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Sharma, Neha, and Santi SwarupKandikonda. "A Comparative Study of Service Quality of Life Insurance Companies in IndiaA Comparative Study of Service Quality of Life Insurance Companies in India." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 9, no. 2 (April 30, 2014): 1572–84. http://dx.doi.org/10.24297/ijmit.v9i2.2779.
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The Indian Life Insurance sector has witnessed a major revamp in 1999 with the establishment of Insurance Regulatory and Development Authority (IRDA) and subsequent entry of Private sector players. These changes are affecting the way service is being delivered. Technology usage, new innovative product introduction and competition are seen as drivers of quality of service being provided to the customers.In this study using SERVQUAL model, we have examined the importance of service based on the 5 dimensions viz, Tangibles, Reliability, Responsiveness, Assurance and Empathy. Using 120 Life Insurance policy holders from 3 Life insurance companies in Agra the study identified that the gaps exist even after 15 years of privatization of this sector. The study indicated that a lot needs to be done for improving customer focus and services activity in the Life Insurance sector. Regular customer surveys with increased sample sizes across the country will enable the Insurance companies to fill the gaps
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Latorre Guillem, Miguel Angel. "The Customer Orientation Service of Spanish Brokers in the Insurance Industry: The Advisory Service of the Insurance Distribution Channel Bancassurance." Sustainability 12, no. 7 (April 8, 2020): 2970. http://dx.doi.org/10.3390/su12072970.
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This research focuses on the customer orientation of insurance brokers, whose activity is regulated by the Law on the mediation of private insurances and reinsurances. The goal is to ascertain whether the intermediation inherent in the insurance broker’s activity, which implies a customer-oriented service, entails a positive behaviour that transcends the immediate environment, reaching society. This study presents a comparative analysis between the insurance brokerage society, characterised by a personalised customer service, and banks’ advisory services on insurance. To this end, the study uses a sample of insurance brokerage firms in Spain. The results presented in this study suggest that the customer values the advisory service provided by the broker. However, for a particular business segment in standardized insurance products and products related to banking assets, customers are more likely to resort to the bank’s services. In addition, the results indicate that the commission percentages applied by the entities operating in the banking insurance channel exceed those perceived by the insurance broker. With all this, intermediation in the development of the insurer’s activity can entail social behaviour that involves customer-orientation and, possibly, social service and environmental performance.
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Sharma, Neha. "A Comparative Study of Service Quality of Life Insurance Companies in India." JOURNAL OF SOCIAL SCIENCE RESEARCH 4, no. 1 (May 28, 2014): 447–58. http://dx.doi.org/10.24297/jssr.v4i1.3280.
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The Indian Life Insurance sector has witnessed a major revamp in 1999 with the establishment of Insurance Regulatory and Development Authority (IRDA) and subsequent entry of Private sector players. These changes are affecting the way service is being delivered. Technology usage, new innovative product introduction and competition are seen as drivers of quality of service being provided to the customers. In this study using SERVQUAL model, we have examined the importance of service based on the 5 dimensions viz, Tangibles, Reliability, Responsiveness, Assurance and Empathy. Using 120 Life Insurance policy holders from 3 Life insurance companies in Agra the study identified that the gaps exist even after 15 years of privatization of this sector. The study indicated that a lot needs to be done for improving customer focus and services activity in the Life Insurance sector. Regular customer surveys with increased sample sizes across the country will enable the Insurance companies to fill the gaps.
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Shara, Made Cinthya Puspita. "Comparative Study on The Contribution Payment System in BPJS With A Tax System-Based Regulation In NHS." Sociological Jurisprudence Journal 4, no. 1 (February 25, 2021): 45–53. http://dx.doi.org/10.22225/scj.4.1.2308.45-53.
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The purpose of this paper is to examine the efficiencies of United Kingdom life insurance, which is regulated in the NHS with a tax-based funding system. The effectiveness of the Health Insurance System, will provide better health services for the people. Currently, there are still many complaints in the BPJS service system, such as late payments for hospitals and salaries for medical personnel. This study will use the comparative law method, by comparing the BPJS system in Indonesia with the NHS health insurance system in the UK. BPJS uses a monthly fee funding system, the amount of payment are depends on the types of class that BPJS participants has taken. Whereas the NHS only uses a tax-based funding system, where the use of this system can effectively meet all health service needs maximally. Based on the results of research on OECD countries, it is revealed that the tax-based social health insurance program tends to be more progressive and fair. Based on this comparative study, it is important for Indonesia to improve its health insurance system arrangements in order to adapt the tax-based funding system.
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Tazuddin, S. M. "Islamic Insurance vs. Conventional Insurance: A Comparative Case Study." International Journal of Innovative Science and Research Technology 5, no. 7 (August 16, 2020): 1349–53. http://dx.doi.org/10.38124/ijisrt20jul799.
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Insurance plays a very vital role in the modern world economic system. Because of its role in providing socio-economic prosperity and security to life and property it has been recognized as an essential service throughout the whole world. But one Islamic scholar declare the insurance as unislamic due to the elements of Gharer (uncertainty), Maisir (gambling) and Riba (interest) involved in the operation of insurance contract. According to a saying of the Holy prophet (SM), “which he told to a Bedouin Arab, who left his camel unchained to the will of Allah,” tie the camel and then leave it to the will of Allah.” In another hadith the prophet (SM) advised to help one another in furthering virtue and God consciousness and do not help another in furthering evil and enmity. In view of these hadiths it’s established that concept of insurance does not contradict with shariah. Though the sharia support the insurance but not conventional insurance.
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Kumar, Dr Rohit, and Dr Manjit Singh. "Using Servqual Model For Comparative Service Quality Analysis Of The Indian Non-Life Insurance Sector." Paradigm 14, no. 2 (July 2010): 56–63. http://dx.doi.org/10.1177/0971890720100207.
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Delivering of quality services to the customers has become an indispensable factor for success and survival in today’s competitive insurance environment. The post-liberalized insurance industry in India has been witnessing a discernible shift from the seller to the buyers’ market. The present study is an endeavor to assess the comparative service quality level of the Government owned and Private Sector Non-life Insurance Companies in the post liberalized environment using SERVQUAL approach. For analyzing the customers’ perception and expectation towards service quality of non-life insurance companies, a modified SERVQUAL type questionnaire relevant to the insurance industry was constructed. An attempt has been made to examine the significant gap between the service quality of government owned and private sector non-life insurance companies by using t-test on the gaps (P-E) on all the items of seven dimensions.
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Wafik, Doaa, and Assem Tharwat. "Investigating Growth Indicators for Insurance Companies in UAE before recession (Comparative Study)." International Journal of Business Administration and Management Research 1, no. 1 (June 15, 2015): 7. http://dx.doi.org/10.24178/ijbamr.2015.1.1.07.
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Insurance Companies provide coverage in the form of compensation resulting from loss, damages, injury, treatment or hardship in exchange for premium payments. Insurance as an industry involves pooling fundsfrom many insured entities (known as exposures) to pay for the losses that some may incur. Insurance asa financial intermediary is a commercial enterprise and a major part of the financial services industry. The Growth of insurance companies usually measured through certain Indicators such as the increment percentage in: net profit, total premium written, shareholders equity, total assets, net underwriting income, and net investment.Insurance industry established in UAE at early 70th of the last century (the first insurance company was El Sharjah Company which established at 1970). Now (after almost 40 years) there are more than sixty insurance companies playing a crucial role in both the UAE financial market and society.In this article the net profit, and total premium written growth indicators will be investigated for a selected group of insurance companies in UAE. Using the descriptive statistical tools, the graphical presentations and the control chart, a comparative study is performed among the selected group of insurance company based on the discussed indicators to evaluate their financial performance during the period of study.
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Warsani Purnama Sari. "Asset Growth on Sharia Insurance." Britain International of Humanities and Social Sciences (BIoHS) Journal 2, no. 1 (February 10, 2020): 172–78. http://dx.doi.org/10.33258/biohs.v2i1.167.
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Examining the Premium Income Rate on Asset Growth in a Sharia Insurance Company registered with the Indonesian Financial Services Authority. The type of research used in this study is Comparative Causal, while the sample used in this study are 20 sharia insurance companies with the criteria of sharia insurance companies that are actively operating for the last three years. The results of this study indicate that the level of premium income positively and significantly affect the growth of asset Asuransi Syariah. This study is concerned with the level of premium income that affects the growth of Sharia Insurance assets in Indonesia.
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Yadav, Rajesh K., and Sarvesh Mohania. "Claim Settlement Process of Life Insurance Policies in Insurance Services - A Comparative Study of LIC of India and ICICI Prudential Life Insurance Company." International Letters of Social and Humanistic Sciences 49 (March 2015): 21–29. http://dx.doi.org/10.18052/www.scipress.com/ilshs.49.21.
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For the purpose of covering up financial risk along with better return on the investment, Life insurance coverage is taken up. Claims are filed at the time of maturity or in case of death/disability. The study focuses on the claim settlement process of life insurance services of LIC of India and ICICI prudential life insurance company. With the increasing market due to increasing number of policies, numbers of claims are also increasing in both the companies. Therefore it is very much essential to have simple and clear claim settlement process. The study is based on the secondary data collected from IRDA and research papers from various journals. The study concluded that in both LIC of India and ICICI prudential life insurance company are following proper claim settlement process. LIC of India claim settlement process is very much efficient but not that transparent and approachable as claim settlement process of ICICI Prudential Life Insurance Company. ICICI Prudential Life Insurance Company with their preference to customers, setting standards by claim settlement process and continues to lead private life insurance sector.
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Atnafu, Desta Debalkie, Hiwot Tilahun, and Yihun Mulugeta Alemu. "Community-based health insurance and healthcare service utilisation, North-West, Ethiopia: a comparative, cross-sectional study." BMJ Open 8, no. 8 (August 2018): e019613. http://dx.doi.org/10.1136/bmjopen-2017-019613.
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ObjectivesThe objective of this study was to compare differences in healthcare utilisation between community-based health insurance member households and non-member households and to identify factors for community-based health insurance enrolment in South Achefer District.DesignComparative, cross-sectional study.SettingsCommunity-based.ParticipantsA total of 652 selected households (326 insured and 326 uninsured households) participated in the study.MethodsA two-sample t-test (for proportions) and χ2(for categorical data) were computed.Main outcome measureUtilisation of healthcare.ResultsThere was a significant difference in the rate of healthcare utilisation between insured (50.5%) and uninsured (29.3%) households (χ2=27.864, p<0.001). Significant variations of enrolment status in community-based health insurance were observed in the following variables: educational status, family size, occupation, marital status, travel time to the nearest health institution, perceived quality of care, first choice of place for treatment during illness and expected healthcare cost of a recent treatment.ConclusionsUtilisation of health services among insured households with community-based health insurance was higher. Educational status, family size, occupation, marital status, travel time to the nearest health institution, perceived quality of care, first choice of place for treatment during illness and expected healthcare cost of a recent treatment should be emphasised to enhance community health insurance enrolment.
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Tefera, Bekele Belayihun, Mengistu Asnake Kibret, Yordanos B. Molla, Girma Kassie, Aynalem Hailemichael, Tarekegn Abate, Hailu Zelelew, et al. "The interaction of healthcare service quality and community-based health insurance in Ethiopia." PLOS ONE 16, no. 8 (August 19, 2021): e0256132. http://dx.doi.org/10.1371/journal.pone.0256132.
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Community-based health insurance (CBHI) as a demand-side intervention is presumed to drive improvements in health services quality, and the quality of health services is an important supple-side factor in motivating CBHI enrollment and retention. There is, however, limited evidence on this interaction. This study examined the interaction between quality of health services and CBHI enrollment and renewal. A mixed-method comparative study was conducted in four agrarian regions of Ethiopia. The study followed the Donabedian model to compare quality of health services in health centers located in woredas/districts that implemented CBHI with those that did not. Data was collected through facility assessments, client-exit interviews, and key informant interviews. In addition to manual thematic analysis of qualitative data, quantitative descriptive and inferential analyses were done using SPSS vs 25. The process related (composite index including provider-client interpersonal communication) and outcome related (client satisfaction) measures of service quality in CBHI woreda/districts differed significantly from non-CBHI woredas/districts, but there were no significant differences in overall measures of structural quality between the two. The study found better diagnostic test capacity, availability of tracer drugs, provider interpersonal communication, and service quality standards in CBHI woredas. A higher proportion of clients at CBHI health centers gave high ratings of overall satisfaction with services. Individual and household factors including family size, age, household health care-related expenditures, and educational status, played a more significant role in CBHI enrollment and renewal decisions than health service quality. Key-informants reported in interviews that participation in the scheme increased accountability of health facilities in CBHI woredas/districts, because they promised to provide quality services using the CBHI premium collected at the beginning of the year from all enrolled households. This study indicates a need for follow-up research to understand the nuanced linkages between quality of care and CBHI enrollment.
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Alshammari, Ahmad Alrazni, Syed Musa Syed Jaafar Alhabshi, and Buerhan Saiti. "A comparative study of the historical and current development of the GCC insurance and takaful industry." Journal of Islamic Marketing 9, no. 2 (June 11, 2018): 356–69. http://dx.doi.org/10.1108/jima-05-2016-0041.
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Purpose This paper aims to present a comparative examination of the historical and current profiles of the insurance and takaful industry in the Gulf region. Meanwhile, it will provide overview and insightful information of Gulf Cooperation Council (GCC) countries for insurance and takaful providers for their marketing strategy purpose. Design/methodology/approach This paper uses insurance and takaful sectors in Gulf region as an exploring area where the data are extracted from the regulators’ annual reports and other reports issued by research houses and market players, e.g. Islamic Financial Services Industry, Swiss Re and Milliman. Findings The comparative analysis reveals that insurance activities penetrated the Gulf region through foreign institutions. After independence and booming oil prices, local institutions established the industry in an unregulated environment. As the industry grew and matured, the sector gradually became regulated. This supported the growth of the industry, leading to the emergence of the biggest takaful market in the world, with 72 takaful operators. Almost half of the takaful operators operate in the Saudi market. Regarding business lines, general lines dominated because of compulsory motor insurance for all cars and health insurance for expatriates. Insurance penetration and insurance density recorded a low figure in GCC compared to the global market because of a lack of product development, especially in family line, which many people think the life insurance contradicts Islamic law. Furthermore, it is low due to the poor channel of distributions with depend heavily on insurance agents that fails to reach the customers. Research limitations/implications Interestingly, the takaful market share is considered very low, e.g. 9 per cent in Oman 9 and 9.2 per cent in UAE, where the majority of population is Muslim, indicating that takaful providers should focus in these countries to grab better market shares. Originality/value As takaful business is an emerging area in Islamic finance and many insurance players are interested in it, this paper provides an overview and marketing insights of insurance and takaful industries in the GCC region.
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Klapkiv, Yuriy, Volodymyr Svirskyi, and Roman Shchur. "THE ANALYSIS OF CURRENT TRENDS IN THE INSURANCE SEGMENT OF THE FINANCIAL MARKET OF UKRAINE." INNOVATIVE ECONOMY, no. 3-4 (2021): 130–39. http://dx.doi.org/10.37332/2309-1533.2021.3-4.19.
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Purpose. Analysis of the state of the insurance services market of Ukraine, identification of the main problems of its development in modern conditions and determination of directions for improving the functioning of the insurance services market in Ukraine. Methodology of research. The scientific and methodological basis for the article are scientific works, monographs, materials of professional publications, Internet resources. During the research the methods of analysis and synthesis, system-functional method and method of comparative studies were used, with the help of which most modern tendencies, phenomena and processes in the market of insurance services are explained. Findings. The article is devoted to current trends of the insurance in Ukraine. The study examines the main trends in its development during 2016-2020. The dynamics of the number of insurance companies, the main indicators of insurers, the structure of gross and net insurance premiums of domestic insurers, reinsurance indicators are analyzed. Based on a dataset of Ukrainian insurance industry, we analyse the impact of transformation of the insurance sector. Based on the analysis, the main problems of the insurance services market of Ukraine are identified and proposals for improving its development are formulated. The results illustrate major tasks the industry is facing: enhancing the customer experience, improving its business processes, offering new products, and preparing for competition with other industries, imperfection of regulatory regulation of the insurance sector; underdevelopment of the life insurance segment and other types of insurance (agricultural, environmental, catastrophic risks and life insurance, cyber risks); low solvency of potential consumers of insurance services, low level of capitalization of insurance companies, lack of insurance culture, distrust of the insurance institution; fraud and neglect of the rights of policyholders by some insurance companies; low financial literacy of policyholders. Moreover, we identify key areas of change of the insurance services market of Ukraine: creation of a centralized online database of insurance contracts; improving the system of taxation of insurance activity; adaptation of Ukrainian legislation in the field of insurance to EU legislation; introduction of high technologies in insurance services; improvement of marketing management; creation of an export insurance system by establishing a special organization for export insurance and financing; introduction of insurance culture and traditions. Originality. A comprehensive approach to the analysis of the state of the insurance market as an important component of the financial sector of the economy with most of its inherent characteristics, functions and principles; economic space in which institutional units for the implementation of insurance services interact; a set of orderly cash flows between the subjects of the insurance market. Practical value. The results of the study can be the basis for further research to systematically address practical problems in this area, development and implementation of measures aimed to achieve accelerated progressive development of the insurance market to ensure socio-economic growth. Key words: insurance, insurance services, insurance services market.
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Prymostka, Olena. "Life insurance companies marketing strategy in the digital world." Insurance Markets and Companies 9, no. 1 (October 2, 2018): 70–78. http://dx.doi.org/10.21511/ins.09(1).2018.06.
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The research is aimed to evaluate the internet marketing strategies in of life insurance companies in Ukraine. The insurance service in the time of digitalization faces scenarios of implementation in the marketing strategy on-line component. The main challenge for Ukrainian life insurance companies comparatively with the world practice is non-obligatory status of such kind of insurance contracts. So, on the one hand, costs of operation, regulatory pressures and inflexible technology infrastructure are increasing, and, on the other hand, economic recession does not allow to increase the number of insured persons, premiums and profit growth.Sector of financial services is characterized by an increase in the level of competition, life insurance compelled to compete with pensions funds, banks and other financial institutions in order to defend their market share. Insurance companies marketing strategy determines how an insurer can best achieve its goals and objectives, keep existing customers and attract new ones with minimal costs.Keeping all the above problems around the study would attempt to study all the factors that contributed to the effective marketing strategies. This paper presents different marketing strategies that are taken up in life insurance services keeping in view external and internal environment of the company.
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Kwon, Sun-Hong, Eun-Hae Sohn, and Hye-Lin Kim. "A Comparative Study on Health Insurance Fees Related to Community Pharmacists’ Services in Korea and Japan." Yakhak Hoeji 65, no. 1 (February 28, 2021): 10–16. http://dx.doi.org/10.17480/psk.2021.65.1.10.
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Kohli, Richie, Sonya Howk, and Melinda M. Davis. "Barriers and Facilitators of Dental Care in African-American Seniors: A Qualitative Study of Consumers’ Perspective." Journal of Advanced Oral Research 11, no. 1 (March 18, 2020): 23–33. http://dx.doi.org/10.1177/2320206819893213.
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Objective: To identify African-American seniors’ perceptions of the barriers and facilitators to their dental care. Materials and Methods: In this cross-sectional qualitative study, we conducted in-depth interviews with 16 community-based, self-identified African-American seniors from March 2017 to August 2017 in Oregon. We coded data in ATLAS.ti and used thematic analysis to identify emergent themes within the social ecological framework and a cross-case comparative analysis to explore variation by participant characteristics. Results: Regardless of dental insurance status, cost and perceived urgency of treatment were the primary drivers of participant’s ability and interest in seeking dental care. Participants identified four solutions to improve oral health care in African-American seniors: affordable/free care and vouchers for dental work, better oral health education at a younger age, onsite community dental services, and navigators who can educate patients about insurance and dental providers who see low-income patients. Conclusions: Oral health decisions by African-American seniors were primarily driven by cost and perceived urgency irrespective of insurance coverage. Affordable dental care, early intervention, on-site services, and navigation may help to address key barriers and reduce oral health disparities faced by African-Americans.
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Deynega, Hromozdova, and Lapko. "Improvement of the tourist insurance system in Ukraine." Problems of Innovation and Investment Development, no. 23 (April 10, 2020): 112–27. http://dx.doi.org/10.33813/2224-1213.23.2020.12.
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The purpose of the article is to theoretically substantiate and improved travel insurance systems in Ukraine in accordance with international insurance standards. Methodology.The research methodology consists in the use of general scientific and special research methods: the method of theoretical generalization and comparison, hermeneutic – to study the legal aspects of insurance services in the field of in- ternational tourism, comparative – to identify differences between: foreign and domestic insurance practices in international tourism. The scientific novelty of theobtained results lies in the substantiated expediency of introducing internationalexperience in the organization of the tourism insurance system in Ukraine. The mechanism of introduction of the international experience of the organization of system of insurance of tourism in Ukraine is offered. Conclusions. The study of the essence and concept of insurance in the field of tourism, allowed to determine the specifics of insurance activities in Ukraine. The article presents an analysis of the problems of travel insurance in Ukraine, improved the system of tourism in- suranceinUkraine,inaccordancewithinternationalinsurancestandards.
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Kim, Kyung Ha, Rah Il Hwang, Ji Won Yoon, Ki-Jin Ryu, and Soon-Cheol Hong. "A comparative study on the obstetric services utilization by income classes among the National Health Insurance Beneficiaries." Korean Journal of Obstetrics & Gynecology 55, no. 11 (2012): 804. http://dx.doi.org/10.5468/kjog.2012.55.11.804.
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Costello, Graham I., and Jörg H. Tuchen. "A Comparative Study of Business to Consumer Electronic Commerce within the Australian Insurance Sector." Journal of Information Technology 13, no. 3 (September 1998): 153–67. http://dx.doi.org/10.1177/026839629801300302.
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Electronic commerce is causing fundamental changes in the insurance sector. Inherent opportunities of this innovative sales channel are driving the development of a new customer relationship paradigm, development of new products, pursuit of low cost ‘self service’ strategies, and emergence of ‘virtual brokers’. The Australian insurance sector is well positioned to take advantage of electronic commerce due to the high level of PC penetration, high Internet usage, and extensive broadband infrastructure. The perception is that the Australian insurance sector is meeting these challenges. Surprisingly, despite the emergence of electronic commerce as a ‘hot topic’ in the information technology and insurance sector literature, little empirical research has been reported. Much of the extant literature can be criticized as being too generic and superficial. It is argued that until research is focused on specific aspects of electronic commerce, we will fail to capture meaningful insights. The aim of this research project is to develop a research framework appropriate for electronic commerce, research and to apply it to a specific sector (insurance), in a specific geographical region (Australia), using a specific electronic commerce, medium (Internet), for a specific purpose (business to consumer sale of risk products). The research objective is to discover which Australian insurance companies are using electronic commerce for what. The survey found that of the 21 largest Australian insurance companies only 18 have web sites. These sites are mainly used for promotional purposes and not for directly generating sales. Only six companies offer customer-specific pricing of their products. And of these, only four companies sell any of their products over the Internet. Paradoxically, despite pressing business drivers in the insurance sector and a favourable electronic commerce environment in Australia, these findings demonstrate a significant gap between appreciation of the importance of electronic commerce and realization of commercial potential. Whilst most Australian insurance companies are well aware of the special importance of electronic commerce, many fail to take full advantage. Although further qualitative research is recommended to understand why this is so, it is clear that a significant gap remains between the technical capabilities of electronic commerce and actual practice in the Australian insurance sector.
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Iravani, Mohsen, Leila Riahi, Kianoush Abdi, and Seyed Jamaledin Tabibi Seyed. "A Comparative Study of the Rehabilitation Services Systems for People With Disabilities." Journal of Rehabilitation 21, no. 4 (January 1, 2021): 544–63. http://dx.doi.org/10.32598/rj.21.4.3225.1.
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Objective: Providing desirable rehabilitation services to people with disabilities has always been one of the most critical concerns of the health system in all countries. Today, it is crucial for policymakers and health care providers to recognize the different systems for providing rehabilitation services to people with disabilities. In this regard, it is beneficial to conduct comparative studies and use successful countries’ experiences in this subject. This comparison-analytical study aimed to compare the systems for providing rehabilitation services to people with disabilities. Materials & Methods: This comparative study was conducted in nine countries in 2020. To determine the comparison framework in this research, four dimensions of health systems’ functions were used based on the 2000 report of the World Health Organization. The countries were compared in dimensions of stewardship, resource production, financing, and service provision. Findings obtained from each country were presented separately in the comparative tables. The model used in this comparative study was based on the Beredy Model that contains four stages of description, interpretation, proximity, and comparison. In the present study, the purposive sampling method was used. The statistical population included rehabilitation systems globally, and the research examples were Iran, China, Turkey, India, the USA, Mexico, Germany, England, and South Africa. Criteria for entering the research according to the functional model of the World Health Organization were the availability of data and selecting at least one country from each continent of America, Europe, Asia, and Africa. Results: The findings showed that in Iran, the Welfare Organization was responsible for providing rehabilitation services for people with disabilities, while in other countries, it was the Ministry of Health. Also, to compare resource production, two staff training indicators and access to comprehensive national data were used. In all countries studied, the training of specialized human resources is done through the university system. Iran, India, and Mexico did not have full access to comprehensive national data, but the United States, Germany, China, South Africa, and Turkey provided the platform for planning and policy-making. Moreover, funding in Germany, the United States, China, and Turkey is mainly provided through the insurance system. In the United Kingdom, it is mainly provided through tax, but in Iran, it is provided through subsidies from the public revenues and taxes. Finally, besides the private sector, rehabilitation services in Iran’s public sector were provided incoherently by various organizations. Some of these organizations are the Ministry of Health and Medical Education, the Exceptional Education Organization, the Red Crescent, the State Welfare Organization, and the Martyrs and Veterans Affairs Foundation, while in other countries, these services are often provided through hospitals and the private sectors. Conclusion: Despite the numerous strengths in the system of providing rehabilitation services to the disabled in Iran, the integration of the rehabilitation sectors of various organizations within the Ministry of Health not only increases the inter-sectoral and intra-sectoral coordination, the coherence of management, and unified policy, but also leads to reduced costs, proper allocation of resources and increased financial resources in this sector. Besides, it leads to a reduction in overlapping tasks and responsibilities and prevention of duplication of work, training of specialized personnel based on the needs, and finally providing more desirable services. Therefore, policymakers and planners must review and reform the laws and processes to form a system for providing rehabilitation services to the disabled in Iran.
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Chavez, Leo R., F. Allan Hubbell, Shiraz I. Mishra, and R. Burciaga Valdez. "Undocumented Latina Immigrants in Orange County, California: A Comparative Analysis." International Migration Review 31, no. 1 (March 1997): 88–107. http://dx.doi.org/10.1177/019791839703100105.
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This article examines a unique data set randomly collected from Latinas (including 160 undocumented immigrants) and non-Hispanic white women in Orange County, California, including undocumented and documented Latina immigrants, Latina citizens, and non-Hispanic white women. Our survey suggests that undocumented Latinas are younger than documented Latinas, and immigrant Latinas are generally younger than U.S.-citizen Latinas and Anglo women. Undocumented and documented Latinas work in menial service sector jobs, often in domestic services. Most do not have job-related benefits such as medical insurance. Despite low incomes and likelihood of having children under age 18 living with them, their use of public assistance was low. Undocumented and documented Latina immigrants lived in households that often contained extended family members; they were more likely than other women in the study to lack a regular source of health care, to utilize health clinics, public health centers, and hospital emergency rooms rather than private physicians or HMOs, and to underutilize preventative cancer screening services. Despite their immigration status, undocumented Latina immigrants often viewed themselves as part of a community in the United States, which significantly influenced their intentions to stay in the United States. Contrary to much of the recent public policy debate over immigration, we did not find that social services influenced Latina immigrants’ intentions to stay in the United States.
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Matthewman, Spencer, Sarah Spencer, M. Ruth Lavergne, Rita K. McCracken, and Lindsay Hedden. "An Environmental Scan of Virtual “Walk-In” Clinics in Canada: Comparative Study." Journal of Medical Internet Research 23, no. 6 (June 11, 2021): e27259. http://dx.doi.org/10.2196/27259.
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Background Canada has been slow to implement virtual care relative to other countries. However, in recent years, the availability of on-demand, “walk-in” virtual clinics has increased, with the COVID-19 pandemic contributing to the increased demand and provision of virtual care nationwide. Although virtual care facilitates access to physicians while maintaining physical distancing, there are concerns regarding the continuity and quality of care as well as equitable access. There is a paucity of research documenting the availability of virtual care in Canada, thus hampering the efforts to evaluate the impacts of its relatively rapid emergence on the broader health care system and on individual health. Objective We conducted a national environmental scan to determine the availability and scope of virtual walk-in clinics, cataloging the services they offer and whether they are operating through public or private payment. Methods We developed a power term and implemented a structured Google search to identify relevant clinics. From each clinic meeting our inclusion criteria, we abstracted data on the payment model, region of operation, services offered, and continuity of care. We compared clinics operating under different payment models using Fisher exact tests. Results We identified 18 virtual walk-in clinics. Of the 18 clinics, 10 (56%) provided some services under provincial public insurance, although 44% (8/18) operated on a fully private payment model while an additional 39% (7/18) charged patients out of pocket for some services. The most common supplemental services offered included dermatology (15/18, 83%), mental health services (14/18, 78%), and sexual health (11/18, 61%). Continuity, information sharing, or communication with the consumers’ existing primary care providers were mentioned by 22% (4/18) of the clinics. Conclusions Virtual walk-in clinics have proliferated; however, concerns about equitable access, continuity of care, and diversion of physician workforce within these models highlight the importance of supporting virtual care options within the context of longitudinal primary care. More research is needed to support quality virtual care and understand its effects on patient and provider experiences and the overall health system utilization and costs.
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Aleksandrov, Vadym, Pavlo Rubanov, and Madi Mazhed Eisa. "Problems of implementation of compulsory health insurance in Ukraine." Health Economics and Management Review 2, no. 1 (2021): 76–88. http://dx.doi.org/10.21272/hem.2021.1-08.
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This article summarizes the arguments and counterarguments within the scientific discussion on health care financing by introducing compulsory health insurance in Ukraine and improving voluntary one. The study’s primary purpose is to theorize and determine the main directions and recommendations for implementing compulsory health insurance in Ukraine. Systematization of scientific background concerning the study problem showed that Ukrainian national and municipal health care institutions didn’t provide free medical care in the amount and quality guaranteed by the Constitution of Ukraine. Therefore, the relevance of solving this scientific issue is the necessity of comprehensive health care reforming (especially funding) considering compulsory health insurance. To achieve this goal, the study was conducted in the following logical sequence: analyzing models, historical experience, and a hybrid budget insurance system of health care financing; identifying the Ukrainian health insurance features during the pandemic in 2020; clarifying the problems of health insurance development in Ukraine and the world; analyzing and considering the theoretical base on solving health insurance issues; retrospective analysis of the three-level insurance model; developing the practical recommendations for improving the mechanisms of compulsory health insurance implementation. The methodological tools of the study were the methods of dialectical scientific knowledge, systematic approach, statistical and comparative analysis, a review of scientific background, regulatory framework, and insurance companies’ reports. The study involves data for 2002-2021. The object of the study is the health insurance system and state mechanisms for regulating compulsory and voluntary health insurance in Ukraine. The obtained results showed that the introduction of compulsory health insurance in Ukraine addressed the expanding availability of medical services to the general population and attracting additional resources in health care. The study empirically confirms and theoretically proves that the Ukrainian government should determine the main health services provided and the insurance premium amount, coordinate the interaction between insurance parties, resolve conflict situations, provide the legal basis for the system functioning, control financial flows and activity insurance fund. The study results can be helpful for insurance market professionals, financiers, and economists in the health care industry, researchers, and students of economic specialties.
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Wijayanti, Silvana Kardinar, and Barry Ramsay. "Life Insurance Take-Up Rate Influencing Factors Comparison between Malaysia and Japan." International Journal of Business and Social Research 6, no. 7 (August 20, 2016): 37. http://dx.doi.org/10.18533/ijbsr.v6i7.975.
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<p>This study will investigate the factors that influence take-up rates within the Malaysian Life Insurance industry to discover potential opportunities and limitations. For comparative purposes, the study is modelled on <a title="Power J.D. (2013) 2013 Japan Life Insurance Contract Customer Satisfaction (Pre-Purchase and Post-Purchase) Study, Retrieved from: http://www.jdpower.com/ [Accessed 24 April 2016]." href="file:///C:/Users/HP/Dropbox/Issues_IJBSR/Issues_IJBSR/IJBSR_July_2016/4_IJBSR_975-06072016_Upload.docx#Power">Power (2013)</a> who examined four factors affecting customer satisfaction in life insurance in Japan (product, price, customer services and procedures and documentation). This study is exploratory in nature using both secondary research and primary data from questionnaires. The main finding was “Product offerings” being the most significant variation, both an opportunity and limitation, due to the relative maturity, experience and changing trends within the insurance market of Japan, conversely growth, infancy and different dynamics in Malaysia.</p>
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Shevchuk, Oleksandr, Volodymyr Maryniv, Yuliia Mekh, Oleksandra Shovkoplias, and Oksana Saichuk. "Aspects of legal regulation of the provision of medical services." Revista Amazonia Investiga 9, no. 27 (March 21, 2020): 357–66. http://dx.doi.org/10.34069/ai/2020.27.03.39.
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The article focuses on the need to respect human rights in the provision of medical services in Ukraine. It is strictly unacceptable to restrict citizens of Ukraine in receiving free medical services, since such a right is provided for by Art. 49 of the Constitution of Ukraine. It is proposed to consider that a medical service includes all types of medical care and is a special activity in relation to human health. The concept and main signs of medical services are revealed, it is established that the state, local governments, legal entities and individuals, including the patient, can be the customer of medical services. Ukrainian legislation governing the provision of medical services does not meet international standards. The positive experience of the EU countries (France, Denmark, Slovakia) and the world (Australia, Canada) shows that access to medical services is provided within the framework of medical insurance, in most cases free of charge, and is controlled by authorized state organizations. The purpose of the article is to determine the content, signs of medical services, classification criteria for their subjects, disclose the features of their legal regulation, clarify the problems of legalization of medical services and improve legislation taking into account foreign experience. The research methodology is based on a systematic approach, which is determined by the specifics of the topic of the article, and is also associated with the use of general and special research methods. The comparative legal method and the method of legal analysis were used in the study of legislative rules governing the provision of medical services. Using the method of legal analysis, groups of subjects of medical legal relations in the field of medical services are determined and their powers are analyzed. The formal logical method was used to differentiate the criteria for distinguishing between the legal structures “medical care” and “medical service”. The results of the study contributed to the identification of certain legal problems that arise when citizens receive medical services and require immediate resolution. It is also advisable to introduce compulsory state health insurance.
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Tretiak, Kateryna, and Vitaliia Demchenko. "Development of life insurance market in Ukraine." INNOVATIVE ECONOMY, no. 3-4 (May 2020): 169–74. http://dx.doi.org/10.37332/2309-1533.2020.3-4.24.
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Purpose. The aim of the article is to study the main problems faced by the domestic life insurance market, substantiation of the negative impact and identification of opportunities for its future development. Methodology of research. The research is based on scientific and practical developments of scientists and specialists. The following methods are used to achieve this purpose, among them are analytical (when analyzing the main components of the life insurance market); generalization (when compiling data on the assessment of the life insurance services segment functioning in order to identify patterns of its trends); evaluation and inference (to summarize the subject of the research). Findings. Insurers’ dynamics in the domestic insurance market in recent years in terms of their numbers have been analyzed; an assessment of the structure in terms of gross and net insurance premiums and payments has been substantiated. The comparative characteristics of digital indicators of the Ukrainian and European life insurance markets have been considered. The issue of inclusion of insurance services in social programs and urgent deterrents of its solution in Ukraine has been studied. The advantages and disadvantages of life insurance areas (the accumulative pension, the insurance against accidents at work) have been analyzed. An assessment of the composition of the social package in the Ukrainian insurance market and the importance of each component, namely the basic social guarantees and additional material benefits, taking into account the available potential has been done. Originality. Theoretical and practical foundations of life insurance market development have been deepened on the basis of cooperation between the state, which at the same time assumes responsibility for maintaining the minimum income of all citizens, and also maximally stimulates the development of various forms of non-state insurance in order to save life, health and income. Practical value. The results of the research can be the basis for future scientific exploration in the field of effective development and functioning of the life insurance market. Key words: insurance, life insurance, accumulative pension insurance, insurance of working accidents, life insurance market.
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Istianah, Istianah, and Johanna Debora Imelda. "THE SOCIAL PROTECTION RIGHTS FROM PRE & POST-PLACEMENT WOMEN MIGRANT WORKERS PERPECTIVE." Indonesian Journal of Social Work 4, no. 1 (September 20, 2020): 1–13. http://dx.doi.org/10.31595/ijsw.v4i1.288.
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Migrant workers’ social protection rights include the rights to access healthcare services, medication, social services, and social security. Social security branch applicable for migrant workers are for instance social insurance, universal coverage, provident funds, individual private accounts, employer-liability schemes, and social assistance. Indramayu as the highest migrant workers sender district until April 2019, is also a district with the highest complaint in 2018 and several cases related to social protection. With 148 total cases reported from Indramayu leads to the question of whether women migrant workers from Indramayu understand social protection and its function to protect them and prevent them from poverty. Therefore, this study aims at providing an overview pertaining social protection rights to migrant workers based on the perspective of pre and post-placement women migrant workers from Indramayu District with Hongkong, China as the host country. This is historical-comparative qualitative study with purposive sampling to 10 pre and post-placement women migrant workers. The findings demonstrated that social security obtained by the women migrant workers from Indramayu is social insurance from the home country and healthcare insurance for workers from the host country. At the host country, women migrant workers are protected with healthcare insurance from the employer while at the home country, women migrant workers are protected with social insurance for migrant workers known as BPJS Ketenagakerjaan TKI, whose occupational injury and death insurance schemes are mandatory for all migrant workers. For women migrant workers, healthcare insurance in the host country is much more crucial than BPJS for TKI. It is expected from the findings of this study could be considered by the stakeholders of migrant workers to enhance and to extend the coverage of protection for migrant workers especially woman migrant workers.
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Dyagel, Oksana Yurievna. "EVALUATION OF THE COST-EFFECTIVENESS OF THE PUBLIC SECTOR SERVICES: VARIABILITY OF THE METHODOLOGICAL TOOLS." Krasnoyarsk Science 8, no. 4 (December 25, 2019): 34–48. http://dx.doi.org/10.12731/2070-7568-2019-4-34-48.
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The purpose of the article was to reveal the analytical tools for evaluating the effectiveness of the allocated financing funds for the provision of the services provided in the public sector of the economy, the application of which does not have a uniform methodology today. The possibility to solve this issue is shown with regard to the compulsory health insurance system. To achieve the goal, the study reveals the definition of such categories as “effect” and “efficiency” of the medical institutions activities, “efficiency of spending” of the Territorial Fund for Compulsory Health Insurance. There is revealed the analytical significance of the existing methodological approaches to assessing the effectiveness of health care costs; their comparative analysis is carried out. Based on the results, the alternative is proposed, based on the system of the cost-effectiveness indices to achieve the health, social and economic effects of medical institutions; the analytical advantages of the alternative proposed are justified.
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Satapathy, Sushree Priyadarsini, Nivedita Karmee, Durga Madhab Satapathy, and Radha Madhab Tripathy. "Out of pocket expenditure among Rashtriya Swasthya Bima Yojana beneficiary and non-beneficiary patients admitted to a tertiary care centre, Berhampur, India: a comparative study." International Journal of Advances in Medicine 6, no. 2 (March 25, 2019): 376. http://dx.doi.org/10.18203/2349-3933.ijam20191144.
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Background: RSBY, a health insurance scheme, was launched by the Indian government to protect BPL families from incurring financial liabilities which are likely to occur due to hospitalization. Objectives was to compare over all OOPE among RSBY beneficiaries and non-beneficiaries and to estimate its extent during hospitalization in different domains among RSBY beneficiaries and non-beneficiaries.Methods: It was a cross-sectional study conducted for 2 months (January-February 2018) among BPL families residing in Ganjam district, Odisha. Multistage random sampling was done. Total sample size was 256, the number of beneficiaries and non beneficiaries taken was 128 each.Results: Non beneficiaries incurred higher overall OOPE higher i.e. 95.3% than the Beneficiaries and it was found to be statistically significant with x²=74.8 and P-value <0.001. Among beneficiaries out of pocket expenditure was found in 46.1% of the study population. 45.3% of beneficiaries had to borrow partially from friends and relatives to fulfil their hospital related expenses followed by 32% borrowing fully for their treatment. Among beneficiaries, most out of pocket expenditure was for life support services as they sought treatment mostly for surgical conditions.Conclusions: Health insurance coverage should be improved by increasing enrolment. People should be made aware about the services covered under the schemes.
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Florescu, S. A., S. Lazar, C. Oprea, A. Motoc, D. Codreanu, A. G. Kosa, and E. Ceausu. "TREATMENTS OF HEPATITIS C VIRUS LIVER CIRRHOSIS WITH PEGYLAT INTERFERON-RIBAVIRIN AND INTERFERON FREE – COMPARATIVE STUDY." Romanian Journal of Infectious Diseases 19, no. 4 (December 31, 2016): 218–21. http://dx.doi.org/10.37897/rjid.2016.4.1.
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The article describes the adverse effects and efficiency of hepatitis C virus liver cirrhosis treatments available through the National Health Insurance Services, on a population of patients hospitalized at Victor Babes Infectious and Tropical Diseases Hospital, from 2012 to 2016. The population of patients was split into two distinct groups, for which we’ve recorded and comparatively analyzed demographic, clinical and paraclinical characteristics in a database. An evident success was recorded, from the point of view of hitting a clinical SVR index, in the DAA therapy group A, 87% percent compared to 2% in group B for the traditional standard therapy of PegInterferon + Ribavirin. Likewise, the number of adverse effects was lower in Group B versus Group A. Some side effects remained specific to the current cirrhosis treatment, which should be closely monitored.
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Chang, Shuchih Ernest, YiChian Chen, MingFang Lu, and Hueimin Louis Luo. "Development and Evaluation of a Smart Contract–Enabled Blockchain System for Home Care Service Innovation: Mixed Methods Study." JMIR Medical Informatics 8, no. 7 (July 28, 2020): e15472. http://dx.doi.org/10.2196/15472.
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Background In the home care industry, the assignment and tracking of care services are controlled by care centers that are centralized in nature and prone to inefficient information transmission. A lack of trust among the involved parties, information opaqueness, and large manual manipulation result in lower process efficiency. Objective This study aimed to explore and demonstrate the application of blockchain and smart contract technologies to innovate/renovate home care services for harvesting the desired blockchain benefits of process transparency, traceability, and interoperability. Methods An object-oriented analysis/design combined with a unified modeling language tool was used to construct the architecture of the proposed home care service system. System feasibility was evaluated via an implementation test, and a questionnaire survey was performed to collect opinions from home care service respondents knowledgeable about blockchain and smart contracts. Results According to the comparative analysis results, the proposed design outperformed the existing system in terms of traceability, system efficiency, and process automation. Moreover, for the questionnaire survey, the quantitative analysis results showed that the proposed blockchain-based system had significantly (P<.001) higher mean scores (when compared with the existing system) in terms of important factors, including timeliness, workflow efficiency, automatic notifications, insurance functionality, and auditable traceability. In summary, blockchain-based home care service participants will be able to enjoy improved efficiency, better transparency, and higher levels of process automation. Conclusions Blockchain and smart contracts can provide valuable benefits to the home care service industry via distributed data management and process automation. The proposed system enhances user experiences by mitigating human intervention and improving service interoperability, transparency/traceability, and real-time response to home care service events. Efforts in exploring and integrating blockchain-based home care services with emerging technologies, such as the internet of things and artificial intelligence, are expected to provide further benefits and therefore are subject to future research.
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Subrakova, L. K., and K. V. Ertiletskaya. "EFFECT OF VOLUNTARY HOME INSURANCE IN A REGION WITH LOW INSURANCE COVERAGE." Scientific Review: Theory and Practice 10, no. 8 (August 31, 2020): 1690–708. http://dx.doi.org/10.35679/2226-0226-2020-10-8-1690-1708.
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The insufficient level of insurance services development in Russia is combined with high risks of losses from emergencies. Compensation to the population for damage or loss of housing as a result of fires, natural disasters, communal accidents and other events occurs mainly at the expense of state funds from the federal and regional budgets. Using the example of the Republic of Khakassia, the article examines the dynamics of performance indicators of insurance companies with their participation in regional programs of voluntary home insurance against emergency situations. The aim of the study is to substantiate the positive economic effect of programs of voluntary insurance of housing by citizens with the participation of funds from the federal, regional budget and insurance companies in compensation for damage from emergencies. Research objectives include: analysis of the risks of emergencies in the Republic of Khakassia; regional features of the insurance market; assessment of the effectiveness of insurance companies’ participation in the voluntary house insurance program against emergency. The materials for this study were regulatory legal acts, data from state statistics, reports of federal authorities, expert assessments on this topic. An empirical research to assess the amount of insurance premiums for voluntary insurance in the Republic of Khakassia was carried out using modeling methods, to determine the number of households in the region, an extrapolation method was used, and a comparative method was used to assess the calculation results. The effect of voluntary insurance of housing against emergencies in the region was obtained in the form of an increase in indicators: the depth of insurance by 0.08 percentage points, the degree of coverage of the insurance field - by 5.27 percentage points, excess of the growth rate of insurance premiums compared to the growth rate consumer prices - by 0.4 pp.
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Bamfo, Bylon Abeeku, and Courage Simon Kofi Dogbe. "Factors influencing the choice of private and public hospitals: empirical evidence from Ghana." International Journal of Pharmaceutical and Healthcare Marketing 11, no. 1 (April 3, 2017): 80–96. http://dx.doi.org/10.1108/ijphm-11-2015-0054.
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Purpose The study aims to examine the factors influencing the choice of private and public hospitals in Ghana. Design/methodology/approach Purposive and convenient sampling techniques were used in selection of 225 respondents for the study. An independent samples t-test was used in ascertaining the significant difference in the opinions of both groups. Finally, binary logistics regression was used in ascertaining the factors that significantly influenced the choice of hospitals in Ghana. Findings In Ghana, patients’ choice of private or public hospital was significantly influenced by service quality, word-of-mouth, type of ailment and National Health Insurance Scheme (NHIS). Patients who made choice decision based on service quality were more likely to attend a private hospital. Word-of-mouth influenced the choice of public hospitals more than private hospitals. Patients preferred visiting public hospitals for more complicated ailments such as spinal defects, HIV/AIDS, heart-related problems, etc. Patients registered under the NHIS also preferred visiting public hospital to private hospital. Although services from private hospitals were more expensive, patients were more satisfied with services provided, as compared to patients from the public hospital. Cost of service and patient satisfaction, however, did not have a statistically significant effect on the choice of hospital. Originality/value Most comparative studies done on private and public hospitals studied in isolation focused on service quality, customer satisfaction, national health insurance and cost of health care or a combination of them. This study, however, considered all these selection criteria and extended it by adding word-of-mouth and the type of ailments suffered. The study, thus, provided a more comprehensive hospital selection criteria. The use of logistics regression in this particular area of study was also quite unique.
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Sanni, Taofeek Adedayo. "Cost of Deliveries among Health Insurance (HI) Enrollees and Out-of-Pocket (OOP) Payers Accessing Maternal Healthcare Services in a Tertiary Health Institution in Southwest Nigeria." TEXILA INTERNATIONAL JOURNAL OF PUBLIC HEALTH 9, no. 2 (June 30, 2021): 244–54. http://dx.doi.org/10.21522/tijph.2013.09.02.art022.
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Maternal Mortality Is Currently High And Remains One Of The Most Important Public Health Problems In Developing Countries. This Study Determined The Cost Of Vaginal And Caesarean Section Deliveries Among Health Insurance (HI) Enrollees And Out-Of-Pocket (OOP) Payers. A Comparative Cross-Sectional Study Was Carried Out Among 380 Women {(133 Vaginal And 57 Caesarean Section Deliveries Among Each Of HI Enrollees And OOP Payers)} Who Accessed Delivery Services In A Tertiary Health Institution In Southwest Nigeria Using A Systematic Random Sampling Technique. Data Was Gathered Using An Interviewer-Administered Semi-Structured Questionnaire And Analyzed Using IBM SPSS Version 23. P-Value <0.05 Was Taken As Significant. The Overall Mean Age Of Respondents In This Study Was 36.5 ± 4.7years Among The Vaginal Delivery Respondents And 35.8 ± 3.6 Years Among Caesarean Section Delivery Respondents. The Mean Total Cost Of Vaginal Delivery For HI Enrollees {₦14,238.5 ± 4,809.0 ($34.5 ± 12.7)} Is Lesser Than For OOP Payers {₦37,928.5 ± 19,813.0 ($99.8 ± 52.1)}. Furthermore, The Mean Total Cost Of Caesarean Section Delivery For HI Enrollees {₦14,238.5 ± 4,809.0 ($34.5 ± 12.7)} Is Lesser Than For OOP Payers (₦37,928.5 ± 19,813.0 ($99.8 ± 52.1}. 94.1% Of The Non-Insurance Enrollees Were Willing To Join Health Insurance Scheme. It Was Concluded That The Total Cost Of Vaginal And Caesarean Section Deliveries Is Lower Among The Health Insurance Enrollees Than The Out-Of-Pocket Payers. Therefore, Intervention To Increase Awareness On Health Insurance Is Recommended.
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Lakshmi, S. Rani. "Service quality assessment in insurance sector: A comparative study between urban and rural policyholders of life insurance corporation of India." Asian Journal of Research in Marketing 9, no. 6 (2020): 1–14. http://dx.doi.org/10.5958/2277-6621.2020.00010.9.
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Rusetskyi, Anatolii Anatoliiovych, Daria Mikhailovna Zagorska, Hanna Sergiivna Ivanova, and Mykola Ivanovich Inshyn. "International Experience of Administration in the Insurance Area and Possibility of Its Application on Ukraine." Revista Amazonia Investiga 9, no. 31 (August 7, 2020): 36–43. http://dx.doi.org/10.34069/ai/2020.31.07.3.
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The objective of the article is: 1) to study the experience of foreign countries on the organization of insurance activities; 2) to determine the feasibility of introducing international practices into the national insurance system. For this purpose, the authors used the following methods of scientific cognition: dialectical, comparative analysis and bibliographic. The authors of the paper have analyzed the experience of foreign countries on the organization of insurance activities; have determined the feasibility of implementing legal norms and successful international practices and methods into national insurance system. The historical stages of the development of insurance management, as well as the current forms and methods of its implementation have been studied. It has been emphasized that the sphere of insurance activity is quite an important component in the system of public administration and country’s economy in general. That is the reason that we admit it extremely necessary to provide the national insurance area with the necessary conditions for its further development, in particular, it is offered to accomplish this through more flexible and high-quality legal regulation. Besides, the state policy on administration in the field of insurance should be aimed at: the formation of an insurance market with a highly developed infrastructure and a wide range of insurance services; adaptation of the Ukrainian insurance market to the world requirements of financial regulation and supervision; cooperation with European and international organizations; harmonization of national legislation in the field of insurance with international standards, etc.
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Safitri, Karin Amelia. "The Impact of the Life Insurance on Economic Growth in ASEAN." Asia Proceedings of Social Sciences 2, no. 2 (December 2, 2018): 12–15. http://dx.doi.org/10.31580/apss.v2i2.259.
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The development of the insurance business in ASEAN has an impressive growth in the course of recent years. Reverse statement from Ouédraogo et al., (2016) who explained the level of life insurance development in developing countries remains low comparatively to developed countries. The ASEAN insurance industry, with the increasing number of insurance companies and people using insurance services, can even play a greater role in supporting overall economic growth in that region. This study aimed at examining the contribution of life insurance sector which is measured by three parameters e.g insurance penetration, insurance density and premium volume to the economic growth in the sample of 6 developing countries on ASEAN religion during 2005-2015 period i.e. Singapore, Malaysia, Phillipine, Thailand, Vietnam and Indonesia. The analytical method is applied by using fixed effect model. The result of this study showed that the life insurance premium volume, penetration and density have positive effects on economic growth.
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Rambey, Harris, Beni Satria, Marice Simarmata, Anggi Isnani Parinduri, and Ester Ariani Tarigan. "PERBEDAAN TINGKAT KEPUASAAN PASIEN UMUM DAN PASIEN DENGAN BADAN PENYELENGGARA JAMINAN SOSIAL." JURNAL KESMAS DAN GIZI (JKG) 3, no. 2 (April 30, 2021): 238–44. http://dx.doi.org/10.35451/jkg.v3i2.692.
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Quality health care was often associated with satisfactory health care. The patient's satisfaction with the health service was the level of one's feelings after comparing the results received with expectations. Patient satisfaction on health service can be seen tangible, responsiveness, reliability, assurance, and attention (empathy). This study aims to determine differences in patient satisfaction level of social insurance provider body with general patients at Grandmed Hospital Lubuk Pakam 2017. This type of research was quantitative research is comparative. The population in this research are all inpatients of Grandmed Hospital Lubuk Pakam as much as 324 people, purposive sampling technique, data collection method by interviewing indirectly by used questionnaires, data analysis using T-Independent test. Based on the result of the research, it was known that there was difference of patient satisfaction level of social insurance provider body with general patient based on physical evidence (tangible) with p value = 0,002, reliability with p = 0,005, responsiveness with p = 0,007, Based on assurance with p = 0,002, based on empathy (empathy) with p = 0,006. It was advisable for the nursing staff of the grandmed hospital to be able to perform the service very well so that the patient was satisfied with the existing services and raises the patient's interest to return if they are sick.
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Volintiru, Mihai. "The internalization context of private health service providers in Europe: Romanian market case study." Proceedings of the International Conference on Business Excellence 12, no. 1 (May 1, 2018): 1038–47. http://dx.doi.org/10.2478/picbe-2018-0093.
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Abstract This paper looks at the opportunities and constraints of the private healthcare sector in Europe today. Using the case study of Romania, I explore the attractiveness of foreign and domestic private capital investments in companies that supply healthcare services. In the aftermath of the economic crisis, the private provision of healthcare services has been growing steadily, and there are clear signs in the common market that the liberalisation policies will only increase the attractiveness of such investment still. As large-scale investment projects like general hospitals require large amounts of upfront investment, it is only natural to assume that at least part of this capital will be obtained through internationalisation decision of foreign companies. This paper also presents in depth a comparative overview of the two most developed private healthcare provisions in Romania: dialysis centres and medical laboratories. Part of their success is due to their longstanding relationship with the National Health Insurances House. These medical services generally benefit from large scale public subsidies that support the delivery of private health care provision in Romania. The private providers of medical services in Romania have recorded a steady annual growth dynamics over the past years. In the case of private medical laboratories, the geographical distribution shows a heavy concentration on the main municipalities in Romania. This gives us a perspective on the limited ability of private providers to penetrate smaller markets without the incentive of public subsidies. The Romanian market has proved to be an attractive destination for foreign investors in the medical sector. This is driven in part by the quantitative limitations of the public sector that is struggling with an overload in urban areas, but also by the attractiveness of private health insurance packages offered by many private health care providers. The main international health care providers in Romania that constitute the case studies of this paper are: Medlife, Regina Maria, Medicover, Sanador and Gral Medical.
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Demissie, Bekele, and Keneni Gutema Negeri. "Effect of Community-Based Health Insurance on Utilization of Outpatient Health Care Services in Southern Ethiopia: A Comparative Cross-Sectional Study." Risk Management and Healthcare Policy Volume 13 (February 2020): 141–53. http://dx.doi.org/10.2147/rmhp.s215836.
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Egorova, Olga Aleksandrovna. "Expiration of term for filing a claim against an insurance company: procedural consequences." Право и политика, no. 4 (April 2020): 99–110. http://dx.doi.org/10.7256/2454-0706.2020.4.32313.
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This article analyzes the question of missing a 30-day deadline by a consumer for filing a claim against a financial institution stipulated by the Part 3 of the Article 25 of the Federal Law of June 4, 2018 No.123-FZ “On the Commissioner for the Rights of Consumers of Financial Services”. The paper examines the positions of current legislation on financial ombudsman, procedural provisions on possibility of reinstatement of the expired deadline for filing a claim, and clarification of procedural consequences in a case where such term would not be reinstated. Methodology of this theoretical study consists in comparative-legal analysis, systemic-structural analysis, synthesis, and analogy. The author examines the question of order of assessment by the court of the claim made by a consumer of financial services for reinstatement of the expired deadline for making a claim with the court against an insurance company, similar to the subject of requirements expressed in their address to the financial ombudsman. Substantiation is made on the conclusion that such claims are subject to hearing by a judge alone at the stage of acceptance of claim filing without holding a court session.
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Pisarenko, Zh V., and Thi Mai Doan. "Achieving Universal Health Coverage as a Goal of Vietnam’s Socio-Economic Development." Economics and Management 27, no. 4 (June 5, 2021): 269–80. http://dx.doi.org/10.35854/1998-1627-2021-4-269-280.
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Aim. The presented study aims to analyze and identify the “bottlenecks” Vietnam may face on the way to achieving the goal of universal health coverage of the country’s population.Tasks. The authors analyze the situation regarding the implementation of sustainable development goals in terms of ensuring the availability of health services; assess the situation regarding the availability of health services in Vietnam; assess the potential of health insurance to achieve universal health coverage as a goal of Vietnam’s socio-economic development.Methods. This study uses statistical, empirical, and comparative analysis.Results. Achieving the goal of universal health coverage in the country requires more than just financing health care. It reflects the importance of ensuring equal access to quality health services and enforcing the right to health, especially for vulnerable groups. The authors analyze population coverage, the organization of the financing system, and the cost of medical care for households. Funding for health programs in Vietnam is increasing. However, due to the enduring poverty in the country, households spending a large share of their own funds on health services, and the number of challenges associated with the COVID-19 new coronavirus pandemic, there is still a risk of not achieving the goal of universal coverage in the near term.Conclusions. To achieve the set goal, Vietnam needs to introduce effective mechanisms of compulsory and voluntary health insurance (VHI). This additional financial protection is seen as a way to enable more people to use the necessary services without the risk of catastrophic health care costs, thus effectively approaching the goal of universal health coverage for the citizens of the Socialist Republic of Vietnam (SRV).
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AKHTAR, Zia. "Razlikovanje uslovnih od kumulativnih naknada advokata: uporedna studija procene rizika osiguravača u parnici u Velikoj Britaniji i SAD." Evropska revija za pravo osiguranja 20, no. 2 (July 2021): 41–65. http://dx.doi.org/10.46793/erpo2002.41a.
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The Conditional Fee Agreements in the UK and the Contingency Fee in the US for legal retainers can be distinguished by their risk lawyers take even if they both allow law firms to be stakeholders in the litigation process. The introduction of the conditional fee agreements (CFI) in England enabled a framework of civil litigation that could be relied upon where the cause of action could not be financed by the client. There was an element of risk involved which the insurance company had to calculate and the Jackson Reforms were responsible for effective management of litigation through the introduction of costs budgeting. While the after effects insurance was abolished the various forms of CFI could facilitate the insured litigant. This has been harmonised by a consumer based legal provision in the UK that is the priority of the Legal Services Act 2007. The comparison needs to drawn with the contingency fee agreement offered by US firms that have encouraged litigation and allow the losing party to forfeit costs when losing their case. The argument of this paper is to retain both these form of agreements in their respective jurisdictions but to retain the flexibility of allowing out of court settlements.
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Voskolovich, Nina. "Availability of healthcare services as the basis for social protection of population." Population 24, no. 2 (June 29, 2021): 87–96. http://dx.doi.org/10.19181/population.2021.24.2.8.
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Public health protection in modern conditions is one of the main factors of socio-economic development of all countries of the world. Achieving the Sustainable Development Goals requires an urgent solving the problems of universal healthcare coverage. In this regard, it is necessary to monitor the quality and accessibility of health care in two important aspects: health services coverage and financial protection in health care. Based on the materials of sample statistical and sociological surveys, comparative analysis, the article examines the issues of households' satisfaction with the quality and availability of medical services, possibility of using remote medical consultations, and availability of paid medical services. The reasons for dissatisfaction with the quality of health care were identified: dissatisfaction with the work of district doctors, shortage of medical specialists, long waiting time for an appointment. The dependence of the availability of remote medical services on the ability to pay, age composition and place of residence of the population is revealed. This study creates the preconditions for refining the strategy in the field of health protection concerning the issues of financing medical services for certain socially unprotected segments of the population by expanding the compulsory health insurance program for provision of primary health care by non-governmental medical organizations, including use of telemedicine. It is advisable to control the approach to the critical level of financial expenditures of the family budgets of various households on payment for medical services through regular monitoring of the availability of medical services. It is proposed to expand the scope of professional liability insurance for doctors and medical workers, develop professional standards and ethical principles for conducting medical activities. Implementation of the proposed measures will reduce the "catastrophic expenses" from family budgets of households for paying for health care, will contribute to increasing life expectancy of the Russian population and create conditions for economic growth.
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CHEBERAKO, Oksana, and Oksana HNATYUK. "LEASING SERVICES IN FOREIGN COUNTRIES: EXPERIENCE FOR UKRAINE." WORLD OF FINANCE, no. 1(62) (2020): 118–27. http://dx.doi.org/10.35774/sf2020.01.118.
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Introduction. Lack of direct investment has recently forced entrepreneurs to resort the other forms of investment, which makes it relevant to study one of these forms – leasing. The rapid development of leasing activities in foreign countries is due to the fact that it is an advanced method of logistical support of business activity. Due to its advantages, leasing gives wide access to advanced technologies and technologies to business entities. Influencing the macroeconomic dynamics in the country, it activates the process of investment and renewal of fixed assets, creates new jobs, promotes the development of the national economy. The purpose is to study the trends of leasing development in the world and to offer the basic directions of introduction of foreign experience in domestic practice. Methods. The historical, analytical, empirical, inductive-deductive, comparative research methods to implement the principle of objectivity of scientific presentation have been used. Results. The article examines foreign experience and legal support for the development of leasing services. Revealed, globalization, specialization, consolidation, the formation of strategic alliances are the modern tendencies of dynamic development of the world market of leasing services. Conclusions. Suggestions have been made on the need to introduce the foreign experience of leasing development in Ukraine through the improvement of the legislative base, its harmonization with international norms, the creation of infrastructure of the leasing services market, the development of the guarantees system and insurance. Leasing items, that increase banks’ interest through the system of long-term loans, are substantiated.
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Adhikari, Pitri Raj. "Perception of Consumers towards Nepalese Insurance Products." Journal of Nepalese Business Studies 13, no. 1 (December 31, 2020): 36–48. http://dx.doi.org/10.3126/jnbs.v13i1.34702.
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This paper examines the changing perception of consumers towards Nepalese insurance products. Descriptive and causal-comparative research designs are used to achieve the objectives and data are collected through a structured questionnaire from 400 respondents of Kathmandu valley and Parsa district. Descriptive statistics, as well as multiple regression models, are used to analyze the data. It is found that consumer perception (dependent variable) is positively correlated with independent variables (company loyalty, service quality, satisfaction level, company image and ease of procedures). Company image, company loyalty and satisfaction level are the most dominant factors that influence the perception of consumers towards insurance products in the context of Nepalese insurance companies. This study is an endeavor to extend the literature of changing the perception of consumers towards insurance products and it is the first to report the evidence from the combination of Kathmandu valley and Birgunj metropolitan city of Parsa district perspective.
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Sanni, Taofeek Adedayo. "Cost of Ante-natal Care among Health Insurance (HI) Enrollees and Out-of-Pocket (OOP) Payers accessing Maternal Healthcare Services in a Tertiary Health Institution in Southwest Nigeria." TEXILA INTERNATIONAL JOURNAL OF PUBLIC HEALTH 9, no. 2 (June 30, 2021): 11–22. http://dx.doi.org/10.21522/tijph.2013.09.02.art002.
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Maternal Mortality Remains A Leading Cause Of Death Among Women Of Reproductive Age Group. This Study Determined The Cost Of Antenatal Care Among Health Insurance (HI) Enrollees And Out-Of-Pocket (OOP) Payers Accessing Maternal Healthcare Services In A Tertiary Health Institution In Southwest Nigeria. A Comparative Cross-Sectional Study Was Carried Out Among 380 Women (190 HI Enrollees And 190 OOP Payers) Attending Antenatal Care Services In A Tertiary Health Institution In Southwest Nigeria Using A Systematic Random Sampling Technique. Data Was Gathered Using An Interviewer-Administered Semi-Structured Questionnaire And Analyzed Using IBM SPSS Version 23. Chi-Square And Binary Logistic Regression Were Used To Assess The Association Between Dependent And Independent Variables And A P-Value Of <0.05 Was Taken As Significant. The Overall Mean Age Of Respondents In This Study Was 33.8 ± 5.0 Years (HI Group: 34.1 ± 4.9 Years And OOP Group: 33.6 ± 5.0 Years). The Mean Total Cost Of Antenatal Care (ANC) Is Lesser For HI Enrollees (₦5,095.2 ± 1,753.1 Equivalent To $13.3 ± 4.6) As Compared With OOP Payers (₦15,050.6 ± 5,548.9 Equivalent To $39.6 ± 14.6). Predictors And Enablers For HI Uptake Are Marital Status, Family Size, Level Of Education, Occupation, Appropriate And Quality HI Package, And Trust In The HI Scheme. It Was Concluded That The Total Cost Of Antenatal Care Is Lower Among The Health Insurance Enrollees Than The Out-Of-Pocket Payers. Therefore, Interventions To Increase Awareness And Designing More Enticing HI Packages Are Recommended.
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Sinitsyna, V. V. "A model of socially oriented development of the Russian Federation based on a comparative analysis of traditional models of the social welfare State." Economic Analysis: Theory and Practice 19, no. 2 (February 28, 2020): 310–24. http://dx.doi.org/10.24891/ea.19.2.310.
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Subject. The article addresses the implementation of socially oriented development in the Russian Federation and in the countries with traditional models of the social welfare State. Objectives. The aim is to perform a comparative analysis of traditional models of the social welfare State and the Russian Federation on the basis of socio-economic indicators (annual average growth in gross domestic product, inequality, unemployment, migration, the share of tax revenues in gross domestic product, indicators in the sphere of education and healthcare), and reveal the specifics of socially oriented development of the Russian Federation. Methods. The study employs methods of statistical analysis, comparative analysis, and graphic interpretation of statistics. Results. The study unveils similar trends in the social development that exist in traditional models of the social welfare State, the focus of public policy on providing at least minimal social guarantees, the use of social insurance, and extended accessibility of quality social services. It also emphasizes differences that are connected with historical principles of social policy, the level of decommodification due to modern economic development. Conclusions. The comparative analysis enabled to identify the presence of elements of considered models in the model of socially oriented development of Russia and directions of further measures for increasing socio-economic indicators, including the increase in life expectancy and quality of life for citizens, improvement of the quality of social services, reduction of inequality, promotion of high rates of economic growth, renovation of equipment and facilities, and training highly qualified specialists.
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Uddin, Shahadat, Margaret Kelaher, and Uma Srinivasan. "A framework for administrative claim data to explore healthcare coordination and collaboration." Australian Health Review 40, no. 5 (2016): 500. http://dx.doi.org/10.1071/ah15058.
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Previous studies have documented the application of electronic health insurance claim data for health services research purposes. In addition to administrative and billing details of healthcare services, insurance data reveal important information regarding professional interactions and/or links that emerge among healthcare service providers through, for example, informal knowledge sharing. By using details of such professional interactions and social network analysis methods, the aim of the present study was to develop a research framework to explore health care coordination and collaboration. The proposed framework was used to analyse a patient-centric care coordination network and a physician collaboration network. The usefulness of this framework and its applications in exploring collaborative efforts of different healthcare professionals and service providers is discussed. What is known about the topic? Application of methods and measures of social network analytics in exploring different health care collaboration and coordination networks is a comparatively new research direction. It is apparent that no other study in the present healthcare literature proposes a generic framework for examining health care collaboration and coordination using an administrative claim dataset. What does this paper add? Using methods and measures of social network analytics, this paper proposes a generic framework for analysing various health care collaboration and coordination networks extracted from an administrative claim dataset. What are the implications for the practitioners? Healthcare managers or administrators can use the framework proposed in the present study to evaluate organisational functioning in terms of effective collaboration and coordination of care in their respective healthcare organisations.
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Villamin, Jojo M. "AVAILMENT OF FUNERAL PLANNING MANAGEMENT SERVICE AMONG CHINESE AND FILIPINO: PREPARATION OF A SERVICE DEVELOPMENT PACKAGE FOR A FUNERAL EVENT BUSINESS." Journal of Business on Hospitality and Tourism 2, no. 1 (December 30, 2016): 434. http://dx.doi.org/10.22334/jbhost.v2i1.78.
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The funeral industry has grown rapidly over the years. It is very evident that in the Philippines, many funeral parlors are sprouting all over the country as well funeral insurance policy companies. The funeral industry has taken more major roles in the burial rituals, funeral arrangements, body disposition procedures, last rites, and after care services to attend to the special needs. One of the richest customs in celebrating a funeral event was the Chinese society. Chinese was well known for their custom of following a lot of superstitions. Filipinos also believed in superstitions like the Chinese, but their way of celebrating the funeral rites was different. These customs make managing a funeral event difficult. That is why seeking professional guidance and support is a good idea. The study looks into the comparative study of the availment of the funeral planning management service among Chinese and Filipino to observe the difference and similarities on the level of awareness, interest, the desire and actions of the two different cultures regarding the funeral planning management service. The researcher’s purpose was to make a basis for developing an event strategy that would facilitate the acceptability of the funeral planning management service in the Philippines.