Developing countries’ markets depend extensively (technically and financially) on
international services. Reasons for this include (among others) structural, financial and
technical constraints, including the small size of markets, under-capitalization of
insurance companies and insufficient experience and know-how. Usually, insurance
industries there also have a shortage of skilled personnel.
Barbara has a BA (Hons) in Business and Management and is currently at the end of her
MSc in International Finance degree. Barbara started her career working as an intern for
the European Commission in Brussels, and then in 1999 she joined Datamonitor
Financial Services department as an analyst. Barbara's work at Datamonitor involved
various projects and reports, including the FinTab project, where she helped to develop
an online data resource covering the insurance, banking, investments and payment cards
sectors. Barbara also authored a number of reports......
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This publication consists of six parts. The first part is intended to provide readers with an
overview of the insurance sector from the perspective of developing countries. It
considers developing country shares in the global insurance market, regulatory and trade
liberalization issues that developing countries are faced with as well as suggestions as to
how developing countries can identify areas of competence within the insurance services
The Government plays an important role in ensuring that insurance services can generate
benefits. In developed countries, the Government’s key role is to act as a regulator to
ensure security and stability in the sector. In developing countries, it also has the role of
providing insurance services as a public good.
Developing countries seek to establish efficient domestic regulatory frameworks as a
prerequisite for insurance service privatization and liberalization.
The Affordable Care Act provides States with significant flexibility in the design and operation of their
Exchange to best meet the unique needs of their citizens and their marketplace. States can choose to
operate as a State-based Exchange, or the Secretary of the Department of Health & Human Services
(HHS) will establish and operate a Federally-facilitated Exchange in any State that does not elect to
operate a State-based Exchange.
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.
In this vein UNCTADs contribution will continue to focus on: the benefits and challenges
arising from international trade in insurance services, regulatory challenges arising from
domestic implementation as well as in relation to the GATS, measures to overcome
supply side constraints and build domestic capacity in the insurance sector, the role of the
Government both as a regulator and a provider of insurance services, likely impacts of
emerging global and technological trends in the insurance sector and in relation to the
GATS assisting developing countries in their ongoing and evolv...
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.
This paper gives an overview of the global insurance market and emerging trends; the
importance of the insurance sector for economic development; the significance and
elements of an effective regulatory framework; development issues arising from
insurance services liberalization; the importance of insurance as a public good; and the
implications of GATS negotiations for the insurance sector and areas of potential export
interest for developing countries.
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......
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.
We are all aware of the essential role that insurance services play as a commercial and
infrastructural service. From an infrastructural perspective it promotes financial and social
stability, mobilizes and channel savings, supports trade, commerce and entrepreneurial
activity and improves the quality of the lives of individuals. In a fast-globalizing world
economy, Governments the world over are faced with challenges relating to the
regulatory environment, emerging global trends in the insurance sector, technological
innovations and liberalization of the insurance sector.
The last point, which is in some ways the most important, is the need for
consistency across projects in the same sector. The Portfolio Review found
from the experience in sectoral projects, for example water and sanita-
tion, that in some cases communities, even very poor communities, have
been willing, indeed anxious, to contribute to a service that would meet
their needs and that they knew they would receive.
Coverage levels that are higher than CAT are called “buy-up” or “additional” coverage.
additional premium paid by the producer, and partially subsidized by the government, a producer
can “buy up” the 50/55 catastrophic coverage to any equivalent level of coverage between 50/100
and 75/100 (i.e., up to 75% of “normal” crop yield and 100% of the estimated market price). In
limited areas, production can be insured up to the 85/100 level of coverage.
APH policies account for more than 90% of yield-based policies sold.
The Department of Defense (DoD) provides health benefits to qualified retired service personnel. Active duty personnel who retire with at least 20 years of service are immediately eligible to receive retiree health benefits for themselves, their spouses, and dependent children through TRICARE, the DoD-sponsored health care plan.
Tham khảo sách 'the 2000-2005 world outlook for accident & health insurance and medical service plans sold by life insurance companies', y tế - sức khoẻ, y học thường thức phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả
The Panel for the Workshop on the State Children’s Health Insurance
Program wishes to thank the many people who contributed to the development
of the workshop and to the preparation of this report.
The workshop was sponsored by the Office of the Assistant Secretary
for Planning and Evaluation (ASPE) in the U.S. Department of Health and
Human Services. Caroline Taplin, of that agency, served as project officer
for the workshop.