Hasil untuk "Insurance"

Mamadou Guedji DIOUF, Mamadou Makhtar Mbacké LEYE, Martial Coly Bop et al.

 Introduction : Mutual health insurance constitutes a micro-insurance system which facilitates access to care by avoiding direct payment. They represent one of the pillars of our Universal Health Coverage. After years of existence and despite political commitment, community support for mutual health insurance remains low until now. The objective of our work was to study the factors linked to the membership of mutual health insurance companies in the Thiès region and to propose solutions.  Methodology : The study was cross-sectional, descriptive and analytical. It was carried out among a sample of 1,300 people, residing in the Thiès region for at least 6 months, chosen following a three-stage cluster survey. A questionnaire was used to collect data related to predisposing, facilitating and health system factors. These data were entered and analyzed using SPSS version 21 software. The significance value was P < 0.05. The Odds ratio was used to measure the strength of the link.  Results : The average age is 42 years and among the people surveyed 75.3% lived in an urban area, 84.5% claimed to know mutual insurance companies. The number of dependent children among the people surveyed was 9 and 90% had an income-generating activity, married people were 82.9% and 78.2% were educated. The mutual penetration rate was 69.3%. The analysis showed that membership in mutual health insurance was significantly influenced by the area of residence with P < 0.001 [OR: 2.0; CI:1.4-2.8], by age group with P < 0.001[OR:1.4; CI:1.1-2.0], by income-generating activity with P < 0.001 [OR:2.1; CI:1.1-4.1], by knowledge of a mutual with P < 0.001 [OR:81.6; CI: 42.2-157] and education with P < 0.001 [OR: 1.9; CI: 1.3-2.6]. Membership was also associated with marital status and the number of children in care with P < 0.001 and P < 0.002 respectively.  Conclusion : This study made it possible to evaluate the penetration rate of mutual health insurance in the Thiès region in 2023, but also to identify the factors associated with membership in a mutual health insurance. Strengthening communication and targeted awareness and improving the level of knowledge of the populations will help to boost the level of support of the populations of the Thiès region.

C. Hsieh, Chien-Chou Su, S. Shao et al.

Abstract Taiwan’s National Health Insurance Research Database (NHIRD) exemplifies a population-level data source for generating real-world evidence to support clinical decisions and health care policy-making. Like with all claims databases, there have been some validity concerns of studies using the NHIRD, such as the accuracy of diagnosis codes and issues around unmeasured confounders. Endeavors to validate diagnosed codes or to develop methodologic approaches to address unmeasured confounders have largely increased the reliability of NHIRD studies. Recently, Taiwan’s Ministry of Health and Welfare (MOHW) established a Health and Welfare Data Center (HWDC), a data repository site that centralizes the NHIRD and about 70 other health-related databases for data management and analyses. To strengthen the protection of data privacy, investigators are required to conduct on-site analysis at an HWDC through remote connection to MOHW servers. Although the tight regulation of this on-site analysis has led to inconvenience for analysts and has increased time and costs required for research, the HWDC has created opportunities for enriched dimensions of study by linking across the NHIRD and other databases. In the near future, researchers will have greater opportunity to distill knowledge from the NHIRD linked to hospital-based electronic medical records databases containing unstructured patient-level information by using artificial intelligence techniques, including machine learning and natural language processes. We believe that NHIRD with multiple data sources could represent a powerful research engine with enriched dimensions and could serve as a guiding light for real-world evidence-based medicine in Taiwan.

Juneyoung Lee, J. S. Lee, Sook-Hee Park et al.

Sang Cheol Seong, Yeon-Yong Kim, Y. Khang et al.

Data Resource Profile: The National Health Information Database of the National Health Insurance Service in South Korea Sang Cheol Seong, Yeon-Yong Kim, Young-Ho Khang, Jong Heon Park, Hee-Jin Kang, Heeyoung Lee, Cheol-Ho Do, Jong-Sun Song, Ji Hyon Bang, Seongjun Ha, Eun-Joo Lee and Soon Ae Shin* National Health Insurance Service, Big Data Steering Department, National Health Insurance Service, Wonju, Korea, Department of Health Policy and Management, Seoul National University Medical Research Center, Seoul, Korea and Center for Preventive Medicine and Public Health, Seoul National University Bundang Hospital, Seongnam, Korea

Monica Billio, Mila Getmansky, A. Lo et al.

We propose several econometric measures of connectedness based on principal-components analysis and Granger-causality networks, and apply them to the monthly returns of hedge funds, banks, broker/dealers, and insurance companies. We find that all four sectors have become highly interrelated over the past decade, likely increasing the level of systemic risk in the finance and insurance industries through a complex and time-varying network of relationships. These measures can also identify and quantify financial crisis periods, and seem to contain predictive power in out-of-sample tests. Our results show an asymmetry in the degree of connectedness among the four sectors, with banks playing a much more important role in transmitting shocks than other financial institutions.

P. Dasgupta, P. Hammond

Douglas W. Diamond, Philip H. Dybvig

This paper shows that bank deposit contracts can provide allocations superior to those of exchange markets, offering an explanation of how banks subject to runs can attract deposits. Investors face privately observed risks which lead to a demand for liquidity. Traditional demand deposit contracts which provide liquidity have multiple equilibria, one of which is a bank run. Bank runs in the model cause real economic damage, rather than simply reflecting other problems. Contracts which can prevent runs are studied, and the analysis shows that there are circumstances when government provision of deposit insurance can produce superior contracts.

J. Corcoran

M. Yaari

R. Townsend

M. C. Keeley

S. Yachi, M. Loreau

T. McLellan, D. Lewis, C. O'brien et al.

W. Manning, J. Newhouse, N. Duan et al.

Valentina Gatteschi, F. Lamberti, C. Demartini et al.

Blockchain is receiving increasing attention from academy and industry, since it is considered a breakthrough technology that could bring huge benefits to many different sectors. In 2017, Gartner positioned blockchain close to the peak of inflated expectations, acknowledging the enthusiasm for this technology that is now largely discussed by media. In this scenario, the risk to adopt it in the wake of enthusiasm, without objectively judging its actual added value is rather high. Insurance is one the sectors that, among others, started to carefully investigate the possibilities of blockchain. For this specific sector, however, the hype cycle shows that the technology is still in the innovation trigger phase, meaning that the spectrum of possible applications has not been fully explored yet. Insurers, as with many other companies not necessarily active only in the financial sector, are currently requested to make a hard decision, that is, whether to adopt blockchain or not, and they will only know if they were right in 3–5 years. The objective of this paper is to support actors involved in this decision process by illustrating what a blockchain is, analyzing its advantages and disadvantages, as well as discussing several use cases taken from the insurance sector, which could easily be extended to other domains.

M. Loreau, M. Barbier, É. Filotas et al.

Biological insurance theory predicts that, in a variable environment, aggregate ecosystem properties will vary less in more diverse communities because declines in the performance or abundance of some species or phenotypes will be offset, at least partly, by smoother declines or increases in others. During the past two decades, ecology has accumulated strong evidence for the stabilising effect of biodiversity on ecosystem functioning. As biological insurance is reaching the stage of a mature theory, it is critical to revisit and clarify its conceptual foundations to guide future developments, applications and measurements. In this review, we first clarify the connections between the insurance and portfolio concepts that have been used in ecology and the economic concepts that inspired them. Doing so points to gaps and mismatches between ecology and economics that could be filled profitably by new theoretical developments and new management applications. Second, we discuss some fundamental issues in biological insurance theory that have remained unnoticed so far and that emerge from some of its recent applications. In particular, we draw a clear distinction between the two effects embedded in biological insurance theory, i.e. the effects of biodiversity on the mean and variability of ecosystem properties. This distinction allows explicit consideration of trade‐offs between the mean and stability of ecosystem processes and services. We also review applications of biological insurance theory in ecosystem management. Finally, we provide a synthetic conceptual framework that unifies the various approaches across disciplines, and we suggest new ways in which biological insurance theory could be extended to address new issues in ecology and ecosystem management. Exciting future challenges include linking the effects of biodiversity on ecosystem functioning and stability, incorporating multiple functions and feedbacks, developing new approaches to partition biodiversity effects across scales, extending biological insurance theory to complex interaction networks, and developing new applications to biodiversity and ecosystem management.

Uğur Korkut Pata, A. Samour

Fatih Ecer, D. Pamucar

Assessing and ranking private health insurance companies provides insurance agencies, insurance customers, and authorities with a reliable instrument for the insurance decision-making process. Moreover, because the world’s insurance sector suffers from a gap of evaluation of private health insurance companies during the COVID-19 outbreak, the need for a reliable, useful, and comprehensive decision tool is obvious. Accordingly, this article aims to identify insurance companies’ priority ranking in terms of healthcare services in Turkey during the COVID-19 outbreak through a multi-criteria performance evaluation methodology. Herein, alternatives are evaluated and then ranked as per 7 criteria and assessments of 5 experts. Experts’ judgments and assessments are full of uncertainties. We propose a Measurement of Alternatives and Ranking according to the Compromise Solution (MARCOS) technique under an intuitionistic fuzzy environment to rank insurance companies. The outcomes yielded ten insurance companies ranking in terms of healthcare services in the era of COVID-19. The payback period, premium price, and network are determined as the most crucial factors. Finally, a comprehensive sensitivity analysis is performed to verify the proposed methodology’s stability and effectiveness. The introduced approach met the insurance assessment problem during the COVID-19 pandemic very satisfactory manner based on sensitivity analysis findings.

J. Raifman, J. Bor, A. Venkataramani

Key Points Question Was the receipt of unemployment insurance and a $600/wk federal supplement to unemployment insurance associated with reduced food insecurity among people in low- and middle-income households who lost work during the coronavirus disease 2019 (COVID-19) pandemic? Findings In this cohort study of 1119 adults who lost work during the COVID-19 pandemic, unemployment insurance was associated with a 35% relative decline in food insecurity and a 48% relative decline in eating less due to financial constraints. The $600/wk federal supplement was associated with additional reductions in food insecurity. Meaning These findings suggest that expanding the amount and duration of unemployment insurance may be an effective approach to reducing food insecurity.

E. Barasa, Jacob S Kazungu, P. Nguhiu et al.

Introduction Low/middle-income countries (LMICs) in sub-Saharan Africa (SSA) are increasingly turning to public contributory health insurance as a mechanism for removing financial barriers to access and extending financial risk protection to the population. Against this backdrop, we assessed the level and inequality of population coverage of existing health insurance schemes in 36 SSA countries. Methods Using secondary data from the most recent Demographic and Health Surveys, we computed mean population coverage for any type of health insurance, and for specific forms of health insurance schemes, by country. We developed concentration curves, computed concentration indices, and rich–poor differences and ratios to examine inequality in health insurance coverage. We decomposed the concentration index using a generalised linear model to examine the contribution of household and individual-level factors to the inequality in health insurance coverage. Results Only four countries had coverage levels with any type of health insurance of above 20% (Rwanda—78.7% (95% CI 77.5% to 79.9%), Ghana—58.2% (95% CI 56.2% to 60.1%), Gabon—40.8% (95% CI 38.2% to 43.5%), and Burundi 22.0% (95% CI 20.7% to 23.2%)). Overall, health insurance coverage was low (7.9% (95% CI 7.8% to 7.9%)) and pro-rich; concentration index=0.4 (95% CI 0.3 to 0.4, p<0.001). Exposure to media made the greatest contribution to the pro-rich distribution of health insurance coverage (50.3%), followed by socioeconomic status (44.3%) and the level of education (41.6%). Conclusion Coverage of health insurance in SSA is low and pro-rich. The four countries that had health insurance coverage levels greater than 20% were all characterised by substantial funding from tax revenues. The other study countries featured predominantly voluntary mechanisms. In a context of high informality of labour markets, SSA and other LMICs should rethink the role of voluntary contributory health insurance and instead embrace tax funding as a sustainable and feasible mechanism for mobilising resources for the health sector.