|
Books > Money & Finance > Insurance > General
This text focuses on insurance as a tool for addressing risk, as
opposed to government benefit programs or involuntary liability
using the court system. It examines the public policy and economic
nature of insurance, the insurability of risks and applies this to
three environmental examples.
Between 1987 and 1991, the portion of Americans covered by
individually purchased health insurance dropped 40per cent.
Assuming the US will continue to rely on private financing for
health care, the author clarifies benefits to society from an
efficient health insurance market.
This work examines the integenerational transfers that can be
expected from a shift to community rating under a mandatory health
insurance purchase requirement. The analysis applies to proposals
that would limit the adjusting of insurance premiums to account for
different risks associated with age.
This text analyses the effects on insurance markets and consumers,
of proposals to require community rating in all health plans.
This book puts an end to unnecessary consumer spending by telling
how to lower automobile insurance premiums, choose a good HMO or
PPO health plan, reduce homeowner's insurance premiums, determine
the amount of life insurance really needed, and more.
At the turn of the century, the North Carolina Mutual Life
Insurance Company became the "world's largest Negro business."
Located in Durham, North Carolina, which was known as the "Black
Wall Street of America," this business came to symbolize the ideas
of racial progress, self-help, and solidarity in America. Walter B.
Weare's social and intellectual history, originally published in
1973 (University of Illinois Press) and updated here to include a
new introduction, still stands as the definitive history of black
business in the New South. Drawing on a wide range of
sources--including personal papers of the company's leaders and
oral history interviews--Weare traces the company's story from its
ideological roots in the eighteenth century to its economic success
in the twentieth century.
Die vorliegende Ausarbeitung zeigt konzeptionelle Grundlagen des
Liquiditatsmanagements auf und stellt die Operationalisierung
dieser UEberlegungen in fuhrenden deutschen Industrie- und
Handelsunternehmen dar. Dies wird erganzt um Beispiele aus der
externen Berichterstattung uber Liquiditat und Liquiditatsrisiken.
Ausserdem wird ein UEberblick uber die Berucksichtigung von
Liquiditat in den Beurteilungen der Analysten und Ratingagenturen
sowie uber Untersuchungen zur Bewertung von Liquiditat an den
Kapitalmarkten durch Eigen- und Fremdkapitalgeber gegeben.
Katharina Leest widmet sich der Aufrechterhaltung der Nachfrage
nach Events in Zeiten einer immer naher kommenden terroristischen
Bedrohung. Die Autorin entwickelt einen praxisnahen Katalog von
allgemeingultigen Handlungsempfehlungen, welcher Loesungsansatze
fur die Einflussnahme auf die durch den Terrorismus induzierten
negativen Nachfrageffekte aufzeigt. Die stetig steigende
Erlebnisorientierung steht in unmittelbarem Konflikt mit dem
evolutionaren Sicherheitsbedurfnis. Die Realisierung eines
zielgruppenspezifischen Gleichgewichts zwischen Sicherheit,
Freiheit und Wirtschaftlichkeit ruckt in den Fokus.
Die Autoren zeigen in diesem essential auf, wie ein internes
Kontrollsystem (IKS) insbesondere in kleinen und mittelgrossen
Unternehmen einen wichtigen Beitrag zur finanziellen Fuhrung
leisten kann. Zahlreiche konkrete Beispiele und Loesungsansatze aus
der Praxis erlautern, wie sich ein IKS pragmatisch und
nutzenstiftend umsetzen lasst. Im Finanzbereich ist es ein
unverzichtbares Element guter Unternehmensfuhrung - unabhangig von
der gesetzlichen Situation. Ein angemessen ausgestaltetes IKS
stellt ein effektives Steuerungssystem dar, das eine effiziente
operative Planung und Fuhrung des Finanzbereichs unterstutzt. Es
leistet u. a. einen wichtigen Beitrag zur Steuerung und Kontrolle
der Liquiditat, zur Effizienzsteigerung finanzieller Prozesse und
letztlich zu einem nachhaltigen Unternehmenswachstum.
This book is the first and only study on implementing Universal
Health Coverage in poor, rural and informal settings, with
end-to-end guidance for rolling out a demand-driven and needs-based
health insurance model. The chapters are comprehensive, covering
topics such as data collection and analysis for contextual risk
assessment, the design of suitable benefits packages, how to price
microinsurance, insurance education for illiterate or innumerate
populations, the setting up of governance bodies and training staff
for key roles, and information management.The book contains
insights gained from years of fieldwork in several countries and is
valuable reading for undergraduate and graduate students and
practitioners of health microinsurance. As a companion to the
author's first book, Financing Micro Health Insurance: Theory,
Methods and Evidence, this book provides the only current source of
information on implementing health microinsurance. The practical
guidelines to setting up and operating a microinsurance scheme are
accompanied by impact evaluation, chapter exercises and Issue
Briefs that present examples of using tools that are necessary for
successful implementation.
Climate change impacts-more heat, drought, extreme rainfall, and
stronger storms-have already harmed communities around the globe.
Even if the world could cut its carbon emissions to zero tomorrow,
further significant global climate change is now inevitable.
Although we cannot tell with certainty how much average global
temperatures will rise, we do know that the warming we have
experienced to date has caused significant losses, and that the
failure to prepare for the consequences of further warming may
prove to be staggering. Building a Resilient Tomorrow does not
dwell on overhyped descriptions of apocalyptic climate scenarios,
nor does it travel down well-trodden paths surrounding the politics
of reducing carbon emissions. Instead, it starts with two central
facts: climate impacts will continue to occur, and we can make
changes now to mitigate their effects. While squarely confronting
the scale of the risks we face, this pragmatic guide focuses on
solutions-some gradual and some more revolutionary-currently being
deployed around the globe. Each chapter presents a thematic lesson
for decision-makers and engaged citizens to consider, outlining
replicable successes and identifying provocative recommendations to
strengthen climate resilience. Between animated discussions of
ideas as wide-ranging as managed retreat from coastal hot-zones to
biological approaches for resurgent climate-related disease
threats, Alice Hill and Leonardo Martinez-Diaz draw on their
personal experiences as senior officials in the Obama
Administration to tell behind-the-scenes stories of what it really
takes to advance progress on these issues. The narrative is dotted
with tales of on-the-ground citizenry, from small-town mayors and
bankers to generals and engineers, who are chipping away at
financial disincentives and bureaucratic hurdles to prepare for
life on a warmer planet. For readers exhausted by today's
paralyzing debates on yearly "fluke" storms or the existence of
climate change, Building a Resilient Tomorrow offers better ways to
manage the risks in a warming planet, even as we work to limit
global temperature rise.
This expose of the US health care system uncovers the dark side of
physician practice. Using interviews with doctors and federal,
state and private officials, it reveals the practices of doctors
who profit from abortions on women who are not pregnant, of
needless surgery, overcharging for services and excessive testing.
The authors trace patterns of abuse to the inauguration of the
American Medicaid programme in the mid 1960s, when government
authorities, not individual patients, were entrusted with
responsibility for payments. Determining fees and regulating
treatment also became the job of government agencies, thus limiting
the doctors' traditional role. Physicians continue to disagree with
Medicare and Medicaid policies that infringe on their autonomy and
judgement. The medical profession has not accepted the gravity or
extent of some members' illegal behaviour, and individual doctors
continue to blame violations on subordinates and patients. In the
meantime, programme guidelines have grown more confusing, blocking
efforts to detect, apprehend and prosecute Medicaid defrauders.
Failure to institute a coherent policy for fraud control in the
medical benefit programme, the authors
Despite the importance of insurance in enabling individual and
collective social, economic, and financial activities, discussions
about the macroeconomic role and risks of insurance markets are
surprisingly limited. This book brings together academics,
regulators, and industry experts to provide a multifaceted array of
research and perspectives on insurance, its role and functioning,
and the potential systemic risk it could create. The first part
discusses the macroeconomic role of insurance and how insurance is
different from banking and general finance. Understanding the
differences between the balance sheets of insurers and other
financial intermediaries is essential for understanding the
potential differences in risk nature and optimal regulation. The
second part of the book focuses on the risks managed by the
insurance sector and the potential for systemic risk. The chapters
discuss the risks both on the asset and liability sides of
insurers' balance sheets. The third part of the book covers the
impact of regulation on insurance companies. Existing regulation is
often complex and has a large impact on insurance companies'
decision-making and functioning. The chapters also illustrate the
unintended consequences of various forms of regulation. The book
concludes with a summary of a survey that has been conducted in
collaboration with McKinsey, where insurance executives have been
asked about the risks and regulation in the insurance sector. The
survey provides guidance for future research on insurance markets.
Einen Tag theoretische Grundlagen, einen Tag Umsetzung in der
Praxis, direkt beim Kunden. Mit dieser einzigartigen und
erfolgreichen Seminarmethode vermittelt Hans-Georg Schumacher die
Hohe Kunst im Vertrieb: die direkte und selbststandige Ansprache
neuer Kunden. Vom unmittelbaren praktischen Bezug lebt auch sein
Buch. Dieser Leitfaden spricht die Versicherungssprache. Der Autor
bietet ein in langjahriger Praxis bewahrtes effektives
Akquisitionssystem - zur unmittelbaren Adaption und Anwendung - mit
nutzlichen Beispielen, Checklisten und Gesprachsleitfaden.
Insbesondere ein vollkommen neuer Ansatz im Empfehlungsmarketing
bietet dem Leser die Grundlage fur deutlich mehr Geschaft innerhalb
kurzester Zeit. Die dritte Auflage wurde aktualisiert; insbesondere
werden wichtige Aspekte aufgegriffen, die vom Vermittler aufgrund
der Versicherungsvermittlerverordnung zu beachten sind.
|
|