Xem 1-20 trên 24 kết quả Insurance concept
  • Some companies let you use your life insurance death benefit to pay for specific conditions such as terminal illness or for qualified long-term care expenses such as home health care, assisted living or nursing home care. A life insurance death benefit you use while you are alive is known as an accelerated death benefit. A life insurance policy that uses an accelerated death benefit to pay for long-term care expenses may also be known as a “life/long-term care” policy. It may be an individual or a group life insurance policy.

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  • The relationship with local governments and local communities is a new concept accompanying the idea of decentralization. In Bolivia, citizen participation is a condition for receiving fund support. Not only is it a condition, but increasingly municipalities have to cofinance projects. Cen- tral governments are transferring resources to the municipalities, and citizen participation decides which projects the municipality wants to cofinance. Cofinancing is realigning the funds with communities, and it is helping them to prepare development plans....

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  • Given the importance of the insurance sector, its potential for growth, rapidly emerging trends within the sector including the trend towards liberalization of insurance services, it is essential to clearly understand the challenges and opportunities that arise from both the development of the insurance sector as well as its liberalization for developing countries.

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  • This chapter explain the concept of risk and the basics of insurance underwriting; discuss the primary reasons for life insurance and identify those who need coverage; calculate how much life insurance you need; distinguish among the various types of life insurance policies and describe their advantages and disadvantages;...

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  • Chapter 22: Title, risk of loss, and insurable interest. After reading this chapter, you will be able to answer the following questions: What is the concept of title? How does it pass? What is insurable interest? What are the different kinds of sales contracts, and how does each type affect title passing, risk of loss, and insurable interest?

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  • Finance has become one of the most important and popular subjects in management school today. This subject has progressed tremendously in the last forty years, integrating models and ideas from other areas such as physics, statistics, and accounting. The financial markets have also rap- idly expanded and changed extensively with improved technology and the ever changing regulatory and social environment.

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  • As was mentioned previously, the times and business priorities are changing at a rapid pace: no longer do organisations aspire to profit for shareholders alone – they are increasingly answerable to other stakeholders. As a result of regulatory and media pressure, in particular, best practice, transparency, open-ness and fair play are needed to be successful and sustainable in business. While traditional concepts still exist and are referred to in this handbook, new meanings are also developing.

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  • The United States has seen major advances in medical care over the past decades, but access to care at an affordable cost is not universal. Many Americans lack health care insurance of any kind, and many others with insurance are nonetheless exposed to financial risk because of high premiums, deductibles, co-pays, limits on insurance payments, and uncovered services. One might expect that the U.S. poverty measure would capture these financial effects and trends in them over time.

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  • Initially the concept of “marketing to children” is defined; examples of marketing techniques are provided and an explanation given as to how marketing works and who is involved. Policy development is then described in a “step-by-step” process, starting with what is required for a situation analysis and moving to the pros and cons of adopting a comprehensive or stepwise policy approach; which children need protection; what communication channels and marketing techniques to target; and what foods should be included or excluded.

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  • From the perspective of behavioral economics, rationality is bounded by asymmetrical preferences. Consider, for example, status quo bias. Samuelson and Zeckhauser (1988) reported that when Harvard University changed some of the health insurance options it offered employees, newly hired personnel were more likely to enroll than were people already on the university’s payroll; those employees generally chose to keep their current plans. The appeal of the status quo can be explained, in part, by the concept of loss aversion.

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  • The fact that entrepreneurs may insulate workers’ earnings from shocks in the prod- uct market has long been recognised as an important determinant of the dynamics of wages. The rationale for such an insurance ultimately rests on the concept of implicit labour contracts originated by Azariadis (1975), Baily (1974) and Gordon (1974). A central empirical implication is that contract wages may entail implicit payments of insurance premiums by workers in favourable states of nature and the receipt of indemnities in unfavourable states....

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  • Technology is changing the qualifications required to perform both clinical and administrative allied health duties. Students entering the job market today must be familiar with the ways in which technology is used to perform on-the-job tasks. In particular, the understanding of electronic health records is essential. This text integrates the presentation of concepts with the opportunity to gain hands-on experience working with a simulated EHR software, Practice Partner.

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  • This issue also comes up with the valuation of difficult to estimate insurance liabilities. While a value may be estimable by an actuary, how reliable is that estimate? Can the user depend on that value, or could the user instead be materially misled by relying on that value? If a range of estimates could be produced, but only the low end of the possible valuation range could be reliably determined, booking the low end of the range may pro- duce a reliable estimate but how relevant would it be? Would more disclosure be required to make the...

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  • The gross production / consumption loss: The costs of additional mortality cases are assessed according to the loss in income / production or the loss of consumption. This valuation concept - sometimes refered as discounted future earnings - is based on the loss resulting from a premature death for the economy as a whole. It is a concept based on the general society, without regarding the individual difference in valuing lower or higher risks of mortality or fatal accidents.

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  • Uncertainty over the occurrence of the event may take various forms. Under some insurance contracts the insured event occurs during the period of cover specified in the contract, even if the resulting loss is discovered after the end of this period of cover. For others the insured event is the discovery of a loss during the period of cover of the contract, even if the loss arises from an event that occurred before the inception of the contract.

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  • The definition of an insurance contract distinguishes insurance contracts that are subject to IFRS 4 from those contracts that are subject to IAS 39. Some contracts, however, contain both an insurance component and a deposit component. The deposit component of an insurance contract is defined as a contractual component that is not accounted for as a financial instrument under IAS 39, but that would be within the scope of IAS 39 if it were a separate instrument.

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  • In the body of research investigating students’ attitudes towards interacting with other students in online and distance education courses, there are some studies that report overwhelmingly positive attitudes. For example, O’Reilly and Newton (2002) found the majority of their 90 survey respondents highly valued interaction with peers and reported a wide range of benefits including mutual support, friendships, a reduced sense of isolation and new insights into the concepts being studied. Yildiz and Chang (2003) similarly reported that most...

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  • The idea of collaborative science, and of appropriate attribution to previous work, vary greatly from culture to culture. In some cultures, the reference to another researcher’s concepts must be cited even when not quoting a previously published work directly. In other cultures, copying entire sections of another’s work and incorporating them into one’s own is an acceptable way of demonstrating the influence of that prior work.

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  • Reconsider the situation described for Exercise 2.26 under the assumption that one bank is in the United States and the other is in Canada. As before, the banks use the schema of Figure 2.22, except that the Canadian bank uses the social-insurance number assigned by the Canadian government,whereas the U.S. bank uses the social-security number to identify customers.What problems (be- yond those identified in Exercise 2.24) might occur in this multinational case? How would you resolve them? Be sure to consider both the scheme and the ac- tual data values in constructing your answer....

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  • Motion capture methods offer advantages and disadvantages. Let us consider the case of human walking. A walking motion may be recorded and then applied to a computer-generated 3D character. It will provide a very good motion, because it comes directly from reality. However, motion capture does not bring any really new concept to animation methodology. For any new motion, it is necessary to record the reality again. Moreover, motion capture is not appropriate especially in real-time simulation activities, where the situation and actions...

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