United States. The method used is to establish profiles of the types of workers and time phasing required in the past. Profiling was done for different types of plants, different capacity classes, and different geographical locations. An appropriate worker profile matrix cannot simply be multiplied by the capacity of the proposed plant if the number of man-hours required per kilowatt of generating capacity is not constant. The value of this latter variable has changed considerably recently - presumably because of an increased awareness of environmental and safety considerations. Econometric techniques are used to forecast values for man-hours per kilowatt which are then multiplied by projected new capacity to be put in place. The resulting total man-hour requirement is then allocated over time and by craft through use of a worker profile matrix. The summary results indicate that 20 percent increases in man-hours required per kilowatt of capacity can be expected between 1977 and 1981. Total construction labour demand will rise from 65,700 work-years in 1977 to nearly 96,600 work-years in 1981. Forecasts of the actual number of different types of workers to be demanded in each month and in each region are available from the system. (author)

  20. Crop insurance: Risks and models of insurance

    Directory of Open Access Journals (Sweden)

    Čolović Vladimir

    2014-01-01

    Full Text Available The issue of crop protection is very important because of a variety of risks that could cause difficult consequences. One type of risk protection is insurance. The author in the paper states various models of insurance in some EU countries and the systems of subsidizing of insurance premiums by state. The author also gives a picture of crop insurance in the U.S., noting that in this country pays great attention to this matter. As for crop insurance in Serbia, it is not at a high level. The main problem with crop insurance is not only the risks but also the way of protection through insurance. The basic question that arises not only in the EU is the question is who will insure and protect crops. There are three possibilities: insurance companies under state control, insurance companies that are public-private partnerships or private insurance companies on a purely commercial basis.

  1. 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

  2. Health insurance and health services utilization in Ireland.

    Science.gov (United States)

    Harmon, C; Nolan, B

    2001-03-01

    The numbers buying private health insurance in Ireland have continued to grow, despite a broadening in entitlement to public care. About 40% of the population now have insurance, although everyone has entitlement to public hospital care. In this paper, we examine in detail the growth in insurance coverage and the factors underlying the demand for insurance. Attitudinal responses reveal the importance of perceptions about waiting times for public care, as well as some concerns about the quality of that care. Individual characteristics, such as education, age, gender, marital status, family composition and income all influence the probability of purchasing private insurance. We also examine the relationship between insurance and utilization of hospital in-patient services. The positive effect of private insurance appears less than that of entitlement to full free health care from the state, although the latter is means-tested, and may partly represent health status. Copyright 2001 John Wiley & Sons, Ltd.

  3. Survey of sources of manpower supply for the nuclear power industry

    International Nuclear Information System (INIS)

    1981-01-01

    The following is a report of a survey designed to determine sources of manpower supply available to the Nuclear Power Industry. The survey is part of a larger research effort which is also designed to investigate occupational employment and training in the Nuclear Power Industry and competing sources of demand for technically qualified manpower. The results of those other studies have been published separately and are available upon request. This report includes a brief discussion of the background of the study, the research methods employed, the results obtained, and some implications of those findings. The appendices contain copies of the questionnaires used in the survey as well as some additional related data

  4. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

    Gong Zhiqi

    2000-01-01

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

  5. Associations between noncommunicable disease risk factors, race, education, and health insurance status among women of reproductive age in Brazil - 2011.

    Science.gov (United States)

    Mpofu, Jonetta Johnson; de Moura, Lenildo; Farr, Sherry L; Malta, Deborah Carvalho; Iser, Betine Moehlecke; Ivata Bernal, Regina Tomie; Robbins, Cheryl L; Lobelo, Felipe

    2016-06-01

    Noncommunicable disease (NCD) risk factors increase the risk of adverse reproductive health outcomes and are becoming increasingly common in Brazil. We analyzed VIGITEL 2011 telephone survey data for 13,745 Brazilian women aged 18-44 years in a probabilistic sample from 26 Brazilian state capitals and the Federal District. We examined associations between NCD risk factors (fruit and vegetable intake, leisure time physical activity, alcohol consumption, smoking status, BMI and hypertension status) and race, education, and insurance using chi-square tests and multivariable logistic regression models, estimating the average marginal effects to produce adjusted relative risk ratios (aRRs). Analyses were conducted using SAS 9.3 survey procedures and weighted to reflect population estimates. Women with less than a college education were more likely to report physical inactivity (adjusted relative risk (aRR) and 95% confidence interval = 1.1 (1.1-1.2)), smoking (aRR = 1.7 (1.3-2.2)), and self-reported diagnoses of hypertension (aRR = 2.0 (1.6-2.5)) compared to women with a college education or greater. Similarly, women without health insurance were more likely to report physical inactivity (aRR = 1.1 (1.1-1.2)), smoking (aRR = 1.4 (1.1-1.8)), and self-reported diagnoses of hypertension aRR = 1.4 (1.1-1.7)) compared to women with health insurance. Less variation was found by race and NCD risk factors. Targeted public health strategies and policies are needed to increase healthcare access and decrease educational and racial disparities in NCD risk factors among women of reproductive age in Brazil.

  6. Determinants of health insurance ownership among South African women

    Directory of Open Access Journals (Sweden)

    Mwabu Germano M

    2005-02-01

    Full Text Available Abstract Background Studies conducted in developed countries using economic models show that individual- and household- level variables are important determinants of health insurance ownership. There is however a dearth of such studies in sub-Saharan Africa. The objective of this study was to examine the relationship between health insurance ownership and the demographic, economic and educational characteristics of South African women. Methods The analysis was based on data from a cross-sectional national household sample derived from the South African Health Inequalities Survey (SANHIS. The study subjects consisted of 3,489 women, aged between 16 and 64 years. It was a non-interventional, qualitative response econometric study. The outcome measure was the probability of a respondent's ownership of a health insurance policy. Results The χ2 test for goodness of fit indicated satisfactory prediction of the estimated logit model. The coefficients of the covariates for area of residence, income, education, environment rating, age, smoking and marital status were positive, and all statistically significant at p ≤ 0.05. Women who had standard 10 education and above (secondary, high incomes and lived in affluent provinces and permanent accommodations, had a higher likelihood of being insured. Conclusion Poverty reduction programmes aimed at increasing women's incomes in poor provinces; improving living environment (e.g. potable water supplies, sanitation, electricity and housing for women in urban informal settlements; enhancing women's access to education; reducing unemployment among women; and increasing effective coverage of family planning services, will empower South African women to reach a higher standard of living and in doing so increase their economic access to health insurance policies and the associated health services.

  7. Health insurance tax credits, the earned income tax credit, and health insurance coverage of single mothers.

    Science.gov (United States)

    Cebi, Merve; Woodbury, Stephen A

    2014-05-01

    The Omnibus Budget Reconciliation Act of 1990 enacted a refundable tax credit for low-income working families who purchased health insurance coverage for their children. This health insurance tax credit (HITC) existed during tax years 1991, 1992, and 1993, and was then rescinded. A difference-in-differences estimator applied to Current Population Survey data suggests that adoption of the HITC, along with accompanying increases in the Earned Income Tax Credit (EITC), was associated with a relative increase of about 4.7 percentage points in the private health insurance coverage of working single mothers with high school or less education. Also, a difference-in-difference-in-differences estimator, which attempts to net out the possible influence of the EITC increases but which requires strong assumptions, suggests that the HITC was responsible for about three-quarters (3.6 percentage points) of the total increase. The latter estimate implies a price elasticity of health insurance take-up of -0.42. Copyright © 2013 John Wiley & Sons, Ltd.

  8. Health insurance premium tax credit. Final regulations.

    Science.gov (United States)

    2013-02-01

    This document contains final regulations relating to the health insurance premium tax credit enacted by the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010.These final regulations provide guidance to individuals related to employees who may enroll in eligible employer-sponsored coverage and who wish to enroll in qualified health plans through Affordable Insurance Exchanges (Exchanges) and claim the premium tax credit.

  9. Development of the Manpower Demand Forecast Model of Nuclear Industry Using the System Dynamics Method - Operation Sector

    International Nuclear Information System (INIS)

    Lee, Yong Suk; Ahn, Nam Sung

    2010-01-01

    Recently, the resource management of nuclear engineering manpower has become an important issue in Korean nuclear industry. The government's plan for increasing the number of domestic nuclear power plants and the recent success of nuclear power plant export to UAE (United Arab Emirates) will increase demand for nuclear engineers in Korea. Accordingly, the Korean government decided to supplement 2,246 engineers in the public sector of nuclear industry in the year 2010 to resolve the manpower shortage problem in the short term. However, the experienced engineers which are essentially important in the nuclear industry cannot be supplied in the short term. Therefore, development of the long term manpower demand forecast model of nuclear industry is needed. The system dynamics (SD) is useful method for forecasting nuclear manpower demand. It is because the time-delays which is important in constructing plants and in recruiting and training of engineers, and the feedback effect including the qualitative factor can be effectively considered in the SD method. Especially, the qualitative factor like 'Productivity' is very important concept in Human Resource Management (HRM) but it cannot be easily considered in the other methods. In this paper, the concepts of the nuclear manpower demand forecast model using the SD method are presented and the some simulation results are being discussed especially for the 'Operation Sector'

  10. Development of the Manpower Demand Forecast Model of Nuclear Industry Using the System Dynamics Method - Operation Sector

    Energy Technology Data Exchange (ETDEWEB)

    Lee, Yong Suk [Future and Challenges Inc., Seoul (Korea, Republic of); Ahn, Nam Sung [SolBridge International School of Business, Daejeon (Korea, Republic of)

    2010-10-15

    Recently, the resource management of nuclear engineering manpower has become an important issue in Korean nuclear industry. The government's plan for increasing the number of domestic nuclear power plants and the recent success of nuclear power plant export to UAE (United Arab Emirates) will increase demand for nuclear engineers in Korea. Accordingly, the Korean government decided to supplement 2,246 engineers in the public sector of nuclear industry in the year 2010 to resolve the manpower shortage problem in the short term. However, the experienced engineers which are essentially important in the nuclear industry cannot be supplied in the short term. Therefore, development of the long term manpower demand forecast model of nuclear industry is needed. The system dynamics (SD) is useful method for forecasting nuclear manpower demand. It is because the time-delays which is important in constructing plants and in recruiting and training of engineers, and the feedback effect including the qualitative factor can be effectively considered in the SD method. Especially, the qualitative factor like 'Productivity' is very important concept in Human Resource Management (HRM) but it cannot be easily considered in the other methods. In this paper, the concepts of the nuclear manpower demand forecast model using the SD method are presented and the some simulation results are being discussed especially for the 'Operation Sector'

  11. Factors Enhancing Manpower Efficiency from the Viewpoint of Clinical and Non-clinical Faculty Members at Guilan University of Medical Sciences in 2011

    Directory of Open Access Journals (Sweden)

    Fardin Mehrabian

    2012-11-01

    Full Text Available Introduction: There are various factors that affect manpower efficiency. Identification of the most important and influential factors on efficiency is quite essential. Analysis of factors affecting manpower efficiency from the viewpoint of clinical and non-clinical faculty members at Guilan University of Medical Sciences in 2011.Methods: This descriptive, analytical, cross-sectional study was performed in October and November in 2011. The study sample consisted of 186 faculty members, including 128 clinical and 58 non-clinical. Instruments used to collect library data were questionnaire and field studies. Exploratory factor analysis with Varimax rotation was utilized to determine the factors influencing manpower efficiency as well as loading level of each of the variables. Results: Among clinical faculty members, 70.66% of changes in manpower efficiency, and among non-clinical faculty members, 79.57% of changes in manpower efficiency were explained by 9 and 8 factors, respectivelyConclusion: Staff empowerment and organizational culture were recognized as the most important factors enhancing manpower efficiency from the viewpoint of clinical and non-clinical faculty members, respectively.

  12. Training and manpower development for nuclear energy programme

    International Nuclear Information System (INIS)

    Ajakaiye, D.E.; Elegba, S.B.

    1990-01-01

    The purpose is to train and develop the adequately qualified manpower in the areas of nuclear science and technology. Various options were introduced by the science departments, based on the existing facilities within the university. Twenty final year students were selected annually to attend a summer school in reactor physics and technology at the Karlsruhe Institute for Nuclear Research in West Germany. Also, there was approval for an annual recruitment quota of twelve graduate assistants for the nuclear project. Fifty qualified students were trained for various courses in nuclear science and technology both in the country and abroad. There had been graduates in nuclear science and technology courses up to the doctorate degree level. Part of efforts in the manpower has been directed towards the acquisition of adequate equipment for the teaching laboratories. The establishment of a training center in nuclear technology at Ahmadu Bello University and at University of Ife can only be considered as the zero phase in the nuclear programme of Nigeria. Funding of the nuclear programme must be guaranteed. It is also suggested that the nuclear project be allocated sufficient foreign exchange to meet all its commitments. (A.S.)

  13. THE ROLE OF THE WORLD INSURANCE MARKET INFRASTRUCTURE

    Directory of Open Access Journals (Sweden)

    Antonina Sholoiko

    2017-09-01

    (associations of insurance experts that serve providing of insurance services – International Association of Insurance Professionals, International Actuarial Association, International Association of Average Adjusters. Value. This study has shown that all groups of elements of world insurance market infrastructure play a significant role in the development of the insurance industry because they set such tasks as: facilitate to the global stability, safety, efficiency through the collaboration with national governments and providing members of associations with information, education, consultation and other services. More research is required to consider an activity of elements of European, American, and Asian insurance market infrastructure as leading in the world.

  14. Health insurance coverage among women in Indonesia's major cities: A multilevel analysis.

    Science.gov (United States)

    Christiani, Yodi; Byles, Julie E; Tavener, Meredith; Dugdale, Paul

    2017-03-01

    We examined women's access to health insurance in Indonesia. We analyzed IFLS-4 data of 1,400 adult women residing in four major cities. Among this population, the health insurance coverage was 24%. Women who were older, involved in paid work, and with higher education had greater access to health insurance (p health insurance across community levels (Median Odds Ratios = 3.40). Given the importance of health insurance for women's health, strategies should be developed to expand health insurance coverage among women in Indonesia, including the disparities across community levels. Such problems might also be encountered in other developing countries with low health insurance coverage.

  15. On the dynamics of workforce-mix in a manpower system

    African Journals Online (AJOL)

    In this study, the term 'wastage' is used to refer to the loss of manpower for ... allowance for excess workload is influenced by the Academic Staff Union of ...... of capacity on the size of the staff and cash management, European Journal of.

  16. India: Kudankulam NPP. Manpower and documentation. Annex 7A

    International Nuclear Information System (INIS)

    Krishnan, S.

    1999-01-01

    This annex deals with manpower and documentation. It illustrates flexibility in personnel retention arising from having a multi-unit, national nuclear power programme, supported by in-house technology. Steps taken to retrain and continually develop personnel are described. Also highlighted is the relative ease with which documentation is obtained and preserved. (author)

  17. Foreign investment in Asia in the 1990s: trends, problems and implications for manpower movements.

    Science.gov (United States)

    Sekiguchi, S

    1992-01-01

    Direct foreign investment (DFI) is described as an international reallocation of managerial resources through which manpower moves across borders bidirectionally. This paper describes the diversity and rapidity of change in DFI for flows among North America, western Europe, Japan, ASEAN, Taiwan, China, Hong Kong, Korea, and Russia, and the implications for manpower movements. The US share of DFI in the Pacific Rim has declined while that of Japan and Western Europe has increased with the newly industrialized economies emerging regionally as net capital exporters. US and western European DFI will increasingly turn toward the Americas and Europe. Diminished US DFI will likely be compensated by Asian intraregional flows led by Japan, South Korea, Singapore, and Hong Kong. As for migration trends, bidirectinal flows of unskilled and professional labor may be stimulated by DFI, but only limited direct effects upon manpower movements should be expected.

  18. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

  19. Solving a manpower scheduling problem for airline catering using metaheuristics

    DEFF Research Database (Denmark)

    Ho, Sin C.; Leung, Janny M. Y.

    2010-01-01

    We study a manpower scheduling problem with job time-windows and job-skills compatibility constraints. This problem is motivated by airline catering operations, whereby airline meals and other supplies are delivered to aircrafts on the tarmac just before the flights take-off.  Jobs (flights) must...

  20. Need and supply gap in occupational health manpower in India.

    Science.gov (United States)

    Sharma, Kavya; Zodpey, Sanjay P; Tiwari, Rajnarayan R

    2013-07-01

    Industrial growth in India has resulted in increased employment opportunities, thereby inflating the size of the workforce engaged in both organized and unorganized sectors. This workforce is exposed to various occupational factors at workplace and hence is susceptible to occupational diseases, which requires trained occupational health manpower. The present study is undertaken to estimate the need and supply gap of occupational health manpower, based on present regulations. The total workforce in the organized sector in India is 26.92 million. There are 254,951 working registered industrial factories in India, with about 11.16 million workers. These factories have employed 6953 factory medical officers (FMOs) and 2308 safety officers (SOs). Hence, for 26.92 million of total workforce engaged in organized sector, we would require a total of 16,728 FMOs and 5619 SOs, thereby estimating the deficit of 58% for FMOs and 59% for SOs based on current ratio of employment.

  1. Cooperation between gatekeepers in sickness insurance – the perspective of social insurance officers. A qualitative study

    Directory of Open Access Journals (Sweden)

    Arvidsson Barbro

    2008-11-01

    Full Text Available Abstract Background Objective was to describe variations in how social insurance officers conceive the cooperation with the health care in their daily work with sick leave. Methods Fifteen social insurance officers (SIOs working with administration of sickness benefits were interviewed. They were purposefully recruited to represent different parts of the social insurance office organization, different ages, gender, education, and work experience. The interviews were audio-recorded, transcribed verbatim and analyzed using phenomenographic approach. Results 11 women and 4 men, aged 25–65, with a work experience ranging from 1–40 years were interviewed. Three descriptive categories embracing eleven subcategories emerged: 1 Communication channels included three subcategories; to obtain medical opinions, to hold meetings with actors involved, to experience support functions; 2 Organizational conditions included five subcategories; to experience lack of time, to experience problems of availability, to experience lack of continuity, to experience unclear responsibility, to experience ongoing change; 3 Attitudes included three subcategories; to conceive the attitudes of the physicians, to conceive the attitudes of the patients, to conceive the attitudes of the SIOs. Conclusion Personal communication was described as crucial to ensure a more efficient working process. The personal contact was obstructed mainly by issues related to work load, lack of continuity, and reorganisations. By enhancing and enabling personal contact between SIOs and health care professionals, the waiting times for the sick-listed might be shortened, resulting in shorter periods of sick-leave. Issues around collaboration and communication between gatekeepers need to be recognized in the ongoing work with new guidelines and education in insurance medicine.

  2. PLAN Bicol, Philippines: health manpower development program in action.

    Science.gov (United States)

    Lind, K

    1994-06-01

    PLAN Bicol in the Philippines is a community based Health Manpower Development Program (HMDP) geared toward training and mobilization of indigenous health practitioners, providing infrastructural and logistical support to individual families, and educating the community about health, nutrition, and the environment. The field officer recommends at the initiation of a project that program staff have roles that are well defined. New programs should be introduced to the community first and should involve the community in the planning stages. The HMDP program is directed to 38 villages located around national parks that have suffered from deforestation. Community health issues are malnutrition, low immunization, and lack of access to health services. HMDP established a training program for auxiliary health workers (AHWs), who make a commitment to return to their villages after training. Midwives are being trained at local schools. Village houses are being built and repaired; water systems and sanitary toilet facilities are being installed. Village health stations have been constructed and equipped with basic medicines, supplies, and equipment, and are open 5 days a week. Health education classes inform the community about nutrition and health. The problems at inception were the unwillingness of field staff to participate in the program and a high drop out rate among AHWs. Problems were worked out as the program progressed. Facilitative factors are the close coordination with the provincial health office, community acceptance, and the availability of qualified people.

  3. Gender Disparities in Ghana National Health Insurance Claims: An Econometric Analysis

    Directory of Open Access Journals (Sweden)

    Samuel Antwi

    2014-01-01

    Full Text Available The objective of this study was to find out the gender disparities in Ghana national health insurance claims. In this work, data was collected from the policyholders of the Ghana National Health Insurance Scheme with the help of the National Health Insurance database and the patients’ attendance register of the Koforidua Regional Hospital, from 1st January to 31st December 2011. The generalized linear regression (GLR models and the SPSS version 17.0 were used for the analysis. Among men, the younger people prefer attending hospital for treatment as compared to their adult counterparts. In contrast to women, younger women favor attending hospital for treatment as compared to their adult counterparts. Among men, various levels of income impact greatly on their propensity to make an insurance claim, whereas among women only the highest income level did as compared to lowest income level.Men, who completed senior high school education, were less likely to make an insurance claim as compared to their counterparts with basic or no education. However it was women who had basic education that preferred using the hospital as compared to their more educated counterparts. It is suggested that the government should consider building more health centers, clinics and cheap-compounds in at least every community, to help reduce the travel time in accessing health care.  The ministry of health and the Ghana health service should engage older citizens by encouraging them to use hospitals when they are sick instead of other alternative care providers.

  4. Disparities in Care for Publicly Insured Women With Pregestational Diabetes.

    Science.gov (United States)

    Easter, Sarah Rae; Rosenthal, Emily W; Morton-Eggleston, Emma; Nour, Nawal; Tuomala, Ruth; Zera, Chloe A

    2017-11-01

    To investigate the association among public health insurance, preconception care, and pregnancy outcomes in pregnant women with pregestational diabetes. This is a retrospective cohort of pregnant women with pregestational type 1 or type 2 diabetes from 2006 to 2011 in Massachusetts-a state with universal insurance coverage since 2006. Women delivering after 24 weeks of gestation and receiving endocrinology and obstetric care in a multidisciplinary clinic were included. Rates of preconception consultation, our primary outcome of interest, were then compared between publicly and privately insured women. We used univariate analysis followed by logistic regression to compare receipt of preconception consultation and other secondary diabetes care measures and pregnancy outcomes according to insurance status. Fifty-four percent (n=106) of 197 women had public insurance. Publicly insured women were younger (median age 30.4 compared with 35.3 years, P<.01) with lower rates of college education (12.3% compared with 45.1%, P<.01). Women with public insurance were less likely to receive a preconception consult (5.7% compared with 31.9%, P<.01), had lower rates of hemoglobin A1C less than 6% at the onset of pregnancy (37.2% compared with 58.4%, P=.01), and experienced higher rates of pregnancies affected by congenital anomalies (10.4% compared with 2.2%, P=.02) compared with those with private insurance. In adjusted analyses controlling for educational attainment, maternal age, and body mass index, women with public insurance were less likely to receive a preconception consult (adjusted odds ratio [OR] 0.21, 95% CI 0.08-0.58), although the odds of achieving the target hemoglobin A1C (adjusted OR 0.45, 95% CI 0.20-1.02) and congenital anomaly (adjusted OR 2.23, 95% CI 0.37-13.41) were similar after adjustment. Despite continuous access to health insurance, publicly insured women were less likely than privately insured women to receive a preconception consult-an evidence

  5. Health Manpower Planning and Employment Policies for Turkey

    Directory of Open Access Journals (Sweden)

    Bulent Kilic

    2007-12-01

    Full Text Available Health manpower planning in health care should be done strategically while considering the following factors: health care needs and demands for community, health care organizations' objectives, goals and resources, goal of a high quality health workforce of sufficient size which has been appropriately distributed, their full employment realized within the appropriate time frame. A good health manpower planning consists of eight components: quantity (size, quality (skill, distribution, timing, employment, necessity, goals and resources. According to the calculations in this article, it must be 1515 people per general practitioner (GP and 1333 people per midwife. There must be 44.755 GP and 50.866 midwife for primary level in Turkey. However there are 51.530 GP and 41.513 midwife in Turkey in 2002. In this situation there is no more need for GP but there is a big need for 10.000 midwife as totally and actually 30.000 midwife for working at health centres for Turkey. As a result, this article discusses the shortcomings of Health Ministry's employment policies in Turkey. It is suggested that in the short run concepts such as physician unemployment, under-employment and flexible work hours will become frequently discussed in Turkey health care public discourse. [TAF Prev Med Bull 2007; 6(6.000: 501-514

  6. Health Manpower Planning and Employment Policies for Turkey

    Directory of Open Access Journals (Sweden)

    Bulent Kilic

    2007-12-01

    Full Text Available Health manpower planning in health care should be done strategically while considering the following factors: health care needs and demands for community, health care organizations' objectives, goals and resources, goal of a high quality health workforce of sufficient size which has been appropriately distributed, their full employment realized within the appropriate time frame. A good health manpower planning consists of eight components: quantity (size, quality (skill, distribution, timing, employment, necessity, goals and resources. According to the calculations in this article, it must be 1515 people per general practitioner (GP and 1333 people per midwife. There must be 44.755 GP and 50.866 midwife for primary level in Turkey. However there are 51.530 GP and 41.513 midwife in Turkey in 2002. In this situation there is no more need for GP but there is a big need for 10.000 midwife as totally and actually 30.000 midwife for working at health centres for Turkey. As a result, this article discusses the shortcomings of Health Ministry's employment policies in Turkey. It is suggested that in the short run concepts such as physician unemployment, under-employment and flexible work hours will become frequently discussed in Turkey health care public discourse. [TAF Prev Med Bull. 2007; 6(6: 501-514

  7. 75 FR 70690 - Visteon Corporation Springfield Plant Formerly Known as VC Regional Assembly & Manufacturing, LLC...

    Science.gov (United States)

    2010-11-18

    ... From MSX International, Adecco, and Manpower, Springfield, OH; Amended Certification Regarding... Corporation, Springfield Plant, including on-site leased workers from MSX International, Adecco, and Manpower... subject firm had their wages reported under a separate unemployment insurance (UI) tax account under the...

  8. [The becoming of public medicine in the second half of XVIII-first half of XIX centuries. Report II. The development of public systems of training of medical manpower and charity provision to socially unprotected groups of population].

    Science.gov (United States)

    Stochik, A M; Zatravkin, S N; Stochik, A A

    2013-01-01

    The present report considers the history of becoming of concept of medical police in second half of XVIII century. This concept became one of the most important instruments of public management in Austria, France, Prussia and Russia. Two directions of activity of public authorities in the area of implementation of medical police are discussed i.e. control of frauds and development of public systems of training of medical manpower and charity provision to socially unprotected groups of population. The historiographical data is presented concerning the development of public systems of training of medical manpower, reform of university medical education, implementation of hospital reform.

  9. Optimum amount of an insurance sum in life insurance

    Directory of Open Access Journals (Sweden)

    Janez Balkovec

    2001-01-01

    Full Text Available Personal insurance represents one of the sources of personal social security as a category of personal property. How to get a proper life insurance is a frequently asked question. When insuring material objects (car, house..., the problem is usually not in the amount of the taken insurance. With life insurance (abstract goods, problems as such occur. In this paper, we wish to present a model that, according to the financial situation and the anticipated future, makes it possible to calculate the optimum insurance sum in life insurance.

  10. Insuring against Health Shocks: Health Insurance and Household Choices

    OpenAIRE

    Liu, Kai

    2015-01-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investme...

  11. Indian experience in the training of manpower for nuclear power programme

    International Nuclear Information System (INIS)

    Iyengar, P.K.; Damodaran, K.K.; Sarma, M.S.R.; Wagadarikar, V.K.

    1977-01-01

    In India manpower training for the nuclear power programme started several years before the introduction of nuclear power plants. Early efforts were concentrated on developing manpower in basic sciences related to nuclear power; for example, nuclear physics, chemistry, metallurgy of nuclear materials, aspects of chemical engineering etc. The setting up of the research centre viz. Atomic Energy Establishment Trombay, now named the Bhabha Atomic Research Centre, was an important step in this direction. A programme of design and construction of research reactors and its utilization formed the backbone of manpower development. This enabled the first batch of engineers and scientists to be trained on the design and operation in the programmes connected with research reactors and use of isotopes in industry, agriculture and medicine. The next step was to establish a Training School in the Bhabha Atomic Research Centre in which fresh graduates from the Universities could be given courses both in their own disciplines and in other inter-connected disciplines of nuclear sciences. About 200 such graduates are being trained every year since 1957. An inter-disciplinary approach with teaching by working scientists and engineers and the attachment for short periods to the research laboratories is the framework of this training programme. At present about 3000 graduates from this Training School are involved in various capacities in India's nuclear power programme. With the commissioning of the first power reactors, it became necessary to conceive of training engineers, scientists and technicians, particularly for operation and maintenance of such systems on a larger scale. For this purpose, a separate training institute at Rajasthan Atomic Power Project near Rana Pratapsagar was set up. Models, simulators and courses, particularly emphasizing the heavy water system of reactors was introduced. In addition, a number of craftsmen for servicing equipment have also been trained as

  12. British Coal Compass Project summary: colliery based manpower, personnel, scheduling and safety systems and processes

    Energy Technology Data Exchange (ETDEWEB)

    Long, V. (Oasis Group PLC (United Kingdom))

    1994-01-01

    In early 1991, British Coal reviewed its existing personnel and manpower planning systems and concluded they were inadequate for the future needs of the business. With wages accounting for 40% British Coal's 1990/91 operational costs, the Corporation targeted manpower management as an area to deliver further improvements. British Coal's strategy to continue to improve productivity required payroll and personnel related systems which could support new flexible working hours and variable shifts. This strategy would enable machine running time to be increased, leading to improved productivity levels. 3 figs.

  13. A survey on critical factors influencing agricultural insurance

    Directory of Open Access Journals (Sweden)

    Ali Valipour

    2013-01-01

    Full Text Available Agricultural business is a very high-risk job and an increase demand for agricultural products from one side and steady increase in production cost and weather changes, on the other side, have motivated many to use insurance for agricultural products. Insurance plays an important role in influencing crop production and insured satisfaction or farmers. The purpose of this research is to find critical components in agricultural insurance. Based on an exploration of the literature review and interviews, the proposed study of this paper extracts 24 variables and using factor analysis, we select the most important factors, which are grouped in seven categories. The implementation of our factor analysis has revealed uncertainty, moderator, market equilibrium, risky environment, empowering factor, education, training, structural hazards and natural ecosystems as the most important factors influencing agricultural industry.

  14. Determinants of Insurance Purchase Decision Making in Lithuania

    DEFF Research Database (Denmark)

    Ulbinaite, Aurelija; Kucinskiene, Marija; Le Moullec, Yannick

    2013-01-01

    This paper deals with the examination of insurance consumer behaviour in Lithuania. The purpose of the work is to determine the factors that explain the insurance service purchase decision of the Lithuanian citizens. To this end, a structured 5-point Likert scale questionnaire-based survey...... is employed to collect data. A research model composed of two main stages (purchase inclination and decision) is proposed. Factor analysis and multiple regression analysis are used to determine how the factors are formed and what their relative weights are. Five factors are identified: the acceptability...... to decide to actually purchase them; the higher degree or education acquired by the individuals, the fewer factors impact their insurance purchase decision: masters and doctors of science evaluate only the insurance service provider’s competence, while bachelors, besides the insurer’s competence, are also...

  15. Premium Forecasting of an Insurance Company: Automobile Insurance

    OpenAIRE

    Fouladvand, M. Ebrahim; Darooneh, Amir H.

    2002-01-01

    We present an analytical study of an insurance company. We model the company's performance on a statistical basis and evaluate the predicted annual income of the company in terms of insurance parameters namely the premium, total number of the insured, average loss claims etc. We restrict ourselves to a single insurance class the so-called automobile insurance. We show the existence a crossover premium p_c below which the company is loss-making. Above p_c, we also give detailed statistical ana...

  16. Manpower requirements for nuclear power programmes in nations of intermediate capacity

    International Nuclear Information System (INIS)

    Cantarell, I.; Cerrolaza, J.A.; Llado, J.M.

    1980-01-01

    A study is made of the manpower required for initiating and carrying out a nuclear power programme in countries which have not developed their own nuclear technology but where the technical and economic level is such to permit a substantial input from local industry. The discussion is based on Spanish experience. The three basic elements in a nuclear programme are taken to be the operating company, the regulating authority and the engineering firm involved. The role of each of these is briefly considered and the manpower requirements during the design, construction and operational phases of a power station are evaluated. A short account is also given of the manpower requirements of other enterprises such as those involved in the civil engineering, the assembly and construction control. The variations in the labour force are described with the aim of deriving estimates of the number of people involved in the development of a nuclear power programme as a function of time: actual numbers are given for the case of the Spanish national energy plan. A brief description is given of the various courses on nuclear science and engineering provided in Spain and the requirements laid down by the regulations. A short account is given of Spanish nuclear development, with emphasis on the work carried out by the Nuclear Energy Board, not only as a research organization but also in its promotional and training capacities and as a source of personnel for industry. Finally, some comments are made on the possibilities opened up by international co-operation. (author)

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

    Science.gov (United States)

    Liu, Kai

    2016-03-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. Copyright © 2016 Elsevier B.V. All rights reserved.

  18. Technical vocational education in India

    OpenAIRE

    溝上, 智恵子

    1999-01-01

    In India, several efforts have been made for the development of skilled manpower during the last twenty years since the launch of formal technical vocational education at school. A huge education infrastructure has developed in India. However, 45~50 percent of the population of India is still illiterate. To solve the mismatch between education and employment, a revolution in education is really needed. Additionally, there is a need for a system of National Vocational Qualifications in India a...

  19. Solving a manpower scheduling problem for airline catering using tabu search

    DEFF Research Database (Denmark)

    Ho, Sin C.; Leung, Janny M. Y.

    We study a manpower scheduling problem with job time-windows and job-skills compatibility constraints. This problem is motivated by airline catering operations, whereby airline meals and other supplies are delivered to aircrafts on the tarmac just before the flights take off. Jobs (flights) must...

  20. 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

  1. Guaranteed Student Loans: Analysis of Insurance Premiums Charged by Guaranty Agencies. Briefing Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

    Science.gov (United States)

    Comptroller General of the U.S., Washington, DC.

    The insurance premium rates that guaranty agencies charge student borrowers under the Guaranteed Student Loan program were analyzed by the U.S. General Accounting Office. The Higher Education Amendments of 1986 established a maximum rate (3% of the principal loan amount) that all agencies could charge student borrowers. Comparisons were made of…

  2. Manpower Development in Toxicology. EURO Reports and Studies, No. 9.

    Science.gov (United States)

    World Health Organization, Copenhagen (Denmark). Regional Office for Europe.

    This report addresses the widely held view that currently available literature in toxicology is inadequate in that there is a need to identify manpower deficiencies in this field and to suggest means to correct these deficiencies. It contains a list of specific recommendations including the organization of a working group, sponsored by the World…

  3. Research Directory for Manpower, Personnel, Training, and Human Factors, 1992

    Science.gov (United States)

    1992-11-01

    Malone 703-698-6225 Smart Contract Preparation Expediter (R) Ms Joan E Forester 410-278-2946 DSN:298-2946 (P) Mr R Cofod 703-359-0996 Soldier...Mike Hanuschik 513-255-3871 DSN:785-3871 Small Unit Maintenance Manpower Analyses (SUMMA) (R) Mr Edward Boyle 513-255-3871 DSN:785-3871 Smart Contract Preparation

  4. A Rational Approach to Estimating the Surgical Demand Elasticity Needed to Guide Manpower Reallocation during Contagious Outbreaks

    OpenAIRE

    Tsao, Hsiao-Mei; Sun, Ying-Chou; Liou, Der-Ming

    2015-01-01

    Background Emerging infectious diseases continue to pose serious threats to global public health. So far, however, few published study has addressed the need for manpower reallocation needed in hospitals when such a serious contagious outbreak occurs. Aim To quantify the demand elasticity of the major surgery types in order to guide future manpower reallocation during contagious outbreaks. Materials and Methods Based on a nationwide research database in Taiwan, we extracted the monthly volume...

  5. Exploring health insurance services in Sudan from the perspectives of insurers.

    Science.gov (United States)

    Salim, Anas Mustafa Ahmed; Hamed, Fatima Hashim Mahmoud

    2018-01-01

    It has been 20 years since the introduction of health insurance in Sudan. This study was the first one that explored health insurance services in Sudan from the perspectives of the insurers. This was a qualitative, exploratory, interview study. The sampling frame was the list of Social Health Insurance and Private Health Insurance institutions in Sudan. Participants were selected from the four Social Health Insurance institutions and from five Private Health Insurance companies. The study was conducted in January and February 2017. In-depth individual interviews were conducted with a convenient sample of key executives from the different health insurers. Ideas and themes were identified and analysed using thematic analysis. The result showed that universal coverage was not achieved despite long time presence of Social Health Insurance and Private Health Insurance in Sudan. All participants described their services as comprehensive. All participants have good perception of the quality of the services they provide, although none of them investigated customer satisfaction. The main challenges facing Social Health Insurance are achieving universal coverage, ensuring sustainability and recruitment of the informal sector and self-employed population. Consumers' affordability of the premiums is the main obstacle for Private Health Insurance, while rising healthcare cost due to economic inflation is a challenge facing both Social Health Insurance and Private Health Insurance. In spite of the presence of Social Health Insurance and Private Health Insurance in Sudan, the country is still far from achieving universal coverage. Moreover, the sustainability of health insurance is questionable. The main reasons include low governmental financial resources and lack of affordability by beneficiaries especially for Private Health Insurance. This necessitates finding solutions to improve them or trying other types of health insurance. The quality of services provided by Social

  6. Modeling Manpower and Equipment Productivity in Tall Building Construction Projects

    Science.gov (United States)

    Mudumbai Krishnaswamy, Parthasarathy; Rajiah, Murugasan; Vasan, Ramya

    2017-12-01

    Tall building construction projects involve two critical resources of manpower and equipment. Their usage, however, widely varies due to several factors affecting their productivity. Currently, no systematic study for estimating and increasing their productivity is available. What is prevalent is the use of empirical data, experience of similar projects and assumptions. As tall building projects are here to stay and increase, to meet the emerging demands in ever shrinking urban spaces, it is imperative to explore ways and means of scientific productivity models for basic construction activities: concrete, reinforcement, formwork, block work and plastering for the input of specific resources in a mixed environment of manpower and equipment usage. Data pertaining to 72 tall building projects in India were collected and analyzed. Then, suitable productivity estimation models were developed using multiple linear regression analysis and validated using independent field data. It is hoped that the models developed in the study will be useful for quantity surveyors, cost engineers and project managers to estimate productivity of resources in tall building projects.

  7. Education and Manpower development for Cleaner Production

    DEFF Research Database (Denmark)

    Jørgensen, Michael Søgaard

    1996-01-01

    An overview of the needs for education and training for dissemination and implementation of cleaner production. Expericne from training in companies and training of officials from public authorities and from integration into engineering, business and management and social science curricula...

  8. Training of manpower resources at the National Atomic Energy Commission of Argentina

    International Nuclear Information System (INIS)

    Ambrosis de Libanati, Nelly

    1982-01-01

    The main factors that influenced the development of the manpower resources required by CNEA over its thirty years of life are discussed: a careful specialized training; basic and applied research groups as a basic support for the other activities; teams responsible for the applications and for the concrete realizations of increasing complexity carried out by CNEA, culminating with the nuclear power plants; CNEA's relations with the national educational system regarding nuclear specialization; CNEA's international interaction, either by the participation of foreigners in its internal courses, by the commissioning of Argentinians abroad, and by the cooperation with international agencies in organizing courses, seminars and conferences; the influence of the radiological protection and nuclear safety requirements on the training programs, on nuclear industry, and on the users of radioisotopes and radiations; the importance of feeding the results of each activity back into the system so as to obtain a dynamic programming adapted to the requirements at all times. (M.E.L.) [es

  9. Manpower development in Africa and the regional manpower development project RAF/0/003. Special evaluation

    International Nuclear Information System (INIS)

    1992-01-01

    At the start of the Agency's technical co-operation activities in 1958, many of its developing Member States were just embarking on nuclear activities. To make basic nuclear training available for these countries became the first concern of the Agency and initially fellowships constituted more than 80% of the assistance provided. During the 1960s, while the programmes' expert and equipment components grew steadily, fellowships still represented more than 50% of the assistance provided to individual Member States. As counterpart institutions slowly build up small cadres of qualified staff, the share of training in the Agency's programme of technical co-operation became less dominant and, by 1986, only 22% of the funds spent on country programmes were devoted to fellowships. In the Africa region, where the share of fellowship training provided to individual Member States had dropped even below the 20% mark, and where the participation in group training events was the lowest of any region, this was having serious consequences on manpower development, as was pointed out in two separate evaluations. At least some opportunities exist in about 60% of the countries in the region for training in selected areas of nuclear science and technology, but only 20% of the countries provide training up to the MSc/PhD level. The number of trainees in nuclear science and technology graduating each year from national institutions is very small and cannot be considered adequate to satisfy existing manpower needs of the country concerned and of the region as a whole. Very few - if any - opportunities for nuclear training abroad are available for candidates from the region other than those funded by the Agency. There is very little awareness at the national level as to the actual training needs in the nuclear field in most countries of the region, underlining the importance of the role of the Agency, not only as a provider of training, but also as an adviser on assessing training needs at

  10. Manpower Theory and Policy and the Residual Occupational Elasticity of Substitution.

    Science.gov (United States)

    Rostker, Bernard Daniel

    By developing the short-run policy implications of a structurally disaggregated labor market, this study attempts to show that fiscal and manpower policies are complementary means to achieve full employment. Using a constant elasticity of substitution production function, the study demonstrates mathematically that the smaller the residual…

  11. 24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

  12. Willingness To Pay for Social Health Insurance in Iran

    Science.gov (United States)

    Nosratnejad, Shirin; Rashidian, Arash; Mehrara, Mohsen; Sari, Ali Akbari; Mahdavi, Ghadir; Moeini, Maryam

    2014-01-01

    Objective: The substantial level of out-of-pocket expenditure for health care by the population causes policy makers to draw particular attention to the proposal of a social health insurance for uninsured members of the community. Hence, it is essential to gather reliable information about the amount of Willingness To Pay (WTP) for health insurance. We assessed the WTP for health insurance in Iran in order to suggest an affordable social health insurance. Method: The study sample included 300 household heads in all Iranian provinces. The double bounded dichotomous choice approach was used to elicit the WTP. Result: The average WTP for social health insurance per person per month was 137 000 Rial (5.5 $US). Household heads with higher levels of education, income and those who worked had more WTP for the health insurance. Besides, the WTP increased in direct proportion to the number of insured members of each household and in inverse proportion to the family size. Conclusions: From a policy point of view, the WTP value can be used as a premium in a society. An important finding of this study is that although households’ Willingness To Pay is not more than the total insurance premium, households are willing to pay more than the premium they ought to pay for health insurance coverage. That is, total insurance premium is 150 000 Rials and households ought to pay approximately half of this sum. This can afford policy makers the ideal opportunity to provide good insurance coverage for medical services according to the need of society. PMID:25168979

  13. Life insurance investment and stock market participation in Europe.

    Science.gov (United States)

    Cavapozzi, Danilo; Trevisan, Elisabetta; Weber, Guglielmo

    2013-03-01

    In most European countries life insurance has played a key role in household portfolios, to the extent that it has often been the first asset ever purchased. In this paper we use life history data from a host of European countries to investigate the role of life insurance investment in shaping individuals' attitudes towards participation in stocks and mutual funds. We show that individuals who purchased a life insurance policy are more likely to invest in stocks and mutual funds later. On the one hand, these findings support the notion that life insurance policies play an educational role in financial investment. On the other hand, they are also consistent with behavioural models where economic agents are first concerned with avoiding unacceptable adverse scenarios by purchasing low risk investments, such as life insurance policies, and then invest in riskier assets, such as stocks and mutual funds, to obtain higher economic returns. Copyright © 2012 Elsevier Ltd. All rights reserved.

  14. 76 FR 77442 - Mutual Insurance Holding Company Treated as Insurance Company

    Science.gov (United States)

    2011-12-13

    ... insurance industry traces its roots back to England, where, in 1696, the first mutual fire insurer was... FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 380 RIN 3064-AD89 Mutual Insurance Holding Company Treated as Insurance Company AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Notice...

  15. U.S. Economic Debt Crisis Solutions: Adjusting Army Manpower

    Science.gov (United States)

    2012-02-27

    leaders must lower the reliance on Army manpower in responding to global issues while working to refocus the diplomatic, informational and economic...as many former Presidents, saw the utility and correspondingly endorsed the need to lead with diplomatic efforts in confronting global issues and 19...national power are often seen as a balancing act in addressing global issues , any reduction or addition to one element requires consideration of a

  16. Curriculum Development and Adaptation in Vocational Education in Taiwan, Republic of China.

    Science.gov (United States)

    Chang, Tien-Jin Frank

    Taiwan has recently changed from an agricultural to an industry-intensive society. Vocational education should assume the responsibility of educating students to meet the manpower needs of industry, and vocational education programs have rapidly expanded. The government lists technical and vocational education as one of the top priorities in the…

  17. Health care utilisation amongst Shenzhen migrant workers: does being insured make a difference?

    Directory of Open Access Journals (Sweden)

    Jiang Hanping

    2009-11-01

    Full Text Available Abstract Background As one of the most populous metropolitan areas in the Pearl River Delta of South China, Shenzhen attracts millions of migrant workers annually. The objectives of this study were to compare health needs, self-reported health and healthcare utilisation of insured and uninsured migrant workers in Shenzhen, China, where a new health insurance scheme targeting at migrant workers was initiated. Methods A cross-sectional survey using multi-staged sampling was conducted to collect data from migrant factory workers. Statistical tests included logistic regression analysis were used. Results Among 4634 subjects (96.54% who responded to the survey, 55.11% were uninsured. Disease patterns were similar irrespective of insurance status. The uninsured were more likely to be female, single, younger and less educated unskilled labourers with a lower monthly income compared with the insured. Out of 1136 who reported illness in the previous two weeks, 62.15% did not visit a doctor. Of the 296 who were referred for inpatient care, 48.65% did not attend because of inability to pay. Amongst those who reported sickness, 548 were insured and 588 were uninsured. Those that were insured, and had easier access to care were more likely to make doctor visits than those who were uninsured. Conclusion Health care utilisation patterns differ between insured and uninsured workers and insurance status appears to be a significant factor. The health insurance system is inequitably distributed amongst migrant workers. Younger less educated women who are paid less are more likely to be uninsured and therefore to pay out of pocket for their care. For greater equity this group need to be included in the insurance schemes as they develop.

  18. 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...

  19. Insurance premiums and insurance coverage of near-poor children.

    Science.gov (United States)

    Hadley, Jack; Reschovsky, James D; Cunningham, Peter; Kenney, Genevieve; Dubay, Lisa

    States increasingly are using premiums for near-poor children in their public insurance programs (Medicaid/SCHIP) to limit private insurance crowd-out and constrain program costs. Using national data from four rounds of the Community Tracking Study Household Surveys spanning the seven years from 1996 to 2003, this study estimates a multinomial logistic regression model examining how public and private insurance premiums affect insurance coverage outcomes (Medicaid/SCHIP coverage, private coverage, and no coverage). Higher public premiums are significantly associated with a lower probability of public coverage and higher probabilities of private coverage and uninsurance; higher private premiums are significantly related to a lower probability of private coverage and higher probabilities of public coverage and uninsurance. The results imply that uninsurance rates will rise if both public and private premiums increase, and suggest that states that impose or increase public insurance premiums for near-poor children will succeed in discouraging crowd-out of private insurance, but at the expense of higher rates of uninsurance. Sustained increases in private insurance premiums will continue to create enrollment pressures on state insurance programs for children.

  20. Extending health insurance coverage to the informal sector: Lessons from a private micro health insurance scheme in Lagos, Nigeria.

    Science.gov (United States)

    Peterson, Lauren; Comfort, Alison; Hatt, Laurel; van Bastelaer, Thierry

    2018-04-15

    As a growing number of low- and middle-income countries commit to achieving universal health coverage, one key challenge is how to extend coverage to informal sector workers. Micro health insurance (MHI) provides a potential model to finance health services for this population. This study presents lessons from a pilot study of a mandatory MHI plan offered by a private insurance company and distributed through a microfinance bank to urban, informal sector workers in Lagos, Nigeria. Study methods included a survey of microfinance clients, key informant interviews, and a review of administrative records. Demographic, health care seeking, and willingness-to-pay data suggested that microfinance clients, particularly women, could benefit from a comprehensive MHI plan that improved access to health care and reduced out-of-pocket spending on health services. However, administrative data revealed declining enrollment, and key informant interviews further suggested low use of the health insurance plan. Key implementation challenges, including changes to mandatory enrollment requirements, insufficient client education and marketing, misaligned incentives, and weak back-office systems, undermined enrollment and use of the plan. Mandatory MHI plans, intended to mitigate adverse selection and facilitate private insurers' entry into new markets, present challenges for covering informal sector workers, including when distributed through agents such as a microfinance bank. Properly aligning the incentives of the insurer and the agent are critical to effectively distribute and service insurance. Further, an urban environment presents unique challenges for distributing MHI, addressing client perceptions of health insurance, and meeting their health care needs. Copyright © 2018 John Wiley & Sons, Ltd.

  1. Nuclear insurance

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    The yearbook contains among others the figures of the nuclear insurance line. According to these these the DKVG (German nuclear power plant insurance association) has 102 member insurance companies all registered in the Federal Republic of Germany. By using reinsurance capacities of the other pools at present property insurance amounts to 1.5 billion DM and liability insurance to 200 million DM. In 1991 the damage charges on account of DKV amounted to 3.1 (1990 : 4.3) million DM. From these 0.6 million DM are apportioned to payments and 2.5 million DM to reserves. One large damage would cost a maximum gross sum of 2.2 billion DM property and liability insurance; on account of DKVG 750 million DM. (orig./HSCH) [de

  2. Characterization of health physics technician manpower supply and training programs

    International Nuclear Information System (INIS)

    Kathren, R.L.; Mann, J.C.

    1983-01-01

    The purpose of this study is twofold: (1) to determine the current status and recent trends in radiation safety manpower supply and demand among DOE contractors; and (2) to document the scope of radiation safety training activities within the DOE contractor system. A questionnaire has been developed in conjunction with Oak Ridge Associated Universities to gather data in these two areas

  3. Main Determinants of Supplementary Health Insurance Demand: (Case of Iran)

    Science.gov (United States)

    Motlagh, Soraya Nouraei; Gorji, Hassan Abolghasem; Mahdavi, Ghadir; Ghaderi, Hossein

    2015-01-01

    Introduction: In the majority of developing countries, the volume of medical insurance services, provided by social insurance organizations is inadequate. Thus, supplementary medical insurance is proposed as a means to address inadequacy of medical insurance. Accordingly, in this article, we attempted to provide the context for expansion of this important branch of insurance through identification of essential factors affecting demand for supplementary medical insurance. Method: In this study, two methods were used to identify essential factors affecting choice of supplementary medical insurance including Classification and Regression Trees (CART) and Bayesian logit. To this end, Excel® software was used to refine data and R® software for estimation. The present study was conducted during 2012, covering all provinces in Iran. Sample size included 18,541 urban households, selected by Statistical Center of Iran using 3-stage cluster sampling approach. In this study, all data required were collected from the Statistical Center of Iran. Results: In 2012, an overall 8.04% of the Iranian population benefited from supplementary medical insurance. Demand for supplementary insurance is a concave function of age of the household head, and peaks in middle-age when savings and income are highest. The present study results showed greater likelihood of demand for supplementary medical insurance in households with better economic status, higher educated heads, female heads, and smaller households with greater expected medical expenses, and household income is the most important factor affecting demand for supplementary medical insurance. Conclusion: Since demand for supplementary medical insurance is hugely influenced by households’ economic status, policy-makers in the health sector should devise measures to improve households’ economic or financial access to supplementary insurance services, by identifying households in the lower economic deciles, and increasing their

  4. Web Application for Actuarial Calculations for Insurance

    OpenAIRE

    Dobrev, Hristo; Kyurkchiev, Nikolay

    2013-01-01

    Report published in the Proceedings of the National Conference on "Education in the Information Society", Plovdiv, May, 2013 During the last 10 years a growing interest in the modernization of vocational education of actuaries, the content of actuarial study programs, consistent with global traditions and trends is indicated. Web application for insurance actuarial calculations is explored. Association for the Development of the Information Society, Institute of Mathematics and...

  5. Age and choice in health insurance: evidence from a discrete choice experiment.

    Science.gov (United States)

    Becker, Karolin; Zweifel, Peter

    2008-01-01

    A uniform package of benefits and uniform cost sharing are elements of regulation inherent in most social health insurance systems. Both elements risk burdening the population with a welfare loss if preferences for risk and insurance attributes differ. This suggests the introduction of more choice in social health insurance packages may be advantageous; however, it is widely believed that this would not benefit the elderly.A representative telephone survey of 1000 people aged >24 years living in the German- and French-speaking parts of Switzerland was conducted. Participants were asked to compare the status quo (i.e. their current insurance contract) with ten hypothetical alternatives. In addition, participants were asked questions concerning utilization of healthcare services; overall satisfaction with the healthcare system, insurer and insurance policy; and a general preference for new elements in the insurance package. Socioeconomic variables surveyed were age, sex, total household income, education (seven categories ranging from primary school to university degree), place of residence, occupation, and marital status. To examine the relationship between age and willingness to pay (WTP) for additional options in Swiss social health insurance.A representative telephone survey of 1000 people aged >24 years living in the German- and French-speaking parts of Switzerland was conducted. Participants were asked to compare the status quo (i.e. their current insurance contract) with ten hypothetical alternatives. In addition, participants were asked questions concerning utilization of healthcare services; overall satisfaction with the healthcare system, insurer and insurance policy; and a general preference for new elements in the insurance package. Socioeconomic variables surveyed were age, sex, total household income, education (seven categories ranging from primary school to university degree), place of residence, occupation, and marital status. A discrete choice

  6. Health insurers promoting employee wellness: strategies, program components and results.

    Science.gov (United States)

    Murphy, Brigid M; Schoenman, Julie A; Pirani, Hafiza

    2010-01-01

    To examine health insurance companies' role in employee wellness. Case studies of eight insurers. Wellness activities in work, clinical, online, and telephonic settings. Senior executives and wellness program leaders from Blue Cross Blue Shield health insurers and from one wellness organization. Telephone interviews with 20 informants. Health insurers were engaged in wellness as part of their mission to promote health and reduce health care costs. Program components included the following: education, health risk assessments, incentives, coaching, environmental consultation, targeted programming, onsite biometric screening, professional support, and full-time wellness staff. Programs relied almost exclusively on positive incentives to encourage participation. Results included participation rates as high as 90%, return on investment ranging from $1.09 to $1.65, and improved health outcomes. Health insurers have expertise in developing, implementing, and marketing health programs and have wide access to employers and their employees' health data. These capabilities make health insurers particularly well equipped to expand the reach of wellness programming to improve the health of many Americans. By coupling members' medical data with wellness-program data, health insurers can better understand an individual's health status to develop and deliver targeted interventions. Through program evaluation, health insurers can also contribute to the limited but growing evidence base on employee wellness programs.

  7. Workplace Literacy Program (WPL) at Chinatown Manpower Project, Inc. Final Evaluation.

    Science.gov (United States)

    Friedenberg, Joan E.

    This document describes the procedures for and results of the external evaluation of the workplace literacy program for underemployed garment industry workers with low English skills at Chinatown Manpower Project, Inc. in Chinatown in New York City. The document describes the evaluation design and methodology as well as the evaluation results,…

  8. The Manpower Aspect in the Field of Sport

    Directory of Open Access Journals (Sweden)

    Melania Kiswandari

    2012-09-01

    Full Text Available As a result of enhanced professionalism and commercialization in the field of sports, it has become an industry of its own. Professionalism and industrialization are correlated; therefore sports actors’ performance achieved as a result of their professionalism lead to the commercialization, and even to the industrialization of certain (branches of sports. On the other hand, it is considered that industrialization which involves the commercial aspect is able to maintain, and even enhance sports actors’ professionalism/performance. In practice, such correlation is not always directly proportional, but inversely proportional. There have been cases of issues related to sports actors’ welfare not being properly fulfilled, in fact, being far below the general manpower standards applicable to people doing work (workers/laborers. In general such cases include late or non-payment of wages, reducing bonuses, implementation of contract not accordance with the initial agreement, unilateral termination of contract without compensation for damages and others. The frequently arising question is whether sports actors, particularly athletes, have the status of ‘nonemployee’ professionals, or the status of ‘employees’. The various existing opinions related to such issue of status raise certain legal implications, particularly from the manpower aspect which emphasizes the welfare and legal protection of ‘workers’, which are also often experienced by athletes. It is expected that this article will be able to provide to the readers a broader view regarding the status of athletes’ ‘manpower’ status.

  9. Development of Nuclear R and D Man-power Genealogy DB and preparation of Guiding Principle in Assets Application for Nuclear R and D Fund

    Energy Technology Data Exchange (ETDEWEB)

    Lee, Dong Uk; Song, Seung Hyun; Kim, Hak Jun; Chung, Chul Eun

    2007-08-15

    Information search for nuclear professional man-power, technology genealogy search, project participation history etc. is serviced, and present limits to KAERI additionally, but constructed Site-Based DB that service is embodied as well as subject responsible person's pedigree. Information of professional man-power include origin school, last degree, distinction of sex, age etc. and technology genealogy consist of NuTRM classification, national science technology classification, and technology tree system classified in KAERI. Technology possession present condition for professional man-power of only KAERI is included within DB. Hereafter, professional manpower of the other nuclear energy company should be strengthened on the basis of DB structure that is developed. Technology tree system classified in KAERI also required to be strengthened on the man-power DB that has effectiveness for long-term as that embody by technology tree system which can represent nuclear energy through the verification of the other nuclear energy company. By applying readying guiding principle in assets application for nuclear R and D fund, secure lucency of assets application.

  10. Development of Nuclear R and D Man-power Genealogy DB and preparation of Guiding Principle in Assets Application for Nuclear R and D Fund

    International Nuclear Information System (INIS)

    Lee, Dong Uk; Song, Seung Hyun; Kim, Hak Jun; Chung, Chul Eun

    2007-08-01

    Information search for nuclear professional man-power, technology genealogy search, project participation history etc. is serviced, and present limits to KAERI additionally, but constructed Site-Based DB that service is embodied as well as subject responsible person's pedigree. Information of professional man-power include origin school, last degree, distinction of sex, age etc. and technology genealogy consist of NuTRM classification, national science technology classification, and technology tree system classified in KAERI. Technology possession present condition for professional man-power of only KAERI is included within DB. Hereafter, professional manpower of the other nuclear energy company should be strengthened on the basis of DB structure that is developed. Technology tree system classified in KAERI also required to be strengthened on the man-power DB that has effectiveness for long-term as that embody by technology tree system which can represent nuclear energy through the verification of the other nuclear energy company. By applying readying guiding principle in assets application for nuclear R and D fund, secure lucency of assets application

  11. Market basket analysis in insurance industry

    Directory of Open Access Journals (Sweden)

    Marzieh Vahidi Roodpishi

    2015-04-01

    Full Text Available Nowadays, many organizations focus on discovering their customers’ hidden patterns to maintain their competitive position through customer analysis. In fact, more and more organizations are realizing that customers are their most valuable resources. This paper performs a research using data associated with 300 clients of an insurance company in city of Anzali, Iran and they are analyzed using K-Means clustering method. Using demographic variables including gender, age, occupation, education level, marital status, place of residence and clients’ incomes, the study determines the optimal numbers of clusters in order to achieve necessary data for grouping customers. Next, the study uses the method of association rules to find hidden patterns for the insurance industry.

  12. Manpower allocation in a cellular manufacturing system considering the impact of learning, training and combination of learning and training in operator skills

    Directory of Open Access Journals (Sweden)

    Masoud

    2017-01-01

    Full Text Available In this article, a manpower allocation and cell loading problem is studied, where demand is sto-chastic. The inter-cell and intra-cell movements are considered and attention is focused on as-signing operators with different skill levels to operations, because cell performance in addition to load cell is dependent on manpower. The purpose of this article is manpower allocation in cellu-lar manufacturing with consideration to learning and training policies. The manpower skill levels are determined in order to enhance production rate. The main contribution of this approach is the scenarios of training and learning in addition to the combination of training and learning being simulated. By using these three scenarios, the skill level of workers increase which reduces the processing time. In this regard cell layout is static where processing times and customer demand follow a normal distribution. As one of the significant costs of industrial unit is related to pro-duction cost, this study has attempted to reduce these costs by increasing the skill level of opera-tor which causes to reduce the processing time. Scenarios are evaluated by using a simulation method that finally attained results indicate this simulation provides better manpower assign-ments.

  13. Analysis of your professional liability insurance policy.

    Science.gov (United States)

    SADUSK, J F; HASSARD, H; WATERSON, R

    1958-01-01

    The most important lessons for the physician to learn in regard to his professional liability insurance coverage are the following:1. The physician should carefully read his professional liability policy and should secure the educated aid of his attorney and his insurance broker, if they are conversant with this field.2. He should particularly read the definition of coverage and carefully survey the exclusion clauses which may deny him coverage under certain circumstances.3. If the physician is in partnership or in a group, he should be certain that he has contingent partnership coverage.4. The physician should accept coverage only from an insurance carrier of sufficient size and stability that he can be sure his coverage will be guaranteed for "latent liability" claims as the years go along-certainly for his lifetime.5. The insurance carrier offering the professional liability policy should be prepared to offer coverages up to at least $100,000/$300,000.6. The physician should be assured that the insurance carrier has claims-handling personnel and legal counsel who are experienced and expert in the professional liability field and who are locally available for service.7. The physician is best protected by a local or state group program, next best by a national group program, and last, by individual coverage.8. The physician should look with suspicion on a cancellation clause in which his policy may be summarily cancelled on brief notice.9. The physician should not buy professional liability insurance on the basis of price alone; adequacy of coverage and service and a good insurance company for his protection should be the deciding factors.

  14. Insurance crisis

    International Nuclear Information System (INIS)

    Williams, P.L.

    1996-01-01

    The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators

  15. Solar technology and the insurance industry: Issues and applications

    Energy Technology Data Exchange (ETDEWEB)

    Deering, A.; Thornton, J. P.

    1999-07-01

    Today's insurance industry strongly emphasizes developing cost-effective hazard mitigation programs, increasing and retaining commercial and residential customers through better service, educating customers on their exposure and vulnerabilities to natural disasters, collaborating with government agencies and emergency management organizations, and exploring the use of new technologies to reduce the financial impact of disasters. Solar technology can be used in underwriting, claims, catastrophe response, loss control, and risk management. This report will address the above issues, with an emphasis on pre-disaster planning and mitigation alternatives. It will also discuss how energy efficiency and renewable technologies can contribute to reducing insurance losses and offer suggestions on how to collaborate with the utility industry and how to develop educational programs for business and consumers.

  16. Development and evaluation of a patient centered cardiovascular health education program for insured patients in rural Nigeria (QUICK - II

    Directory of Open Access Journals (Sweden)

    Osibogun Akin

    2011-03-01

    Full Text Available Abstract Background In Sub Saharan Africa, the incidence of hypertension and other modifiable cardiovascular risk factors is growing rapidly. Poor adherence to prescribed prevention and treatment regimens by patients can compromise treatment outcomes. Patient-centered cardiovascular health education is likely to improve shortcomings in adherence. This paper describes a study that aims to develop a cardiovascular health education program for patients participating in a subsidized insurance plan in Nigeria and to evaluate the applicability and effectiveness in patients at increased risk for cardiovascular disease. Methods/Design Design: The study has two parts. Part 1 will develop a cardiovascular health education program, using qualitative interviews with stakeholders. Part 2 will evaluate the effectiveness of the program in patients, using a prospective (pre-post observational design. Setting: A rural primary health center in Kwara State, Nigeria. Population: For part 1: 40 patients, 10 healthcare professionals, and 5 insurance managers. For part 2: 150 patients with uncontrolled hypertension or other cardiovascular risk factors after one year of treatment. Intervention: Part 2: patient-centered cardiovascular health education program. Measurements: Part 1: Semi-structured interviews to identify stakeholder perspectives. Part 2: Pre- and post-intervention assessments including patients' demographic and socioeconomic data, blood pressure, body mass index and self-reporting measures on medication adherence and perception of care. Feasibility of the intervention will be measured using process data. Outcomes: For program development (part 1: overview of healthcare professionals' perceptions on barriers and facilitators to care, protocol for patient education, and protocol implementation plan. For program evaluation (part 2: changes in patients' scores on adherence to medication and life style changes, blood pressure, and other physiological and self

  17. The private-practice perspective of the manpower crisis in radiology: greener pastures?

    Science.gov (United States)

    Swayne, Lawrence C

    2004-11-01

    Rising consumer expectations and a rapidly aging population point to a long-term shortage of all physicians, including radiologists. While attention has been drawn to the escalating manpower crisis in academic radiology departments, the private-practice perspective has been generally overlooked. Although clinical workloads and income are higher in private practice, studies have shown higher satisfaction levels (likely because of a greater variety of work) among academic radiologists. As the distinction between community and teaching hospitals has become increasingly blurred, there is now considerable overlap in the skill sets, sources of job satisfaction, and stresses that are encountered in both practice settings. Perhaps more than at any time in the recent past, diagnostic radiologists in academic and private practice share more in common than any perceived differences. Both groups must work together in concert with the ACR to address the growing manpower shortage, as well as the other challenges that confront diagnostic radiology at the beginning of the 21st century.

  18. Mitigation Index Insurance for Developing Countries: Insure the Loss or Insure the Signal?

    OpenAIRE

    Li, Yiting; Miranda, Mario J.

    2015-01-01

    Conventional agricultural index insurance indemnifies based on the observed value of a specified variable, such as rainfall, that is correlated with agricultural production losses. Typically, indemnities are paid to the policyholder after the losses have been experienced. This paper explores alternate timing for index insurance payouts. In particular, we explore the potential benefits of what we call “mitigation index insurance” in which the payouts of the insurance contract arrive before los...

  19. Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

    OpenAIRE

    Nicole Maestas; Kathleen J. Mullen; Alexander Strand

    2014-01-01

    As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)–potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset–will decline for many people with employer-sponsored health insurance. At the same time, the value of SSDI and Supplemental Security Income (SSI) participation will decline for individuals...

  20. Duplicate Health Insurance Coverage: Determinants of Variation Across States

    OpenAIRE

    Luft, Harold S.; Maerki, Susan C.

    1982-01-01

    Although it is recognized that many people have duplicate private health insurance coverage, either through separate purchase or as health benefits in multi-earner families, there has been little analysis of the factors determining duplicate coverage rates. A new data source, the Survey of Income and Education, offers a comparison with the only previous source of state level data, the estimates from the Health Insurance Association of America. The R2 between the two sets is only .3 and certai...

  1. Probabilistic Insurance

    NARCIS (Netherlands)

    Wakker, P.P.; Thaler, R.H.; Tversky, A.

    1997-01-01

    Probabilistic 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 premium to compensate for a 1% default risk. These observations cannot be

  2. 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

  3. THE ALIGNMENT OF ROMANIA UNIVERSITY TEACHING TO THE REQUIREMENTS OF THE QUALITY INSURING STANDARDS

    Directory of Open Access Journals (Sweden)

    Elena CONDREA

    2007-01-01

    Full Text Available Due to any institution in the national teaching system, indifferent of type, level and activity organization form, is to insure the quality teaching, learning and researching, from the necessity of making the bases of an institutional cultures of the education's quality, for contributing to the personal and professional development of the students, at the society's welfare. The quality insurance policies and strategies of the national teaching system of Romania have as marking the permanent correlation with the orientations and actions promoted at European and global level, in consense with the recommendations of the Superior Education Quality Insurance European Association, recommendations which have been taken by the Bergen Ministerial Conference (19-20 May 2005.

  4. Love, Legislation, and OSHA [Occupational Safety and Health Act]: Highlights from the Manpower Division

    Science.gov (United States)

    Vadnais, Arthur

    1974-01-01

    The conference of the Manpower Division of the American Vocational Association is summarized. Skill centers, relevant Federal legislation, student-instructor relationship, curriculum development, and organization business items were among the topics discussed. (AG)

  5. 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...

  6. Manpower Development to Support Indian Graduate Training School Program of BARC and its Incorporation in University System

    International Nuclear Information System (INIS)

    Dutta, B.K.

    2014-01-01

    Conclusions: • Nuclear technology is multidisciplinary, knowledge intensive, and its education and training are constrained by unusual measures demanded by the concerns about radiation and nuclear safety, physical protection of nuclear materials and facilities, and safeguards to prevent diversion of nuclear material. • This requires vast faculty resources as also extraordinary and expensive infrastructure for conducting nuclear education making the task of human resource development in nuclear science and technology a challenging one. • The human resource for the nuclear energy programme in India so far has therefore been developed in-house in the DAE. • However, large requirement of manpower to take forward the growing nuclear energy programme in the country can be met only by extending concurrently the reach of the human resource development activity in nuclear science and technology. • The DAE is therefore supporting the university system in India, and integrating the existing training program with the university system. • It may be emphasized that nuclear education, being a means of preservation and transmission of explicit knowledge, is just one component of nuclear knowledge management (NKM). • The NKM also involves creation of mechanisms to preserve and transmit implicit and tacit knowledge

  7. 75 FR 15603 - Common Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions

    Science.gov (United States)

    2010-03-30

    ... to: (1) Theft; or (2) Inability to market the avocados for any reason other than actual physical... Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions AGENCY: Federal Crop Insurance... Common Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions to convert the Florida...

  8. Academic mentoring and the future of tertiary education in Nigeria ...

    African Journals Online (AJOL)

    Tertiary education is a major outlet for the provision of high manpower for national development. This paper therefore highlighted the challenges of tertiary education in Nigeria, early perspectives of mentoring undergraduates, the rationale for academic mentoring, the role of a mentor, and the role of library as catalyst in the ...

  9. 76 FR 71276 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

    Science.gov (United States)

    2011-11-17

    ...-0008] RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions AGENCY... Corporation (FCIC) proposes to amend the Common Crop Insurance Regulations, Pecan Revenue Crop Insurance... Regulations (7 CFR part 457) by revising Sec. 457.167 Pecan Revenue Crop Insurance Provisions, to be effective...

  10. The Insuring of Schools: Everybody's Business. A C.A.R.E. Special Report.

    Science.gov (United States)

    Allen, Clifford H.

    Insurance is necessary to protect school district assets and assure the ongoing educational program. It may be purchased economically and serve its designed purpose only if trustees and administrators understand its function and seek professional help in its application. This report discusses in lay terms the nature of insurance as one means,…

  11. An optimal control approach to manpower planning problem

    Directory of Open Access Journals (Sweden)

    H. W. J. Lee

    2001-01-01

    Full Text Available A manpower planning problem is studied in this paper. The model includes scheduling different types of workers over different tasks, employing and terminating different types of workers, and assigning different types of workers to various trainning programmes. The aim is to find an optimal way to do all these while keeping the time-varying demand for minimum number of workers working on each different tasks satisfied. The problem is posed as an optimal discrete-valued control problem in discrete time. A novel numerical scheme is proposed to solve the problem, and an illustrative example is provided.

  12. Why don't people buy long-term-care insurance?

    Science.gov (United States)

    Cramer, Anne Theisen; Jensen, Gail A

    2006-07-01

    The objective of this article was to assess the determinants of an individual's decision to purchase long-term-care (LTC) insurance. This article focuses on the decision to purchase a new policy as opposed to renewing an existing policy. This study gave special consideration to the role of policy price, the savings associated with buying a policy now as opposed to later, the purchaser's education, and the purchaser's income. Using data from the 2002 Health and Retirement Survey, we estimated logistic regressions to model consumer decisions to purchase LTC insurance. We explored several alternative measures of the price of a policy. Price was a significant determinant in decisions to purchase coverage. The demand for coverage, however, was price inelastic, with elasticities ranging from -0.23 to -0.87, depending on the specification of the model. The education level and income of the purchaser were also important. This analysis provides the first estimates of price elasticity of demand for LTC insurance. The finding that demand is very price inelastic suggests that state initiatives that effectively subsidize premiums as a way of stimulating purchases are likely to meet with very limited success in the present environment.

  13. Maritime insurance as a way to struggle piracy

    Directory of Open Access Journals (Sweden)

    Ekaterina S. Anyanova

    2016-09-01

    Full Text Available Objective to research the features of maritime insurance from the viewpoint of fighting piracy at international level and to define the ways to improve the legal norms in this sphere. Methods dialectic method of cognition and private scientific research methods formallegal systemicstructural sociallegal comparativelegal statistical. Results basing on the analysis of normative legal acts regulating the relations in the sphere of maritime insurance as one of the ways to struggle against piracy the insufficiency of unified insurance norms at internationallegal level is revealed features of modern piracy are identified as well as the dependence of the insurance cost on the piratesrsquo activity the state of legal protection of the shipownerrsquos interests in case of piratesrsquo attacks at international routes a conclusion is made that the difficulties with the ldquopiracyrdquo notion do not hinder its fullfledged research in international law the drawbacks of the piracy concept in international law are reflected the insurance legal norms are studied as well as the drawbacks in insufficient unification and stronger protection of shipowners in case of ransom payments especially in RF. Scientific novelty for the first time in the article the internationallegal features of maritime piracy are viewed as one of the measures of struggle against piracy. Practical significance the main provisions and conclusions of the article can be used in practical scientific and educational activity when dealing with the issues of maritime insurance of piracy risks.

  14. NATURAL DISASTERS EFFECTS’ FINANCING THROUGH INSURANCE IN ROMANIA (2010-2015

    Directory of Open Access Journals (Sweden)

    DAN-CONSTANTIN DĂNULEȚIU

    2016-10-01

    Full Text Available The article analyse the necessity and evolution of the natural disasters effects’ financing through insurance in Romania. There are emphasized the legislation changes that affected the compulsory and voluntary insurance mechanisms and the results of the implementation of the compulsory insurance for natural disasters system at the national level, but also at the regional level. On this analysis, the article concludes about the causes of the evolutions highlighted, suggesting that the frequent changes of legislation, the low level of financial education of a large part of population, the un-applying of fines by local authorities for the people not respecting the law are one of the most important causes.

  15. A flexible benefits tax credit for health insurance and more.

    Science.gov (United States)

    Etheredge, Lynn

    2001-01-01

    This essay outlines a concept for a "flexible benefits" tax credit for expanding health insurance coverage and other purposes such as retirement savings plans (with potential withdrawals for higher education, first-home ownership, and catastrophic medical expenses). Two examples are presented. The advantages of a flexible benefits tax credit are considered in terms of efficient use of the budget surplus to help meet the varied (and changing) needs of American families, to eliminate major national gaps in health insurance and pension coverage, and to advance other objectives. If the budget surplus is used wisely, political decisionmakers could achieve health insurance coverage for most uninsured workers and children and assure a future with real economic security for American families.

  16. Trust – the Intangible Asset of Policyholder Behavior on Insurance Market

    Directory of Open Access Journals (Sweden)

    Mureşan Gabriela-Mihaela

    2016-12-01

    Full Text Available Our analysis aims to identify the typology of consumers’ behavior on insurance market. The initial sample consisted of 1579 individuals who were randomly selected by Metro Media Transilvania (MMT with the Computer-Assisted Telephonic Interview (CATI method. Using the Multiple Correspondence Analysis (MCA and logistic regression, we are showing that higher levels of trust, pleasant experiences, income and education have a positive impact on insurance development.

  17. [Participant structure and economic benefit of prevention bonus programmes in company health insurance funds].

    Science.gov (United States)

    Friedrichs, M; Friedel, H; Bödeker, W

    2009-10-01

    This study investigates differences in sex, age, and educational level between participants and non-participants of prevention bonus programmes. The differences in the utilisation of drugs, hospital care, and sickness absence before the start of the programmes between these groups are also shown. Finally the economic benefit of the health insurance funds attributed to these programmes is estimated. Data from some 5.2 million insured subjects of 74 company health insurance funds in Germany were linked to information on enrollment into a prevention bonus programme anonymously. In a descriptive analysis the differences in the sociodemographic patterns between both groups are shown as well as the differences in costs to the health insurances in the three sectors mentioned above. The benefit to the health insurance funds is estimated by means of an analysis of covariance. Prevention bonus programmes yields an annual benefit of at least 129 euro per participant. Men aged 40 and older and women aged 30 and older are more likely to opt into such a programme. The same is true for persons with a higher educational level. There are only few differences in health-care utilisation between the participants and non-participants of the programmes before enrollment. Only 1.4% of all insured persons participated in the programmes. There is at least a short-term gain to both involved parties: the insured and the health insurance funds. The programmes are not dominated by deadweight effects. Long-term effects and effectiveness of prevention bonus programmes still have to be investigated. Copyright Georg Thieme Verlag KG Stuttgart . New York.

  18. Do self-insurance and disability insurance prevent consumption loss on disability?

    OpenAIRE

    Steffan G. Ball; Hamish W. Low

    2009-01-01

    In this paper we show the extent to which public insurance and self-insurance mitigate the cost of health shocks that limit the ability to work. We use consumption data from the UK to estimate the insurance provided by the government disability programme and account for the effectiveness of alternative self-insurance mechanisms. Individuals with a work-limiting health condition, but in receipt of disability insurance, have 7 percent lower consumption than those without such a condition. Self-...

  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. Life Insurance Contribution, Insurance Development and Economic Growth in China

    Directory of Open Access Journals (Sweden)

    Wang Ying

    2017-07-01

    Full Text Available Under L-type economy, remodelling the growth power in the medium and long term is essential. The insurance industry during the 13th Five-year Plan period has been given a heavy expectation on promoting economic quality and upgrading economic efficiency, so it will try to accelerate its innovation and development process which serves national needs, market demand and people's requirements. Referring to the previous researches of Solow and Zhang and measuring Capital Stock and Total Factor Productivity independently, the paper analyses the inherent correlation between insurance (including life insurance and non-life insurance and economic growth, reveals the contribution law of the insurance development in economic growth in the short and long term from both economic scale and quality respectively. It also shows enlightenments on policy decision for insurance industry, thus helps economic stability under the downturn periods.

  1. INSURANCE INTERMEDIARIES

    Directory of Open Access Journals (Sweden)

    Andreea Stoican

    2013-11-01

    Full Text Available The actual Civil code regulates for the first time in the Romanian legislation the intermediation contract, until its entering into force existing multiple situations that lent themselves to this legal operation, but did not benefit of such particular legal rules. Yet, the case law has shown that the situations that arise in the activity of the legal or natural persons are much more complex, this leading, in time, to the reglementation of such particular rules. Such a case is that found in the matter of insurance contracts, the position of the insurance intermediaries being regulated especially by Law no. 32/2000, according to which they represent the natural or legal persons authorized in the conditions of the above mentioned legal document, that perform intermediation activities in the insurance field, in exchange of a remuneration, as well as the intermediaries from the EU member states that perform such an activity on the Romanian territory, in accordance with the freedom in performing services. Therefore, the present paper aims to analyze the conclusion of such insurance contracts and to underline the particular position of the insurance brokers, having the following structure: 1 Introduction; 2 The reglementation of the intermediation contract/brokerage agreement in the Romanian Law; 3 The importance of the intermediaries in the insurance contracts; 4 The conclusion of the insurance contracts; 5 Conclusions.

  2. MARKETING OF INSURANCE PRODUCTS BY THE NATIONAL INSURANCE COMPANY LIMITED, RAJAPALAYAM

    OpenAIRE

    Dr. H. Christy Cynthia; Dr. T. Jebasheela; V. Maheswari

    2017-01-01

    Insurance is a way of reducing uncertainty of occurrence of an event. Insurance is an investment. Its basic purpose is to derive plans to counteract the financial consequences of unfavorable events. Insurance is a social device for eliminating or reducing the cost to society to certain types of risks. Insurance is essentially a co-operative endeavor. It is the function of the insurance to protect the few against the heavy financial impact of anticipated misfortunes by spreading losses among m...

  3. Fisheries education in Sri Lanka: current status, constraints and future outlook

    Directory of Open Access Journals (Sweden)

    Tharindu Nimantha Herath

    2017-12-01

    Full Text Available Sustainable utilization of the fishery resources along with manpower is one of the most important aspects of fisheries science. Although a huge manpower is available in the fisheries sector, lapses in knowledge also prevalent in various subsections of fishery related occupations. In this scenario, this paper attempts to evaluate the various levels of fisheries education in Sri Lanka. It has been observed that clear demarcation of the level of fisheries education such as undergraduate, postgraduate, and basic level exists in Sri Lanka. Although a low level of student enrolment, university education of fisheries and aquaculture is at satisfactory level. Expansion of fisheries education for basic levels such as education of fisherwomen needs to be improved. Scientific dissemination of knowledge by published works such as journals should further be expanded and indexing of those journals in reputable and reliable databases is needed. Several constraints in Sri Lankan fisheries education such as inadequate funding, low level of student enrolment, quality of the students and less cooperation with industries etc. were also identified. Therefore, finding possible solutions to these issues is necessary to ensure the quality of the education in Sri Lanka.

  4. [Occupational health services as the insurance product and insurance economic instruments].

    Science.gov (United States)

    Rydlewska-Liszkowska, Izabela

    2014-01-01

    One of the most controversial issues in restructuring the Polish health insurance system is the implementation of private voluntary insurance and creation within it a new insurance product known as occupational health services (OHS). In this article some opportunities and dilemmas likely to be faced by providers and employers/employees, when contracting with insurance institutions, are considered as a contribution to the discussion on private insurance in Poland. The basic question is how private insurance institutions could influence the promotion of different preventive activities at the company level by motivating both OHS providers and employers. The descriptive qualitative method has been applied in the analysis of legal acts, scientific publications selected according to keywords (Pubmed), documents and expert evaluations and research project results. Taking into account the experiences of European countries, described in publications, international experts' opinions and results of research projects the solution proposed in Poland could be possible under the following several prerequisites: inclusion of a full scope of occupational health services into the insurance product, constant supervision of occupational medicine professionals, monitoring of the health care quality and the relations between private insurers and OHS provider and implementation of the economic incentives scheme to ensure an adequate position of OHS providers on the market. The proposed reconstruction of the health insurance system, comprising undoubtedly positive elements, may entail some threats in the area of health, organization and economy. Private voluntary health insurance implementation requires precisely defined solutions concerning the scope of insurance product, motivation scheme and information system.

  5. BUSINESS PROCESS MANAGEMENT IN INSURANCE CASE OF JADRANSKO INSURANCE COMPANY

    OpenAIRE

    Sanja Coric; Danijel Bara

    2014-01-01

    Selling insurance products in conditions of today’s modern technological solutions is faced with numerous challenges. Business processes in insurance as well as the results of these business processes are the real interface to policyholders. Modeling and analysis of business process in insurance ensure organizations to focus on the customer and increase the efficiency and quality of work. Managing critical business processes in every single organization, likewise in insurance is a key factor ...

  6. Fusion plasma research and education in Japan

    International Nuclear Information System (INIS)

    Inoue, N.

    1995-01-01

    Japanese fusion plasma research and education is reviewed by focusing on the activities promoted by the Ministry of Education, Science, Culture, and Sports (MOE). University fusion research is pursued by the academic interest and student education. A hierarchical structure of budget and manpower arrangement is observed. The small research groups of universities play the role of recruiting young students into the fusion and plasma society. After graduating the master course, most students are engaged by industries

  7. Health Insurance and Health Status: Exploring the Causal Effect from a Policy Intervention.

    Science.gov (United States)

    Pan, Jay; Lei, Xiaoyan; Liu, Gordon G

    2016-11-01

    Whether health insurance matters for health has long been a central issue for debate when assessing the full value of health insurance coverage in both developed and developing countries. In 2007, the government-led Urban Resident Basic Medical Insurance (URBMI) program was piloted in China, followed by a nationwide implementation in 2009. Different premium subsidies by government across cities and groups provide a unique opportunity to employ the instrumental variables estimation approach to identify the causal effects of health insurance on health. Using a national panel survey of the URBMI, we find that URBMI beneficiaries experience statistically better health than the uninsured. Furthermore, the insurance health benefit appears to be stronger for groups with disadvantaged education and income than for their counterparts. In addition, the insured receive more and better inpatient care, without paying more for services. Copyright © 2015 John Wiley & Sons, Ltd. Copyright © 2015 John Wiley & Sons, Ltd.

  8. Assessing effectiveness of a community based health insurance in rural Burkina Faso

    Directory of Open Access Journals (Sweden)

    Hounton Sennen

    2012-10-01

    Full Text Available Abstract Background Financial barriers are a recognized major bottleneck of access and use of health services. The aim of this study was to assess effectiveness of a community based health insurance (CBHI scheme on utilization of health services as well as on mortality and morbidity. Methods Data were collected from April to December 2007 from the Nouna’s Demographic Surveillance System on overall mortality, utilization of health services, household characteristics, distance to health facilities, membership in the Nouna CBHI. We analyzed differentials in overall mortality and selected maternal health process measures between members and non-members of the insurance scheme. Results After adjusting for covariates there was no significant difference in overall mortality between households who could not have been members (because their area was yet to be covered by the stepped-wedged scheme, non-members but whose households could have been members (areas covered but not enrolled, and members of the insurance scheme. The risk of overall mortality increased significantly with distance to health facility (35% more outside Nouna town and with education level (37% lower when at least primary school education achieved in households. Conclusion There was no statistically significant difference in overall mortality between members and non-members. The enrolment rates remain low, with selection bias. It is important that community based health insurances, exemptions fees policy and national health insurances be evaluated on prevention of deaths and severe morbidities instead of on drop-out rates, selection bias, adverse selection and catastrophic payments for health care only. Effective social protection will require national health insurance.

  9. Manpower Systems Integration Factors for Frigate Design in the Turkish Navy

    Science.gov (United States)

    2016-12-01

    manpower requirements play a pivotal role in this research. Information about 45 frigate classes from 29 countries is collected from the Information...play a pivotal role in this research. Information about 45 frigate classes from 29 countries is collected from the Information Handling Services...their unique place in many nations’ navies with varying numbers, based on their threat definitions and economic powers, manning these vessels varies

  10. Critical Appraisal of the System of Education and Prospects of ...

    African Journals Online (AJOL)

    The main purpose of this article is to review the South African system of education and assess the country's prospects of meeting current and future manpower and developmental needs. This inquiry is based primarily on an assessment of the current status quo in education in South Africa in order to gain a better ...

  11. Educational disparities in quality of diabetes care in a universal health insurance system: evidence from the 2005 Korea National Health and Nutrition Examination Survey.

    Science.gov (United States)

    Do, Young Kyung; Eggleston, Karen N

    2011-08-01

    To investigate educational disparities in the care process and health outcomes among patients with diabetes in the context of South Korea's universal health insurance system. Bivariate and multiple regression analyses of data from a cross-sectional health survey. A nationally representative and population-based survey, the 2005 Korea National Health and Nutrition Examination Survey. Respondents aged 40 or older who self-reported prior diagnosis with diabetes (n= 1418). Seven measures of the care process and health outcomes, namely (i) receiving medical treatment for diabetes, (ii) ever received diabetes education, (iii) received dilated eye examination in the past year, (iv) received microalbuminuria test in the past year, (v) having activity limitation due to diabetes, (vi) poor self-rated health and (vii) self-rated health on a visual analog scale. Except for receiving medical care for diabetes, overall process quality was low, with only 25% having ever received diabetes education, 39% having received a dilated eye examination in the past year and 51% having received a microalbuminuria test in the past year. Lower education level was associated with both poorer care processes and poorer health outcomes, whereas lower income level was only associated with poorer health outcomes. While South Korea's universal health insurance system may have succeeded in substantially reducing financial barriers related to diabetes care, the quality of diabetes care is low overall and varies by education level. System-level quality improvement efforts are required to address the weaknesses of the health system, thereby mitigating educational disparities in diabetes care quality.

  12. Insurance of nuclear risk

    International Nuclear Information System (INIS)

    Lacroix, M.

    1976-01-01

    Insurance for large nuclear installations covers mainly four types of risk: third party liability which in accordance with the nuclear conventions, is borne by a nuclear operator following an incident occurring in his installation or during transport of nuclear substances; material damage to the installation itself, which precisely is not covered by third party liability insurance; machinery breakdown, i.e. accidental damage or interruption of operation. Only the first category must be insured. In view of the magnitude of the risk, nuclear insurance resorts to co-insurance and reinsurance techniques which results in a special organisation of the nuclear insurance market, based on national nuclear insurance pools and on the Standing Committee on Atomic Risk of the European Insurance Committee. Conferences of the chairmen of nuclear insurance pools are convened regularly at a worldwide level. (NEA) [fr

  13. Parental health shocks and schooling: The impact of mutual health insurance in Rwanda.

    Science.gov (United States)

    Woode, Maame Esi

    2017-01-01

    The goal of this study was to look at the educational spill-over effects of health insurance on schooling with a focus on the Rwandan Community Based Health Insurance Programme, the Mutual Health Insurance scheme. Using a two-person general equilibrium overlapping generations model, this paper theoretically analyses the possible effect of health insurance on the relationship between parental health shocks and child schooling. Individuals choose whether or not they want to incur a medical cost by seeking care in order to reduce the effect of health shocks on their labour market availability and productivity. The theoretical results show that, health shocks negatively affect schooling irrespective of insurance status. However, if the health shock is severe (incapacitating) or sudden in nature, there is a discernible mitigating effect of health insurance on the negative impact of parental ill health on child schooling. The results are tested empirically using secondary data from the third Integrated Household Living Conditions Survey (EICV) for Rwanda, collected in 2011. A total of 2401 children between the ages of 13 and 18 are used for the analysis. This age group is selected due to the age of compulsory education in Rwanda. Based on average treatment effect on treated we find a statistically significant difference in attendance between children with MHI affiliated parents and those with uninsured parents of about 0.044. The negative effect of a father being severely ill is significant only for uninsured household. For the case of the mother, this effect is felt by female children with uninsured parents only when the illness is sudden. The observed effects are more pronounced for older children. While the father's ill health (sever or sudden) significantly and negatively affects their working hours, health insurance plays appears to increase their working hours. The effects of health insurance extend beyond health outcomes. Copyright © 2016 Elsevier Ltd. All rights

  14. A rational approach to estimating the surgical demand elasticity needed to guide manpower reallocation during contagious outbreaks.

    Science.gov (United States)

    Tsao, Hsiao-Mei; Sun, Ying-Chou; Liou, Der-Ming

    2015-01-01

    Emerging infectious diseases continue to pose serious threats to global public health. So far, however, few published study has addressed the need for manpower reallocation needed in hospitals when such a serious contagious outbreak occurs. To quantify the demand elasticity of the major surgery types in order to guide future manpower reallocation during contagious outbreaks. Based on a nationwide research database in Taiwan, we extracted the monthly volumes of major surgery types for the period 1998-2003, which covered the SARS period, in order to carry out a time series analysis. The demand elasticity of each surgery type was then estimated by autoregressive integrated moving average (ARIMA) analysis. During the study period, the surgical volumes of most selected surgery types either increased or remained steady. We categorized these surgery types into low-, moderate- and high-elastic groups according to their demand elasticity. Appendectomy, 'open reduction of fracture with internal fixation' and 'free skin graft' were in the low demand elasticity group. Transurethral prostatectomy and extracorporeal shockwave lithotripsy (ESWL) were in the high demand elasticity group. The manpower of the departments carrying out the surgeries with low demand elasticity should be maintained during outbreaks. In contrast, departments in charge of surgeries mainly with high demand elasticity, like urology departments, may be in a position to have part of their staff reallocated. Taking advantage of the demand variation during the SARS period in 2003, we adopted the concept of demand elasticity and used a time series approach to figure out an effective index of demand elasticity for various types of surgery that could be used as a rational reference to carry out manpower reallocation during contagious outbreak situations.

  15. Medical education and training in Nepal: SWOT analysis.

    Science.gov (United States)

    Dixit, H; Marahatta, S B

    2008-01-01

    To analyse the impact of the medical colleges that have been set up within the last two decades by production of the doctors and the effect on the health of the people. SWOT (strength, weakness, opportunities and threats) analysis of medical education in Nepal has been done by reviewing medical manpower produced by the different institutions in the undergraduate and postgraduate (PG) categories, their registration with the Nepal Medical Council in terms of the existing health scenario of the country. Shows severe shortage of basic sciences teachers. In the clinical areas ophthalmic manpower and services provided are exemplary. There are shortages and shortcomings in all areas if standard health care is to be provided to the Nepalese. There is a long way to go to provide the expected educational and medical services to foreigners prepared to pay more to avail of this in Nepal.

  16. R&D manpower and technological performance : The impact of demographic and task-related diversity

    NARCIS (Netherlands)

    Faems, D.L.M.; Subramaniam, A.

    2013-01-01

    We assess the impact of R&D manpower diversity on firms' technological performance. Relying on insights from two theoretical perspectives on team diversity (i.e. social categorization perspective and information decision-making perspective), we hypothesize that both demographic and task-related

  17. Allocation Methods for Use in the Accrual of Manpower Costs.

    Science.gov (United States)

    1983-06-01

    planners more frugal in their use of military manpower (OB1, 1973). Generally Accepted Accounting Principles ( GAAP ) recognize accrual basis accounting...time. Examples of this type of allocation are depreciation or amortization of long term assets (Fremgen and Liao, 1981). It is this second concept of...financing is that the relatively "soft dollars" of the future will make it easier to contribute. A "soft dollar" is the depreciated value of the dollar

  18. THE MODEL OF INTERACTION BETWEEN INSURANCE INTERMEDIARIES AND INSURANCE COMPANIES IN THE ASSURANCE OF SUSTAINABLE DEVELOPMENT OF THE INSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    Nataliia Kudriavska

    2017-11-01

    Full Text Available The purpose of this paper is the investigation of the model of interaction between insurance intermediaries and insurance companies in the assurance of sustainable development of the insurance market. The methodology is based on the new studies and books. It is underlined the importance of potency and effectiveness of this model, its influence on the insurance market stability. It is analysed the European experience and specific of Ukrainian insurance market. The main ways for improving its model and ways of its practical realization are characterized. Results. The problems that exist in the broker market in general are connected with an ineffective state policy. In particular, we can say about the absence of many laws, acts, resolutions, which explain what a broker have to do in case of different problems with insurance companies, another brokers and clients. At the same time, the problem of distrust to national brokers exists. It provokes a decline of the demand for their services and so on. However, it is possible to solve these problems. Practical implications. For this, it is necessary to do some acts. The first one is to implement resolutions that regulate relationships between insurance brokers and insurance companies, clearly regulate the model of its interaction. This model affects the stability of the insurance market in general. The second is to find methods of solving problems of the increase in insurance culture of the population (for example, by the way of advertisement. The third one is to solve problems connected with the appearance of foreign brokers in the insurance market of Ukraine. Actually, the Ukrainian market of insurance brokers is not developed enough. That is why it needs big changes and reforms. Value/originality. Among alternatives of the strategic development of insurance, the method of quick liberalization and gradual development is distinguished. According to the liberal way, it is possible to transfer to the

  19. 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 service...

  20. 77 FR 25349 - Mutual Insurance Holding Company Treated as Insurance Company

    Science.gov (United States)

    2012-04-30

    ..., the first mutual fire insurer was established. The first American mutual insurance company, the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire, was founded in 1752.\\3\\ \\3\\ The...

  1. China's Insurance Regulatory Reform, Corporate Governance Behavior and Insurers' Governance Effectiveness.

    Science.gov (United States)

    Li, Huicong; Zhang, Hongliang; Tsai, Sang-Bing; Qiu, Aichao

    2017-10-17

    External regulation is an important mechanism to improve corporate behavior in emerging markets. China's insurance governance regulation, which began to supervise and guide insurance corporate governance behavior in 2006, has experienced a complex process of reform. This study tested our hypotheses with a sample of 85 firms during 2010-2011, which was obtained by providing a questionnaire to all of China's shareholding insurance companies. The empirical study results generally show that China's insurance governance effectiveness has significantly improved through strict regulation. Insurance corporate governance can improve business acumen and risk-control ability, but no significant evidence was found to prove its influence on profitability, as a result of focusing less attention on governance than on management. State ownership is associated with higher corporate governance effectiveness than non-state ownership. Listed companies tend to outperform non-listed firms, and life insurance corporate governance is more effective than that of property insurers. This study not only contributes to the comprehensive understanding of corporate governance effectiveness but also to the literature by highlighting the effect of corporate governance regulation in China's insurance industry and other emerging economies of the financial sector.

  2. Insurance Salespeople's Attitudes towards Collusion: The Case of Taiwan’s Car Insurance Industry

    OpenAIRE

    Lu-Ming Tseng; Wen-Pin Su

    2014-01-01

    Insurance researchers believe that the increase in insurance fraud may be associated with the unethical decisions made by some insurance salespeople. However, to date, research that has empirically investigated the link between insurance salespeople and collusion is scant. Using the car insurance industry in Taiwan as an example, this paper explores the impact of the opportunity to obtain the fraudulent claim and that of the size of actual loss on car insurance salespeople's attitudes towards...

  3. Demand analysis of flood insurance by using logistic regression model and genetic algorithm

    Science.gov (United States)

    Sidi, P.; Mamat, M. B.; Sukono; Supian, S.; Putra, A. S.

    2018-03-01

    Citarum River floods in the area of South Bandung Indonesia, often resulting damage to some buildings belonging to the people living in the vicinity. One effort to alleviate the risk of building damage is to have flood insurance. The main obstacle is not all people in the Citarum basin decide to buy flood insurance. In this paper, we intend to analyse the decision to buy flood insurance. It is assumed that there are eight variables that influence the decision of purchasing flood assurance, include: income level, education level, house distance with river, building election with road, flood frequency experience, flood prediction, perception on insurance company, and perception towards government effort in handling flood. The analysis was done by using logistic regression model, and to estimate model parameters, it is done with genetic algorithm. The results of the analysis shows that eight variables analysed significantly influence the demand of flood insurance. These results are expected to be considered for insurance companies, to influence the decision of the community to be willing to buy flood insurance.

  4. Manpower simulation for the power plant design engineering

    International Nuclear Information System (INIS)

    Moon, B.S.; Juhn, P.E.

    1982-01-01

    Some observation from the examination of actual manhour curves for the power design engineering obtained from Sargent and Lundy Engineers and of a few of the model curves proposed by Bechtel, are analyzed in this paper. A model curve representing typical design engineering manhour has been determined as probability density function for the Gamma Distribution. By means of this model curve, we strategically forecast the future engineering manpower requirements to meet the Covernment's long range nuclear power plan. As a sensitivity analysis, the directions for the localization of nuclear power plant design engineering, are studied in terms of the performance factor for the experienced versus inexperienced engineers. (Author)

  5. [How does type of health insurance affect receipt of Pap testing in Peru?].

    Science.gov (United States)

    Barrionuevo-Rosas, Leslie; Palència, Laia; Borrell, Carme

    2013-12-01

    Describe the association between receipt of cervical cytology and type of health insurance in Peruvian women, and determine the role of sociodemographic and sexual health variables in this relationship. A cross-sectional study using information on a sample of 12 272 women aged 30 to 49 years from the Demographic and Family Health Survey (ENDES), Peru, 2005-2008. The dependent variable was receipt of at least one Pap smear in the last five years. The primary independent variables were type of health insurance, educational level, household socioeconomic level, ethnicity, and place of residence. Prevalence ratio, obtained from Poisson regression with robust variance, was used to measure multivariate association. Among sexually active women, 62.7% had received at least one Pap test in the last five years. Percentage of women tested varied by type of health insurance. Women with public or private insurance had a greater probability of having received a Pap smear--1.27 (95% CI, 1.24-1.31) and 1.52 (95% CI, 1.46-1.58) times greater, respectively--than uninsured women. This association was primarily explained by socioeconomic status variables. In addition, women who participated the least in screening were characterized by illiteracy or only a primary education, low socioeconomic level, speaking an indigenous language, and living in a rural area. When they also lacked health insurance, the gap widened, rising to as much as one third compared to more advantaged social groups. Inequalities were found in receipt of Pap testing according to type of health insurance; women without insurance were least likely to be screened, implying existence of a barrier to cervical cancer screening in Peru.

  6. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... as a potential global deposit insurer, preserve confidence in the FDIC deposit insurance system, and... the United States.\\2\\ The FDIC generally pays out deposit insurance on the next business day after a... since 2001 and total approximately $1 trillion today. In many cases, these branches do not engage in...

  7. Pricing behaviour of nonprofit insurers in a weakly competitive social health insurance market.

    Science.gov (United States)

    Douven, Rudy C H M; Schut, Frederik T

    2011-03-01

    In this paper we examine the pricing behaviour of nonprofit health insurers in the Dutch social health insurance market. Since for-profit insurers were not allowed in this market, potential spillover effects from the presence of for-profit insurers on the behaviour of nonprofit insurers were absent. Using a panel data set for all health insurers operating in the Dutch social health insurance market over the period 1996-2004, we estimate a premium model to determine which factors explain the price setting behaviour of nonprofit health insurers. We find that financial stability rather than profit maximisation offers the best explanation for health plan pricing behaviour. In the presence of weak price competition, health insurers did not set premiums to maximize profits. Nevertheless, our findings suggest that regulations on financial reserves are needed to restrict premiums. Copyright © 2011 Elsevier B.V. All rights reserved.

  8. Probabilistic insurance

    OpenAIRE

    Wakker, P.P.; Thaler, R.H.; Tversky, A.

    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 preferences are intuitively appealing they are difficult to reconcile with expected utility theory. Under highly plausible assumptions about the utility function, willingness to pay for probabilistic i...

  9. Geographic and Occupational Mobility of Rural Manpower. Documentation in Agriculture and Food, 75.

    Science.gov (United States)

    Bishop, C. E.

    Comparative statistics and the interaction of a group of experts provide the base for this study of occupational and geographic mobility of agricultural manpower. The countries studied were Austria, Denmark, France, Germany, Greece, Italy, Netherlands, Norway, Sweden, the United Kingdom, and the United States. Emphasis was placed upon the transfer…

  10. Educator Market Research: In-depth Interviews

    Science.gov (United States)

    2001-11-01

    Military Advertising ,” Report to Congress, 2000. 20 Defense Manpower Data Center Educator Market ...2000. d. Preliminary Presentation of Results. The contractor formally briefed results to the Joint Marketing and Advertising Committee (JMAC) on...for national political campaigns, and industry and corporate campaigns worldwide and developing strategy to use advertising and communications program

  11. Women's Health Insurance Coverage

    Science.gov (United States)

    ... Women's Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Published: Oct 31, 2017 Facebook Twitter LinkedIn ... that many women continue to face. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57.9 million ...

  12. CURRENT CHANGES ON INSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    Madalina Giorgiana MANGRA

    2016-12-01

    Full Text Available The offer of insurance products is about the requirements and needs of the consumer who must always have information regarding: the type of insurance risk covered and the excluded risks, the sum insured, the payment of premiums and their duration. The accurate information of customer requires, from the commencement of contract and throughout its duration, that he or she is aware of the obligations throughout the contractual period. Most of the Romanians are turning their attention to one of the insurance companies found in the top 10 in 2016, supervised by F.S.A. (Financial Supervision Authority, preferring to have a policy of mandatory household and goods insurance, auto liability or life insurance, but are also interested in travel health insurance when going abroad, private health insurance or private pension insurance. Romanians' reluctance regarding the conclusion of an insurance comes from their distrust in insurance companies (see the situations of companies like Astra Insurance, Carpatica Insurance etc., their personal financial situation and the fear that they will not receive protection if the risk is covered but the insured sum is insufficient

  13. 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.

  14. People's willingness to pay for health insurance in rural Vietnam.

    Science.gov (United States)

    Lofgren, Curt; Thanh, Nguyen X; Chuc, Nguyen Tk; Emmelin, Anders; Lindholm, Lars

    2008-08-11

    The inequity caused by health financing in Vietnam, which mainly relies on out-of-pocket payments, has put pre-payment reform high on the political agenda. This paper reports on a study of the willingness to pay for health insurance among a rural population in northern Vietnam, exploring whether the Vietnamese are willing to pay enough to sufficiently finance a health insurance system. Using the Epidemiological Field Laboratory for Health Systems Research in the Bavi district (FilaBavi), 2070 households were randomly selected for the study. Existing FilaBavi interviewers were trained especially for this study. The interview questionnaire was developed through a pilot study followed by focus group discussions among interviewers. Determinants of households' willingness to pay were studied through interval regression by which problems such as zero answers, skewness, outliers and the heaping effect may be solved. Households' average willingness to pay (WTP) is higher than their costs for public health care and self-treatment. For 70-80% of the respondents, average WTP is also sufficient to pay the lower range of premiums in existing health insurance programmes. However, the average WTP would only be sufficient to finance about half of total household public, as well as private, health care costs. Variables that reflect income, health care need, age and educational level were significant determinants of households' willingness to pay. Contrary to expectations, age was negatively related to willingness to pay. Since WTP is sufficient to cover household costs for public health care, it depends to what extent households would substitute private for public care and increase utilization as to whether WTP would also be sufficient enough to finance health insurance. This study highlights potential for public information schemes that may change the negative attitude towards health insurance, which this study has uncovered. A key task for policy makers is to win the trust of the

  15. State of Pharmacy Education in Bangladesh | Alam | Tropical ...

    African Journals Online (AJOL)

    The current state of pharmacy education in Bangladesh and identification of the current gaps in terms of manpower development for the pharmaceutical sector are described in this paper. Information for the preparation of this paper was obtained from documents and interviews of stakeholders drawn from regulatory, ...

  16. Health insurance coverage and its impact on medical cost: observations from the floating population in China.

    Directory of Open Access Journals (Sweden)

    Yinjun Zhao

    Full Text Available China has the world's largest floating (migrant population, which has characteristics largely different from the rest of the population. Our goal is to study health insurance coverage and its impact on medical cost for this population.A telephone survey was conducted in 2012. 644 subjects were surveyed. Univariate and multivariate analysis were conducted on insurance coverage and medical cost.82.2% of the surveyed subjects were covered by basic insurance at hometowns with hukou or at residences. Subjects' characteristics including age, education, occupation, and presence of chronic diseases were associated with insurance coverage. After controlling for confounders, insurance coverage was not significantly associated with gross or out-of-pocket medical cost.For the floating population, health insurance coverage needs to be improved. Policy interventions are needed so that health insurance can have a more effective protective effect on cost.

  17. Entrepreneurship Education at Tertiary Education Level: Implication to Historical Studies

    Directory of Open Access Journals (Sweden)

    Salahu Mohammed Lawal

    2012-07-01

    Full Text Available Nigeria is richly endowed with both human and material resources that when well utilized can make her one of the richest and developed nation in the world.  But poor utilization of the resources, corruption and dwindling fortune in her education system made her among the first twenty five poorest nations in the world.  Similarly, report shows that 26% of the employable population remained unemployed.  This called for the need for entrepreneurship education most especially at tertiary level where high level manpower is supposed to be trained.  It is on this premise that the paper attempts to examine entrepreneurship education and its implication to history students and graduates.

  18. The association between insured male expatriates' knowledge of health insurance benefits and lack of access to health care in Saudi Arabia.

    Science.gov (United States)

    Alkhamis, Abdulwahab A

    2018-03-15

    Insufficient knowledge of health insurance benefits could be associated with lack of access to health care, particularly for minority populations. This study aims to assess the association between expatriates' knowledge of health insurance benefits and lack of access to health care. A cross-sectional study design was conducted from March 2015 to February 2016 among 3398 insured male expatriates in Riyadh, Saudi Arabia. The dependent variable was binary and expresses access or lack of access to health care. Independent variables included perceived and validated knowledge of health insurance benefits and other variables. Data were summarized by computing frequencies and percentage of all quantities of variables. To evaluate variations in knowledge, personal and job characteristics with lack of access to health care, the Chi square test was used. Odds ratio (OR) and 95% confidence interval (CI) were recorded for each independent variable. Multiple logistic regression and stepwise logistic regression were performed and adjusted ORs were extracted. Descriptive analysis showed that 15% of participants lacked access to health care. The majority of these were unskilled laborers, usually with no education (17.5%), who had been working for less than 3 years (28.1%) in Saudi Arabia. A total of 23.3% worked for companies with less than 50 employees and 16.5% earned less than 4500 Saudi Riyals monthly ($1200). Many (20.3%) were young (English (16.7%) and lacked previous knowledge of health insurance (18%). For perceived knowledge of health insurance, 55.2% scored 1 or 0 from total of 3. For validated knowledge, 16.9% scored 1 or 0 from total score of 4. Multiple logistic regression analysis showed that only perceived knowledge of health insurance had significant associations with lack of access to health care ((OR) = 0.393, (CI) = 0.335-0.461), but the result was insignificant for validated knowledge. Stepwise logistic regression gave similar findings. Our results

  19. The Role of Public Health Insurance in Reducing Child Poverty.

    Science.gov (United States)

    Wherry, Laura R; Kenney, Genevieve M; Sommers, Benjamin D

    2016-04-01

    Over the past 30 years, there have been major expansions in public health insurance for low-income children in the United States through Medicaid, the Children's Health Insurance Program (CHIP), and other state-based efforts. In addition, many low-income parents have gained Medicaid coverage since 2014 under the Affordable Care Act. Most of the research to date on health insurance coverage among low-income populations has focused on its effect on health care utilization and health outcomes, with much less attention to the financial protection it offers families. We review a growing body of evidence that public health insurance provides important financial benefits to low-income families. Expansions in public health insurance for low-income children and adults are associated with reduced out of pocket medical spending, increased financial stability, and improved material well-being for families. We also review the potential poverty-reducing effects of public health insurance coverage. When out of pocket medical expenses are taken into account in defining the poverty rate, Medicaid plays a significant role in decreasing poverty for many children and families. In addition, public health insurance programs connect families to other social supports such as food assistance programs that also help reduce poverty. We conclude by reviewing emerging evidence that access to public health insurance in childhood has long-term effects for health and economic outcomes in adulthood. Exposure to Medicaid and CHIP during childhood has been linked to decreased mortality and fewer chronic health conditions, better educational attainment, and less reliance on government support later in life. In sum, the nation's public health insurance programs have many important short- and long-term poverty-reducing benefits for low-income families with children. Copyright © 2016 Academic Pediatric Association. Published by Elsevier Inc. All rights reserved.

  20. Airline Maintenance Manpower Optimization from the De Novo Perspective

    Science.gov (United States)

    Liou, James J. H.; Tzeng, Gwo-Hshiung

    Human resource management (HRM) is an important issue for today’s competitive airline marketing. In this paper, we discuss a multi-objective model designed from the De Novo perspective to help airlines optimize their maintenance manpower portfolio. The effectiveness of the model and solution algorithm is demonstrated in an empirical study of the optimization of the human resources needed for airline line maintenance. Both De Novo and traditional multiple objective programming (MOP) methods are analyzed. A comparison of the results with those of traditional MOP indicates that the proposed model and solution algorithm does provide better performance and an improved human resource portfolio.

  1. Status of simulation in health care education: an international survey

    Science.gov (United States)

    Qayumi, Karim; Pachev, George; Zheng, Bin; Ziv, Amitai; Koval, Valentyna; Badiei, Sadia; Cheng, Adam

    2014-01-01

    Simulation is rapidly penetrating the terrain of health care education and has gained growing acceptance as an educational method and patient safety tool. Despite this, the state of simulation in health care education has not yet been evaluated on a global scale. In this project, we studied the global status of simulation in health care education by determining the degree of financial support, infrastructure, manpower, information technology capabilities, engagement of groups of learners, and research and scholarly activities, as well as the barriers, strengths, opportunities for growth, and other aspects of simulation in health care education. We utilized a two-stage process, including an online survey and a site visit that included interviews and debriefings. Forty-two simulation centers worldwide participated in this study, the results of which show that despite enormous interest and enthusiasm in the health care community, use of simulation in health care education is limited to specific areas and is not a budgeted item in many institutions. Absence of a sustainable business model, as well as sufficient financial support in terms of budget, infrastructure, manpower, research, and scholarly activities, slows down the movement of simulation. Specific recommendations are made based on current findings to support simulation in the next developmental stages. PMID:25489254

  2. Disparities in Private Health Insurance Coverage of Skilled Care

    Directory of Open Access Journals (Sweden)

    Stacey A. Tovino

    2017-10-01

    Full Text Available This article compares and contrasts public and private health insurance coverage of skilled medical rehabilitation, including cognitive rehabilitation, physical therapy, occupational therapy, speech-language pathology, and skilled nursing services (collectively, skilled care. As background, prior scholars writing in this area have focused on Medicare coverage of skilled care and have challenged coverage determinations limiting Medicare coverage to beneficiaries who are able to demonstrate improvement in their conditions within a specific period of time (the Improvement Standard. By and large, these scholars have applauded the settlement agreement approved on 24 January 2013, by the U.S. District Court for the District of Vermont in Jimmo v. Sebelius (Jimmo, as well as related motions, rulings, orders, government fact sheets, and Medicare program manual statements clarifying that Medicare covers skilled care that is necessary to prevent or slow a beneficiary’s deterioration or to maintain a beneficiary at his or her maximum practicable level of function even though no further improvement in the beneficiary’s condition is expected. Scholars who have focused on beneficiaries who have suffered severe brain injuries, in particular, have framed public insurance coverage of skilled brain rehabilitation as an important civil, disability, and educational right. Given that approximately two-thirds of Americans with health insurance are covered by private health insurance and that many private health plans continue to require their insureds to demonstrate improvement within a short period of time to obtain coverage of skilled care, scholarship assessing private health insurance coverage of skilled care is important but noticeably absent from the literature. This article responds to this gap by highlighting state benchmark plans’ and other private health plans’ continued use of the Improvement Standard in skilled care coverage decisions and

  3. Philosophy of Public Governance: Manpower Policy of Modern Ukraine in the Context of Globalization

    Directory of Open Access Journals (Sweden)

    Raisa Naumenko

    2018-02-01

    Full Text Available The recent global civilization shift from material to non-material production caused the fundamental change in information industry. The globalization concept is usually associated with the brands expansion and the activity of transnational corporations. Mentioned significant markers of globalization describe only the superficial consequences of deeper shifts in society, which have to be discovered and researched for better understanding of contemporary social system. Modern philosophy of public administration has to take into consideration the issue of man. It is necessary for its construction and future explications. It is well known, that human factor is always in charge. In this article author focuses on the philosophical foundations of the state manpower policy and reveal its importance for achieving Ukraine’s strategic stability in the context of globalization. In particular, the current status of some personnel processes in the sphere of public administration is examined and their legal support is analyzed. Moreover, key problems of inefficiency of the state manpower policy are distinguished.

  4. Finance and Insurance. Industry Training Monograph No. 11.

    Science.gov (United States)

    Dumbrell, Tom

    Australia's finance and insurance industry is among the 5 industry divisions in which females outnumber males. Women's share of industry jobs has risen from 51% to 55% in the last decade. However, there is a pronounced gap in earnings between male and female workers. Employers expressed below-average satisfaction with vocational education and…

  5. 78 FR 33690 - Common Crop Insurance Regulations; Pecan Crop Insurance Provisions; Correction

    Science.gov (United States)

    2013-06-05

    ...-0008] RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Crop Insurance Provisions; Correction... FR 13454-13460). The regulation pertains to the insurance of Pecans. DATES: Effective Date: June 5...: [[Page 33691

  6. Health Insurance

    Science.gov (United States)

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

  7. 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...

  8. Insuring Care: Paperwork, Insurance Rules, and Clinical Labor at a U.S. Transgender Clinic.

    Science.gov (United States)

    van Eijk, Marieke

    2017-12-01

    What is a clinician to do when people needing medical care do not have access to consistent or sufficient health insurance coverage and cannot pay for care privately? Analyzing ethnographically how clinicians at a university-based transgender clinic in the United States responded to this challenge, I examine the U.S. health insurance system, insurance paperwork, and administrative procedures that shape transgender care delivery. To buffer the impact of the system's failure to provide sufficient health insurance coverage for transgender care, clinicians blended administrative routines with psychological therapy, counseled people's minds and finances, and leveraged the prestige of their clinic in attempts to create space for gender nonconforming embodiments in gender conservative insurance policies. My analysis demonstrates that in a market-based health insurance system with multiple payers and gender binary insurance rules, health care may be unaffordable, or remain financially challenging, even for transgender people with health insurance. Moreover, insurance carriers' "reliance" on clinicians' insurance-related labor is problematic as it exacerbates existing insurance barriers to the accessibility and affordability of transgender care and obscures the workings of a financial payment model that prioritizes economic expediency over gender nonconforming health.

  9. How do health insurer market concentration and bargaining power with hospitals affect health insurance premiums?

    Science.gov (United States)

    Trish, Erin E; Herring, Bradley J

    2015-07-01

    The US health insurance industry is highly concentrated, and health insurance premiums are high and rising rapidly. Policymakers have focused on the possible link between the two, leading to ACA provisions to increase insurer competition. However, while market power may enable insurers to include higher profit margins in their premiums, it may also result in stronger bargaining leverage with hospitals to negotiate lower payment rates to partially offset these higher premiums. We empirically examine the relationship between employer-sponsored fully-insured health insurance premiums and the level of concentration in local insurer and hospital markets using the nationally-representative 2006-2011 KFF/HRET Employer Health Benefits Survey. We exploit a unique feature of employer-sponsored insurance, in which self-insured employers purchase only administrative services from managed care organizations, to disentangle these different effects on insurer concentration by constructing one concentration measure representing fully-insured plans' transactions with employers and the other concentration measure representing insurers' bargaining with hospitals. As expected, we find that premiums are indeed higher for plans sold in markets with higher levels of concentration relevant to insurer transactions with employers, lower for plans in markets with higher levels of insurer concentration relevant to insurer bargaining with hospitals, and higher for plans in markets with higher levels of hospital market concentration. Copyright © 2015 Elsevier B.V. All rights reserved.

  10. 76 FR 20298 - Insurer Reporting Requirements; List of Insurers; Required To File Reports

    Science.gov (United States)

    2011-04-12

    ... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... more vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than...

  11. 75 FR 34966 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2010-06-21

    ... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than any...

  12. 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... VETERANS, AND ARMED FORCES SERVICE MEDAL VETERANS Discrimination Prohibited § 60-300.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

  13. 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... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

  14. 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......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...... 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...

  15. [Coverage by health insurance or discount cards: a household survey in the coverage area of the Family Health Strategy].

    Science.gov (United States)

    Fontenelle, Leonardo Ferreira; Camargo, Maria Beatriz Junqueira de; Bertoldi, Andréa Dâmaso; Gonçalves, Helen; Maciel, Ethel Leonor Noia; Barros, Aluísio J D

    2017-10-26

    This study was designed to assess the reasons for health insurance coverage in a population covered by the Family Health Strategy in Brazil. We describe overall health insurance coverage and according to types, and analyze its association with health-related and socio-demographic characteristics. Among the 31.3% of persons (95%CI: 23.8-39.9) who reported "health insurance" coverage, 57.0% (95%CI: 45.2-68.0) were covered only by discount cards, which do not offer any kind of coverage for medical care, but only discounts in pharmacies, clinics, and hospitals. Both for health insurance and discount cards, the most frequently cited reasons for such coverage were "to be on the safe side" and "to receive better care". Both types of coverage were associated statistically with age (+65 vs. 15-24 years: adjusted odds ratios, aOR = 2.98, 95%CI: 1.28-6.90; and aOR = 3.67; 95%CI: 2.22-6.07, respectively) and socioeconomic status (additional standard deviation: aOR = 2.25, 95%CI: 1.62-3.14; and aOR = 1.96, 95%CI: 1.34-2.97). In addition, health insurance coverage was associated with schooling (aOR = 7.59, 95%CI: 4.44-13.00) for complete University Education and aOR = 3.74 (95%CI: 1.61-8.68) for complete Secondary Education, compared to less than complete Primary Education. Meanwhile, neither health insurance nor discount card was associated with health status or number of diagnosed diseases. In conclusion, studies that aim to assess private health insurance should be planned to distinguish between discount cards and formal health insurance.

  16. Restructuring Nigerian Tertiary (University) Education for Better Performance

    Science.gov (United States)

    Oyebade, Stephen Adebanjo; Dike, Chika

    2013-01-01

    This study assesses the goals of university level of education, namely, development of high level manpower, scholarship and community service, and found that universities have not been able to achieve close to average. Problems range from social, political, financial as well as personnel issues. Specifically, they include problems of…

  17. A Master Plan for the Development of Vocational-Technical Education In New Mexico.

    Science.gov (United States)

    Sterling Inst., Washington, DC.

    This master plan for vocational education in New Mexico is the result of a study conducted by professional education consultants. The following areas were examined during the study: (1) New Mexico's present manpower problems, (2) market trends of future industrial potential, (3) state resources capable of attracting new industry, (4) adequacy of…

  18. National Workplace Literacy Program (NWL) at Chinatown Manpower Project, Inc. Final Performance Report.

    Science.gov (United States)

    Tse, Ivy Au

    The Chinatown Manpower Workplace Literacy Program was funded by the United States Department from November 1, 1993 to April 30, 1995. The program consisted of three 18-week cycles, each comprised of 50 hours of instruction of garment-related English and English as a Second Language aimed at upgrading the literacy level of Chinese workers;…

  19. Health Insurance Coverage and Its Impact on Medical Cost: Observations from the Floating Population in China

    Science.gov (United States)

    Zhao, Yinjun; Kang, Bowei; Liu, Yawen; Li, Yichong; Shi, Guoqing; Shen, Tao; Jiang, Yong; Zhang, Mei; Zhou, Maigeng; Wang, Limin

    2014-01-01

    Background China has the world's largest floating (migrant) population, which has characteristics largely different from the rest of the population. Our goal is to study health insurance coverage and its impact on medical cost for this population. Methods A telephone survey was conducted in 2012. 644 subjects were surveyed. Univariate and multivariate analysis were conducted on insurance coverage and medical cost. Results 82.2% of the surveyed subjects were covered by basic insurance at hometowns with hukou or at residences. Subjects' characteristics including age, education, occupation, and presence of chronic diseases were associated with insurance coverage. After controlling for confounders, insurance coverage was not significantly associated with gross or out-of-pocket medical cost. Conclusion For the floating population, health insurance coverage needs to be improved. Policy interventions are needed so that health insurance can have a more effective protective effect on cost. PMID:25386914

  20. 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…

  1. 76 FR 41138 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2011-07-13

    ... passenger motor vehicle insurers that are required to file reports on their motor vehicle theft loss... information about thefts and recoveries of motor vehicles, the rating rules used by the insurer to establish... companies with a fleet of 20 or more vehicles not covered by theft insurance policies issued by insurers of...

  2. 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

  3. Quality Assurance in the Teaching and Examination of Vocational and Technical Education in Nigeria

    Science.gov (United States)

    Idialu, E. Ethel

    2007-01-01

    The vital role of Vocational and Technical Education in the production of skilled and competent manpower for economic, industrial and social development cannot be achieved if an efficient and effective teaching and examination is not maintained. Therefore, this paper examines the objectives of Vocational and Technical Education in Nigeria, factors…

  4. 75 FR 28295 - Cummins Filtration, Including On-Site Leased Workers From Manpower and Spherion Staffing...

    Science.gov (United States)

    2010-05-20

    .... The Department has determined that workers from Spherion Staffing were sufficiently under the control..., Including On-Site Leased Workers From Manpower and Spherion Staffing, Including On-Site Workers From Hagemeyer North America, Lake Mills, IA; Amended Certification Regarding Eligibility To Apply for Worker...

  5. Determinants of Private Long-Term Care Insurance Purchase in Response to the Partnership Program.

    Science.gov (United States)

    Lin, Haizhen; Prince, Jeffrey T

    2016-04-01

    To assess three possible determinants of individuals' response in their private insurance purchases to the availability of the Partnership for Long-Term Care (PLTC) insurance program: bequest motives, financial literacy, and program awareness. The health and retirement study (HRS) merged with data on states' implementation of the PLTC program. Individual-level decision on private long-term care insurance is regressed on whether the PLTC program is being implemented for a given state-year, asset dummies, policy determinant variable, two-way and three-way interactions of these variables, and other controls, using fixed effects panel regression. Analysis used a sample between 50 and 69 years of age from 2002 to 2010, resulting in 12,695 unique individuals with a total of 39,151 observations. We find mild evidence that intent to bequest influences individual purchase of insurance. We also find that program awareness is necessary for response, while financial literacy notably increases responsiveness. Increasing response to the PLTC program among the middle class (the stated target group) requires increased efforts to create awareness of the program's existence and increased education about the program's benefits, and more generally, about long-term care risks and needs. © Health Research and Educational Trust.

  6. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Science.gov (United States)

    2010-07-01

    ... and no-fault automobile insurance. 220.11 Section 220.11 National Defense Department of Defense... insurance and no-fault automobile insurance. (a) Active duty members covered. In addition to Uniformed.... 1095 and this part. (c) Exclusion of automobile liability insurance and no-fault automobile insurance...

  7. 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...

  8. Seeing Health Insurance and HealthCare.gov Through the Eyes of Young Adults.

    Science.gov (United States)

    Wong, Charlene A; Asch, David A; Vinoya, Cjloe M; Ford, Carol A; Baker, Tom; Town, Robert; Merchant, Raina M

    2015-08-01

    We describe young adults' perspectives on health insurance and HealthCare.gov, including their attitudes toward health insurance, health insurance literacy, and benefit and plan preferences. We observed young adults aged 19-30 years in Philadelphia from January to March 2014 as they shopped for health insurance on HealthCare.gov. Participants were then interviewed to elicit their perceived advantages and disadvantages of insurance and factors considered important for plan selection. A 1-month follow-up interview assessed participants' plan enrollment decisions and intended use of health insurance. Data were analyzed using qualitative methodology, and salience scores were calculated for free-listing responses. We enrolled 33 highly educated young adults; 27 completed the follow-up interview. The most salient advantages of health insurance for young adults were access to preventive or primary care (salience score .28) and peace of mind (.27). The most salient disadvantage was the financial strain of paying for health insurance (.72). Participants revealed poor health insurance literacy with 48% incorrectly defining deductible and 78% incorrectly defining coinsurance. The most salient factors reported to influence plan selection were deductible (.48) and premium (.45) amounts as well as preventive care (.21) coverage. The most common intended health insurance use was primary care. Eight participants enrolled in HealthCare.gov plans: six selected silver plans, and three qualified for tax credits. Young adults' perspective on health insurance and enrollment via HealthCare.gov can inform strategies to design health insurance plans and communication about these plans in a way that engages and meets the needs of young adult populations. Copyright © 2015 Society for Adolescent Health and Medicine. Published by Elsevier Inc. All rights reserved.

  9. 78 FR 52780 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2013-08-26

    ...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of FY... Assistance/Subsidy Arrangement (Arrangement), 85 (as of June 2013) private sector property insurers sell... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

  10. 77 FR 36566 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2012-06-19

    ...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of FY... Assistance/Subsidy Arrangement (Arrangement), 82 (as of April, 2012) private sector property insurers sell... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

  11. Industrial Special Wastes Generated in Iowa and Manpower Characteristics of Employee Handlers, Volume I.

    Science.gov (United States)

    Pierce, David R.

    This document, Vol. I in a set, presents information obtained from a survey of industry in Iowa to determine the use and quantities, distribution, and treatment and disposal practices of hazardous waste generators. Additionally, it tabulated the number and manpower characteristics of employees who are in daily contact with such hazardous…

  12. Technology and Manpower in the Textile Industry of the 1970's. Bulletin No. 1578.

    Science.gov (United States)

    Bureau of Labor Statistics (DOL), Washington, DC.

    This bulletin describes changes in technology in the textile industry, one of the major industries of the economy, projects their impact on productivity, employment, and occupational requirements, and discusses methods of adjustment. It is designed to partially meet the requirement of the Manpower Development and Training Act that the Secretary of…

  13. Insurance: Accounting, Regulation, Actuarial Science

    OpenAIRE

    Alain Tosetti; Thomas Behar; Michel Fromenteau; Stéphane Ménart

    2001-01-01

    We shall be examining the following topics: (i) basic frameworks for accounting and for statutory insurance rules; and (ii) actuarial principles of insurance; for both life and nonlife (i.e. casualty and property) insurance.Section 1 introduces insurance terminology, regarding what an operation must include in order to be an insurance operation (the legal, statistical, financial or economic aspects), and introduces the accounting and regulation frameworks and the two actuarial models of insur...

  14. Risk Management in Insurance Companies

    OpenAIRE

    Yang, Xufeng

    2006-01-01

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

  15. Manpower requirements for quality assurance during operation

    International Nuclear Information System (INIS)

    Pratt, J.M.; Sollenberger, L.G.

    1982-01-01

    As a result of the Three Mile Island accident and the findings presented in various investigatory reports, some fundamental changes are taking place in the role and scope of quality assurance. Recent changes to United States national codes, guides and standards are analysed in order to identify the principles involved. This analysis shows that the scope of the programme is being extended beyond the equipment designated 'nuclear safety related' and greater emphasis is being placed upon the independent verification of the satisfactory performance of activities affecting safety. Such fundamental changes could lead to a significant increase in the number of quality assurance personnel required to support an operating nuclear power plant. The evolving quality assurance organization at Three Mile Island is used to illustrate how these fundamental changes could affect the quality assurance organization and manpower requirements. (author)

  16. Ghana's National Health insurance scheme and maternal and child health: a mixed methods study.

    Science.gov (United States)

    Singh, Kavita; Osei-Akoto, Isaac; Otchere, Frank; Sodzi-Tettey, Sodzi; Barrington, Clare; Huang, Carolyn; Fordham, Corinne; Speizer, Ilene

    2015-03-17

    Ghana is attracting global attention for efforts to provide health insurance to all citizens through the National Health Insurance Scheme (NHIS). With the program's strong emphasis on maternal and child health, an expectation of the program is that members will have increased use of relevant services. This paper uses qualitative and quantitative data from a baseline assessment for the Maternal and Newborn errals Evaluation from the Northern and Central Regions to describe women's experiences with the NHIS and to study associations between insurance and skilled facility delivery, antenatal care and early care-seeking for sick children. The assessment included a quantitative household survey (n = 1267 women), a quantitative community leader survey (n = 62), qualitative birth narratives with mothers (n = 20) and fathers (n = 18), key informant interviews with health care workers (n = 5) and focus groups (n = 3) with community leaders and stakeholders. The key independent variables for the quantitative analyses were health insurance coverage during the past three years (categorized as all three years, 1-2 years or no coverage) and health insurance during the exact time of pregnancy. Quantitative findings indicate that insurance coverage during the past three years and insurance during pregnancy were associated with greater use of facility delivery but not ANC. Respondents with insurance were also significantly more likely to indicate that an illness need not be severe for them to take a sick child for care. The NHIS does appear to enable pregnant women to access services and allow caregivers to seek care early for sick children, but both the quantitative and qualitative assessments also indicated that the poor and least educated were less likely to have insurance than their wealthier and more educated counterparts. Findings from the qualitative interviews uncovered specific challenges women faced regarding registration for the NHIS and other

  17. Supplementary insurance as a switching cost for basic health insurance: Empirical results from the Netherlands.

    Science.gov (United States)

    Willemse-Duijmelinck, Daniëlle M I D; van de Ven, Wynand P M M; Mosca, Ilaria

    2017-10-01

    Nearly everyone with a supplementary insurance (SI) in the Netherlands takes out the voluntary SI and the mandatory basic insurance (BI) from the same health insurer. Previous studies show that many high-risks perceive SI as a switching cost for BI. Because consumers' current insurer provides them with a guaranteed renewability, SI is a switching cost if insurers apply selective underwriting to new applicants. Several changes in the Dutch health insurance market increased insurers' incentives to counteract adverse selection for SI. Tools to do so are not only selective underwriting, but also risk rating and product differentiation. If all insurers use the latter tools without selective underwriting, SI is not a switching cost for BI. We investigated to what extent insurers used these tools in the periods 2006-2009 and 2014-2015. Only a few insurers applied selective underwriting: in 2015, 86% of insurers used open enrolment for all their SI products, and the other 14% did use open enrolment for their most common SI products. As measured by our indicators, the proportion of insurers applying risk rating or product differentiation did not increase in the periods considered. Due to the fear of reputation loss insurers may have used 'less visible' tools to counteract adverse selection that are indirect forms of risk rating and product differentiation and do not result in switching costs. So, although many high-risks perceive SI as a switching cost, most insurers apply open enrolment for SI. By providing information to high-risks about their switching opportunities, the government could increase consumer choice and thereby insurers' incentives to invest in high-quality care for high-risks. Copyright © 2017 Elsevier B.V. All rights reserved.

  18. 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.

  19. Economic Implications of Changes in Financing Medical Education. The Rand Paper Series P-5150.

    Science.gov (United States)

    Koehler, John E.; Williams, Albert P., Jr.

    To increase the supply of doctors, the government has become directly involved in physician education. Of the $673 million appropriated for health manpower programs in 1972, 55% was for medical schools. Legislation to date has emphasized expansion of medical education output in the aggregate, but increasing attention has been directed to the…

  20. The Dynamics of Market Insurance, Insurable Assets, and Wealth Accumulation

    OpenAIRE

    Koeniger, Winfried

    2002-01-01

    We analyze dynamic interactions between market insurance, the stock of insurable assets and liquid wealth accumulation in a model with non-durable and durable consumption. The stock of the durable is exposed to risk against which households can insure. Since the model does not have a closed form solution we first provide an analytical approximation for the case in which households own abundant liquid wealth. It turns out that precautionary motives still matter because of fluctuations of the p...

  1. [Health promotion effectiveness: developing and testing a system for routine evaluation in health education, workplace health promotion and setting approach supplied by the German statutory health insurance agencies].

    Science.gov (United States)

    Kliche, T; Riemann, K; Bockermann, C; Niederbühl, K; Wanek, V; Koch, U

    2011-04-01

    The aim of the study was to develop and test a routine evaluation system for all health promotion and education activities funded by the German statutory health insurance companies. The system aims at measuring both individual health effects and the complex organisational effects of setting projects. Measurement instruments were developed synoptically and tested in three field tests (2003-2008). In order to assess the impact of individual health training, 212 courses of the health insurance companies were evaluated. To assess the setting approach, 56 schools participating in a health-promotion project were included, and for workplace health-promotion 6 projects of different health insurance companies were included. The research design was an observational study. Instead of control groups, individual data were compared to reference values for gender- and age-matched groups from national health surveys. The studies consisted of baseline and final assessment (T1/T2), complemented by a follow-up (T3), all adapted to the time of intervention (i. e., 3-24 months for T1/T2 and 3-18 months for T2/T3). The evaluation system provides multilevel-measurement based upon validated questionnaires for health-related structures and processes in institutions, and for the participating individual's subjective health, health problems, health-related quality of life, workplace and institutional satisfaction. Controlling for central confounders is also possible (input and dosage, age, gender, educational background). Thus, short but valid measurement instruments of high usability are available to evaluate the effectiveness of prevention, health promotion and education. © Georg Thieme Verlag KG Stuttgart · New York.

  2. Insurance dictionary

    International Nuclear Information System (INIS)

    Mueller-Lutz, H.L.

    1984-01-01

    Special technical terms used in the world of insurance can hardly be found in general dictionaries. This is a gap which the 'Insurance dictionary' now presented is designed to fill. In view of its supplementary function, the number of terms covered is limited to 1200. To make this dictionary especially convenient for ready reference, only the most commonly used translations are given for each key word in any of the four languages. This dictionary is subdivided into four parts, each containing the translation of the selected terms in the three other languages. To further facilitate the use of the booklet, paper of different colours was used for the printing of the German, English, French and Greek sections. The present volume was developed from a Swedish insurance dictionary (Fickordbok Foersaekring), published in 1967, which - with Swedish as the key language- offers English, French and German translations of the basic insurance terms. (orig./HP) [de

  3. Migrants, Manpower and Math in the Coming Europe.

    Science.gov (United States)

    Evans, Robert G

    2015-11-01

    "A dead child" said stalin "is a tragedy. Two million are a statistic." A single photograph of a beach riveted world attention, converting syrian refugees from statistics to tragedy. But the statistics remain. Three Canadian columnists have offered contrasting interpretations. Eric Reguly argues that a static and aging Europe needs more manpower to sustain its economy. Margaret Wente, however, observes the failure of integration of migrants in Sweden. Migrants are drawn by open borders and a generous welfare state, but do not fit an advanced, high-skill economy. Gwynne Dyer notes that current inflows, IF evenly distributed, are a tiny proportion of the overall European Union. But economic migrants from Africa are a much larger issue. Their numbers are effectively inexhaustible. Copyright © 2015 Longwoods Publishing.

  4. ECONOMIC & DEMOGRAPHIC CHARACTERICTICS, SOCIAL CAPITAL AND DEMAND FOR LIFE INSURANCE: EVIDENCE FROM CENTRAL REGION OF SRI LANKA

    Directory of Open Access Journals (Sweden)

    Sisira Kumara NARADDA GAMAGE

    2016-08-01

    Full Text Available This paper presents findings of the determinants of demand for life insurance in the central region of Sri Lanka.  It is a novel study in the sense that it incorporated social capital as a determinant of demand for life insurance. Primary data has been collected through random sampling and the logistic model was used to examine the determinants of the demand for life insurance. Results confirmed that gender, income, trust and social capital has significant effect on demand for life insurance in the study area. Income and trust came out positive contributors of life insurance demand. However, it is worthy to note that although income has a positive effect on life insurance demand but its odds ratio makes it less important factor to influence demand for life insurance. Gender has deteriorated effect on demand for life insurance indicating that male household head less likely to purchase life insurance. Similarly, social capital also has a negative impact on demand for life insurance. Other determinants like age, religious status, working status, and education, has not significant effect on life insurance demand. Policies are recommended on research findings.

  5. Needed: A Voucher Plan in Support of Continuing Education.

    Science.gov (United States)

    Bushnell, David S.

    Opportunities for career advancement, an adequate pool of trained manpower, and the growth of our economy are inextricably connected with the availability of continuing education and training opportunities to working adults. Availability is a function of access to training and successful participation in training. The federally funded voucher plan…

  6. 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.

  7. Underutilization of social insurance among the poor: evidence from the Philippines.

    Directory of Open Access Journals (Sweden)

    Stella Quimbo

    Full Text Available Many developing countries promote social health insurance as a means to eliminate unmet health needs. However, this strategy may be ineffective if there are barriers to fully utilizing insurance.We analyzed the utilization of social health insurance in 30 hospital districts in the central regions of the Philippines between 2003 and 2007. Data for the study came from the Quality Improvement Demonstration Study (QIDS and included detailed patient information from exit interviews of children under 5 years of age conducted in seven waves among public hospital districts located in the four central regions of the Philippines. These data were used to estimate and identify predictors of underutilization of insurance benefits--defined as the likelihood of not filing claims despite having legitimate insurance coverage--using logistic regression.Multivariate analyses using QIDS data from 2004 to 2007 reveal that underutilization averaged about 15% throughout the study period. Underutilization, however, declined over time. Among insured hospitalized children, increasing length of stay in the hospital and mother's education, were associated with less underutilization. Being in a QIDS intervention site was also associated with less underutilization and partially accounts for the downward trend in underutilization over time.The surprisingly high level of insurance underutilization by insured patients in the QIDS sites undermines the potentially positive impact of social health insurance on the health of the marginalized. In the Philippines, where the largest burden of health care spending falls on households, underutilization suggests ineffective distribution of public funds, failing to reach a significant proportion of households which are by and large poor. Interventions that improve benefit awareness may combat the problem of underutilization and should be the focus of further research in this area.

  8. Acceptability of, and willingness to pay for, community health insurance in rural India.

    Science.gov (United States)

    Jain, Ankit; Swetha, Selva; Johar, Zeena; Raghavan, Ramesh

    2014-09-01

    To understand the acceptability of, and willingness to pay for, community health insurance coverage among residents of rural India. We conducted a mixed methods study of 33 respondents located in 8 villages in southern India. Interview domains focused on health-seeking behaviors of the family for primary healthcare, household expenditures on primary healthcare, interest in pre-paid health insurance, and willingness to pay for such a product. Most respondents reported that they would seek care only when symptoms were manifest; only 6 respondents recognized the importance of preventative services. None reported impoverishment due to health expenditures. Few viewed health insurance as necessary either because they did not wish to be early adopters, because they had alternate sources of financial support, or because of concerns with the design of insurance coverage or the provider. Those who were interested reported being willing to pay Rs. 1500 ($27) as the modal annual insurance premium. Penetration of community health insurance programs in rural India will require education of the consumer base, careful attention to premium rate setting, and deeper understanding of social networks that may act as financial substitutes for health insurance. Copyright © 2013 Ministry of Health, Saudi Arabia. Published by Elsevier Ltd. All rights reserved.

  9. The insurance of nuclear installations

    International Nuclear Information System (INIS)

    Francis, H.W.

    1977-01-01

    A brief account is given of the development of nuclear insurance. The subject is dealt with under the following headings: the need for nuclear insurance, nuclear insurance pools, international co-operation, nuclear installations which may be insured, international conventions relating to the liability of operators of nuclear installations, classes of nuclear insurance, nuclear reactor hazards and their assessment, future developments. (U.K.)

  10. Regulated Medicare Advantage And Marketplace Individual Health Insurance Markets Rely On Insurer Competition.

    Science.gov (United States)

    Frank, Richard G; McGuire, Thomas G

    2017-09-01

    Two important individual health insurance markets-Medicare Advantage and the Marketplaces-are tightly regulated but rely on competition among insurers to supply and price health insurance products. Many local health insurance markets have little competition, which increases prices to consumers. Furthermore, both markets are highly subsidized in ways that can exacerbate the impact of market power-that is, the ability to set price above cost-on health insurance prices. Policy makers need to foster robust competition in both sectors and avoid designing subsidies that make the market-power problem worse. Project HOPE—The People-to-People Health Foundation, Inc.

  11. 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 &...

  12. Technical and Vocational Education and Training for Economic Growth in Pakistan

    Directory of Open Access Journals (Sweden)

    Shirin Nooruddin

    2017-06-01

    Full Text Available This discussion paper aims to highlight the existing scenario of Technical and Vocational Education and Training (TVET for the economic growth in Pakistan. It specifically analysis the status of vocational training, related policies and practices with reference to the 18th Amendment, which abolishes the concurrent list and grants more provincial autonomy in the matters of education. Article 25A of the Constitution of the Islamic Republic of Pakistan (iv states that the provinces should set priorities for access and quality education based on the provincial needs and develop action plans for its actualization. A developing country like Pakistan needs to devise a systematic, well thought and sophisticated policy for TVET; therefore, this paper proposes a policy following the simple framework of input, process and output. The inputs are predominantly focused on highlighting and matching demand and supply of the TVET. The process thoroughly discusses both the formal and informal education arrangements. Finally, the outputs are deliberated in the form of economic effects such as the manpower structures, technological development, manpower quality and economic behavior leading to the ultimate goal of economic growth and development of the country.

  13. Nuclear insurance fire risk

    International Nuclear Information System (INIS)

    Dressler, E.G.

    2001-01-01

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

  14. Risks and nuclear insurance

    International Nuclear Information System (INIS)

    Debaets, M.; Springett, G.D.; Luotonen, K.; Virole, J.

    1988-01-01

    When analysing the nuclear insurance market, three elements must be taken into account: the nuclear operator's liability is regulated by national laws and/or international Conventions, such operators pay large premiums to insure their nuclear installations against property damage and finally, the nuclear insurance market is made up of pools and is mainly a monopoly. This report describes the different types of insurance coverage, the system governing nuclear third party liability under the Paris Convention and the Brussels Supplementary Convention and several national laws in that field. The last part of the report deals with liability and insurance aspects of international transport of nuclear materials [fr

  15. 46 CFR 308.403 - Insured amounts.

    Science.gov (United States)

    2010-10-01

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

  16. Expanding health insurance scheme in the informal sector in Nigeria: awareness as a potential demand-side tool.

    Science.gov (United States)

    Adewole, David Ayobami; Akanbi, Saidat Abisola; Osungbade, Kayode Omoniyi; Bello, Segun

    2017-01-01

    The implementation and expansion of a health insurance scheme in the informal sector, particularly in developing countries, is a challenge. With the aid of an innovative Information-Education and Communication model, titled 'Understanding the concept of health insurance: An innovative social marketing tool', an assessment of the awareness and perception of the scheme among market women was carried out. This is a cross-sectional descriptive survey, carried out among market women in Ibadan, Nigeria. In a multi-stage sampling technique, a total of 351 women were interviewed using an interviewer-administered, semi-structured questionnaire. The data was analysed using SPSS version 16. Chi-square test was used to test associations between selected variables of interest. Logistic regression model was used to determine predictors of awareness of the National Health Insurance Scheme (NHIS). A model controlling for participants' enrolment status was built and Adjusted Odds Ratio (AOR) reported. Level of statistical significance was set at p market women aged 18 years and above participated in the study, a response rate of 98.0%. Respondents' educational status was the only predictor significantly associated with awareness of the NHIS. Respondents with post-primary education had 10 times the odds of being aware of the NHIS than respondents with no education or only primary education (Adjusted Odds Ratio = 10.3; 95% CI = 4.1-26.0). Innovative models to enable potential beneficiaries, especially among the informal sector, to better comprehend and accept the concept of prepayment methods of financing healthcare costs is important in efforts to implement and expand a social health insurance scheme.

  17. Revised management plan, milestone plan, cost plan, and manpower plan. Sixth and seventh monthly status reports, October 1-November 30, 1978

    Energy Technology Data Exchange (ETDEWEB)

    None,

    1978-01-01

    The following are included: project background and discussion, technical progress reports for all subtasks, contract management summary report, milestone schedule and status report, milestone log, cost plans, cost management reports, manpower plans, and manpower management reports. The following appendices are included: selection of heat pumps simulation locations, economic computations, fuel costs, system studies, recommended methodology for calculating residential load models, potential performance of heat pumps, data required from cooling contractors, cooling locations, thermal outputs: cooling, recommended inputs for the 25 ton advanced cooling simulation study, meteorological data, and contract modification. (MHR)

  18. Health Insurance Trends in United States Living Kidney Donors (2004 to 2015).

    Science.gov (United States)

    Rodrigue, J R; Fleishman, A

    2016-12-01

    Some transplant programs consider the lack of health insurance as a contraindication to living kidney donation. Still, prior studies have shown that many adults are uninsured at time of donation. We extend the study of donor health insurance status over a longer time period and examine associations between insurance status and relevant sociodemographic and health characteristics. We queried the United Network for Organ Sharing/Organ Procurement and Transplantation Network registry for all living kidney donors (LKDs) between July 2004 and July 2015. Of the 53 724 LKDs with known health insurance status, 8306 (16%) were uninsured at the time of donation. Younger (18 to 34 years old), male, minority, unemployed, less educated, unmarried LKDs and those who were smokers and normotensive were more likely to not have health insurance at the time of donation. Compared to those with no health risk factors (i.e. obesity, smoking, hypertension, estimated glomerular filtration rate health risk factors at the time of donation were more likely to be uninsured (p health risk factors, blacks (28%) and Hispanics (27%) had higher likelihood of being uninsured compared to whites (19%; p health insurance benefits to all previous and future LKDs. © Copyright 2016 The American Society of Transplantation and the American Society of Transplant Surgeons.

  19. Barriers to accessing and using health insurance cards among methadone maintenance treatment patients in northern Vietnam.

    Science.gov (United States)

    Tran, Bach Xuan; Boggiano, Victoria L; Nguyen, Cuong Tat; Nguyen, Long Hoang; Le Nguyen, Anh Tuan; Latkin, Carl A

    2017-07-17

    Methadone maintenance treatment (MMT) patients face unique costs associated with their healthcare expenditures. As such, it is important that these patients have access to health insurance (HI) to help them pay for both routine and unforeseen health services. In this study, we explored factors related to health insurance enrollment and utilization among MMT patients, to move Vietnam closer to universal coverage among this patient population. A cross-sectional study was conducted with 1003 patients enrolled in MMT in five clinics in Hanoi and Nam Dinh provinces. Patients were asked a range of questions about their health, health expenditures, and health insurance access and utilization. We used multivariate logistic regressions to determine factors associated with health insurance access among participants. The majority of participants (nearly 80%) were not currently enrolled in health insurance at the time of the study. Participants from rural regions were significantly more likely than urban participants to report difficulty using HI. Family members of participants from rural regions were more likely to have overall poor service quality through health insurance compared with family members of participants from urban regions. Overall, 37% of participants endorsed a lack of information about HI, nearly 22% of participants reported difficulty accessing HI, 22% reported difficulty using HI, and more than 20% stated they had trouble paying for HI. Older, more highly educated, and employed participants were more likely to have an easier time accessing HI than their younger, less well educated, and unemployed counterparts. HIV-positive participants were more likely to have sufficient information about health insurance options. Our study highlights the dearth of health insurance utilization among MMT patients in northern Vietnam. It also sheds light on factors associated with increased access to and utilization of health insurance among this underserved population. These

  20. Combining Education and Work; Experiences in Asia and Oceania: Bangladesh.

    Science.gov (United States)

    Dacca Univ., Bangladesh. Inst. of Education and Research.

    Bangladesh stresses the importance of education responsive to the country's development needs and capable of producing, through formal or non-formal methods, skilled, employable manpower. Although no pre-vocational training exists, new curricula have introduced practical work experience in the primary schools and have integrated agriculture,…

  1. The Educational Attainment of Second Generation Immigrants in the Netherlands

    NARCIS (Netherlands)

    van Ours, J.C.; Veenman, J.M.C.

    2001-01-01

    Since the mid-1960's the Netherlands has had an immigration surplus, mainly because of manpower recruitment from Turkey and Morocco and immigration from the former Dutch colony of Surinam.Immigrants have a weak labor market position, which is related to their educational level and language

  2. THE IMPACT OF COOPERATION BETWEEN INSURERS AND BANKS ON THE DEVELOPMENT OF THE INSURANCE SYSTEM

    Directory of Open Access Journals (Sweden)

    Nataliya Prikazyuk

    2017-11-01

    Full Text Available The article highlights how the cooperation of insurance companies and banks affects the insurance system. Defined the concept of bancassurance, provided a brief description of the main bancassurance models in the context of their impact on the insurance system. Defined the main benefits and risks that accompany cooperation of insurance companies and banks within different models of association. It is noted that despite the generally accepted benefits of cooperation between insurers and banks, financial intermediaries’ unions often carry significant risks. Benefits from the cooperation of insurance companies and banks are disclosed with operational, marketing and financial aspects. The purpose of the article is to study the forms of cooperation between financial intermediaries and their impact on the insurance system. Methodology. The study is based on theoretical methods to study this problem. The theoretical and methodological basis of the study is works of scientists on the models of cooperation between insurers and banks. The dialectical method of cognition as well as such methods as logical generalization, structural and systematic analysis are used to study the methodological foundations of banks’ impact on the insurance companies and insurance system. Results. Banking activity has a significant impact on the insurance system. This impact is noticeable at the micro-level: insurers and banks can be clients of each other as well as they can sign cooperation agreements. A significant positive impact of the bancassurance on the activities of both financial institutions within the synergy that appears during their cooperation is highlighted in the article. Respectively, the insurance company and the bank are experiencing the benefits of cooperation along with savings on fixed, variable costs and obtaining additional profits; simplifying and optimization of the process of collecting and processing information; savings on advertising and

  3. Counseling as an Insured Benefit: Perspectives from the Insurance Industry

    Science.gov (United States)

    Fulton, Wallace C.

    1974-01-01

    Article discusses the feasibility of marriage counseling as an insurance benefit in the future. It is suggested that the physician be used as a marriage counselor in that insurance companies will pay for medical services. (EK)

  4. Long-term care insurance matures as a benefit.

    Science.gov (United States)

    Davis, Elaine; Leach, Tom

    2002-12-01

    Forty-eight percent of U.S. businesses now offer long-term care insurance (LTCI) coverage, an increase of 15% since 1998. As more organizations realize the added value of LTCI in the employee benefit package, they have also found that motivation to buy varies with employee financial standing, gender and age, and that targeted employee education as part of retirement planning is essential.

  5. THE ROLE OF REINSURANCE IN INSURANCE

    Directory of Open Access Journals (Sweden)

    VĂDUVA MARIA

    2018-02-01

    Full Text Available Insurance companies carry out risk spreading through the co-insurance and reinsurance mechanism, consisting of the participation of more companies in the provision of high-value assets. Reinsurance is a form of insurance whereby an insurance organization can transfer to another reinsurer, partly or fully, its payment obligations arising from the insurance contracts that it has concluded. In the reinsurance ratios, the insurance companies appear in a double position - giving other insurance companies some of the risks assumed under direct insurance, being reinsured, but receiving different risks to reinsurance, acquiring the quality of reinsurers. Reinsurance intends to satisfy some multiple needs of the direct insurer and can provide means to counteract the risks associated with the fluctuations in compensation costs, the reinsurer will contribute to the payment of compensations on behalf of the reinsurer. Life insurance has characteristics that influence reinsurance: the average life of the insurance, the insurance is concluded for a fixed amount insured, the capital accumulation. In life reinsurance, almost all reinsurance arrangements are proportional agreements, and the largest share have the "surplus" agreements. Reinsurance plays an important role because it fulfills the following functions: it confers capacity, creates stability, helps to consolidate financial strength. The adjustment of the client portfolio in terms of the changes of reinsurance agreement, required by the reinsurer, can only be done by concluding the insurance contracts. In life insurance, reinsurance contracts contain provisions that meet the need of the insurer to have long-term protection.

  6. The impact of the macroeconomy on health insurance coverage: evidence from the Great Recession.

    Science.gov (United States)

    Cawley, John; Moriya, Asako S; Simon, Kosali

    2015-02-01

    This paper investigates the impact of the macroeconomy on the health insurance coverage of Americans using panel data from the Survey of Income and Program Participation for 2004-2010, a period that includes the Great Recession of 2007-2009. We find that a one percentage point increase in the state unemployment rate is associated with a 1.67 percentage point (2.12%) reduction in the probability that men have health insurance; this effect is strongest among college-educated, white, and older (50-64 years old) men. For women and children, health insurance coverage is not significantly correlated with the unemployment rate, which may be the result of public health insurance acting as a social safety net. Compared with the previous recession, the health insurance coverage of men is more sensitive to the unemployment rate, which may be due to the nature of the Great Recession. Copyright © 2013 John Wiley & Sons, Ltd.

  7. The Three-Year (1995-1997) Workplace Literacy Program at Chinatown Manpower Project, Inc. Final Evaluation.

    Science.gov (United States)

    Friedenberg, Joan E.

    An external evaluation was conducted of the Workplace Literacy Program at Chinatown Manpower Project, Inc., which provided oral and written job-specific instruction in English as a second language to Chinese garment workers. The program was designed for underemployed garment industry workers with low English proficiency, including seamstresses,…

  8. Reform of health insurance in Croatia.

    Science.gov (United States)

    Turek, S

    1999-06-01

    After democratic changes in 1990 and the declaration of independence in 1991, Croatia inherited an archaic system of economy, similar to all the other post-communist countries, which had especially negative effects on the health system. Health services were divided into 113 independent offices with their own local rules; they could not truly support the health care system, which gradually stagnated, both organizationally and technologically. Such an administrative system devoured 17.5% of the total funds, and primary care used only 10.3% of this. Despite the costly hospital medicine the entire system was financed with US$300 per citizen. The system was functioning only because of professionalism and enthusiasm of well-educated medical personnel. Such health policy had a negative effect on all levels of the system, with long-term consequences. The new health insurance system instituted a standard of 1,700 insureds per family medicine team, reducing hospital capacities to 3.8 beds per 1,000 citizens for acute illnesses. Computerization of the system makes possible the transparency of accounting income and expenses. In a relatively short period, in spite of the war, and in a complex, socially and ethically delicate area, Croatian Health Insurance Institute has successfully carried out the rationalization and control of spending, without lowering the level of health care or negatively influencing the vital statistics data.

  9. Inventory of pediatric neurology "manpower" in Canada.

    Science.gov (United States)

    Keene, Daniel L; Humphreys, Peter

    2005-08-01

    To review the demographics and workload characteristics of pediatric neurology in Canada. A standardized survey questionnaire was mailed out to practicing pediatric neurologists in Canada in 2001. Variables examined were age, gender, hours on call, regular hours worked per week, type of practice and projected changes in practice over next five to ten years. Results were compared to the 1994 Pediatric Neurology Manpower Survey which had used the same survey instrument. Fifty-six (70%) pediatric neurologists practicing in Canada returned the survey. As was the case in 1994, no significant differences in workload were found based on age or gender. The average age of the practicing pediatric neurologist in 2001 was 51 years compared to 45 years in 1994. The proportion of physicians over 55 years in 2001 was 35% compared to 25% in 1994. Pediatric neurology in Canada is an aging specialty needing a significant recruitment of new members

  10. An introduction to Chuna manual medicine in Korea: History, insurance coverage, education, and clinical research in Korean literature

    Directory of Open Access Journals (Sweden)

    Tae-Yong Park

    2014-06-01

    Full Text Available The objectives of this study were to summarize the curriculum, history, and clinical researches of Chuna in Korea and to ultimately introduce Chuna to Western medicine. Information about the history and insurance coverage of Chuna was collected from Chuna-related institutions and papers. Data on Chuna education in all 12 Korean medicine (KM colleges in Korea were reconstructed based on previously published papers. All available randomized controlled trials (RCTs of Chuna in clinical research were searched using seven Korean databases and six KM journals. As a result, during the modern Chuna era, one of the three periods of Chuna, which also include the traditional Chuna era and the suppressed Chuna era, Chuna developed considerably because of a solid Korean academic system, partial insurance coverage, and the establishment of a Chuna association in Korea. All of the KM colleges offered courses on Chuna-related subjects (CRSs; however, the total number of hours dedicated to lectures on CRSs was insufficient to master Chuna completely. Overall, 17 RCTs were reviewed. Of the 14 RCTs of Chuna in musculoskeletal diseases, six reported Chuna was more effective than a control condition, and another six RCTs proposed Chuna had the same effect as a control condition. One of these 14 RCTs made the comparison impossible because of unreported statistical difference; the last RCT reported Chuna was less effective than a control condition. In addition, three RCTs of Chuna in neurological diseases reported Chuna was superior to a control condition. In conclusion, Chuna was not included in the regular curriculum in KM colleges until the modern Chuna era; Chuna became more popular as the result of it being covered by Korean insurance carriers and after the establishment of a Chuna association. Meanwhile, the currently available evidence is insufficient to characterize the effectiveness of Chuna in musculoskeletal and neurological diseases.

  11. An introduction to Chuna manual medicine in Korea: History, insurance coverage, education, and clinical research in Korean literature.

    Science.gov (United States)

    Park, Tae-Yong; Moon, Tae-Woong; Cho, Dong-Chan; Lee, Jung-Han; Ko, Youn-Seok; Hwang, Eui-Hyung; Heo, Kwang-Ho; Choi, Tae-Young; Shin, Byung-Cheul

    2014-06-01

    The objectives of this study were to summarize the curriculum, history, and clinical researches of Chuna in Korea and to ultimately introduce Chuna to Western medicine. Information about the history and insurance coverage of Chuna was collected from Chuna-related institutions and papers. Data on Chuna education in all 12 Korean medicine (KM) colleges in Korea were reconstructed based on previously published papers. All available randomized controlled trials (RCTs) of Chuna in clinical research were searched using seven Korean databases and six KM journals. As a result, during the modern Chuna era, one of the three periods of Chuna, which also include the traditional Chuna era and the suppressed Chuna era, Chuna developed considerably because of a solid Korean academic system, partial insurance coverage, and the establishment of a Chuna association in Korea. All of the KM colleges offered courses on Chuna-related subjects (CRSs); however, the total number of hours dedicated to lectures on CRSs was insufficient to master Chuna completely. Overall, 17 RCTs were reviewed. Of the 14 RCTs of Chuna in musculoskeletal diseases, six reported Chuna was more effective than a control condition, and another six RCTs proposed Chuna had the same effect as a control condition. One of these 14 RCTs made the comparison impossible because of unreported statistical difference; the last RCT reported Chuna was less effective than a control condition. In addition, three RCTs of Chuna in neurological diseases reported Chuna was superior to a control condition. In conclusion, Chuna was not included in the regular curriculum in KM colleges until the modern Chuna era; Chuna became more popular as the result of it being covered by Korean insurance carriers and after the establishment of a Chuna association. Meanwhile, the currently available evidence is insufficient to characterize the effectiveness of Chuna in musculoskeletal and neurological diseases.

  12. National income inequality and ineffective health insurance in 35 low- and middle-income countries.

    Science.gov (United States)

    Alvarez, Francisco N; El-Sayed, Abdulrahman M

    2017-05-01

    Global health policy efforts to improve health and reduce financial burden of disease in low- and middle-income countries (LMIC) has fuelled interest in expanding access to health insurance coverage to all, a movement known as Universal Health Coverage (UHC). Ineffective insurance is a measure of failure to achieve the intended outcomes of health insurance among those who nominally have insurance. This study aimed to evaluate the relation between national-level income inequality and the prevalence of ineffective insurance. We used Standardized World Income Inequality Database (SWIID) Gini coefficients for 35 LMICs and World Health Survey (WHS) data about insurance from 2002 to 2004 to fit multivariable regression models of the prevalence of ineffective insurance on national Gini coefficients, adjusting for GDP per capita. Greater inequality predicted higher prevalence of ineffective insurance. When stratifying by individual-level covariates, higher inequality was associated with greater ineffective insurance among sub-groups traditionally considered more privileged: youth, men, higher education, urban residence and the wealthiest quintile. Stratifying by World Bank country income classification, higher inequality was associated with ineffective insurance among upper-middle income countries but not low- or lower-middle income countries. We hypothesize that these associations may be due to the imprint of underlying social inequalities as countries approach decreasing marginal returns on improved health insurance by income. Our findings suggest that beyond national income, income inequality may predict differences in the quality of insurance, with implications for efforts to achieve UHC. © The Author 2016. Published by Oxford University Press in association with The London School of Hygiene and Tropical Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  13. 77 FR 22691 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Science.gov (United States)

    2012-04-17

    ... 1545-BK59 Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes... certain health insurance policies and plan sponsors of certain self-insured health plans to fund the... health insurance policies) or R. Lisa Mojiri-Azad at (202) 622-6080 (regarding self- insured health...

  14. School Insurance.

    Science.gov (United States)

    1964

    The importance of insurance in the school budget is the theme of this comprehensive bulletin on the practices and policies for Texas school districts. Also considered is the development of desirable school board policies in purchasing insurance and operating the program. Areas of discussion are: risks to be covered, amount of coverage, values,…

  15. [Manpower migrations in the Arab world: the reverse of the New Economic Order].

    Science.gov (United States)

    Halliday, F

    1985-01-01

    Population and petroleum, 2 essential factors in the development of the Arab world, are unequally distributed in the 18 Arab countries. The abstract possibility of mutually beneficial cooperation between the countries with large populations and no oil and those with oil but small populations is far from being realized; on the contrary, growing inequality and deterioration of human and productive resources can be observed in the Arab world. The apparent economic progress of the oil producing states is illusory, because it has permitted them to defer development of their own internal resources such as agriculture, industry, professional training and education in favor of greater dependence on the temporary palliative of petroleum revenues. In 1980, over 3 million Arabs had emigrated toward other Arab countries, where they were joined by approximately 1.8 million non-Arabs. 4 types of Arab migration have been important: movement from the countryside to cities within countries, movement of Arab migrants to non-Arab countries, movement from 1 Arab state to another because of political factors and especially to earn high wages in the oil producing states, and immigration of non-Arabs and especially Asians to Arab countries. 6 of the principal manpower importing countries, Saudi Arabia, Kuwait, Libya, United Arab Emirates, Bahrain, and Qatar, had total labor forces of about 5.2 million in 1985, of which only 41% were nationals. There have been 4 main consequences for the states importing manpower: 1) petroleum production is very capital intensive and creates few jobs; the jobs filled by migrants are mostly in construction and services funded by oil revenues 2) the expansion is temporary because petroleum is a nonrenewable resource; the manpower transfers will therefore not be permanent 3) the migrants represent a large proportion of the labor force and populations of the Gulf oil-producing states, and 4) the migrants are systematically excluded from the political and

  16. 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.

  17. AUTOMATION--THE THREAT AND THE PROMISE, THE ROLE OF THE COUNSELOR IN THE MANPOWER REVOLUTION.

    Science.gov (United States)

    DIEBOLD, JOHN; AND OTHERS

    THREE OF THE PRESENTATIONS AT THE ASSOCIATION'S 1963 WORKSHOP, IN ADDITION TO A FOURTH PAPER COMMISSIONED TO ROUND OUT THE DISCUSSION, WERE SELECTED FOR PUBLICATION. THEY ARE CONCERNED WITH AUTOMATION AS A FORCE INFLUENCING WORK AND MANPOWER. THE PRESENTATIONS WERE (1) "IMPLICATIONS OF CYBERNETICS," BY JOHN DIEBOLD, IN WHICH THE AUTHOR…

  18. Medical manpower and the career structure: a new approach.

    Science.gov (United States)

    Vickers, M D

    1981-06-06

    A change in the ratio of trainees to consultants is necessary: despite being the agreed policy of the profession and DHSS, existing central planning machinery has failed to bring about its implementation. There is no reason to suppose that central methods can ever achieve the desired ends without intolerable constraints on the liberty of doctors. Freedom for individual groups of consultants to negotiate local changes in manpower coupled with inducements to both them and the authorities would seem to provide a promising approach that has not yet been adequately debated for explored. In the nature of it such an idea is unlikely to be attractive to central bureaucratic organisations, whether governmental or professional.

  19. THE IMPACT OF COOPERATION BETWEEN INSURERS AND BANKS ON THE DEVELOPMENT OF THE INSURANCE SYSTEM

    OpenAIRE

    Nataliya Prikazyuk; Ganna Oliynik

    2017-01-01

    The article highlights how the cooperation of insurance companies and banks affects the insurance system. Defined the concept of bancassurance, provided a brief description of the main bancassurance models in the context of their impact on the insurance system. Defined the main benefits and risks that accompany cooperation of insurance companies and banks within different models of association. It is noted that despite the generally accepted benefits of cooperation between insurers and banks,...

  20. The spillover effects of health insurance benefit mandates on public insurance coverage: Evidence from veterans.

    Science.gov (United States)

    Li, Xiaoxue; Ye, Jinqi

    2017-09-01

    This study examines how regulations in private health insurance markets affect coverage of public insurance. We focus on mental health parity laws, which mandate private health insurance to provide equal coverage for mental and physical health services. The implementation of mental health parity laws may improve a quality dimension of private health insurance but at increased costs. We graphically develop a conceptual framework and then empirically examine whether the regulations shift individuals from private to public insurance. We exploit state-by-year variation in policy implementation in 1999-2008 and focus on a sample of veterans, who have better access to public insurance than non-veterans. Using data from the Current Population Survey, we find that the parity laws reduce employer-sponsored insurance (ESI) coverage by 2.1% points. The drop in ESI is largely offset by enrollment gains in public insurance, namely through the Veterans Affairs (VA) benefit and Medicaid/Medicare programs. Copyright © 2017 Elsevier B.V. All rights reserved.

  1. 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.

  2. Attracting students to nuclear careers: INPO educational assistance program

    International Nuclear Information System (INIS)

    Dunkle, M.

    1981-01-01

    The utility industry is responding to a manpower shortage of 2000 at nuclear plants with a concerted analysis of regional training centers and educational assistance programs through the Institute of Nuclear Power Operations (INPO). University support and cooperation are generally strong. The INPO program includes undergraduate- and graduate-level scholarships and fellowships

  3. Racial gaps in child health insurance coverage in four South American countries: the role of wealth, human capital, and other household characteristics.

    Science.gov (United States)

    Wehby, George L; Murray, Jeffrey C; McCarthy, Ann Marie; Castilla, Eduardo E

    2011-12-01

    OBJECTIVE. To evaluate the extent of racial gaps in child health insurance coverage in South America and study the contribution of wealth, human capital, and other household characteristics to accounting for racial disparities in insurance coverage. DATA SOURCES/STUDY SETTING. Primary data collected between 2005 and 2006 in 30 pediatric practices in Argentina, Brazil, Ecuador, and Chile. DESIGN. Country-specific regression models are used to assess differences in insurance coverage by race. A decomposition model is used to quantify the extent to which wealth, human capital, and other household characteristics account for racial disparities in insurance coverage. DATA COLLECTION/EXTRACTION METHODS. In-person interviews were conducted with the mothers of 2,365 children. PRINCIPAL FINDINGS. The majority of children have no insurance coverage except in Chile. Large racial disparities in insurance coverage are observed. Household wealth is the single most important household-level factor accounting for racial disparities in coverage and is significantly and positively associated with coverage, followed by maternal education and employment/occupational status. Geographic differences account for the largest part of racial disparities in insurance coverage in Argentina and Ecuador. CONCLUSIONS. Increasing the coverage of children in less affluent families is important for reducing racial gaps in health insurance coverage in the study countries. © Health Research and Educational Trust.

  4. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    Dow, J.C.

    1989-01-01

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

  5. Forecasting Fire Insurance Loss Ratio in Misr Insurance Company

    Directory of Open Access Journals (Sweden)

    Tarek TAHA

    2017-06-01

    Full Text Available Loss ratio is one of the most important indicator that has many strategic decisions applications, such as pricing, underwriting, investment, reinsurance and reserving decisions. It serves as an early warning of financial solvency of insurance companies and it can be judged on the strength of the financial position of these companies. The aim of this study is to identify the reliable time series-forecasting model to forecast loss ratio estimates of fire segment in Misr insurance company. Box-Jenkins Analysis is applied on actual reported loss ratios data for Misr insurance company for the period 1980/1981– 2013/2014. The study concludes that the best forecasting model is ARMA(1,1.

  6. 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.

  7. Designing Insurance to Promote Use of Childhood Obesity Prevention Services

    Directory of Open Access Journals (Sweden)

    Kimberly J. Rask

    2013-01-01

    Full Text Available Childhood obesity is a recognized public health crisis. This paper reviews the lessons learned from a voluntary initiative to expand insurance coverage for childhood obesity prevention and treatment services in the United States. In-depth telephone interviews were conducted with key informants from 16 participating health plans and employers in 2010-11. Key informants reported difficulty ensuring that both providers and families were aware of the available services. Participating health plans and employers are beginning new tactics including removing enrollment requirements, piloting enhanced outreach to selected physician practices, and educating providers on effective care coordination and use of obesity-specific billing codes through professional organizations. The voluntary initiative successfully increased private health insurance coverage for obesity services, but the interviews described variability in implementation with both best practices and barriers identified. Increasing utilization of obesity-related health services in the long term will require both family- and provider-focused interventions in partnership with improved health insurance coverage.

  8. Nursing Manpower Licensed in Kentucky, 1979-1981. Kentucky Nursing Education Project.

    Science.gov (United States)

    Kentucky State Council on Higher Education, Frankfort.

    Data on nurses licensed in Kentucky for 1979-1981 are presented, as part of the Kentucky Nursing Education Project. Information is provided on: licensure status, home state/district/county, employment status, employment state/district/county, field of employment in nursing, position, highest educational level attained, age, sex, marital status,…

  9. Simulation Of Premi Calculation Claims Insurance Base On Web; Case Study PT. Sinarmas Insurance Padang

    OpenAIRE

    Rohendi, Keukeu; Putra, Ilham Eka

    2016-01-01

    Sinarmas currently has several insurance services featured. To perform its function as a good insurance company is need for reform in terms of services in the process of calculating insurance premiums of insurance carried by marketing to use a calculator which interferes with the activities of marketing activities, slow printing insurance policies, automobile claims process that requires the customer to come to the office ASM, slow printing of Work Order (SPK) and the difficulty recap custome...

  10. Implementing Automotive Telematics for Fleet Insurance

    Directory of Open Access Journals (Sweden)

    Marika Azzopardi

    2013-12-01

    Full Text Available The advantages of Usage-Based Insurance for automotive covers over conventional rating methods have been discussed in literature for over four decades. Notwithstanding their adoption in insurance markets has been slow. This paper seeks to establish the viability of introducing fleet Telematics-Based Insurance by investigating the perceptions of insurance operators, tracking service providers and corporate fleet owners. At its core, the study involves a SWOT-analysis to appraise Telematics-Based Insurance against conventional premium rating systems. Twenty five key stakeholders in Malta, a country with an insurance industry that represents others in microcosm, were interviewed to develop our analysis. We assert that local insurers have interests in such insurance schemes as enhanced fleet management and monitoring translate into an improved insurance risk. The findings presented here have implications for all stakeholders as we argue that telematics enhance fleet management, TBI improves risk management for insurers and adoption of this technology is dependent on telematics providers increasing the perceived control by insurers over managing this technology.

  11. 77 FR 28343 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2012-05-14

    ... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than any... than any governmental entity) used for rental or lease whose vehicles are not covered by theft...

  12. Health Insurance – Affiliation to LAMal insurance for families of CERN personnel

    CERN Multimedia

    Staff Association

    2017-01-01

    On May 16, the HR department published in the CERN Bulletin an article concerning cross-border workers (“frontaliers”) and the exercise of the right of choice in health insurance: « In view of the Agreement concluded on 7 July 2016 between Switzerland and France regarding the choice of health insurance system* for persons resident in France and working in Switzerland ("frontaliers"), the Swiss authorities have indicated that those persons who have not “formally exercised their right to choose a health insurance system before 30 September 2017 risk automatically becoming members of the Swiss LAMal system” and having to “pay penalties to their insurers that may amount to several years’ worth of contributions”. Among others, this applies to spouses of members of the CERN personnel who live in France and work in Switzerland. » But the CERN Health Insurance Scheme (CHIS), provides insuranc...

  13. Forest insurance

    Science.gov (United States)

    Ellis T. Williams

    1949-01-01

    Standing timber is one of the few important kinds of property that are not generally covered by insurance. Studies made by the Forest Service and other agencies have indicated that the risks involved in the insurance of timber are not unduly great, provided they can be properly distributed. Such studies, however, have thus far failed to induce any notable development...

  14. Role of nuclear insurance in US

    International Nuclear Information System (INIS)

    Bardes, C.R.

    2000-01-01

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

  15. Program plan for US Department of Energy support for nuclear engineering education

    International Nuclear Information System (INIS)

    Perkins, L.

    1992-01-01

    This document describes the plan developed to address the growing concern for the continued deterioration of nuclear engineering education in the United States and its ability to meet the manpower demands for this Nation's work force requiring nuclear related talent in the foreseeable future

  16. 75 FR 54041 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2010-09-03

    .... Each insurer's report includes information about thefts and recoveries of motor vehicles, the rating... state and; (3) Rental and leasing companies with a fleet of 20 or more vehicles not covered by theft...) used for rental or lease whose vehicles are not covered by theft insurance policies issued by insurers...

  17. 48 CFR 28.308 - Self-insurance.

    Science.gov (United States)

    2010-10-01

    ... REQUIREMENTS BONDS AND INSURANCE Insurance 28.308 Self-insurance. (a) When it is anticipated that 50 percent or... risks, limits of coverage, assignments of safety and loss control, and legal service responsibilities... projected average loss; and (10) A disclosure of all captive insurance company and re-insurance agreements...

  18. Factors Influencing Support for National Health Insurance among Patients Attending Specialist Clinics in Malaysia

    Science.gov (United States)

    Almualm, Yasmin; Alkaff, Sharifa Ezat; Aljunid, Syed; Alsagoff, Syed Sagoff

    2013-01-01

    This study was carried out to determine the level of support towards the proposed National Health Insurance scheme among Malaysian patients attending specialist clinics at the National University of Malaysia Medical centre and its influencing factors. The cross sectional study was carried out from July-October 2012. 260 patients were selected using multistage sampling method. 71.2% of respondents supported the proposed National Health insurance scheme. 61.4% of respondents are willing to pay up to RM240 per year to join the National Health Insurance and 76.6% of respondents are of the view that enrolment in NHI should be made compulsory. Knowledge had a positive influence on respondent's support towards National Health Insurance. National Health Insurance when implemented in Malaysia can be used to raise funds for health care financing, increase access to health services and achieve the desired health status. More efforts should be taken to promote the scheme and educate the public in order to achieve higher support towards the proposed National Health Insurance. The cost to enroll in NHI as well as services to be included under the scheme should be duly considered. PMID:23985101

  19. Insurance of nuclear power stations

    International Nuclear Information System (INIS)

    Debaets, M.

    1992-01-01

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

  20. Consumer in insurance law

    Directory of Open Access Journals (Sweden)

    Čorkalo Milena

    2016-01-01

    Full Text Available The paper analyses the notion of consumer in the European Union law, and, in particular, the notion of consumer in insurance law. The author highligts the differences between the notion of consumer is in aquis communautaire and in insurance law, discussing whether the consumer can be defined in both field in the same way, concerning that insurance services differ a lot from other kind of services. Having regarded unequal position of contracting parties and information and technical disadvantages of a weaker party, author pleads for broad definition of consumer in insurance law. In Serbian law, the consumer is not defined in consistent way. That applies on Serbian insurance law as well. Therefore, the necessity of precise and broad definition of consumes is underlined, in order to delimit the circle of subject who are in need for protection. The author holds that the issue of determination of the circle of persons entitled to extended protection as consumers is of vital importance for further development of insurance market in Serbia.

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

    Science.gov (United States)

    Sane, Bhagyashree

    2011-01-01

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

  2. 75 FR 42766 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2010-07-22

    ...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of... Financial Assistance/Subsidy Arrangement (Arrangement), (90 as of June 1, 2010) private sector property... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

  3. 76 FR 45281 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2011-07-28

    ...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of... Financial Assistance/Subsidy Arrangement (Arrangement), 87 (as of July 1, 2011) private sector property... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

  4. Disposition of Insurance Allotment Payments

    National Research Council Canada - National Science Library

    Young, Shelton

    2001-01-01

    .... The request was prompted by action taken by the Florida Department of Insurance against two life insurance companies that had received large numbers of insurance allotments from Service members...

  5. 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...

  6. The need for an organized approach for Government Medical Insurance Programs in the Commonwealth of Virginia.

    Science.gov (United States)

    Edlich, Richard F

    2005-01-01

    The Commonwealth of Virginia has a disorganized approach to enrolling their retired faculty in Medicare Supplement Insurance Programs. An organized approach to establishing Medicare Supplemental Insurance for retired University faculty should include the following administrative changes to correct this potential health-care crisis for retired state faculty members. First, the ombudsman for human resources for the state universities must receive educational programs that prepare the retired faculty members over the age of 65 to select the corporate insurance policy from Anthem Blue Cross/Blue Shield Insurance Company. Included in this educational program should be a review of the Advantage 65 Member Handbook. Second, they must point out to the faculty member that they are receiving a CORPORATE insurance policy rather than an individual insurance policy from Anthem Blue Cross/Blue Shield Insurance Company. They must provide the telephone numbers of the Anthem Blue Cross/Blue Shield offices in Roanoke, Virginia. Concomitantly, they must send the name and address of the faculty member to the Commonwealth of Virginia Department of Human Resource Management. They should inform the faculty member that the Commonwealth of Virginia Department of Human Resource Management will be sending them newsletters that outline any changes in the corporate insurance policy that they coordinate with the Anthem Blue Cross/Blue Shield Insurance Company. The Commonwealth of Virginia Department of Human Resource Management must take on some new responsibilities in their efforts to coordinate health-care coverage of the retired faculty over the age of 65. First, they must have a computer registry of all corporate health-care policies of the individual faculty members to ensure that newsletters are being sent to them. Ideally, this agency should have a computerized system that allows it to send out its newsletter update by email to those retired faculty members who have computers. They should

  7. Analysis of the Romanian Insurance Market Based on Ensuring and Exercising Consumers` Right to Claim

    Directory of Open Access Journals (Sweden)

    Dan Armeanu

    2014-05-01

    Full Text Available In the financial market of insurance, consumer protection represents an important component contributing to the stability, discipline and efficiency of the market. In this respect, the activity of educating and informing insurance consumers on ensuring and exercising their right to claim plays a leading role in the mechanism of consumer protection. This study aims to improve the decision-making capacity of the financial services consumers from the Romanian insurance market through better information on ensuring and exercising their right to claim under the legislation. Thus, by applying three data analysis techniques – principal components analysis, cluster analysis and discriminant analysis – to the data regarding the petitions that were registered by the 41 insurance companies which operated in the Romanian market in 2012, a classification that assesses the insurance market transparency is achieved, resulting in a better information for consumers and, hence, the improvement of their protection through reducing the level of transactions that are harmful to consumers

  8. 75 FR 30106 - Terrorism Risk Insurance Program; Recordkeeping Requirements for Insurers Compensated Under the...

    Science.gov (United States)

    2010-05-28

    ... DEPARTMENT OF THE TREASURY Terrorism Risk Insurance Program; Recordkeeping Requirements for... Budget. The Terrorism Risk Insurance Program Office within the Department of the Treasury is soliciting... original and two copies) to: Terrorism Risk Insurance Program, Public Comment Record, Suite 2100...

  9. Disability Income Insurance

    OpenAIRE

    Hayhoe, Celia Ray; Smith, Mike, CPF

    2009-01-01

    The purpose of disability income insurance is to partially replace your income if you are unable to work because of sickness or an accident. This guide reviews the types of disability insurance, important terms and concepts and employer provided benefits.

  10. Terrorism Risk Insurance: An Overview

    National Research Council Canada - National Science Library

    Webel, Baird

    2005-01-01

    .... Addressing this problem, Congress enacted the Terrorism Risk Insurance Act of 2002 (TRIA) to create a temporary program to share future insured terrorism losses with the property-casualty insurance industry and policyholders...

  11. Optimal social insurance with linear income taxation

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Sørensen, Peter Birch

    2009-01-01

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

  12. British Coal Compass project summary: colliery based manpower, personnel, scheduling and safety systems and processes

    Energy Technology Data Exchange (ETDEWEB)

    Long, V. [Oasis Group plc (United Kingdom)

    1995-12-01

    In early 1991 British Coal reviewed its existing personnel and manpower planning systems and concluded they were inadequate for the future needs of the business. British Coal`s strategy to continue to improve productivity required payroll and personnel related systems which could support new flexible working hours and variable shifts. This strategy would enable machine running time to be increased, leading to improved productivity levels. The Corporation chose to install a distributed, integrated computer system, code named `Compass` to devolve many of the responsibilities for the management and payment of the industrial workforce from Corporate headquarters` functions to all its collieries. The system consists of eight main software systems: an on-line, real-time time and attendance system; a ristering system; a colliery personnel system; a strategic manpower planning system; a local data capture system; a central, core payroll system; a corporate personnel database; and a fail-safe, resilience system. The article describes the technology used and discusses the benefits of the system which started operations in autumn 1993. 3 figs.

  13. Imperfect Tests and Natural Insurance Monopolies

    OpenAIRE

    Emons, Winand

    1997-01-01

    This paper considers a housing insurance market in which buildings have different damage probabilities. Insurers use imperfect tests to find out about buildings’ damage types. The insurance market is a natural monopoly. If more than one insurer is active, high risk house owners continue to apply to insurers until they are eventually assigned to a low-risk class. First we show that the natural insurance monopoly need not be sustainable. Then we show that in the equilibrium industry structure t...

  14. Has the Rajiv Aarogyasri Community Health Insurance Scheme of Andhra Pradesh Addressed the Educational Divide in Accessing Health Care?

    Directory of Open Access Journals (Sweden)

    Mala Rao

    Full Text Available Equity of access to healthcare remains a major challenge with families continuing to face financial and non-financial barriers to services. Lack of education has been shown to be a key risk factor for 'catastrophic' health expenditure (CHE, in many countries including India. Consequently, ways to address the education divide need to be explored. We aimed to assess whether the innovative state-funded Rajiv Aarogyasri Community Health Insurance Scheme of Andhra Pradesh state launched in 2007, has achieved equity of access to hospital inpatient care among households with varying levels of education.We used the National Sample Survey Organization 2004 survey as our baseline and the same survey design to collect post-intervention data from 8623 households in the state in 2012. Two outcomes, hospitalisation and CHE for inpatient care, were estimated using education as a measure of socio-economic status and transforming levels of education into ridit scores. We derived relative indices of inequality by regressing the outcome measures on education, transformed as a ridit score, using logistic regression models with appropriate weights and accounting for the complex survey design.Between 2004 and 2012, there was a 39% reduction in the likelihood of the most educated person being hospitalised compared to the least educated, with reductions observed in all households as well as those that had used the Aarogyasri. For CHE the inequality disappeared in 2012 in both groups. Sub-group analyses by economic status, social groups and rural-urban residence showed a decrease in relative indices of inequality in most groups. Nevertheless, inequalities in hospitalisation and CHE persisted across most groups.During the time of the Aarogyasri scheme implementation inequalities in access to hospital care were substantially reduced but not eliminated across the education divide. Universal access to education and schemes such as Aarogyasri have the synergistic potential

  15. 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...

  16. Competitive Cyber-Insurance and Internet Security

    Science.gov (United States)

    Shetty, Nikhil; Schwartz, Galina; Felegyhazi, Mark; Walrand, Jean

    This paper investigates how competitive cyber-insurers affect network security and welfare of the networked society. In our model, a user's probability to incur damage (from being attacked) depends on both his security and the network security, with the latter taken by individual users as given. First, we consider cyberinsurers who cannot observe (and thus, affect) individual user security. This asymmetric information causes moral hazard. Then, for most parameters, no equilibrium exists: the insurance market is missing. Even if an equilibrium exists, the insurance contract covers only a minor fraction of the damage; network security worsens relative to the no-insurance equilibrium. Second, we consider insurers with perfect information about their users' security. Here, user security is perfectly enforceable (zero cost); each insurance contract stipulates the required user security. The unique equilibrium contract covers the entire user damage. Still, for most parameters, network security worsens relative to the no-insurance equilibrium. Although cyber-insurance improves user welfare, in general, competitive cyber-insurers fail to improve network security.

  17. A utility theory approach for insurance pricing

    Directory of Open Access Journals (Sweden)

    Mohsen Gharakhani

    2015-11-01

    Full Text Available Providing insurance contract with “deductible” is beneficial for both insurer and insured. In this paper, we provide a utility modeling approach to handle insurance pricing and evaluate the tradeoff between discount benefit and deductible level. We analyze four different pricing problems of no insurance, full insurance coverage, insurance with β% deductible and insurance with D-dollar deductible based on a given utility function. A numerical example is also used to illustrate some interesting results.

  18. 75 FR 15777 - Common Crop Insurance Regulations, Basic Provisions; and Various Crop Insurance Provisions

    Science.gov (United States)

    2010-03-30

    ... (protection for production losses only) within one Basic Provisions and the applicable Crop Provisions to..., Macadamia Nut Crop Insurance Provisions, Onion Crop Insurance Provisions, Dry Pea Crop Insurance Provisions... (protection for production losses only) and revenue protection (protection against loss of revenue caused by...

  19. 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)

  20. [Training and use of dental manpower resources in Mexico].

    Science.gov (United States)

    Hermosillo, G G; López Cámara, V; Alvarez Manilla, J M; García Cantú, M; Silva Olivares, H

    1978-01-01

    The introductory section describes the general situation of dental care in Mexico, analyzes the prevailing service model (including the kind of work done by the dental professional and the technology he employs), and briefly reviews the evolution of dentistry in the country. There follows an account of a series of new approaches to service and manpower training in experimental implementation since 1972 in the stomatology curriculum at the Xochimilco campus of the Metropolitan Autonomous University, at the National School of Professional Studies at Zaragoza, in the School of Dentistry of Nuevo León Autonomous University, Monterrey, and in the Dental Services at Ciudad Netzahualcóyotl. In each case, the background, characteristics, and objectives of the programs, and their evolution and prospects are described.

  1. Stereotyping of medical disability claimants' communication behaviour by physicians: towards more focused education for social insurance physicians.

    Science.gov (United States)

    van Rijssen, H J; Schellart, A J M; Berkhof, M; Anema, J R; van der Beek, Aj

    2010-11-03

    Physicians who hold medical disability assessment interviews (social insurance physicians) are probably influenced by stereotypes of claimants, especially because they have limited time available and they have to make complicated decisions. Because little is known about the influences of stereotyping on assessment interviews, the objectives of this paper were to qualitatively investigate: (1) the content of stereotypes used to classify claimants with regard to the way in which they communicate; (2) the origins of such stereotypes; (3) the advantages and disadvantages of stereotyping in assessment interviews; and (4) how social insurance physicians minimise the undesirable influences of negative stereotyping. Data were collected during three focus group meetings with social insurance physicians who hold medical disability assessment interviews with sick-listed employees (i.e. claimants). The participants also completed a questionnaire about demographic characteristics. The data were qualitatively analysed in Atlas.ti in four steps, according to the grounded theory and the principle of constant comparison. A total of 22 social insurance physicians participated. Based on their responses, a claimant's communication was classified with regard to the degree of respect and acceptance in the physician-claimant relationship, and the degree of dominance. Most of the social insurance physicians reported that they classify claimants in general groups, and use these classifications to adapt their own communication behaviour. Moreover, the social insurance physicians revealed that their stereotypes originate from information in the claimants' files and first impressions. The main advantages of stereotyping were that this provides a framework for the assessment interview, it can save time, and it is interesting to check whether the stereotype is correct. Disadvantages of stereotyping were that the stereotypes often prove incorrect, they do not give the complete picture, and the

  2. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Science.gov (United States)

    2010-04-01

    ... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance... insurance companies and mutual fire insurance companies exclusively issuing either perpetual policies, or...

  3. Competition between health maintenance organizations and nonintegrated health insurance companies in health insurance markets.

    Science.gov (United States)

    Baranes, Edmond; Bardey, David

    2015-12-01

    This article examines a model of competition between two types of health insurer: Health Maintenance Organizations (HMOs) and nonintegrated insurers. HMOs vertically integrate health care providers and pay them at a competitive price, while nonintegrated health insurers work as indemnity plans and pay the health care providers freely chosen by policyholders at a wholesale price. Such difference is referred to as an input price effect which, at first glance, favors HMOs. Moreover, we assume that policyholders place a positive value on the provider diversity supplied by their health insurance plan and that this value increases with the probability of disease. Due to the restricted choice of health care providers in HMOs a risk segmentation occurs: policyholders who choose nonintegrated health insurers are characterized by higher risk, which also tends to favor HMOs. Our equilibrium analysis reveals that the equilibrium allocation only depends on the number of HMOs in the case of exclusivity contracts between HMOs and providers. Surprisingly, our model shows that the interplay between risk segmentation and input price effects may generate ambiguous results. More precisely, we reveal that vertical integration in health insurance markets may decrease health insurers' premiums.

  4. Socio economic determinants of health insurance in India: the case of Hyderabad city

    Directory of Open Access Journals (Sweden)

    J. Yellaiah

    2012-09-01

    Full Text Available Health has been declared as a fundamental human right in India and several other countries. Theoretical works as well as empirical evidences clearly show the positive linkage between good health and economic development. The policy concern in developing countries including India is not only to reach the entire population with adequate healthcare services, but also to secure an acceptable level of health for all the people through the application of primary healthcare programs. Health insurance is one of the most important aspects of health care management system. This paper identifies the socio economic determinants of demand for health insurance in India taking Hyderabad as the case. For this purpose, a sample survey has been conducted taking 200 sample units in Hyderabad city. The logistic model has been used to identify the determinants of health insurance. We conclude that the main determinants of demand for health insurance in Hyderabad are the occupation, income, health expenditure and awareness. The other variables such as the age and education are positively associated with demand for health insurance but are not statistically significant. In view of these findings, some policy suggestions are made.

  5. 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

  6. 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.

  7. Evaluating the Welfare of Index Insurance

    DEFF Research Database (Denmark)

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

    affects both the demand for the product and the welfare of individuals making take-up decisions. We study the impact of basis risk on insurance take-up and on expected welfare in a laboratory experiment with an insurance frame. We measure the expected welfare of index insurance to individuals while......Index insurance was conceived to be a product that would simplify the claim settlement process and make it more objective, reducing transaction costs and moral hazard. However, index insurance also exposes the insured to basis risk, which arises because there can be a mismatch between the index...... risks that are different from preferences exhibited for their actuarially-equivalent counterparts. We study the potential link between index insurance demand and attitudes towards compound risks. We test the hypothesis that the compound risk nature of index insurance induced by basis risk negatively...

  8. The insurance of climatic risks

    International Nuclear Information System (INIS)

    Pauthier, Alice

    2015-06-01

    The United Nations Environment Programme assesses that the cost of adaptation to climate change could reach 150 billions dollars per year by 2025-2030 and 500 billions dollars by 2050. This raises the issues of financing of adaptation measures, and of compensations in case of natural disaster, and insurance companies here seem to have a major role to play. However, the modification of the climatic risk puts the viability of conventional insurance mechanisms into question again. While discussing these issues, the author outlines that a sustainable insurance against these evolving risks may threaten insurance companies to go to bankrupt, but also all their policyholders who are, for most of them, unable to cope by themselves with the consequences of an extreme climatic event. The author also discusses related aspects such as risk modelling, risk mutualization, a securing of insurance companies based on the financial market, the implementation of public-private partnership, and ways to insure climate anomalies. She also comments the commitment of the insurance sector in adaptation and mitigation policies

  9. Continual Education is the Motivation of Sustainable Development of a Telecom Enterprise

    Institute of Scientific and Technical Information of China (English)

    2003-01-01

    The continuous investment into manpower resource, is the radical power to assure the sustainable development of enterprises. The enterprises both at home and abroad attach high importance to the continuous education of their employees and consolidate training to inspire their employees. In order to face increasingly drastic global competition, the telecom enterprises in our country should consolidate continuous education, make training plans to adapt to the long-term development of the enterprises and establish the effective mechanism of encouragement of continuous education.

  10. Aggravation of Risk and Precautionary Measures in Non-Life Insurance: A Tricky Scope for the Insurer?

    Directory of Open Access Journals (Sweden)

    Olavi-Jüri Luik

    2015-12-01

    Full Text Available Aggravation of risk and failure to take precautionary measures are focal issues in non-life insurance in terms of potential partial or full release of the insurer from the duty to perform. Not infrequently, it is difficult to draw a line between the aggravation of risk on the one hand, and non-compliance with precautionary measures on the other, since a particular action by a policyholder may present both situations. At the same time, the legal remedies available to the insurer regarding these two situations are different in scope. The aggravation of risk and non-compliance with precautionary measures are precisely the bases on which insurers actually reduce indemnity or refuse to compensate for damages. This article explores the differences between insurance laws in the Baltic states—specifically, the Estonian Law of Obligations Act, the Latvian Insurance Contract Law and Lithuanian rules contained in the Civil Code and Insurance Law. The article explores the differences between the Baltic states’ insurance laws and the Principles of European Insurance Contract Law (PEICL with regard to a policyholder’s duty in relation to aggravation of risk and precautionary measures, as the rights and obligations of policyholders do change where the optional instrument is applied. The article also includes comparisons to German, Finnish and Russian insurance law.

  11. Nuclear power plants and their insurances

    International Nuclear Information System (INIS)

    Schludi, H.N.

    1984-01-01

    From the commencement of building to the time of decommissioning of nuclear power plants, the insurances provide continuous coverage, i.e. for construction, nuclear liability, nuclear energy hazards insurance, fire insurance, machinery insurance. The respective financial security is quantified. (DG) [de

  12. Nuclear insurance

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

    The German Nuclear Power Plant Insurance (DKVG) Association was able to increase its net capacity in property insurance to 637 million marks in 1993 (1992: 589 million). The reinsurance capacity of the other pools included, the total amount covered now amounts to 2 billion marks in property incurance and 200 million marks in liability incurance. As in the year before the pool can reckon with a stable gross premium yield around 175 million marks. The revival of the US dollar has played a decisive role in this development. In 1993 in the domestic market, the DKVG offered policies for 22 types of property risk and 43 types to third-party risk, operating with a gross target premium of 65 million marks and 16 million marks, respectively. The DKVG also participated in 540 foreign insurance contracts. (orig./HSCH) [de

  13. Growth and Development of Distance Education in India and China: A Study on Policy Perspectives

    Science.gov (United States)

    Gaba, Ashok K.; Li, Wei

    2015-01-01

    India and China are two fast growing economies of the world and need large skill based manpower to sustain the economic growth. The existing formal higher educational system in these countries will not be able to meet the demand of the economy. The paper will try (i) to compare the development of economy and distance education in India and China…

  14. Willingness to pay for cattle and buffalo insurance: an analysis of dairy farmers in central India.

    Science.gov (United States)

    Khan, Mohd Ameer; Chander, Mahesh; Bardhan, Dwaipayan

    2013-02-01

    In India, insurance market especially in agricultural sector is usually underdeveloped. The idea of livestock insurance emerged in India before three decades, yet, it has not operated in a significant way till date. It is well noted that livestock insurance scheme is the relevant strategy in managing different risks related to livestock farming but very little attention has been paid to address the livestock insurance needs of the dairy farmers. This study, therefore, addresses the basic question that how many people and to what extent they are willing to pay for livestock insurance and determine the main factors which influence insurance participation of dairy farmers. The data was collected from Gorakhpur district of Uttar Pradesh in India with a sample survey of 120 cattle and buffalo farmers. For eliciting willingness to pay, a contingent valuation scenario was presented to dairy animal owners in the group of five to six. A logit discrete binary regression model was used to know the factors influencing adoption of livestock insurance. The results suggest that most of the farmers were willing to participate in cattle and buffalo insurance. The amount of premium varies across different breeds of dairy animals. The low level of education of many dairy farmers have negatively influenced the decision to purchase livestock insurance. Farmers having more experience in rearing dairy animals are more likely to be willing to pay for cattle and buffalo insurance.

  15. Ialamic finance education at graduate level: Current position and challenges

    OpenAIRE

    Hasan, Zubair

    2008-01-01

    Over the past few decades Islamic finance has been the fastest growing segment of the global system. The fast growing market has necessitated corresponding expansion of education and training facilities to increase appropriately the supply of skilled manpower. This called for a stock taking of the adequacy and suitability of the existing educational and training facilities in several directions. IRTI has launched a project to accomplish this work. The present working paper looks at the range,...

  16. Islamic finance education at graduate level: Current position and challenges

    OpenAIRE

    Hasan, Zubair

    2008-01-01

    Over the past few decades Islamic finance has been the fastest growing segment of the global system. The fast growing market has necessitated corresponding expansion of education and training facilities to increase appropriately the supply of skilled manpower. This called for a stock taking of the adequacy and suitability of the existing educational and training facilities in several directions. IRTI has launched a project to accomplish this work. The present working paper looks at the range,...

  17. 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 “...

  18. The Effects of Health Shocks on Employment and Health Insurance: The Role of Employer-Provided Health Insurance

    Science.gov (United States)

    Bradley, Cathy J.; Neumark, David; Motika, Meryl

    2012-01-01

    Background Employment-contingent health insurance (ECHI) has been criticized for tying insurance to continued employment. Our research sheds light on two central issues regarding employment-contingent health insurance: whether such insurance “locks” people who experience a health shock into remaining at work; and whether it puts people at risk for insurance loss upon the onset of illness, because health shocks pose challenges to continued employment. Objective To determine how men’s dependence on their own employer for health insurance affects labor supply responses and health insurance coverage following a health shock. Data Sources We use the Health and Retirement Study (HRS) surveys from 1996 through 2008 to observe employment and health insurance status at interviews two years apart, and whether a health shock occurred in the intervening period between the interviews. Study Selection All employed married men with health insurance either through their own employer or their spouse’s employer, interviewed in at least two consecutive HRS waves with non-missing data on employment, insurance, health, demographic, and other variables, and under age 64 at the second interview. We limited the sample to men who were initially healthy. Data Extraction Our analytical sample consisted of 1,582 men of whom 1,379 had ECHI at the first interview, while 203 were covered by their spouse’s employer. Hospitalization affected 209 men with ECHI and 36 men with spouse insurance. A new disease diagnosis was reported by 103 men with ECHI and 22 men with other insurance. There were 171 men with ECHI and 25 men with spouse employer insurance who had a self-reported health decline. Data Synthesis Labor supply response differences associated with ECHI – with men with health shocks and ECHI more likely to continue working – appear to be driven by specific types of health shocks associated with future higher health care costs but not with immediate increases in morbidity that

  19. 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.

  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. METHODICAL BASES OF MANAGEMENT OF INSURANCE PORTFOLIO

    Directory of Open Access Journals (Sweden)

    Serdechna Yulia

    2018-01-01

    Full Text Available Introduction. Despite the considerable arsenal of developments in the issues of assessing the management of the insurance portfolio remains unresolved. In order to detail, specify and further systematize the indicators for the indicated evaluation, the publications of scientists are analyzed. The purpose of the study is to analyze existing methods by which it is possible to formulate and manage the insurance portfolio in order to achieve its balance, which will contribute to ensuring the financial reliability of the insurance company. Results. The description of the essence of the concept of “management of insurance portfolio”, as the application of actuarial methods and techniques to the combination of various insurance risks offered for insurance or are already part of the insurance portfolio, allowing to adjust the size and structure of the portfolio in order to ensure its financial stability, achievement the maximum level of income of an insurance organization, preservation of the value of its equity and financial security of insurance liabilities. It is determined that the main methods by which the insurer’s insurance portfolio can be formed and managed is the selection of risks; reinsurance operations that ensure diversification of risks; formation and placement of insurance reserves, which form the financial basis of insurance activities. The method of managing an insurance portfolio, which can be both active and passive, is considered. Conclusions. It is determined that the insurance portfolio is the basis on which all the activities of the insurer are based and which determines its financial stability. The combination of methods and technologies applied to the insurance portfolio is a management method that can be both active and passive and has a number of specific methods through which the insurer’s insurance portfolio can be formed and managed. It is substantiated that each insurance company aims to form an efficient and

  2. Unemployment Insurance Query (UIQ)

    Data.gov (United States)

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

  3. An investigation into onshore captive insurance companies

    Directory of Open Access Journals (Sweden)

    ME Le Roux

    2015-01-01

    Full Text Available Insurance provided by captive insurers is one of various forms of risk financing.  The nature and main types of captive insurance companies are discussed.  This is followed by the results of an empirical study that focused on South African onshore captive insurance companies.  The objectives in establishing and operating a captive insurer, the factors which determine the decision of the parent company to establish and operate a captive insurer and the future and usefulness of insurance provided by captive insurers are some of the aspects that are addressed.

  4. Suggestion of Islamic Insurance Company Model

    OpenAIRE

    Abdullah Ibrahim Nazal

    2015-01-01

    This study is one of very few studies which have investigated Islamic Insurance Companies as solution. It explained its operations also comparing with Traditional Insurance Companies and theoretical Islamic insurance models. As result to this study Islamic Insurance companies are profit organization. It helps Islamic banks but it costs customer to face expect risk. Islamic Insurance companies have many ways to get profits and consider all customers installments grants. Its operation gap comes...

  5. Department of Defense Manpower Requirements Report, FY 1985. Volume III. Force Readiness Report.

    Science.gov (United States)

    1984-02-01

    normally on a reimburs - able basis unless they support the mission of DoD. The Army Reserve increase in FY 1985 is a result of increased support of...Normally, such cross assignment is made on a reimbursable basis. Navy Federal Agency Support Manpower (End Strength in Thousands) FY 83 FY 84 FY 85 (Actual... reimburses the Air Force Industrial Funds for depot maintenance costs with the exception of military personnel costs. For items procured from the Stock

  6. 24 CFR 266.612 - Insurance endorsement.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 266.612... Rights and Obligations Insurance Endorsement § 266.612 Insurance endorsement. (a) Initial endorsement. The Commissioner shall indicate his or her insurance of the mortgage by endorsing the original credit...

  7. 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.

  8. 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.

  9. Indian experience in the training of manpower for a nuclear power programme

    International Nuclear Information System (INIS)

    Iyengar, P.K.; Damodaran, K.K.; Sarma, M.S.R.; Wagadarikar, V.K.

    1977-01-01

    In India manpower training for the nuclear power programme started several years before the introduction of nuclear power plants. Early efforts were concentrated on developing manpower in basic sciences related to nuclear power. The setting up of the Bhabha Atomic Research Centre was an important step in this direction. This enabled the first batch of engineers and scientists to be trained on design and operation in the programmes connected with research reactors and use of isotopes in industry, agriculture and medicine. The next step was to establish a Training School in the Centre where young university graduates could be given courses in their own and interconnected disciplines of nuclear sciences. An interdisciplinary approach with teaching by working scientists and engineers and attachment for short periods to the research laboratories is the framework of this training programme. At present about 3000 graduates from this Training School are involved in various capacities in India's nuclear power programme. With the commissioning of the first power reactors, it became necessary to train engineers, scientists and technicians for the operation and maintenance of such systems on a larger scale. For this purpose, a separate training centre at Rajasthan Atomic Power Project was set up. Models, simulators and courses with emphasis on heavy water reactors were introduced. In addition, a number of craftsmen for servicing equipment have also been trained in power station equipment maintenance. The paper describes the development of this programme in its present form. (author)

  10. 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.

  11. Health Insurance: Understanding Your Health Plan's Rules

    Science.gov (United States)

    ... to know what your insurance company is paying…Health Insurance: Understanding What It CoversRead Article >>Insurance & BillsHealth Insurance: Understanding What It CoversYour insurance policy lists a package of medical benefits such as tests, drugs, and treatment services. These ...

  12. 7 CFR 3560.105 - Insurance and taxes.

    Science.gov (United States)

    2010-01-01

    ...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the coverage amount. (v) Sinkhole Insurance or Mine Subsidence Insurance. The deductible for sinkhole.... (10) Deductible amounts (excluding flood, windstorm, earthquake and sinkhole insurance or mine...

  13. Legal and economic aspects of contracts of insurance of crops and yields against drought

    Directory of Open Access Journals (Sweden)

    Veselinović Janko P.

    2016-01-01

    Full Text Available The contract of insurance of crops and yields against drought is based on the risk of decrease of precipitation in comparison with an earlier relevant period. The authors analysed the specificities of the case of draught risk, but also other regulations characteristic of this contractual relationship, both from the economic and the legal point of view. The paper also treats the position of contractual parties in this contractual relationship, partly arising from the monopolising position of the insuring organisation. That part also analyses the contract freedom that is endangered due to unequal positions of contractual parties. Special attention is paid to legal sources, especially the general and special conditions of insurance organisations, seeing as they are the main source of law, as there is a lack of legal regulation of this field. The number of Serbian insurance organisations that offer this type of insurance is extremely low, as well as the percentage of insurance against this risk. The authors analyse the reasons for which this type of insurance is underdeveloped in Serbia, as well as the consequences of such a state to a safe agricultural production. The paper also covers the topic of the role of legislators and the state in general, in terms of regulation of certain elements of this contractual relation, but also in terms of state incentives that would contribute to a higher percentage of insured agricultural areas. This would reduce the uncertainty and the damage suffered by agricultural producers due to increasing weather fluctuations. Taking into account the inadequate legal and economic tradition, education in this field would represent a significant contribution to the development of this kind of insurance. The authors analyse the difference between the contracts of insurance of crops and yields against drought and the weather derivative contracts, which can be traded on the stock market.

  14. 77 FR 29362 - Kohler Company, Malvern Division, Including On-Site Leased Workers From Manpower Staffing and Dow...

    Science.gov (United States)

    2012-05-17

    ... Division, Including On-Site Leased Workers From Manpower Staffing and Dow Cleaning Services, Malvern, AR..., and components. The company reports that workers from Dow Cleaning Services were employed on-site at... leased from Dow Cleaning Services working on-site at the Malvern, Arkansas location of Kohler Company...

  15. 24 CFR 220.804 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

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

  16. 76 FR 77455 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Science.gov (United States)

    2011-12-13

    ... and Veterans' Group Life Insurance--Slayer's Rule Exclusion AGENCY: Department of Veterans Affairs... Veterans' Group Life Insurance--Slayer's Rule Exclusion.'' Copies of comments received will be available...) (slayer's rule ``is undoubtedly an implicit provision of the Servicemen's Group Life Insurance Act of 1965...

  17. 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.

  18. You can't buy insurance when the house is on fire. Community rating kills health insurance.

    Science.gov (United States)

    Hartnedy, J A

    1994-05-15

    Why does health insurance cost so much? According to the vice president at the insurance company that pioneered high-deductible health insurance to go with medical savings accounts, a big factor is that insurance companies are being asked to solve social problems. Mr Hartnedy offers a solution to America's healthcare-delivery plight that includes empowerment of individuals and preservation of choice.

  19. Stereotyping of medical disability claimants' communication behaviour by physicians: towards more focused education for social insurance physicians

    Directory of Open Access Journals (Sweden)

    Berkhof M

    2010-11-01

    Full Text Available Abstract Background Physicians who hold medical disability assessment interviews (social insurance physicians are probably influenced by stereotypes of claimants, especially because they have limited time available and they have to make complicated decisions. Because little is known about the influences of stereotyping on assessment interviews, the objectives of this paper were to qualitatively investigate: (1 the content of stereotypes used to classify claimants with regard to the way in which they communicate; (2 the origins of such stereotypes; (3 the advantages and disadvantages of stereotyping in assessment interviews; and (4 how social insurance physicians minimise the undesirable influences of negative stereotyping. Methods Data were collected during three focus group meetings with social insurance physicians who hold medical disability assessment interviews with sick-listed employees (i.e. claimants. The participants also completed a questionnaire about demographic characteristics. The data were qualitatively analysed in Atlas.ti in four steps, according to the grounded theory and the principle of constant comparison. Results A total of 22 social insurance physicians participated. Based on their responses, a claimant's communication was classified with regard to the degree of respect and acceptance in the physician-claimant relationship, and the degree of dominance. Most of the social insurance physicians reported that they classify claimants in general groups, and use these classifications to adapt their own communication behaviour. Moreover, the social insurance physicians revealed that their stereotypes originate from information in the claimants' files and first impressions. The main advantages of stereotyping were that this provides a framework for the assessment interview, it can save time, and it is interesting to check whether the stereotype is correct. Disadvantages of stereotyping were that the stereotypes often prove incorrect

  20. A computer based approach for Material, Manpower and Equipment managementin the Construction Projects

    Science.gov (United States)

    Sasidhar, Jaladanki; Muthu, D.; Venkatasubramanian, C.; Ramakrishnan, K.

    2017-07-01

    The success of any construction project will depend on efficient management of resources in a perfect manner to complete the project with a reasonable budget and time and the quality cannot be compromised. The efficient and timely procurement of material, deployment of adequate labor at correct time and mobilization of machinery lacking in time, all of them causes delay, lack of quality and finally affect the project cost. It is known factor that Project cost can be controlled by taking corrective actions on mobilization of resources at a right time. This research focuses on integration of management systems with the computer to generate the model which uses OOM data structure which decides to include automatic commodity code generation, automatic takeoff execution, intelligent purchase order generation, and components of design and schedule integration to overcome the problems of stock out. To overcome the problem in equipment management system inventory management module is suggested and the data set of equipment registration number, equipment number, description, date of purchase, manufacturer, equipment price, market value, life of equipment, production data of the equipment which includes equipment number, date, name of the job, hourly rate, insurance, depreciation cost of the equipment, taxes, storage cost, interest, oil, grease, and fuel consumption, etc. is analyzed and the decision support systems to overcome the problem arising out improper management is generated. The problem on labor is managed using scheduling, Strategic management of human resources. From the generated support systems tool, the resources are mobilized at a right time and help the project manager to finish project in time and thereby save the abnormal project cost and also provides the percentage that can be improved and also research focuses on determining the percentage of delays that are caused by lack of management of materials, manpower and machinery in different types of projects

  1. 77 FR 72721 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Science.gov (United States)

    2012-12-06

    ... 1545-BK59 Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes... Patient Protection and Affordable Care Act on issuers of certain health insurance policies and plan... arrangements) or Rebecca L. Baxter at (202) 622-3970 (regarding health insurance policies). SUPPLEMENTARY...

  2. 78 FR 12623 - Insurer Reporting Requirements

    Science.gov (United States)

    2013-02-25

    ... NHTSA's regulation requiring motor vehicle insurers to submit information on the number of thefts and recoveries of insured vehicles and actions taken by the insurer to deter or reduce motor vehicle theft. NHTSA..., which requires insurers to submit information about the make, model, and year of all vehicle thefts, the...

  3. [Factors Influencing Participation in Financial Incentive Programmes of Health Insurance Funds. Results of the Study 'German Health Update'].

    Science.gov (United States)

    Jordan, S; von der Lippe, E; Starker, A; Hoebel, J; Franke, A

    2015-11-01

    The statutory health insurance can offer their insured incentive programmes that will motivate for healthy behaviour through a financial or material reward. This study will show results about what factors influence financial incentive programme participation (BPT) including all sorts of statutory health insurance funds and taking into account gender differences. For the cross-sectional analysis, data were used from 15,858 participants in the study 'Germany Health Update' (GEDA) from 2009, who were insured in the statutory health insurance. The selection of potential influencing variables for a BPT is based on the "Behavioural Model for Health Service Use" of Andersen. Accordingly, various factors were included in logistic regression models, which were calculated separately by gender: predisposing factors (age, education, social support, and health awareness), enabling factors (income, statutory health insurance fund, and family physician), and need factors (smoking, fruit and vegetable consumption, sports, body mass index, and general health status). In consideration of all factors, for both sexes, BPT is associated with age, health awareness, education, use of a family physician, smoking, and sports activities. In addition, income, body mass index, and diet are significant in women and social support and kind of statutory health insurance fund in men. It is found that predisposing, enabling and need factors are relevant. Financial incentive programmes reach population groups with greatest need less than those groups who already have a health-conscious behaviour, who receive a reward for this. In longitudinal studies, further research on financial incentive programmes should investigate the existence of deadweight effects and whether incentive programmes can contribute to the reduction of the inequity in health. © Georg Thieme Verlag KG Stuttgart · New York.

  4. Insurance industry guide

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    This is an insurance industry guide for the independent power industry. The directory includes the insurance company's name, address, telephone and FAX numbers and a description of the company's area of expertise, products and services, and limitations. The directory is international in scope. Some of the companies specialize in independent power projects

  5. 46 CFR 308.300 - Insured amount-application.

    Science.gov (United States)

    2010-10-01

    ... Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE Second Seamen's War Risk Insurance § 308.300 Insured amount—application. An applicant for Second Seamen's war risk insurance shall not state the amount of insurance desired, which shall be as provided in...

  6. 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

    ... mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years... fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies...

  7. Pricing unit-linked insurance with guaranteed benefit

    Science.gov (United States)

    Iqbal, M.; Novkaniza, F.; Novita, M.

    2017-07-01

    Unit-linked insurance is an investment-linked insurance, that is, the given benefit is the premium investment out-come. Recently, the most widely marketed insurance in the industry is unit-linked insurance with guaranteed benefit. With guaranteed benefit applied, the insurance benefits form is similar to the payoff form of European call option. Thereby, pricing European call option is involved in pricing unit-linked insurance with guaranteed benefit. The dynamics of investment outcome is assumed to follow stochastic interest rate. Hence, change of measure methods is used in pricing unit-linked insurance. The discount factor with stochastic interest rate needs to be modified as well to be zero coupon bond price. Eventually, the insurance premium is calculated by equivalence principle with guaranteed benefit and insurance period explicitly given.

  8. 77 FR 47573 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

    Science.gov (United States)

    2012-08-09

    ... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 40 and 46 [REG-136008-11] RIN 1545-BK59 Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes... on issuers of certain health insurance policies and plan sponsors of certain self-insured health...

  9. 7 CFR 1427.166 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Insurance. 1427.166 Section 1427.166 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.166 Insurance. The seed cotton must be insured at the full loan value against loss or damage by fire. ...

  10. 24 CFR 207.259 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 207.259 Section... Contract of Insurance § 207.259 Insurance benefits. (a) Method of payment. Upon either an assignment of the... of mortgage. If the mortgage is assigned to the Commissioner, the insurance benefits shall be paid in...

  11. Meeting the manpower challenge in the transfer of nuclear power to developing countries

    International Nuclear Information System (INIS)

    Chewning, J.S.; Couchman, D.L.; Kaiz, G.H.

    1977-01-01

    The global needs for staffing personnel of nuclear power plants and fuel cycle facilities to 1990 indicate continued stress on the international technical manpower supply. When considering the manpower and training necessary for the execution of a country's first nuclear project, the burden imposed on the purchaser's organization needs to be clearly understood. The work load and the responsibilities that cannot be transferred to other organizations are usually underestimated. In assessing the magnitude of the workload, four important points should be emphasized: (1) The responsibility for the ultimate success or failure of the nucler project must be borne by the purchaser's organization. Contractors can assume responsibility for the performance of specific tasks but not for the entire project. (2) Even in a turnkey contract, the prime contractor normally will not assume financial responsibility for the performance of the local subcontractors. (3) Many areas of a nuclear project involving domestic bureaucracy, politics, regulations, etc., can be dealt with effectively only be nationals. (4) The most serious problems experienced in developing country projects to date have not been the type which require additional personnel with advanced academic training in nuclear science and technology, but rather (a) personnel with practical experience and training in the organizational, contractual, and administrative aspects of large projects, and (b) technicians and skilled craft labour. (author)

  12. HIAA's The Business of Insurance: An Introduction.

    Science.gov (United States)

    Rosen, Anita; Lynch, Margaret E.

    This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

  13. Directions of improving information system of insurance company

    Science.gov (United States)

    Kaigorodova, G. N.; Mustafina, A. A.; Alyakina, D. P.

    2018-05-01

    The article presents a study of the information technologies impact on the insurance industry development. At present, any business, especially business in the field of financial intermediation, can count on maintaining its positions only as a technology company. For the insurance business it is now especially important. Other segments of the financial market - the stock and credit market - are actively developing and applying IT-technologies. The insurance business at present is getting opportunities for a technological breakthrough. There is a growing demand for traditional insurance products - property insurance, motor insurance, health insurance. There is a rapidly growing demand for life insurance and insurance against cyber risks. To implement insurance protection in new conditions, the insurance company should actively use information systems. The article presents a possible variant of systematization of the insurer's business processes within the information system of the insurance company.

  14. 26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

    Science.gov (United States)

    2010-04-01

    ... life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which... other than life insurance companies and other than fire, flood, or marine insurance companies, subject...

  15. A quantitative analysis of the supply and demand of veterinary manpower in India: implications for policy decisions.

    Science.gov (United States)

    Sasidhar, P V K; Reddy, P Gopal

    2013-12-01

    The objective of this study was to estimate and forecastthe supply and demand of veterinary manpower in India. Intake numbers of veterinary students and numbers of graduates and postgraduates were collected for the period 1997 to 2007. Based on the annual growth rate, the demand and supply for the years 2015 and 2020 were predicted. Between 1997 and 2002 the average annual number of veterinary graduates was 1,675. This increased to 1,707 between 2002 and 2007, with a marginal growth rate of 1.87%. With a growth rate of 1.87% in graduates, and 4.5% growth rate in the Indian livestock sector, the number of additional graduates required to fill the gap between supply and demand for the years 2015 and 2020 would be 1,710 and 2,364, respectively. The annual postgraduate requirement for education and research and development is 310. However, between 2002 and 2007 the average annual number of veterinary postgraduates was 995, with a growth rate of 5.3% when compared with the period between 1997 and 2002, indicating a more than three-fold surplus. With a 5.3% growth rate in postgraduates and 4.5% growth rate in the livestock sector, the surplus postgraduates available by 2015 and 2020 will be 1,027 and 1,316, respectively. The study revealed that India is training fewer veterinary graduates and more postgraduates than the system requires. Therefore, it is recommended that attention and resources be directed to the expansion of professional undergraduate veterinary education, while postgraduate veterinary education should be contained and consolidated.

  16. Employment and insurance outcomes and factors associated with employment among long-term thyroid cancer survivors: a population-based study from the PROFILES registry.

    Science.gov (United States)

    Tamminga, S J; Bültmann, U; Husson, O; Kuijpens, J L P; Frings-Dresen, M H W; de Boer, A G E M

    2016-04-01

    To obtain insight into employment and insurance outcomes of thyroid cancer survivors and to examine the association between not having employment and other factors including quality of life. In this cross-sectional population-based study, long-term thyroid cancer survivors from the Netherlands participated. Clinical data were collected from the cancer registry. Information on employment, insurance, socio-demographic characteristics, long-term side effects, and quality of life was collected with questionnaires. Of the 223 cancer survivors (response rate 87 %), 71 % were employed. Of the cancer survivors who tried to obtain insurance, 6 % reported problems with obtaining health care insurance, 62 % with life insurance, and 16 % with a mortgage. In a multivariate logistic regression analysis, higher age (OR 1.07, CI 1.02-1.11), higher level of fatigue (OR 1.07, CI 1.01-1.14), and lower educational level (OR 3.22, CI 1.46-7.09) were associated with not having employment. Employment was associated with higher quality of life. Many thyroid cancer survivors face problems when obtaining a life insurance, and older, fatigued, and lower educated thyroid cancer survivors may be at risk for not having employment.

  17. Health Insurance and Health Care among the Mid-Aged and Older Chinese: Evidence from the National Baseline Survey of CHARLS.

    Science.gov (United States)

    Zhang, Chuanchuan; Lei, Xiaoyan; Strauss, John; Zhao, Yaohui

    2017-04-01

    We document the recent profile of health insurance and health care among mid-aged and older Chinese using data from the China Health and Retirement Longitudinal Study conducted in 2011. Overall health insurance coverage is about 93%. Multivariate regressions show that respondents with lower income as measured by per capita expenditure have a lower chance of being insured, as do the less-educated, older, and divorced/widowed women and rural-registered people. Premiums and reimbursement rates of health insurance vary significantly by schemes. Inpatient reimbursement rates for urban people increase with total cost to a plateau of 60%; rural people receive much less. Demographic characteristics such as age, education, marriage status, per capita expenditure, and self-reported health status are not significantly associated with share of out-of-pocket cost after controlling community effects. For health service use, we find large gaps that vary across health insurance plans, especially for inpatient service. People with access to urban health insurance plans are more likely to use health services. In general, Chinese people have easy access to median low-level medical facilities. It is also not difficult to access general hospitals or specialized hospitals, but there exists better access to healthcare facilities in urban areas. Copyright © 2016 John Wiley & Sons, Ltd. Copyright © 2016 John Wiley & Sons, Ltd.

  18. 12 CFR 741.208 - Mergers of federally insured credit unions: voluntary termination or conversion of insured status.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Mergers of federally insured credit unions... Insured State-Chartered Credit Unions § 741.208 Mergers of federally insured credit unions: voluntary... 708a and 708b of this chapter concerning mergers and voluntary termination or conversion of insured...

  19. 24 CFR 241.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

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

  20. Determinants for employer-paid health insurance coverage: a population-based study of the Danish labour force.

    Science.gov (United States)

    Christensen, Ann; Søgaard, Rikke

    2013-08-01

    In 2002, the Danish tax law was changed, giving employees a tax exemption on supplemental, employer-paid health insurance. This might have conflicted with one of the key foundations of the healthcare system, namely equal access for equal needs. The aim of this study was to investigate determinants for employer-paid health insurance coverage. Because the policy change affected only people who were part of the labour force and because the public sector at that time had no tradition of providing fringe benefits, the analysis was restricted to the private labour force. The analysis was based on data from a range of Danish person-level and company-level registers (explanatory variables). These data were combined with information on insurance status obtained from the trade organisation for insurance (dependent variable). A logistic regression was performed to estimate the odds of having employer-paid health insurance coverage. The individuals who were most likely to be insured were those employed in foreign companies as mid-level managers within the field of building and construction. Other important variables were the number of persons employed in a company, gender, ethnicity, region of residence, years of education, and annual income. Both company and individual characteristics were found to be important and significant predictors for employer-paid health insurance coverage. The Danish tax exemption on private health insurance in the years 2002-12 thus seems to have led to inequality in employer-paid health insurance coverage.

  1. The Nuclear Insurance Pools: Operations and Covers

    International Nuclear Information System (INIS)

    Tetley, M.

    2008-01-01

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

  2. Macroprudential Insurance Regulation: A Swiss Case Study

    OpenAIRE

    Philippe Deprez; Mario V. Wüthrich

    2016-01-01

    This article provides a case study that analyzes national macroprudential insurance regulation in Switzerland. We consider an insurance market that is based on data from the Swiss private insurance industry. We stress this market with several scenarios related to financial and insurance risks, and we analyze the resulting risk capitals of the insurance companies. This stress-test analysis provides insights into the vulnerability of the Swiss private insurance sector to different risks and sho...

  3. Early Years of Neutron Scattering and Its Manpower Development in Indonesia

    International Nuclear Information System (INIS)

    Marsongkohadi

    2008-01-01

    In this paper I shall give a short history of the development of neutron scattering at the Research Centre for Nuclear Techniques (PPTN), in Bandung, and the early development of a more advanced facilities at the Neutron Scattering Laboratory (NSL BATAN), Centre of Technology for Nuclear Industrial Materials, in Serpong. The first research reactor in Indonesia was the TRIGA MARK II in Bandung, which became operational in 1965, with a power of 250 KW, upgraded to 1 MW in 1971, and to 2 MW in 2000. The neutron scattering activities was started in 1967, with the design and construction of the first powder diffractometer, and put in operation in 1970. It was followed by the second instrument, the filter detector spectrometer built in 1975 in collaboration with the Bhabha Atomic Research Centre (BARC), India. A powder diffractometer for magnetic studies was built in 1980, and finally, a modification of the filter detector spectrometer to measure textures was made in 1986. A brief description of the design and construction of the instruments, and a highlight of some research topics will be presented. Early developments of neutron scattering activities at the 30 MW, RSG-GAS reactor in Serpong in choosing suitable research program, which will be mainly centred around materials testing/characterization, and materials/condensed matter researches has been agreed. Instrument planning and layout which were appropriate to carry out the program had been decided. Manpower development for the neutron scattering laboratory is a severe problem. The efforts to overcome this problem has been solved. International Cooperation through workshops and on the job trainings also support the supply of qualified manpower

  4. Macroprudential Insurance Regulation: A Swiss Case Study

    Directory of Open Access Journals (Sweden)

    Philippe Deprez

    2016-12-01

    Full Text Available This article provides a case study that analyzes national macroprudential insurance regulation in Switzerland. We consider an insurance market that is based on data from the Swiss private insurance industry. We stress this market with several scenarios related to financial and insurance risks, and we analyze the resulting risk capitals of the insurance companies. This stress-test analysis provides insights into the vulnerability of the Swiss private insurance sector to different risks and shocks.

  5. Health Insurance for Cancer Care in Asia: Thailand

    OpenAIRE

    Pongpak Pittayapan

    2016-01-01

    Thailand has a universal multi-payer system with two main types of health insurance: National Health Security Office or public health insurance and private insurance. National health insurance is designed for people who are not eligible to be members of any employment-based health insurance program. Although private health insurance is also available, all Thai citizens are required to be enrolled in either national health insurance or employees? health insurance. There are many differences be...

  6. The Impact of Policy Incentives on Long-Term Care Insurance and Medicaid Costs: Does Underwriting Matter?

    Science.gov (United States)

    Cornell, Portia Y; Grabowski, David C

    2018-05-16

    To test whether underwriting modifies the effect of state-based incentives on individuals' purchase of long-term care insurance. Health and Retirement Study (HRS), 1996-2012. We estimated difference-in-difference regression models with an interaction of state policy indicators with individuals' probabilities of being approved for long-term care insurance. We imputed probabilities of underwriting approval for respondents in the HRS using a model developed with underwriting decisions from two U.S. insurance firms. We measured the elasticity response to long-term care insurance price using changes in simulated after-tax price as an instrumental variable for premium price. Tax incentives and Partnership programs increased insurance purchase by 3.62 percentage points and 1.8 percentage points, respectively, among those with the lowest risk (highest approval probability). Neither had any statistically significant effects among the highest risk individuals. We show that ignoring the effects of underwriting may lead to biased estimates of the potential state budget savings of long-term care insurance tax incentives. If the private market is to play a role in financing long-term care, policies need to address the underlying adverse selection problems. © Health Research and Educational Trust.

  7. Understanding health insurance plans

    Science.gov (United States)

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

  8. 42 CFR 60.14 - The insurance premium.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false The insurance premium. 60.14 Section 60.14 Public... LOAN PROGRAM The Loan § 60.14 The insurance premium. (a) General. (1) The Secretary insures each lender... lender an insurance premium. The insurance premium is due to the Secretary on the date of disbursement of...

  9. 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.

  10. PROVIDER CHOICE FOR OUTPATIENT HEALTH CARE SERVICES IN INDONESIA: THE ROLE OF HEALTH INSURANCE

    Directory of Open Access Journals (Sweden)

    Budi Hidayat

    2012-11-01

    Full Text Available Background: Indonesian's health care system is characterized by underutilized of the health-care infrastructure. One of the ways to improve the demand for formal health care is through health insurance. Responding to this potentially effective policy leads the Government of Indonesia to expand health insurance coverage by enacting the National Social Security Act in 2004. In this particular issue, understanding provider choice is therefore a key to address the broader policy question as to how the current low uptake of health care services could be turned in to an optimal utilization. Objective:To estimate a model of provider choice for outpatient care in Indonesia with specific attention being paid to the role of health insurance. Methods: A total of 16485 individuals were obtained from the second wave of the Indonesian Family Life survey. A multinomial logit regression model was applied to a estimate provider choice for outpatient care in three provider alternative (public, private and self-treatment. A policy simulation is reported as to how expanding insurance benefits could change the patterns of provider choice for outpatient health care services. Results: Individuals who are covered by civil servant insurance (Askes are more likely to use public providers, while the beneficiaries of private employees insurance (Jamsostek are more likely to use private ones compared with the uninsured population. The results also reveal that less healthy, unmarried, wealthier and better educated individuals are more likely to choose private providers than public providers. Conclusions: Any efforts to improve access to health care through health insurance will fail if policy-makers do not accommodate peoples' preferences for choosing health care providers. The likely changes in demand from public providers to private ones need to be considered in the current social health insurance reform process, especially in devising premium policies and benefit packages

  11. Nuclear insurance and third-party liability. An overview

    Energy Technology Data Exchange (ETDEWEB)

    Rashid, Nahrul Khair

    1986-04-01

    As for any other insurance policy, nuclear insurance involves two parties, the insurer and the insured. The coverage provided for can be against any misfortune or peril; material or physical losses, financial losses, third party liability or even the insured himself as in the case of life or personal insurance. In property and liability insurance, the element of certainty does not exist. Accidents cannot be predicted, the insured will only be able to financially recover the present worth of the property insured as evaluated at the time of the accident and to the extent of the damage arising from the event insured against, which in most cases will be lower than the full value of the property.

  12. 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.

  13. 7 CFR 3019.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... recipient. Federally-owned property need not be insured unless required by the terms and conditions of the... Standards § 3019.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance...

  14. 29 CFR 95.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... recipient. Federally-owned property need not be insured unless required by the terms and conditions of the... § 95.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage...

  15. Survey of social health insurance structure in selected countries; providing framework for basic health insurance in Iran.

    Science.gov (United States)

    Mohammadi, Effat; Raissi, Ahmad Reza; Barooni, Mohsen; Ferdoosi, Massoud; Nuhi, Mojtaba

    2014-01-01

    Health system reforms are the most strategic issue that has been seriously considered in healthcare systems in order to reduce costs and increase efficiency and effectiveness. The costs of health system finance in our country, lack of universal coverage in health insurance, and related issues necessitate reforms in our health system financing. The aim of this research was to prepare a structure of framework for social health insurance in Iran and conducting a comparative study in selected countries with social health insurance. This comparative descriptive study was conducted in three phases. The first phase of the study examined the structure of health social insurance in four countries - Germany, South Korea, Egypt, and Australia. The second phase was to develop an initial model, which was designed to determine the shared and distinguishing points of the investigated structures, for health insurance in Iran. The third phase was to validate the final research model. The developed model by the Delphi method was given to 20 professionals in financing of the health system, health economics and management of healthcare services. Their comments were collected in two stages and its validity was confirmed. The study of the structure of health insurance in the selected countries shows that health social insurance in different countries have different structures. Based on the findings of the present study, the current situation of the health system, and the conducted surveys, the following framework is suitable for the health social insurance system in Iran. The Health Social Insurance Organization has a unique service by having five funds of governmental employees, companies and NGOs, self-insured, villagers, and others, which serves as a nongovernmental organization under the supervision of public law and by decision- and policy-making of the Health Insurance Supreme Council. Membership in this organization is based on the nationality or residence, which the insured by

  16. NATO Conference on Manpower Planning and Organization Design

    CERN Document Server

    Niehaus, Richard

    1978-01-01

    This volume is the proceedings of the conference entitled "Manpower Planning and Organization Design" which was held in Stresa, Italy, 20-24 June 1977. The Conference was sponsored by the NATO Scientific Affairs Division and organized jointly through the Special Programs Panels on Human Factors and on Systems Science. Two Conference Directors were appointed with overall responsibilities for the programme and for policy, and they were assisted in their tasks by a small advisory panel consisting of Professor A. Charnes (University of Texas), Professor W.W. Cooper (Carnegie Mellon University, now at Harvard University) and Dr. F.A. Heller (TavistQck Institute of Human Relations). Professor R. Florio of Bergamo kindly agreed to become Administrative Director and, as such, was responsible for all the local arrangements. The Conference Directors were further assisted by "national points of contact" appointed from each of the member countries of NATO. These national representatives played a substantial part in the s...

  17. 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. Copyright © 2012 American College of Radiology. Published by Elsevier Inc. All rights reserved.

  18. State insurance exchanges face challenges in offering standardized choices alongside innovative value-based insurance.

    Science.gov (United States)

    Corlette, Sabrina; Downs, David; Monahan, Christine H; Yondorf, Barbara

    2013-02-01

    Value-based insurance is a relatively new approach to health insurance in which financial barriers, such as copayments, are lowered for clinical services that are considered high value, while consumer cost sharing may be increased for services considered to be of uncertain value. Such plans are complex and do not easily fit into the simplified, consumer-friendly comparison tools that many state health insurance exchanges are formulating for use in 2014. Nevertheless some states and plans are attempting to strike the right balance between a streamlined health exchange shopping experience and innovative, albeit complex, benefit design that promotes value. For example, agencies administering exchanges in Vermont and Oregon are contemplating offering value-based insurance plans as an option in addition to a set of standardized plans. In the postreform environment, policy makers must find ways to present complex value-based insurance plans in a way that consumers and employers can more readily understand.

  19. Green commercial building insurance in Malaysia

    Science.gov (United States)

    Yang, Yu Xin Ou; Chew, Boon Cheong; Loo, Heoy Shin; Tan, Lay Hong

    2017-03-01

    Green building construction is growing tremendously globally even in Malaysia. Currently, there are approximate 636 buildings have registered and to be certified with Green Building Index. Among these buildings, 45 buildings have already fulfilled the requirements and fully certified. The other buildings still under provisional certification stage. Malaysia had adopted Green Building Index in 2009 to support a move to promote green building concept. Malaysia starts to move towards green building because Malaysian construction and building industry realizes that both energy consumed and waste produced are reduced without irreversible impacts to ecosystems. Consequently, insurance companies such as Fireman's Fund from America has started the green building insurance policies for their green building in the year of 2006, while Malaysia still remain the coverage for green buildings using conventional property insurance. There are lacks of efforts to be seen from insurance companies to propose green building insurance for these green buildings. There are a few factors which can take into consideration for insurance companies to start the very first green building insurance in Malaysia. Although there are challenges, some efficient strategies have been identified to overcome the problems. The methods used in this research topic is qualitative research. The results obtained shows that green commercial building insurance has a huge business opportunity in Malaysia because the number of green commercial buildings are increasing tremendously in Malaysia. It is a favor to implement green building insurance in Malaysia. Furthermore, insurance companies can consider to add in extra coverage in standard building policy to provide extra protection for non-certified green buildings which have the intention to rebuilt in green when damage happens. Generally, it is very important to introduce green commercial buildings insurance into Malaysia so that all of the green commercial

  20. Perceived Relationships among Components of Insurance Service for Users of Complementary Health Insurance Service

    OpenAIRE

    Urban Sebjan

    2013-01-01

    This article explores the relationship between the components of the services provided by complementary voluntary health insurance (CVHI), to which users ascribe different levels of importance. Research model that consists of four constructs (importance of quality service, additional coverage, price discounts of CVHI and insurance company reputation) and an indicator of the importance of insurance premium of CVHI was tested with structural equation modelling (SEM) on the sample of 300 Sloveni...