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Journal articles on the topic 'Insurance'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Nam, Bach Thi Nha. "Suggestions to modify Vietnam’s legal provisions on the insurable interest in life insurance." Science & Technology Development Journal - Economics - Law and Management 2, no. 3 (2019): 38–49. http://dx.doi.org/10.32508/stdjelm.v2i3.518.

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The insurable interest in life insurance is a core principle for the parties to enter into an insurance contract. In case the policyholder does not have insurable interest to the insured, the life insurance contract will become invalid or the life insurance contract will terminate when the policyholder no longer has insurable interest in accordance with Vietnam Insurance Business Law. The practice of life insurance contract performance has raised many issues related to the insurable interest that Vietnam Insurance Business Law has not mentioned or are still lacking. Therefore, the legal provis

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2

Nagaraj, Shet, Jeelani Qadiri Ghulam, Sukhlal Kalal Bhuvanesh, and Saldanha Sunita. "Impact of Out-Of-Pocket Health Care Financing and Health Insurance Utilization among the Population: A Systematic Review." International Journal of Health Sciences and Research 8, no. 2 (2019): 249–57. https://doi.org/10.5281/zenodo.2644766.

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The enactment of the insurance regulatory and development act (IRDA) in 1999 allows private and foreign entrepreneurs to enter the health insurance market and at present Indian health insurance sector offers different kind of health insurances like social health insurance, private health insurance and community based health insurance etc. But even with this as depicted by many studies penetration of insurance especially at rural India is very low and people are payingtheirheath care cost though pocket. To understand this issue, present article tries to providedetailed review on Out-of-pocket (

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3

Habibaty, Diana Mutia, and Ah Azharuddin Lathif. "INSURANCE WAQF PHENOMENCES IN THE INSURABLE INTEREST PERSPECTIVE." Penamas 33, no. 2 (2020): 225. http://dx.doi.org/10.31330/penamas.v33i2.409.

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Waqf insurance is a new breakthrough in the field of waqf and sharia insurance. This product collaborates between waqf and insurance products. The insurance waqf product is considered contrary to one of the insurance principles, namely the principle of insurable interest (Insurable Interest Principle). This principle states that the insured party (the insured / insurance participant) must have an interest in the object of insurance (life / object). This principle was born because everyone insures himself / his property because the person / property has the risk of being damaged / lost, whereas

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Dudziński, Piotr. "Insurance and Self-Insurance – Substitutes or Complements?" Przegląd Statystyczny. Statistical Review 2014, no. 3 (2014): 307–16. http://dx.doi.org/10.59139/ps.2014.03.5.

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Classical result by Ehrlich and Becker states that with two states of the world, market insurance and self-insurance are substitutes. However, it turns out that conclusion does not hold in the model with many states. This paper considers interactions between price of compulsory market insurance and demand for self-insurance. We present sufficient conditions for self-insurance to be complementary or substitute for market insurance. We provide economic interpretation of that result, highlighting the role of an efficiency of self-insurace as a key to understanding the phenomenon.

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Mrozowska-Bartkiewicz, Beata, and Renata Orzechowska. "Parametric Insurances – Characteristics and Legal Nature." Prawo Asekuracyjne 4, no. 121 (2025): 3–28. https://doi.org/10.5604/01.3001.0054.9988.

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This article deals with the topic of parametric insurances, which are a novelty on the insurance market and which are an innovative reaction of insurers to the need for solutions tailored to specific features of selected types of insurance risks. The structure of this insurance product departs from the classic notion of insurance contract, which gives rise to legal discussions on legal nature thereof. The discussions are conducted not only by representatives of Polish doctrine and practice, but also in many other European countries and in the United States. The article attempts to identify the

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Podile, Venkateswararao, Jai M. Desai, Sk Sameer, Thulluru Rishi Krishna Revanth, and K. Kaveri. "A Brief Note Of Having Insurance Policy." IOSR Journal of Business and Management 26, no. 11 (2024): 08–10. https://doi.org/10.9790/487x-2611140810.

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First, understand the literal meaning of insurance. It means an assurance against unforeseen and unfortunate loss. This means you can be compensated if you encounter an unfortunate event and incur a financial loss because of it. There are two types of insurance one is general insurance, and another is life insurance so under the general insurance there are some categories that is health insurance, life insurance, home insurance, travel insurance, liability insurance and fire and hazards insurance. And for the life insurance term life insurance, moneyback plans, child educational plans, unit li

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Belykh, Vladimir. "Insurance interest under the law of England." Bulletin of the Karaganda University. “Law" Series 30, no. 1 (117) (2025): 98–105. https://doi.org/10.31489/2025l1/98-105.

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The article is devoted to one of the elements of the insurance contract. The author notes that the doctrine of insurable interest was developed in England in the middle of the 18th century. The classic definition of insur-able interest in property insurance is contained in a court judgment. Initially, insurable interest was an “eco-nomic interest” — a real and expected possibility of property damage due to an insured event. It was first leg-islated in the Marine Insurance Act of 1745. In the 20th century, the Marine Insurance Act of 1745 was re-placed by the Marine Insurance Act of 1906. A new

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8

Khabarov, V. I., M. S. Kolbina, and I. Yu Kushelev. "Innovative activity of insurance organizations: Course of development." Economics and Management 29, no. 2 (2023): 188–99. http://dx.doi.org/10.35854/1998-1627-2023-2-188-199.

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Aim. The presented study aims to develop a model for the innovative development of insurance in Russia based on an in-depth analysis of scientific papers, a survey of insurers, and the market situation.Tasks. The authors examine innovative development models in the insurance sector; identify problems affecting the introduction of innovations in the insurance business; analyze channels through which insurers purchase insurance products; test the hypothesis about insurers giving preference to digital channels when choosing insurance depending on age and gender; identify the most popular types of

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9

Osipenko, Maria, Zhiwei Shen, and Martin Odening. "Is there a demand for multi-year crop insurance?" Agricultural Finance Review 75, no. 1 (2015): 92–102. http://dx.doi.org/10.1108/afr-12-2014-0043.

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Purpose – The purpose of this paper is to examine the aggregate demand for single- and multi-year crop insurance contracts and to discuss market potential for multi-year crop insurances. Design/methodology/approach – In this paper the authors develop a dynamic discrete choice model of insurance alternatives, in which single- and multi-year insurance contracts are offered to heterogeneous risk averse farmers. The farmers determine their insurances choices based on inter-temporal utilities. Findings – The results show that in a competitive insurance market with heterogeneous risk averse farmers,

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10

Glintić, Mirjana. "Main characteristics of credit life insurance." Pravo i privreda 58, no. 3 (2020): 237–53. http://dx.doi.org/10.5937/pip2003237g.

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In recent years, banks in Serbia, as authorized insurance agents, have started offering various types of insurance contracts that serve as a means of securing credit. Since the potential credit user is a consumer who does not have sufficient legal knowledge of insurance contracts, this paper aims to point out the main characteristics of these insurances and to highlight the differences between them. Despite all the information that insurance agents are required to disclose to their clients, there are always certain dilemmas regarding these insurance policies, particularly with respect to the i

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11

Jeong, Byungseok. "Joint Tortfeasor's Right of Contribution in Overlapping Liability Insurance: A Critical Review of Supreme Court Decision of 2009. 12. 24., 2009Da42819." Institute for Legal Studies Chonnam National University 43, no. 3 (2023): 243–78. http://dx.doi.org/10.38133/cnulawreview.2023.43.3.243.

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As indicated in the ruling at issue, the contribution right arising from the underlying torts and the right of contribution arising out of overlapping insurance coverage coexist and can be exercised simultaneously, in competition, or successively. However, once one contribution right is satisfied, the other is proportionately diminished. The decision at issue, clarifying these legal principles and providing a specific method for calculating the amount of subrogation claims, is significant as a case of first impression on these issues. This paper’s main arguments can be summarized as foll

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12

Bilous, Nina. "CHARACTERISTIC FEATURES OF THE CORPORATE STRATEGIES OF THE FOREIGN CAPITAL COMPANIES ON THE LIFE INSURANCE MARKET IN UKRAINE." International Journal of New Economics and Social Sciences 6, no. 2 (2017): 28–36. http://dx.doi.org/10.5604/01.3001.0010.7620.

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In the article the presence of international insurance companies on Ukraine’s insurance market has been, in particular, in the area of life insurances. Influence of activity of international companies on participants of insurance market of Ukraine is analysed. The directions of development of insurance companies activity are defined.

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13

Mortazavi, Seyedeh Somayyeh, and Mohammad Abedi. "The Concept and Effects of the Beneficiary in an Insurance Contract." Legal Studies in Digital Age 3, no. 2 (2024): 132–38. https://doi.org/10.61838/kman.lsda.3.2.11.

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The insurance beneficiary refers to any natural or legal person mentioned in the insurance contract, including the policyholder, who has an interest in all or part of the insured subject. According to Article 4 of the Insurance Act enacted in 1937, the person entitled to receive compensation is the one who has an interest in the insured property and benefits from its continued existence. It is presumed that the policyholder is also the insurance beneficiary. Accordingly, the absence of an insurable interest leads to the nullity of the insurance contract. The primary question arising in this co

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K, Udaya Shetty. "Attitudes of Rural Customers about the Need for Life Insurance Protection – A Study in Udupi District." Shanlax International Journal of Arts, Science and Humanities 8, S1-Feb (2021): 202–11. http://dx.doi.org/10.34293/sijash.v8is1-feb.3953.

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Insurance, in its many forms, touches the life of virtually every person in this country. Any society could not function effectively, efficiently or safely as it does were insurance-free. If there was no insurance, there would be so much uncertainty and exposure to loss that no business would be able to function and exist. Business would have an extremely difficult time obtaining any type of financing because few lenders would risk their capital without having a guarantee of safety for their investments. Insurance’s value to society is enormous and irreplaceable. Insurance protects hard-earned

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15

Cao, Shuo. "The Evolution of Insurable Interest in Law and Practice: A Comparative Analysis of Marine and Life Insurance." Law and Economy 4, no. 2 (2025): 44–50. https://doi.org/10.56397/le.2025.02.06.

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Practically, it is widely believed that before the 18th century, the law was silent on the relationship between the insured and the subject matter insured. This results in the insured, who has nothing to do with the subject matter insured, gambling in the name of insurance for profit. It was common for the people who seemingly did not have any interests in the property likes of ship or cargo to try to obtain the proceeds of insurance by way of the insurance. In life insurance, it was even possible for people to insure the lives of public high-profile figures. If they succeed, they can make a l

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Akhvlediany, Yu T. "Today’s Insurance Market and Prospects of Digital Insurance." Vestnik of the Plekhanov Russian University of Economics, no. 6 (November 25, 2024): 80–86. http://dx.doi.org/10.21686/2413-2829-2024-6-80-86.

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Russian insurance market has adapted to macro-economic and geo-political situation and now can be characterized by stable and sustainable development. The article studies today’s development of insurance market, identifies prospects of insurance service digitalization and analyzes digital maturity of insurance companies. The author advanced his own approach to finding ways of transforming insurance business with regard to global goals of insurance market development. A conclusion was drawn that digital technologies in insurance are essential for the efficiency of the finance system, as they fo

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17

Yonghui, Wu. "Navigating the digital frontier: Challenges and solutions for Dajia Insurance Group Limited Liability Company in the era of digital transformation." Nurture 19, no. 1 (2025): 83–99. https://doi.org/10.55951/nurture.v19i1.956.

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Purpose: This paper discusses Dajia Insurance Group’s limited liability company (Dajia Insurance) challenges and solutions in the digital transformation environment. Businesses, including insurance organizations, are adopting digital due to rapid technological developments and changing consumer preferences to be competitive and relevant. However, Dajia Insurance faces unique challenges in the insurance industry and its operations. Design/Methodology/Approach: The analysis begins with identifying the key challenges Dajia Insurance faced during its digital transformation journey, including outda

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18

Vroege, Willemijn, Tobias Dalhaus, and Robert Finger. "Index insurances for grasslands – A review for Europe and North-America." Agricultural systems 168 (November 13, 2018): 101–11. https://doi.org/10.1016/j.agsy.2018.10.009.

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Grassland based farming systems are exposed to extreme weather events causing volatile farm incomes. Grazing and lacking yield measurements make it largely impossible to insure grassland production with traditional insurance products. In contrast, index insurance products have the potential to insure grasslands, as their payoff relies on an endogenous index that is highly correlated to, but independent of, the actual grass yield. To support future development of these products, we provide the first systematic overview of 12 index insurances put into practise for grasslands in Europe and North

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Kawata, Yukichika, and Syed Ahmed Salman. "Muslims and Non-Muslims’ Satisfaction of the Islamic Insurance in Malaysia: Application of the Extended Customer Satisfaction Analysis." Turkish Journal of Islamic Economics 9, no. 1 (2022): 119–35. http://dx.doi.org/10.26414/a189.

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Islamic insurance has a more value-added substance than conventional insurance, and it is the ultimate solution for anyone seeking financial protection for their potential misfortune. However, the penetration ratio has been low even in Muslim majority countries, including Malaysia. While some existing studies examined the factors that contribute to improving the penetration rate, almost no studies examined satisfaction as the primary target. This study conducted a questionnaire for both Muslims and non-Muslims in Malaysia to investigate the factors that determine the satisfaction of the conven

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20

Orlicki, Marcin. "Optimization of Insurance Coverage Time (Just on Time Insurance) – Legal Aspects of the Use of Information Technology in Insurance." Prawo Asekuracyjne 3, no. 104 (2020): 3–14. http://dx.doi.org/10.5604/01.3001.0014.3701.

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Modern information technologies enable easy communication of information on activities performed by the policyholder/insured person and on the occurrence of certain events related to the subject of insurance or the risk parameters. It facilitates the creation of insurance products in which the duration of insurance cover is shaped dynamically based on the customer’s declaration of intent or by reading parameters using the IT equipment. Such formation of the insurance coverage period is permitted under Polish law (with the exception of some compulsory insurances) – without affecting rights and

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21

Kwon, Tae Yeon. "Causality Change in Life Insurance Demand: Focusing on Financial Market and Insurance Provider Factors." Korean Data Analysis Society 25, no. 1 (2023): 173–84. http://dx.doi.org/10.37727/jkdas.2022.25.1.173.

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This paper examined the Granger causality and changes in its intensity for Korea life insurance demand, focusing on the financial market and insurance provider factors. The significant causality ratio (SCR) in Kwon (2018), which can measure the intensity as well as the change in the significance of Granger causality, was applied. The intensity of the Granger causality of the three-year treasury bond rate, three-year AA corporate bond rate, KOSPI200 index, and number of planners was examined for each life insurance demand from January 1997 to May 2022. The change in the intensity of Granger cau

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Marwa, Salome, and Lihoya Chamwali. "People's Perceptions on the Financial Pools for Universal National Health Insurance Coverage." NG Journal of Social Development 13, no. 2 (2024): 260–75. http://dx.doi.org/10.4314/ngjsd.v13i2.17.

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The study aimed at assessing people's perceptions on the financial pools for enhancing the capacity of Universal Health Insurance Coverage in Dar es Salaam city. The study explored perceptions on merging health insurance schemes, harmonization of health insurance schemes, cross-subsidization and making compulsory involvement in health insurance schemes as the financial pooling mechanisms for Universal Health Insurance Coverage. The study employed the cross-sectional research design which allowed collection of opinions from different stakeholders concerning the adoption of Universal Health Insu

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Pitterle*, Claudia. "How do Doctors Evaluate Insurance for Their Surgery and What Decisions Are Made for or Against Taking out Insurance?" International Journal of Management and Humanities 5, no. 7 (2021): 9–15. http://dx.doi.org/10.35940/ijmh.g1249.035721.

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A practising doctor in his own surgery has a professional responsibility to earn a regular income for the maintenance of his existence and his employees. Professional risks arise from his activity, which the doctor should regulate with appropriate insurances and powers of attorney. Which of these insurances do doctors have and how important do doctors feel it is to take out such insurances? Are updates made to the insurance policies and what criteria do doctors use to decide for or against insurance? In order to answer this questions, in-depth interviews, mostly face-to-face, were conducted wi

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Lakstutiene, Ausrine, Rasa Norvaisiene, Jurgita Stankeviciene, and Rytis Krusinskas. "The Impact of Financial Crisis on the Non-Life Insurance Market in Lithuania : Will the Market Growth Expectations be Met?" Olsztyn Economic Journal 10, no. 1 (2015): 5–18. http://dx.doi.org/10.31648/oej.3130.

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The article analyzes the insurance market trends, which have been determined by the financial crisis, and reveals the development features and prospects of non-insurance market, which accounts for almost 70% of the total insurance market, in Lithuania. The obtained results showed that after the market shrank by a quarter in 2009, the insurance sector is recovering, and while the volume of issued insurance premiums increased in 2013, they still remain lower than during the pre-crisis period. 2010 is a distinctive year for the Lithuanian non-insurance market due to a track of unusual abundance o

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Nguyen, Hung Tien. "The principle of “insurable interest” for personal insurance contracts in Vietnam." Journal of Development and Integration, no. 79 (December 31, 2024): 55–62. https://doi.org/10.61602/jdi.2024.79.07.

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The principle of insurable interest has existed for a long time in countries with developed insurance markets. In many countries, it has been introduced in legal regulations that can regulate it entirely and strictly. In Vietnam, no law regulated it until the first Law on the Insurance Business of Vietnam was passed by the National Assembly in 2000, and recently, it was replaced by the new Law 2022. Thus, it is not easily accessible in Vietnam, especially for insurance customers in the context of changes when applying the new Law. In the article, the author employs a qualitative research metho

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Vrachovski, Danail, and Kalina Kancheva Kancheva. "INSURANCE FUNDS AS FORM TO FINANCE SOCIAL ACTIVITIES." KNOWLEDGE INTERNATIONAL JOURNAL 30, no. 1 (2019): 135–39. http://dx.doi.org/10.35120/kij3001135v.

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European regulations and mechanisms call for creation of unified social structures of collaboration and communications. As such could be social associations, insurance companies, insurance funds, clusters, voluntary social funds..The financing of social activities is carried out by various mechanisms, approaches and organizational forms. It could be used at the management of health insurance, social insurance, social activities etc. The purpose of the article is to outline the possibilities to us insurance funds at some social payments, mainly in the system of social insurance and social activ

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Bakalo, Nadiya, Iryna Krekoten, and Viktoriia Makhovka. "INSURANCE IN TOURISM." Economies' Horizons, no. 1(23) (April 3, 2023): 59–69. http://dx.doi.org/10.31499/2616-5236.1(23).2023.273358.

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The article is devoted to the definition of insurance in tourism, which will ensure that the tourist solves all problems and receives qualified medical, legal or administrative assistance. It was determined what insurance is, travel insurance, insurance in tourism. It has been proven that insurance in the tourism industry is used to insure against the risk of financial losses, both large and small, that may arise from damage to the insured or his property, or from liability for damage caused to a third party. The main categories of travel insurance have been revealed, namely: insurance against

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Yang, Chia-Jung, Chia-Wen Lu, Chien-Hsieh Chiang, Hao-Hsiang Chang, Chien-An Yao, and Kuo-Chin Huang. "Traveler’s knowledge, attitude, and practice about travel health insurance: A community-based questionnaire study." PLOS ONE 18, no. 2 (2023): e0281199. http://dx.doi.org/10.1371/journal.pone.0281199.

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Background Travel, especially international travel, has become one of the most popular leisure activities in the world. The risk of accidents and travel-related illnesses, including infectious and non-communicable diseases, should not be neglected. To provide a more comprehensive pre-travel consultation to international travelers, this study aimed to investigate the knowledge, attitude, and practice of travelers about travel health insurance. Methods This was a cross-sectional study. Anonymous structured questionnaires were distributed to 1000 visitors to the Taiwan International Travel Fair i

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Augustytė, Ugnė, and Daiva Jurevičienė. "DEVELOPMENT TRENDS OF GENERAL LIABILITY INSURANCE IN LITHUANIA." Ekonomika 90, no. 3 (2011): 136–50. http://dx.doi.org/10.15388/ekon.2011.0.930.

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The article deals with the situation of general liability insurance in Lithuania and its alteration, with an emphasis on the novelty of the topic. The essence of a particular insurance as well as the main insurable ranges in comparison with other types of insurance are reflected. The key problems related to general liability insurance in Lithuania are presented and discussed. A short overview of other countries’ experience is provided together with the nature of general liability insurance. The environment of general liability insurance and the key factors influencing it are discussed and high

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Chi, Yichun, and Ken Seng Tan. "OPTIMAL INCENTIVE-COMPATIBLE INSURANCE WITH BACKGROUND RISK." ASTIN Bulletin 51, no. 2 (2021): 661–88. http://dx.doi.org/10.1017/asb.2021.7.

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ABSTRACTIn this paper, the optimal insurance design is studied from the perspective of an insured, who faces an insurable risk and a background risk. For the reduction of ex post moral hazard, alternative insurance contracts are asked to satisfy the principle of indemnity and the incentive-compatible condition. As in the literature, it is assumed that the insurer calculates the insurance premium solely on the basis of the expected indemnity. When the insured has a general mean-variance preference, an explicit form of optimal insurance is derived explicitly. It is found that the stochastic depe

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Madani, Assoc Prof Dr Filloreta, and Assoc Prof Dr Evelina Bazini. "Development of the Life Insurance Market in Albania." European Journal of Economics and Business Studies 8, no. 1 (2017): 38. http://dx.doi.org/10.26417/ejes.v8i1.p38-47.

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Life insurances occupy a small part in the insurance market in developing countries. The new age of the insurance industry and the level of the economic development in Albania make the life insurance market even more fragile. Factors affecting the development of this market are influenced by the economic growth and by other factors such as inflation, education of population, population growth, government policies, private investment, etc. In this article we will analyze using statistical methods the degree of the impact of the above factors in the life insurance market and we will also analyze

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Sulistyowati, Sulistyowati. "DINAMIKA DAN PROBLEMATIKA ASURANSI SYARIAH." El-Qist: Journal of Islamic Economics and Business (JIEB) 2, no. 2 (2012): 337–66. http://dx.doi.org/10.15642/elqist.2012.2.2.337-366.

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The mechanism of action of sharia insurance is essential to distinguish between Shariah insurance with conventional insurance lies in how the work is done from the premium deposits, investment funds, to the payment of insurance claims to participants stricken or disaster. Everything is summed up in the concept of the working mechanism Shariah insurance. Discussion about the mechanism of action or Shariah insurance, will be divided in two basic discussion in accordance with Shariah insurance payment itself, the family insurance and insurance Shari'ah common. This division is very important to d

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Wieteska, Stanisław. "Świadomość czy samoświadomość ubezpieczonych." Annales. Etyka w Życiu Gospodarczym 13, no. 1 (2010): 231–38. http://dx.doi.org/10.18778/1899-2226.13.1.22.

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There is a term ‘self-avareness’ in the literature of insurance and opinion on the insurance market. On the base of the insurance data it is concluded that Poles hale a low level of awareness. The level increases when random event occurs. The aim of his article is an attempt to define a term ‘self-awareness’ and point its connection with life and property insurances.

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Tasheva, Yordanka. "OPPORTUNITIES TO INTEGRATE IN BULGARIA THE BEST PRACTICES FROM THE USA MODEL OF PRIVATE ENTERPRENEURSHIP HEALTH INSURANCE SYSTEM." Knowledge International Journal 28, no. 1 (2018): 183–88. http://dx.doi.org/10.35120/kij2801183t.

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The USA health insurance system is a model that encourages the entrepreneurship development in all kinds of medical care. The problems in USA and partly in Bulgaria concern the big difference between the actual medical care costs and the payment from the health insurance system. The private insurance companies are different in any USA state. In Bulgaria the private insurance companies must be limited and it is necessary to be integrated a central insurance system for the Bulgarian population. It must be controlled by the government state. In Bulgaria must be only one insurance government compa

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Mahdinia, Majid. "Investigation on Development Barriers of Electronic Insurance in Iranian Insurance Companies Case Study (Insurance Companies in Mazandaran Province)." International Journal of Family Business and Management 2, no. 2 (2018): 1–6. http://dx.doi.org/10.15226/2577-7815/2/2/00117.

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Electronic insurances are from important phenomenon that used from information and communication technology and also are from information management that has depth evolution in the way of selling insurance and delivering of damages, through from side increasing the communication with insurer and with another side make the domain of virtual selling and buying of some insurance widely. In this research we pay attention to barriers of electronic insurance and getting some alternatives for expanding and developing electronic insurance in Iran insurance company at mazandaran state and investigating

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Maringe, Noah. "A double-edged sword: The role of insurable interest in non-indemnity insurance in the light of the Covid-19 pandemic in Zimbabwe." De Jure 55, no. 1 (2022): 1–12. http://dx.doi.org/10.17159/2225-7160/2022/v55a3.

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The on-going Covid-19 pandemic has affected many facets of life including the business of insurance. It raises fresh questions as to who can insure the life of another because it has led to the loss of many lives. This brings one to the requirement of insurable interest in non-indemnity insurance. This paper argues that the requirement should be removed as it adds confusion to this branch of insurance law. It further limits the categories of people who can insure the lives of others. The Insurable Interest Bill of England attempts to expand the circumstances where one can have insurable intere

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Zhou, Rui, Johnny Siu-Hang Li, and Jeffrey Pai. "Evaluating effectiveness of rainfall index insurance." Agricultural Finance Review 78, no. 5 (2018): 611–25. http://dx.doi.org/10.1108/afr-11-2017-0102.

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Purpose The purpose of this paper is to examine the reduction of crop yield uncertainty using rainfall index insurances. The insurance payouts are determined by a transparent rainfall index rather than actual crop yield of any producer, thereby circumventing problems of adverse selection and moral hazard. The authors consider insurances on rainfall indexes of various months and derive an optimal insurance portfolio that minimizes the income variance for a crop producer. Design/methodology/approach Various regression models are considered to relate crop yield to monthly mean temperature and mon

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Driver, Tania, Mark Brimble, Brett Freudenberg, and Katherine Hunt. "Insurance Literacy in Australia: Not Knowing the Value of Personal Insurance." Financial Planning Research Journal 4, no. 1 (2018): 53–75. http://dx.doi.org/10.2478/fprj-2018-0003.

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ABSTRACT Underinsurance and low financial literacy have been shown to be key issues impacting the effectiveness of personal financial management. Both issues are made more important by the complex financial system, an ever moving array of financial products and services, and the progressive move towards self-reliance in retirement. These factors suggest a greater degree of financial independence and more effective financial decision-making is required over the long-term, both of which may be undermined by low financial literacy and underinsurance. Little is known, however, about the impact of

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Coble, Keith H., Terry Hanson, J. Corey Miller, and Saleem Shaik. "Agricultural Insurance as an Environmental Policy Tool." Journal of Agricultural and Applied Economics 35, no. 2 (2003): 391–405. http://dx.doi.org/10.1017/s1074070800021350.

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This paper examines the possibility that insurance for row crops, livestock, and aquaculture can be used effectively to encourage producers to adopt practices that will improve environmental behavior. Examples of agricultural environmental insurance are provided and considered in the context of alternative policy mechanisms. The current state of agricultural insurance and the nonagricultural environmental insurance market are explored. We also lay out the characteristics of an insurable risk along with the theoretical basis of insurance provision. An empirical example of an environmental insur

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Rogoziński, Dawid. "Securing Bank Claims by means of Credit Risk Insurance versus Insurance Recourse." Prawo Asekuracyjne 3, no. 100 (2019): 47–61. http://dx.doi.org/10.5604/01.3001.0013.5733.

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This article examines the specific nature of the insurance of risks directly related to lending. The dynamic development of cooperation between banking and insurance industries has resulted not only in a greater popularity of the coverages already existing on the market, but also in new types of insurance products directly linked to banking operations and covering risks that were traditionally non-transferable to insurance undertakings. Further comments refer to the functions of insurance recourse in relations with banks. However, the main focus of this study is the confrontation of results of

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Hartono, Risky Kusuma. "Equity Level of Health Insurance Ownership in Indonesia." Kesmas: National Public Health Journal 12, no. 2 (2017): 93. http://dx.doi.org/10.21109/kesmas.v0i0.1408.

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Social health insurance from government program are expected to be able to reduce inequalities access to health services in the middle of rising of health care cost, while private health insurance is still limited for up and middle class population. This study aimed to analyze the equity level of health insurance ownership including social and private health insurance in Indonesia. This study examined the condition of Indonesia in the middle of entering National Health Insurance (NHI) era. This study used data of Indonesian Socio-Economic Survey 2012. Data were analyzed by using econometric ap

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Weremczuk, Arkadiusz. "Dotowane ubezpieczenia upraw w Polsce. Stan i perspektywy." Zeszyty Naukowe SGGW - Ekonomika i Organizacja Gospodarki Żywnościowej, no. 120 (December 29, 2017): 69–81. http://dx.doi.org/10.22630/eiogz.2017.120.39.

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The article is an attempt to analyze the functioning of subsidized crop insurance in Poland in 2012–2016. The evaluation of crop insurance has been done. Negative effectiveness of these products for insurance companies and the lack of universality in the acquisition of policies by agricultural producers in Poland were observed. The article proposes changes that may improve the functioning of these insurances, from demand and supply point of view.

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Citrawati, Citrawati, Eko Edy Suntoro, and Erlina Puspitaloka Mahadewi. "Coordination Of Benefit (COB) Program Development Analysis: A Case Study Of Healthcare Insurance In Indonesia." International Journal of Science, Technology & Management 4, no. 4 (2023): 742–47. http://dx.doi.org/10.46729/ijstm.v4i4.845.

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The present study reports the first comprehensive study on the coordination of benefits program in healthcare insurance in Indonesia. Every individual Indonesian citizen who works is required to have health insurance as a fulfillment of the obligation to be physically and comprehensively healthy. Ownership of health insurance can be through government programs which are mandatory government policies for every employee or health insurance managed by the services of a commercial insurance company. So that every Indonesian employee or citizen generally has 2 health insurance memberships, one is c

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Assa, Hirbod. "A financial engineering approach to pricing agricultural insurances." Agricultural Finance Review 75, no. 1 (2015): 63–76. http://dx.doi.org/10.1108/afr-12-2014-0041.

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Purpose – The purpose of this paper is to introduce a continuous time version of the speculative storage model of Deaton and Laroque (1992) and to use for pricing derivatives, in particular insurances on agricultural prices. Design/methodology/approach – The methodology of financial engineering is used in order to find the partial differential equations that the dynamics of derivative prices have to satisfy. Furthermore, by using the Monte-Carlo method (and Feynman-Kac theorem) the insurance prices is computed. Findings – Results of this paper show that insurance prices (and derivative prices

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Ling, Zicong, Jingyi Zhou, and Churui Zhou. "Research on China's Overseas Investment Expropriation Insurance ——Based on MIGA's Experience and Enlightenment." Journal of Education, Humanities and Social Sciences 24 (December 31, 2023): 385–92. http://dx.doi.org/10.54097/y9gkdn83.

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With the promotion of the "Belt and Road" initiative, the scale of China's overseas FDI has been growing exponentially, and the exposure of Chinese enterprises to overseas investment to political risks has also been on the increase. It is common for major capital-exporting countries in the world to safeguard themselves against overseas investment risks by creating an overseas insurance system for such investments. Amongst them, the Multilateral Investment Guarantee Agency (MIGA) is a representative insurance system, which is also a modality that China can learn from. At this moment, the China

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KULYNA, Halyna, and Yaroslav FARION. "WORLD MARKET OF INSURANCE SERVICES IN THE CONDITIONS OF CHANGE THE PARADIGM OF GLOBAL ECONOMIC DEVELOPMENT." WORLD OF FINANCE, no. 3(52) (2017): 48–59. http://dx.doi.org/10.35774/sf2017.03.048.

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Introduction. Global changes in society and the rapid development of financial technologies identify major trends in the global insurance market. At the same time there are changes to the functioning of the global insurance market and the organization of insurance companies it according to the new paradigm of the economic community. Purpose. The aim of the research is to evaluate the trends of the global insurance market, identifying characteristics and problematic aspects of its operation in the changing paradigm of progress, to identify key priorities for further evolution in the regional di

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Yamori, Nobuyoshi. "Insurance Education, Insurance Literacy and Insurance Purchasing Behavior." Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE) 2021, no. 652 (2021): 652_19–652_45. http://dx.doi.org/10.5609/jsis.2021.652_19.

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WIDANA, I. NYOMAN, and KETUT JAYANEGARA. "ANALISIS PRODUK ASURANSI UNIT LINK DI INDONESIA." E-Jurnal Matematika 8, no. 1 (2019): 42. http://dx.doi.org/10.24843/mtk.2019.v08.i01.p233.

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This paper presents a unit-linked insurance which is a modern insurance. The policyholders will get benefits of insurances and investment. The aim of this research is to analysis of unit link insurance products in Indonesia. Especially to analysis the mortality cost, premium, return, and profit of the product. The method used is a stochastic profit testing method and the results of the study show that mortality cost offered by the three unit link companies selected as the sample of this study are greater than the insurance costs calculated based on the Indonesian Mortality Table. From comparin

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Bak, Joanna. "Property Insurance and Liability Insurance of Pharmacists and Pharmacies in the Olsztyn Market." Olsztyn Economic Journal 8, no. 3 (2013): 269–76. http://dx.doi.org/10.31648/oej.3237.

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This article brings up a very important and current issue concerning the insurance of pharmacists and pharmacies. The aim of the research undertaken was to present the range and factors determining the choice of insurance products for pharmacies and pharmacists operating in Olsztyn. The study is focused on products ensuring protection for the properties owned and used in pharmacies, as well as third-person liability insurance related to the business activity and to the professional practice of a pharmacist. It identifies the most popular insurances in the examined population and specifies the

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Zolotukhin, Aleksei. "Legal nature of business risk insurance." SHS Web of Conferences 50 (2018): 01227. http://dx.doi.org/10.1051/shsconf/20185001227.

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This paper raises the question of the legal nature of business risk insurance. A conclusion is made that the legal understanding of business risk insurance should be built upon the unity of the actual content of this type of insurance and its legal form. The presence of a special subject on the policy holder’s side in business risk insurance determines the features of the object of such type of insurance, which is represented by an entrepreneur’s insurable interests related to one’s business activity. In the legal sense, insurance is a legal relationship and is characterized by a bilateral con

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