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Journal articles on the topic 'Insured risk'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Shelton-Agar, Malcolm, and Helen Cruse. "Nefarious Activities: To Disclose or Not to Disclose." Victoria University of Wellington Law Review 26, no. 4 (1996): 811. http://dx.doi.org/10.26686/vuwlr.v26i4.6140.

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It is well established that insurance contracts are contracts uberrimae fidei ("of the utmost good faith"). From this foundation derives the insured's duty to disclose facts material to the proposed risk. This duty is placed upon the insured because s/he normally has the best knowledge of facts material to assessing the risk. In New Zealand today, whether a fact is "material" (and therefore needs to be disclosed) is based upon the view a "prudent insurer" would take of it. While the insured will usually know the all of the facts relevant to an assessment of the risk, s/he will often not know w

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2

Woronkiewicz, Jacek. "The Application of the Principle of Risk in Claims Settlement in Voluntary Business Liability Insurance in the Light of Case Law." Prawo Asekuracyjne 1, no. 98 (2019): 55–67. http://dx.doi.org/10.5604/01.3001.0013.5646.

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This article is an attempt to analyze the insured's liability for damages pursuant to art. 435 of the Civil Code in the context of voluntary business liability insurance. Above all, it is vital to lay down the criteria which decide about the application of the principle of risk while assessing the insured’s liability for damages.The establishment of the principle of the liability of the insured person points out the specific character of the insurance relationship in the business liability insurance contract in relation to the property insurance, as the insurer shall also assesses the legal si

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3

Jain, Rachit. "AI-Driven Personalization in Usage-Based Insurance: A Game-Theoretic Roadmap to Smarter Risk Assessment." American Journal of Engineering and Technology 06, no. 01 (2024): 25–32. https://doi.org/10.37547/tajet/volume06issue01-06.

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Usage-Based Insurance (UBI) is revolutionizing how insurers calculate premiums based on observed driving habits, with telematics and connected vehicles providing growing potential for more responsive and fairer insurance. The traditional way of calculating the premium is based on the static models that curate the premium for an individual based on the past driving history, and neglecting the driving habits. This old method has both advantages and disadvantages, but it doesn’t provide a premium based on the risks of the drivers’ driving habits. Insureds were asked to pay the premium based on th

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Chvertko, Liudmyla. "TAX RISK INSURANCE IN THE RISK INSURANCE SYSTEM: PROBLEMS OF THEORY AND PRACTICE IN UKRAINE." Economies' Horizons, no. 1(27) (March 31, 2024): 109–20. http://dx.doi.org/10.31499/2616-5236.1(27).2024.299102.

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The article substantiates the theoretical and practical principles of organizing insurance protection of business entities against tax risks. It is proved that tax risk insurance is a necessary element of the enterprise strategy for managing risks associated with tax audits, tax disputes and other taxation risks. Tax risk insurance allows the insured to compensate for financial losses that may arise as a result of additional tax liabilities (including fines and penalties, if insured) due to errors or violations in tax returns or as a result of tax audits, as well as related court costs and leg

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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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6

Chi, Yichun. "ON THE OPTIMALITY OF A STRAIGHT DEDUCTIBLE UNDER BELIEF HETEROGENEITY." ASTIN Bulletin 49, no. 1 (2018): 243–62. http://dx.doi.org/10.1017/asb.2018.30.

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AbstractThis article attempts to extend Arrow’s theorem of the deductible to the case of belief heterogeneity, which allows the insured and the insurer to have different beliefs about the distribution of the underlying loss. Like Huberman et al. [(1983) Bell Journal of Economics14(2), 415–426], we preclude ex post moral hazard by asking both parties in the insurance contract to pay more for a larger realization of the loss. It is shown that, ceteris paribus, full insurance above a constant deductible is always optimal for any chosen utility function of a risk-averse insured if and only if the

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Zulkifli, Suhaila, Stefanie Stefanie, Margareth Christiana Philip, and Josua Hasiholan Purba. "ANALISIS YURIDIS TERHADAP PENERAPAN PRINSIP INDEMNITY DAN INSURABLE INTEREST PADA ASURANSI KEBAKARAN DI PT. ASURANSI TOKIO MARINE." Legal Standing : Jurnal Ilmu Hukum 6, no. 1 (2022): 98. http://dx.doi.org/10.24269/ls.v6i1.5040.

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Fire Insurance protects against the danger of property loss or damage. Parties with an interest in the insured object accept the risk of loss. Indemnity (or the principle of loss) plays a role in ensuring equitable compensation. Subrogation will apply against the insured to ensure that the insurance policy runs properly and without loss between the insurer and the insured. The goal of this study is to discuss and explain the Indemnity Principles and Insurable Interest in relation with Fire Insurance. The descriptive qualitative method was employed in the research. Primary and secondary sources

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Rouaine, Zakaria, Mounir Jerry, and Ahlam Qafas. "Automobile Insurance: Analysis of the Impact of a Premium Change on the Behavior of Insured at the Time of Subscription and Termination." Journal of Business and Economics 10, no. 6 (2019): 517–30. http://dx.doi.org/10.15341/jbe(2155-7950)/06.10.2019/003.

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the subscription of an insurance contract allows an individual to take precautions against the repercussions of hazards and fortuitous events affecting their person or property. In return for this insurance policy, the insured pays a contribution at the beginning of the coverage period, while the insurer may have to provide a service if a certain type of damage occurs during the period in question. While the insurance market acts both on the insured by being able to induce him to terminate his insurance contract, in the case of excessive prices to those of other insurers, and on the insurer by

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9

Rahma Selina Yustika Yanti and Arief Suryono. "Analisis Yuridis Tanggung Jawab Perusahaan Asuransi Terhadap Asuransi Jiwa Kredit." Terang : Jurnal Kajian Ilmu Sosial, Politik dan Hukum 1, no. 1 (2024): 192–203. http://dx.doi.org/10.62383/terang.v1i1.83.

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The aim of this research is to investigate the regulations governing the position of the insured in credit life insurance and the responsibilities of insurance companies, as delineated in Decision Number 3079K/Pdt/2019. Credit life insurance serves as a mechanism for banks to mitigate the risk of debtor default in debt repayment resulting from the death of the debtor. It entails a collaborative effort between banks and insurance companies aimed at facilitating credit repayment to the bank in the event of the demise of the credit facility user (debtor). This research adopts a normative legal ap

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Njegomir, Vladimir. "Specifičnosti i značaj marketinga za uspeh u poslovanju osiguravajućih društava 2024VOL XXIII NO1ЕВРОПСКА РЕВИЈА ЗА ПРАВО ОСИГУРАЊА". Evropska revija za pravo osiguranja 23, № 1 (2024): 74–92. http://dx.doi.org/10.46793/erpo2301.74nj.

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The success of all business activities in the insurance and reinsurance industry is valued on the market, that is, by insureds. If insurance companies fully satisfy the requirements and needs of the insured in the right way, they will achieve business success. The aim of the research in the paper is to analyse the specificity and importance of marketing for the success of insurance companies. The key conclusion is that marketing results in a satisfied insured and a profitable insurer. Also, marketing in insurance ensures the growth of demand, which not only ensures higher income from the sale

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Chen, Xinxiang, Yichun Chi, and Ken Seng Tan. "THE DESIGN OF AN OPTIMAL RETROSPECTIVE RATING PLAN." ASTIN Bulletin 46, no. 1 (2015): 141–63. http://dx.doi.org/10.1017/asb.2015.19.

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AbstractA retrospective rating plan, whose insurance premium depends upon an insured's actual loss during the policy period, is a special insurance agreement widely used in liability insurance. In this paper, the design of an optimal retrospective rating plan is analyzed from the perspective of the insured who seeks to minimize its risk exposure in the sense of convex order. In order to reduce the moral hazard, we assume that both the insured and the insurer are obligated to pay more for a larger realization of the loss. Under the further assumptions that the minimum premium is zero, the maxim

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12

Golubin, A. Y. "Pareto-optimal Contracts in an Insurance Market." ASTIN Bulletin 35, no. 02 (2005): 363–78. http://dx.doi.org/10.2143/ast.35.2.2003458.

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In distinction to the Borch’s model of a reinsurance market, this paper treats the problem of optimal risk exchange in an insurance market where treaties are allowed between the insurer and each insured only, not among insureds themselves. A characterization of the Pareto-optimal contract is found. It is shown that the indemnity function in the contract is of a coinsurance kind. We also present a way of finding Pareto-optimal contracts under individual rationality constraints. The obtained results are compared with those of the known model of risk exchange in a reinsurance market.

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Golubin, Alexey Y. "Pareto Optimality and Equilibrium in an Insurance Market." ASTIN Bulletin 38, no. 02 (2008): 441–59. http://dx.doi.org/10.2143/ast.38.2.2033349.

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The concept of economic equilibrium under uncertainty is applied to a model of insurance market where, in distinction to the classic Borch’s model of a reinsurance market, risk exchanges are allowed between the insurer and each insured only, not among insureds themselves. Conditions characterizing an equilibrium are found. A variant of the conditions, based on the Pareto optimality notion and involving risk aversion functions of the agents, is derived. An existence theorem is proved. Computation of the market premiums and optimal indemnities is illustrated by an example with exponential utilit

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Golubin, A. Y. "Pareto-optimal Contracts in an Insurance Market." ASTIN Bulletin 35, no. 2 (2005): 363–78. http://dx.doi.org/10.1017/s051503610001429x.

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In distinction to the Borch’s model of a reinsurance market, this paper treats the problem of optimal risk exchange in an insurance market where treaties are allowed between the insurer and each insured only, not among insureds themselves. A characterization of the Pareto-optimal contract is found. It is shown that the indemnity function in the contract is of a coinsurance kind. We also present a way of finding Pareto-optimal contracts under individual rationality constraints. The obtained results are compared with those of the known model of risk exchange in a reinsurance market.

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Golubin, Alexey Y. "Pareto Optimality and Equilibrium in an Insurance Market." ASTIN Bulletin 38, no. 2 (2008): 441–59. http://dx.doi.org/10.1017/s0515036100015245.

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The concept of economic equilibrium under uncertainty is applied to a model of insurance market where, in distinction to the classic Borch’s model of a reinsurance market, risk exchanges are allowed between the insurer and each insured only, not among insureds themselves. Conditions characterizing an equilibrium are found. A variant of the conditions, based on the Pareto optimality notion and involving risk aversion functions of the agents, is derived. An existence theorem is proved. Computation of the market premiums and optimal indemnities is illustrated by an example with exponential utilit

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16

Samudera, Berto Tegar. "Rejection of Accident Insurance Claims by Insurance Companies." NORMA 18, no. 2 (2021): 1. http://dx.doi.org/10.30742/nlj.v18i2.1585.

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Insurance is a form of compensation for the occurrence of uncertain risks and the delegation of responsibility to bear those risks. The event of this risk is uncertain because it depends on uncertainty. The transfer of risk is carried out by making an insurance agreement or insurance agreement. The first party is usually referred to as the insured. The second is the party willing to accept the risk of the first party by accepting a payment called a premium. Risk takers are often referred to as insurance companies. The research method used in this study uses a legal approach research method (st

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17

Aswin, Suhendro, and Indra Afrita. "SETTLEMENT OF DEFAULTS IN THE LIFE INSURANCE POLICY BETWEEN THE INSURER AND THE INSURED." JILPR Journal Indonesia Law and Policy Review 2, no. 2 (2021): 57–72. http://dx.doi.org/10.56371/jirpl.v2i2.44.

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When the policy holder or insurance participant or the insured experiences a disaster or suffers a loss or damage as stated in the contract, the insured has the right to file an insurance claim. The recipient of this insurance is not only the insured whose name is listed as the policy holder of the insurance company but can also be another person appointed directly by the insured. The formulation of the problem in this study is the Default in the Life Insurance Policy between the Insurer and the Insured, howSettlement of Defaults in Life Insurance Policies Between the Insurer and the Insured a

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18

Frostig, Esther, Doron Kliger, and Benny Levikson. "THE DEFERRAL OPTION IN LONG-TERM-CARE INSURANCE." Probability in the Engineering and Informational Sciences 16, no. 1 (2002): 101–19. http://dx.doi.org/10.1017/s0269964802161079.

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Long-term-care (LTC) insurance contracts provide the insured with different benefits for several nursing care levels, for a limited number of benefit eligibility periods. A common assumption in pricing these LTC contracts is that the insured will exercise the right to claim benefits as soon as the eligibility conditions are satisfied. This assumption, however, may contradict the insured's optimization, as it might be worthwhile not to claim when in low care levels and, by doing so, save the option of claiming higher (more expensive) care levels in the future. We term this option of the insured

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Zhao, Peng-Ju. "The Utilization and Limitation of Genetic Information in Insurance: Improvement Plan of China’s“Genetic Non-discrimination Act”." Wonkwang University Legal Research Institute 28 (December 31, 2022): 259–93. http://dx.doi.org/10.22397/bml.2022.28.259.

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According to current Chinese law, insurance companies cannot use genetic information for medical, disease, disability, care and medical accident insurance. Nevertheless, this approach has not effectively solved the problem of “genetic discrimination” in China. Genetic information plays a vital role in insurance. The theory that genetic information can be used in insurance is based on risk classification and price equilibrium principle. Adverse selection can be avoided by dividing genetic information into different risk classes. This is an inevitable requirement of the insurer's right to know.

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20

Schneider, Russell. "Health insurance: managing risk in the private sector." Australian Health Review 25, no. 6 (2002): 49. http://dx.doi.org/10.1071/ah020049.

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How does Australia, in both its private and public sectors, provide the health care that Australians want and need at prices they can afford to pay? If this is to be sustainable in the private sector health funds need to be given a capacity to manage their risk exposure. Provided insurers continue to insure sick people, costs will be driven not so much by the age profile of the insured population (though it will have some effect) as by technology and its capacity to supply and create the demands of the aged (not ageing per se). Handling these costs is the real challenge for the future.

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Windiantina, Wiwin Wintarsih, Eman Suparman, Isis Ikhwansyah, and Nyulistiowati Suryanti. "Implementation of Ex-Gratia Claim Payment in Insurance Agreement." Mediterranean Journal of Social Sciences 13, no. 1 (2022): 60. http://dx.doi.org/10.36941/mjss-2022-0007.

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This study aims to explain descriptively about the implementation of ex-gratia claims on life insurance agreements, how to pay and settle ex-gratia claims and ex-gratia claim terms. In the Life Insurance agreement, the insured party when experiencing an unexpected risk of obtaining its rights in the settlement of claims. The occurrence of rejection of claims on life insurance, becomes the cause of a lack of understanding of the actual articles and regulations must be understood before deciding to use insurance. In fact, not all losses suffered by the insured in the insurance agreement can be p

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Shodmonova, Odina. "NATURE OF INSURANCE SERVICES, TYPES AND THEIR GROUPING." MODERN SCIENCE AND RESEARCH 2, no. 12 (2023): 164–67. https://doi.org/10.5281/zenodo.10337122.

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<i>Insurance is a risk management tool that has become an integral part of our lives. It is a contract between two parties, the insurer and the insured, in which the insurer promises to compensate the insured for any financial loss that may occur due to an unforeseen event. This article provides general information about the concept, nature and types of insurance and their importance in modern life.</i>

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Boucher, Jean-Philippe. "Multiple Bonus–Malus Scale Models for Insureds of Different Sizes." Risks 10, no. 8 (2022): 152. http://dx.doi.org/10.3390/risks10080152.

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How to consider the a priori risks in experience-rating models has been questioned in the actuarial community for a long time. Classic past-claim-rating models, such as the Buhlmann–Straub credibility model, normalize the past experience of each insured before applying claim penalties. On the other hand, classic Bonus–Malus Scales (BMS) models generate the same surcharges and the same discounts for all insureds because the transition rules within the class system do not depend on the a priori risk. Despite the quality of prediction of the BMS models, this experience-rating model could appear u

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Urrutia, Jorge L. "The Expected Utility Maximization Framework And The Demand and Supply For Retroactive Liability Insurance." Journal of Applied Business Research (JABR) 7, no. 1 (2011): 75. http://dx.doi.org/10.19030/jabr.v7i1.6262.

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The paper uses the expected utility of wealth maximization principle to establish the economic boundaries under which a market for retroactive liability insurance will develop. It is shown that the economic feasibility for the backdated insurance coverage is affected by the income tax rates, and the levels of risk aversion of the potential insurer and insured and by the time to settlement. However, the potential insurers tax rate is more relevant than the other parameters.

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KULUNDU-BITONYE, WANYAMA. "RIOT VICTIMS AND THE DOCTRINE OF PROXIMA CAUSA IN INSURANCE LAW: THE LESOTHO EXPERIENCE." Journal of African Law 46, no. 1 (2002): 59–91. http://dx.doi.org/10.1017/s0221855302001797.

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One of the most critical factors on the conclusion of an insurance contract is to determine the extent of the insurance risk or cover. This enables parties to the contract to ascertain for themselves the rights and obligations under the policy. On the one hand, the extent of insurance risk determines what is recoverable by the insured or assured on the occurrence of the insured event, and, on the other hand, what level of liability is assumed and the premiums payable to the insurer. The extent of insurance risk also determines what rememdial action, if any, may be undertaken by the insured or

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Park, Inho. "Correlation between the duty to notify and the duty to notify changes or increases in risk." Legal Studies Institute of Chosun University 31, no. 3 (2024): 19–60. https://doi.org/10.18189/isicu.2024.31.3.19.

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There are cases where the risk causing the insured accident is left to the subjective choice of the insured, such as when the policyholder hid the fact that he or she uses or drives a motorcycle when signing the insurance contract and then continued to drive the motorcycle without notifying the insurer of this fact, or when the policyholder hid the fact that he or she is engaged in a dangerous occupation and then signed the insurance contract and then continued to engage in that occupation. If the insured fails to notify the risk, a breach of the duty to notify is recognized. However, if the r

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Møller, Thomas. "Risk-Minimizing Hedging Strategies for Unit-Linked Life Insurance Contracts." ASTIN Bulletin 28, no. 1 (1998): 17–47. http://dx.doi.org/10.2143/ast.28.1.519077.

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AbstractA unit-linked life insurance contract is a contract where the insurance benefits depend on the price of some specific traded stocks. We consider a model describing the uncertainty of the financial market and a portfolio of insured individuals simultaneously. Due to incompleteness the insurance claims cannot be hedged completely by trading stocks and bonds only, leaving some risk to the insurer. The theory of risk-minimization is briefly reviewed and applied after a change of measure. Risk-minimizing trading strategies and the associated intrinsic risk processes are determined for diffe

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Berkovitch, Elazar, and Itzhak Venezia. "Term Vs. Whole Life Insurance—A Note." Journal of Accounting, Auditing & Finance 7, no. 2 (1992): 241–49. http://dx.doi.org/10.1177/0148558x9200700211.

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This paper attempts to explain why individuals may purchase whole life insurance even when term (short period) insurance seems to be less expensive. Under a whole life insurance contract (referred to also as straight life insurance) the insured pays the same rates over his or her lifetime although his or her future health may change. Individuals whose health has deteriorated (relative to their age) over time are more likely to hold on to their contracts than individuals whose health has improved (relative to their age) and who may find it profitable to break their contract and purchase a new o

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Iffat Jahan Qaiser. "Efficiency Analysis of LICI and Select Private Sector Life Insurance Companies in India - A Comparative Study." Management Journal for Advanced Research 2, no. 4 (2022): 22–34. http://dx.doi.org/10.54741/mjar.2.4.4.

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Insurance refers as a contract in which the insured transfers risk of potential loss to the insurer who promises to compensate the former upon suffering loss. The promise is called the insurer and the promise is called the insured. Insurance premium is the monetary consideration paid by the insured to the insurer for the cover granted by the insurance policy. The objective of the present study is to investigate the factors affecting efficiency of insurance companies operating in India. The target population of the study was 24 public and private life insurance companies and four important fina

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Ivanov, Sergey A., and Tat'yana N. Vyazovskaya. "Information Obligations of the Parties to the Business Risk Insurance Contract." Теория и практика общественного развития, no. 7 (July 26, 2023): 206–12. http://dx.doi.org/10.24158/tipor.2023.7.27.

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In order to protect one’s property interests, entrepreneurs can take advantage of the benefits of the entrepre-neurial risk insurance contract. Despite the effectiveness of minimization of damage from situations against which they have insured themselves, when considering the provisions of civil legislation, as well as a special law regulating the sphere of insurance services, a problem is revealed. The authors point out the absence of established obligations among the participants in the business risk insurance contract, when one of the parties does not have the necessary information that is

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Christin, Apriyani Purba, and Dewi Wulansari Catharina. "Changes in the Agreement Clause between the Parties in the Insurance Policy That Has an Impact on Losses Reviewed From the Perspective of Legal Sociology." INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND ANALYSIS 07, no. 05 (2024): 1904–9. https://doi.org/10.5281/zenodo.11112685.

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Insurance is an agreement that has been mutually agreed upon between the insurer (insurance company) and the insured (someone who buys insurance services), where in the agreement the insured must pay a certain amount of money within a certain period of time, which is called a premium. Life insurance premiums depend on life chances and interest rates that represent financial market dynamics. Insurance is a financial means in household life to face basic risks such as the risk of death or the risk of loss of property. One type of life insurance is dual-purpose life insurance, namely insurance th

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Lubis, Rusdi Hamka. "Sistem Prosedur Pialang Asuransi Syariah Berbasis Digital di Indonesia." Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah 13, no. 01 (2021): 33–46. http://dx.doi.org/10.59833/altasyree.v13i01.169.

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Identifying the risk of the insured party is the main task of the insurance broker who acts as the insured's representative who has the right to become an intermediary between the insured party and the insurance company. The purpose of this study is to analyze the governance of sharia insurance brokers in identifying the risks that exist to the insured. Qualitative method is a method used to provide a comprehensive picture. The results of this study state that sharia insurance brokers have implemented good corporate governance and have carried out their duties and obligations as representative

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Lubis, Rusdi Hamka. "Sistem Prosedur Pialang Asuransi Syariah Berbasis Digital di Indonesia." Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah 13, no. 01 (2025): 33–46. https://doi.org/10.59833/qv7e8q30.

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Identifying the risk of the insured party is the main task of the insurance broker who acts as the insured's representative who has the right to become an intermediary between the insured party and the insurance company. The purpose of this study is to analyze the governance of sharia insurance brokers in identifying the risks that exist to the insured. Qualitative method is a method used to provide a comprehensive picture. The results of this study state that sharia insurance brokers have implemented good corporate governance and have carried out their duties and obligations as representative

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Wagener, Anthea Natalie. "The Impact on Women on the Removal of Gender as a Rating Variable in Motor-Vehicle Insurance." Potchefstroom Electronic Law Journal/Potchefstroomse Elektroniese Regsblad 16, no. 1 (2017): 482. http://dx.doi.org/10.17159/1727-3781/2013/v16i1a2319.

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Insurers use actuarial statistics as rating variables to differentiate and distinguish for the purposes of risk classification. They justify their use of actuarial statistics due to its accuracy as a predictor of risk. South African motor-vehicle insurers use gender, inter alia, as a rating variable to classify risks into certain classes and to determine insurance premiums. Depending upon whether the insured is male or female, it could have a significant impact on the cost of his or her premium. Women drivers pay less for motor-vehicle insurance because actuarial statistics indicate that women

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Rong, Xing, and Yunzhou Zhu. "Optimal Reinsurance Design for Pareto Optimum: From the Perspective of Multiple Reinsurers." Mathematical Problems in Engineering 2016 (2016): 1–10. http://dx.doi.org/10.1155/2016/1957016.

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This paper investigates optimal reinsurance strategies for an insurer which cedes the insured risk to multiple reinsurers. Assume that the insurer and every reinsurer apply the coherent risk measures. Then, we find out the necessary and sufficient conditions for the reinsurance market to achieve Pareto optimum; that is, every ceded-loss function and the retention function are in the form of “multiple layers reinsurance.”

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Khorooshi, Abdolazim, Habibollah Rahimi, Abbas Ghasemi Hamed, and Jalil Maleki. "Basis of Contract Clause in the UK and the Necessity for Reforming Insurance Law in Iran." Journal of Politics and Law 10, no. 2 (2017): 156. http://dx.doi.org/10.5539/jpl.v10n2p156.

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In insurance, terms and conditions by insurers at the end of proposal forms or insurance contracts will be included in print that the insured has confirmed the authenticity of answer to questions and provided information, and agrees that the statements are "basis of contract". If an inaccuracy of those announcements proves later, insurer regardless of the importance of statements in acceptance of the risk or determination of the premium can disclaim based on this clause himself and avoid the contract. The basis of condition clause is emerged from common law and also used in insurance law of Ir

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Kuru, Damla, and Sema Bayraktar. "The effect of cyber-risk insurance to social welfare." Journal of Financial Crime 24, no. 2 (2017): 329–46. http://dx.doi.org/10.1108/jfc-05-2016-0035.

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Purpose Previous studies generally focused on the definition of cybercrime and its effect on the market. Following Kesan’s study, this paper aims to analyse the relationship between cyber insurance and social welfare and compare it among three countries, namely, USA, UK and Turkey. The paper also discusses the main obstacles that the cyber insurer has to deal with and its effect on social welfare. This paper answers two questions related to cyber insurance at an aggregate level. First, “what kind of contribution does cyber insurance make to social welfare?” Second,“What kind of problems do ins

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Tarr, Anthony A., and Julie-Anne Tarr. "The Insured's Non-Disclosure In The Formation Of Insurance Contracts: A Comparative Perspective." International and Comparative Law Quarterly 50, no. 3 (2001): 577–612. http://dx.doi.org/10.1093/iclq/50.3.577.

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The requirements that an insured disclose all facts material to a transaction as well as not misrepresent material facts in the formation of an insurance contract are universal requirements of insurance law.1 The nature and extent of these obligations varies from one jurisdiction to the next but the fundamental justification for the duty to provide accurate information rests upon the perceived asymmetry of information as between insurer and insured as to the risk to be transferred.2 Disclosure in the insurance context is distinct from the general approach in commercial contracts, and in others

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Mallow, Peter J., and Kathy W. Belk. "Cost–utility analysis of single nucleotide polymorphism panel-based machine learning algorithm to predict risk of opioid use disorder." Journal of Comparative Effectiveness Research 10, no. 18 (2021): 1349–61. http://dx.doi.org/10.2217/cer-2021-0115.

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Aim: To conduct a cost–utility analysis of a novel genetic diagnostic test (OUDTEST) for risk of developing opioid use disorder for elective orthopedic surgery patients. Materials & Methods: A simulation model assessed cost–effectiveness and quality-adjusted life-years (QALYs) for OUDTEST from private insurer and self-insured employer perspectives over a 5-year time horizon for a hypothetical patient population. Results: OUDTEST was found to cost less and increase QALYs, over a 5-year period for private insurance (savings US$2510; QALYs 0.02) and self-insured employers (-US$2682; QALYs 0.0

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Nurhayati, Nurhayati, and Poltak Parulian Sitompul. "DETERMINASI PROFITABILITAS PERUSAHAAN ASURANSI KONVENSIONAL YANG TERDAFTAR DI BEI." Media Ekonomi 29, no. 2 (2022): 99–112. http://dx.doi.org/10.25105/me.v29i2.10733.

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The insurance mechanism is basically a risk transfer from the insured (policy holder community) to the insurer (insurance company), and for their willingness to ensure the risk, the company benefits from the premium offered. Insurance companies are also non-bank financial institutions that have an intermediary function to channel funds from surplus spending units to deficit spending units. The concept that is run by insurance companies in seeking profit or profit is to sell services. Basically, the company does not receive a service fee because the risk of the insured is the original risk insu

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RADULOVIĆ, DEJAN, and SARA ZARUBICA. "NEED AND REASONS FOR INSURANCE OF NOTARY PUBLICS DURING NOTARY ACTIVITY." Kultura polisa, (2021), special edition (2) (December 5, 2021): 135–55. http://dx.doi.org/10.51738/kpolisa2021.18.2p.1.10.

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In this paper, the authors investigate the needs and reasons for securing notaries when performing notary activities. The paper should investigate and answer, what is the interest of the state, notaries and parties, in connection with performing notarial activity, legal basis and manner of conducting professional liability insurance of notaries, determining the amount of the insured case, the occurrence of the insured case, comparative legal solutions rights. The paper deals with persons who are participants in insurance (insured, insurer, injured party and other persons covered by insurance),

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Masri, Esther. "PELANGGARAN PRINSIP ITIKAD BAIK DALAM PERJANJIAN ASURANSI PADA P.T. ASURANSI JIWASRAYA CABANG PADANG." KRTHA BHAYANGKARA 12, no. 1 (2018): 116–39. http://dx.doi.org/10.31599/krtha.v12i1.33.

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This study uses empirical juridical method where research with a view to legal provisions in practice. This study concerns the basic factors underlying the onset of any breach of the principle of utmost good faith in the insurance agreement as well as how the settlement and legal consequences of the breach of the principle of utmost good faith in the contract of insurance. The author uses the qualitative data analysis to make an assessment of data that authors get on the field with the help of literatures related research. Based on the research that earned the author the P.T. Asuransi Jiwasray

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KHAN, MOHD AMEER, MAHESH CHANDER, and D. BARDHAN. "Risk perceptions and risk management strategies of insured and non-insured dairy farmers: A comparative study." Indian Journal of Animal Sciences 84, no. 6 (2014): 694–98. http://dx.doi.org/10.56093/ijans.v84.i6.41654.

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This study was conducted to analyze the farmers’ perceptions of risk and risk management among the farmers who had insured and non-insured their dairy animals. The data originated from a questionnaire survey of insured (120) and non-insured (120) dairy farmers in Gorakhpur district of Uttar Pradesh. Farmers’ Socio-economic characteristics, risk perceptions and risk management strategies were documented. The average land holding, educational status and dairy farm experience of insured respondents was slightly larger than that of the non-insured dairy farmers. Epidemic livestock diseases, climat

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Naik, P. Bhargav, A. Vidhyavathi, S. Padma Rani, R. Vasanthi, and A. Janaki Rani. "Risk Attitude of Farmers in the Climate Extreme Region of Andhra Pradesh, India." International Journal of Environment and Climate Change 13, no. 10 (2023): 583–89. http://dx.doi.org/10.9734/ijecc/2023/v13i102689.

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Aim: The objective of the current study was to assess the risk attitude of both insured and non-insured farmers and identify the factors influencing the risk attitude of insured and non-insured farmers. Study Area and Design: An ex-post-facto study was conducted, and the stratified random sampling method was used to collect the data at selected villages in Prakasam district, Andhra Pradesh. Methodology: A sample of 150 farmers of chilli and cotton was collected (90 insured and 60 non-insured). Data regarding the agriculture year 2021-22 was analysed using Moscardi and de Janvry app

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Catur Widyo Utomo and Mulawarman Awaloedin. "ESTIMASI CADANGAN KLAIM PRODUK ASURANSI JIWA KREDIT UNTUK PESERTA PENSIUN." (JEMS) Jurnal Entrepreneur dan Manajemen Sains 4, no. 1 (2023): 1–15. http://dx.doi.org/10.36085/jems.v4i1.4150.

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Theoretically, insurance companies rarely suffer losses. Insurance companies in managing finances, are very careful, because they will face possible risks in the future in the form of claim payments. Therefore, in selling the products, they do not use the usual forms of marketing. They use agents and brokers in distributing risk products that are sold. In addition, for certain reasons, the company also cooperates with other parties. This cooperation is essentially a form of strategic alliance. Namely cooperation between the insurance company as the issuer of the policy with the bank as the own

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Jung, Seo Young. "Termination of Insurance Contract due to Violation of Obligation to Give Notice under Article 652 of the Commercial Law: A critical analysis of the Korea Supreme Court Case No. 2012Da62318 rendered on 24. July 2014." Korean Insurance Law Association 17, no. 3 (2023): 35–52. http://dx.doi.org/10.36248/kdps.2023.17.3.035.

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In the case of an accident while driving a motorcycle after signing an accident insurance, the judgment is divided by the court on whether the Policyholder knew the “legal” meaning of motorcycle driving in relation to the insurance contract according to the evidence submitted by the Plaintiff and the Defendant. In the target case, the court accepted the argument made by the insurer that the insured party violated the legal duty to inform after contract them, as they did not inform the insurer despite knowing that motorcycle driving represented an increase in risk. Given that the duty to

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Vandebroek, Martina. "Pareto-Optimal Profit-Sharing." ASTIN Bulletin 18, no. 1 (1988): 47–55. http://dx.doi.org/10.2143/ast.18.1.2014959.

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AbstractThe Pareto-optimal design for profit-sharing is derived under general assumptions as to the utility function of both the insured and the insurer. This generalizes the result of Jones and Gerber and explains commonly used dividend formulas in terms of risk aversion.

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Dismukes, R. A., P. G. Allen, and B. J. Morzuch. "Participation in Multiple-Peril Crop Insurance: Risk Assessments and Risk Preferences of Cranberry Growers." Northeastern Journal of Agricultural and Resource Economics 18, no. 2 (1989): 109–17. http://dx.doi.org/10.1017/s0899367x00001963.

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To investigate the poor participation rate of cranberry growers in the multiple-peril crop insurance program, a sample of 15 Massachusetts growers was interviewed. According to their risk preferences, a much greater proportion of growers should have insured, than actually did. A possible solution is to match the distribution used by the insurer closer to that believed by the grower. Adjusting each grower's historical yield series for trend brought the historical and subjective mean yields much closer. However, an aggregate test found the effect of adjustment to be insignificant, implying that

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Thompson, James R. "Counterparty Risk in Financial Contracts: Should the Insured Worry about the Insurer?*." Quarterly Journal of Economics 125, no. 3 (2010): 1195–252. http://dx.doi.org/10.1162/qjec.2010.125.3.1195.

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YABLUNOVSKAYA, ANGELINA M. "GROSS NEGLIGENCE OF THE INSURED OR BENEFICIARY IN LIABILITY INSURANCE." Ser-11_2023-3 64, no. 3, 2023 (2023): 154–70. http://dx.doi.org/10.55959/msu0130-0113-11-64-3-11.

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The article analyzes the concept of gross negligence in the occurrence of an insured event and its legal significance for liability insurance. The broad interpretation of gross negligence in judicial practice leads to an increase in the number of cases of refusal to pay insurance compensation. For this reason, customs representatives and other professional participants in the turnover cannot use insurance protection in situations for which such protection is provided. Using the examples of judicial practice, the author substantiates the need to analyze all elements of the insured event as a wh

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