(BQ) Part 2 book "Principles of risk management and insurance" has contents: Social insurance, the liability risk, homeowners insurance, section II, auto insurance, auto insurance and society, other property and liability insurance coverages, commercial property insurance, crime insurance and surety bonds,...and other contents.
The FDIC does not insure safe deposit boxes or their contents. The FDIC does not insure U.S. Treasury bills, bonds or notes, but these investments are backed by the full faith and credit of the United States government. How much insurance coverage does the FDIC provide? The standard maximum deposit insurance amount is described as the “SMDIA” in FDIC regulations.
A maintenance culture, which means that what is built is maintained,
does not yet exist in Latin America. There is no reason to expect social
funds to ensure maintenance better than any of the other ministries. If
this culture is instituted, then projects will be sustained, both by the
ministries and by the social funds.
Citizen participation is emphasized greatly to achieve sustainable out-
comes of projects. There is nothing like money to sustain a project.
Estimating the results of legislative proposals to expand health insurance coverage is challenging, partly because there is so little empirical evidence concerning individual people’s responsiveness to health insurance mandates. Since 2007, adults in Massachusetts have been required to have health insurance or face penalties for noncompliance, but it may be too soon to infer the effect of mandates from that experience. Moreover, that experience itself could be unique to Massachusetts.
Congress established a standing disaster program in the 2008 farm bill—
the Supplemental Revenue Assistance Payments Program. Under this
program, Congress funded a $3.8 billion permanent trust fund and
directed the Secretary of Agriculture to make crop disaster assistance
payments to eligible farmers who suffer crop losses on or before
September 30, 2011. USDA—through FSA—began making disaster
payments under this program in early 2010 for crop losses incurred in
Many associations let insurance companies and agents offer long-term care
insurance to their members. These policies are like other types of long-term
care insurance and typically require medical underwriting. Like employer-
group policies, association policies usually give their members a choice of
benefit options. In most cases, policies sold through associations must let
members keep or convert their coverage after leaving the association. Be
careful about joining an association just to buy any insurance coverage.
Review your rights if the policy is terminated or canceled. ...
One finds that there is a positive correlation between a country’s level of development
and insurance coverage. Developed countries tend to have better developed and well-
functioning insurance services sectors both domestically and in terms of insurance exports,
as compared to developing countries. This is perhaps most evident when one compares
the share of industrialized countries in the world insurance markets, which in 2004 stood
at 88.5 per cent as compared with 11.4 per cent for emerging markets, the majority of
which are developing countries.
The great majority of Wisconsin household residents have health insurance (counting both private and
public coverage). In 2008, an estimated 5,045,000 Wisconsin household residents (92%) had health
insurance and 433,000 (8%) did not. This estimate is a “snapshot” of Wisconsin at one point in time
(Figure 4). (Respondents report on the health insurance coverage of each household member at the time
of the survey interview; interviews are conducted from February through December.
Health Insurance Is a Family Matter is the third in a series of six reports planned
by the Institute of Medicine (IOM) and its Committee on the Consequences of
Uninsurance. This series of studies represents a major and sustained commitment
by the IOM to contribute to the public debate about the problems associated with
having more than 38 million uninsured people in the United States. This very
broad research effort also represents a significant contribution from The Robert
Wood Johnson Foundation for which we are grateful....
In summary, many of the issues raised can be addressed through effective policymaking
in these five areas, overcoming supply side constraints, establishing and implementing
effective financial and supervisory machinery to ensure smooth functioning of the
insurance sector and its stakeholders, identifying areas where the Government has a role
as a provider of insurance services and last appropriate sequencing of privatization and
liberalization of insurance services, while identifying areas of export interest present or
potential for developing countries.
The Social Insurance Institution was established in 1934 by means of an Ordinance
of the President of the Republic of Poland of 24 October 1934 on the amendment of the Law of
28 March 1933 on social insurance. In accordance with the Ordinance, 5 insurance institutions
have been merged (Social Insurance Chamber, Sickness Insurance Institution, Accident Insur-
ance Institution, White-Collar Employees’ Insurance Institution, Blue-Collar Workers’ Insurance
ARPA and the 2008 farm bill set premium subsidy rates, that is, the
percentage of the premium paid by the government. Premium subsidy
rates vary by the level of insurance coverage that the farmer chooses and
the geographic diversity of the crops insured. For most policies, the
statutory subsidy rates range from 38 percent to 80 percent. Table 1
shows the total costs of subsidies for all crop insurance premiums and
administrative expenses for 2000 through 2011.
The members of America’s Health Insurance Plans (AHIP) are committed to working with policymakers, health
care providers, and consumers to contribute to our common fundamental interests in promoting a vibrant health
care system and a vital economy.
For the nation, and in the states, lack of health insurance is a major economic drain, one that costs $50 billion
annually. We believe that access to health insurance coverage should be our number one domestic priority. In late
2006, we released a blueprint for achieving that goal.
These estimates were obtained by asking survey respondents about their health insurance coverage for the
12 months prior to the interview in 2008. Respondents were asked about all kinds of private and
government health insurance, including Medicare, Medicaid, BadgerCare Plus, employer-provided
coverage, and insurance bought directly from an insurance agent or insurance company. Respondents
were also asked about whether they were insured for all 12 months since (date one year ago), or insured
for part of that time, or not insured at all since (date one year ago).
7,706 persons are participating in a controlled trial of alternative health insurance policies.Interim results indicate that persons fully covered for medical services spend around 50 percent more than similar persons insured with an income-related catastrophic plan.Full coverage leads to more people using services and increased hospital admissions.Once patients are admitted to the hospital, howev......
Private insurance companies sell long-term care insurance policies. You can
buy an individual policy from an agent or through the mail. Or, you can buy
coverage under a group policy through an employer or through membership
in an association. The federal government and several state governments
offer long-term care insurance coverage to their employees, retirees and
their families. This program is voluntary, and premiums are paid by
participants. You can also get long-term care benefits through a life
insurance policy. ...
FinCEN agrees that both the insurance regulators and industry will benefit from a
more industry-specific format for reporting suspicious activity. Currently, insurance
industry SARs are being filed on the SAR-SF, which was designed for the Securities
and Futures industry. The Suspicious Activity Report by Insurance Companies No-
tice and Request for Comment was published in the Federal Register on November
Because the insurance industry employs both captive and independent producers in its various models of
product distribution, understanding the insurer-producer relationship is critical when determining the
insurer’s responsibility for its appointed producers’ social media communications. As such, if the content
of an appointed producer’s social media communication can be attributed to a specific carrier, regulators
will also attribute the communication to the carrier.
Other areas that pose a challenge for developing countries include the potential impact of
the operations of insurance companies on the activities of policyholders and the economy
as a whole, the impact of emerging trends in the global insurance market, the need to
overcome supply-side constraints, the need to raise public awareness about the benefits of
insurance coverage, the need to build human capacity and how to take advantage of
changes arising from liberalization and globalization within the insurance sector to
develop export opportunities.
The Affordable Care Act establishes Affordable Insurance Exchanges (Exchanges) to provide
individuals and small business employees with access to health insurance coverage beginning January
An Exchange is an entity that both facilitates the purchase of Qualified Health Plans (QHP)
by qualified individuals and provides for the establishment of a Small Business Health Options Program
(SHOP), consistent with Affordable Care Act 1311(b) and 45 CFR 155.20.