scholarly journals Friendly Societies, Commercial Insurance, and the State in Sickness Risk Coverage: The Case of Spain (1880–1944)

2011 ◽  
Vol 56 (1) ◽  
pp. 71-101 ◽  
Author(s):  
Jerònia Pons Pons ◽  
Margarita Vilar Rodríguez
Keyword(s):  
Private Insurance ◽  
The State ◽  
Self Organization ◽  
Insurance Companies ◽  
Health Coverage ◽  
Sickness Insurance ◽  
Slow Development ◽  
Friendly Societies ◽  
Franco Dictatorship ◽  
Limited Coverage

SummaryThe main aim of this paper is to analyse the singularity of the Spanish position with regard to coverage of the risk of sickness within the context of the different welfare models described in international literature. This analysis enables us to verify that in Spain, as in other countries, there were initially different forms of sickness coverage which coexisted, created by the market, by workers themselves and, gradually, by the state. Within this so-called mixed economy of welfare, the most extensive health coverage for the Spanish population was a result of the self-organization of workers, and this continued until the Civil War (1936–1939), not so much due to its efficacy and viability, as to the slow development of private insurance companies and the inability of the state to implement compulsory sickness insurance. The installation of the Franco dictatorship meant that the introduction of compulsory sickness insurance was further delayed, and when it was eventually passed, it offered only limited coverage, was enacted more for political than for social ends, and was to result in the virtual disappearance of friendly societies.

Healthcare of the Netherlands

2022 ◽  
pp. 67-69
Author(s):  
Elena Vladimirovna Frolova ◽  
Keyword(s):  
Health Insurance ◽  
The Netherlands ◽  
Western Europe ◽  
Private Insurance ◽  
The State ◽  
Insurance Companies ◽  
Malignant Neoplasms ◽  
Average Life Expectancy ◽  
Medical Reform ◽  
Cause Of Deaths

The Netherlands is a state located in Western Europe bordering Germany and Belgium. The population of the country is just over 17million people. In terms of GDP, theNetherlands is among the twenty richest countries in the world, and in terms of exports, it is in the top ten. The average life expectancy in theNetherlands is 81.4 years; in the structure ofmortality, malignant neoplasms come out on top, which distinguishes the state from other European countries, where the main cause of deaths is cardiovascular diseases. The compulsory health insurance system was introduced in the country in 2006 after the medical reform. A distinctive feature of the Dutch healthcare system is its relative autonomy from the state, which performs only the function of an external controller, and all other powers belong to the municipal authorities. As a result, several private insurance companies have been admitted to health insurance in the Netherlands, which create healthy competition among themselves, thereby contributing to better quality and more affordable healthcare.

scholarly journals ENSURING THE ECONOMIC SECURITY OF THE STATE IN INSURANCE PROCESSES

2020 ◽  
pp. 198-202
Author(s):  
І. В. Ліченко
Keyword(s):  
Economic Growth ◽  
National Economy ◽  
Private Insurance ◽  
Economic Security ◽  
The State ◽  
Sustainable Growth ◽  
Insurance Companies ◽  
Government Agencies ◽  
External Threats ◽  
National Institutions

In the current conditions of instability of the national economy and tense geopolitical situation, one of the key factors contributing to the realization of national interests and priorities of Ukraine is economic security. Which characterizes a state of the economy in which the economic interests of the enterprise, region, state and society are reliably protected from internal and external threats. The development of integration processes in the world community contributes to the economic growth of the state, however, like any development process, it faces a number of negative factors and risks that pose a threat to economic security. Given the complexity of the processes in domestic and foreign policy, the majority of the population is unsure of their future. The global crisis has revealed serious shortcomings in the mechanism for managing the economic security of the state and domestic economic entities, which has been reflected in declining economic growth, gross domestic product, rising unemployment and other indicators. As a result, there is a growing focus on security and risk management tools at the macroeconomic level, as well as their effectiveness in the national context. The article examines the mechanisms of ensuring the economic security of the state in the insurance process, which are crucial factors for sustainable growth and functioning of the national economy as a whole. Various areas are considered: ensuring the safety of policyholders, private insurance companies, national institutions (government agencies, organizations). The article examines the mechanisms for ensuring the economic security of the state in the insurance process, which are the most important components of stable growth and functioning of the national economy as a whole. Various areas are considered: ensuring the safety of insured persons, private insurance companies, national institutions (government agencies, organizations). The economic security of the state must be ensured, first of all, by the efficiency of the economy itself, that is, along with the protective measures taken by the state, it must protect itself on the basis of high productivity, product quality and more.

scholarly journals What Health Care Reform Means for Immigrants: Comparing the Affordable Care Act and Massachusetts Health Reforms

2016 ◽  
Vol 41 (1) ◽  
pp. 101-116 ◽  
Author(s):  
Tiffany D. Joseph
Keyword(s):  
Health Care ◽  
Health Care Reform ◽  
Affordable Care Act ◽  
Private Insurance ◽  
Insurance Companies ◽  
Comparative Case Study ◽  
Health Coverage ◽  
Middle Income ◽  
Patient Protection ◽  
Individual Mandate

Abstract The 2010 Patient Protection and Affordable Care Act (ACA) was passed to provide more affordable health coverage to Americans beginning in 2014. Modeled after the 2006 Massachusetts health care reform, the ACA includes an individual mandate, Medicaid expansion, and health exchanges through which middle-income individuals can purchase coverage from private insurance companies. However, while the ACA provisions exclude all undocumented and some documented immigrants, Massachusetts uses state and hospital funds to extend coverage to these groups. This article examines the ACA reform using the Massachusetts reform as a comparative case study to outline how citizenship status influences individuals' coverage options under both policies. The article then briefly discusses other states that provide coverage to ACA-ineligible immigrants and the implications of uneven ACA implementation for immigrants and citizens nationwide.

scholarly journals Functioning of the pension system of Ukraine, United Kingdom and the USA: comparative and legal characteristics

2020 ◽  
pp. 141-147
Author(s):  
V.V. Mirgorod-Karpova ◽  
K.R. Koroshchenko
Keyword(s):  
United Kingdom ◽  
Pension System ◽  
Private Insurance ◽  
The United States ◽  
The State ◽  
Insurance Companies ◽  
Complete Analysis ◽  
Retirement Pension ◽  
Economic Problems ◽  
The Government

The article deals with the problem of the pension system of Ukraine. And also a complete analysis of the pension system that exists in Ukraine, the US and the UK. The possibility of a pension for any country in the world is an opportunity for the full exercise of power by their authorities, as well as the achievement of the goal of the state - full social security for its citizens. In Ukraine, the existence of a solidarity system alone raises a number of problems. One of them is a working population less than people in need of a pension. That is, citizens have earned, but do not receive it in full, because there is a principle of a solidarity system of “heredity of generations”. World experience has shown that the most reliable retirement benefit is the one I have taken care of. Citizens in countries where there are fewer economic problems than in Ukraine have the opportunity to accumulate their retirement pension separately and use it when they reach retirement age. There are various private insurance companies where a person can deduct a portion from their salary. It is up to the individual to decide what part of the pension to accumulate in retirement. Such prudent citizens most often have two state pensions and from such private funds, the quality of life is certainly rising. The purpose of the Ukrainian pension system is to provide Ukrainians with pensions in full, and also to solve economic problems that will allow them to accumulate their old age in addition. The government is trying to make changes to change the existing solidarity system, and is looking for ways to address the situation in which pensioners do not receive the amount of money they donated to the state. The purpose of the article is to investigate the pension system of the countries where the highest pensions are, namely: the United States and the United Kingdom. Using the experience of foreign countries to build a reliable pension in Ukraine.

scholarly journals PROVISION OF INSURANCE PROCESSES IN UKRAINE BY LAW ENFORCEMENT AUTHORITIES

2020 ◽  
Vol 2 (4(106)) ◽  
pp. 170-176
Author(s):  
М. Я. Стрипко
Keyword(s):  
Economic Growth ◽  
Law Enforcement ◽  
National Economy ◽  
Private Insurance ◽  
Economic Security ◽  
The State ◽  
Insurance Companies ◽  
Government Agencies ◽  
Law Enforcement Agencies ◽  
National Institutions

The relevance of the article is that in today's conditions of instability of the national economy in the field of insurance, one of the key factors contributing to the national interests and priorities of Ukraine is economic security, which characterizes the state of the economy in which economic interests are reliably protected from internal and external threats. The development of integration processes in the world community contributes to the economic growth of the state, however, like any development process, it faces a number of negative factors and risks that pose a threat to economic security in the field of insurance. The global economic crisis has revealed serious shortcomings in the mechanism for managing the economic security of the state and domestic economic entities, which has been reflected in declining economic growth, gross domestic product, rising unemployment and other indicators. As a result, there is a growing focus on security and risk management tools at the macroeconomic level, as well as their effectiveness in the national context. World experience shows that ensuring economic security is a guarantee of state independence, a condition for stability and efficiency of society, and success. Therefore, ensuring economic security in the field of insurance is one of the most important national priorities. The article examines the mechanisms for ensuring insurance processes by law enforcement agencies, which are the basis for sustainable growth and functioning of the national economy as a whole. Various areas are considered: ensuring the safety of policyholders, private insurance companies, national institutions (government agencies, organizations). The article examines the mechanisms for ensuring insurance processes by law enforcement agencies, which are the basis for the growth and functioning of the national economy as a whole. Various areas are considered: ensuring the safety of insured persons, private insurance companies, national institutions (government agencies, organizations).

A PROPOSED EVALUATION PLAN TO ASSESS THE IMPACT OF A YOUTH DEVELOPMENT PROGRAMME FACILITATED BY THE STATE INFORMATION TECHNOLOGY AGENCY (SITA) IN RURAL SOUTH AFRICA

2017 ◽  
Vol 14 (1) ◽  
pp. 174-181
Author(s):  
Maura Mbunyuza-deHeer Menlah
Keyword(s):  
Information Technology ◽  
Youth Development ◽  
Rural Areas ◽  
Secondary Data ◽  
The State ◽  
State Information ◽  
Evaluation Plan ◽  
Lessons Learnt ◽  
Slow Development ◽  
The Impact

This article reports on a proposed evaluation plan that has been developed to assess the work done by the State Information Technology Agency (SITA). The SITA programme was implemented in response to the South African government’s call to improve the lives of the populations in some rural areas through technology. The programme was meant to address slow development in  rural  areas  that  lack  technological  innovations  and  advances.  In  the proposed evaluation plan a review is made of secondary data, deciding how strategic priorities are to be determined, as well as analysis of the rural context environment. The researcher gives an account of how the evaluation strategies are to be piloted and rolled out thereafter. Lessons learnt are recorded and reported upon. A proposed evaluation plan will be developed, based on the lessons learnt in line with the objectives of the project.

scholarly journals A PRELIMINARY STUDY ON THE PENETRATION OF PRIVATE INSURANCE COMPANIES IN CHENNAI CITY TOWARDS MIDDLE INCOME GROUP (WITH SPECIAL REFERENCE TO STRIVERS AS PER NACERS NOMENCLATURE)

2020 ◽  
Vol 8 (10) ◽  
pp. 702-722
Author(s):  
Mohan Kumar M. ◽  
◽  
P. Thiyagarajan ◽  
Er. R. Meenambigai ◽  
◽  
...  
Keyword(s):  
Empirical Study ◽  
Private Sector ◽  
Private Insurance ◽  
Income Group ◽  
Insurance Companies ◽  
Middle Income ◽  
Insurance Policies ◽  
Middle Income Group ◽  
Preliminary Study ◽  
Chennai City

The present empirical study has been conducted to understand how the middle income group (strivers) mitigate their risks by taking insurance policies from private sector insurance companies. What made them to choose private sector insurance companies? Whether the Private Sector insurance companies provide better service that made them to choose the private sector insurance companies.

scholarly journals Factors influencing and dynamics of the agricultural insurance market

VUZF Review ◽  
2021 ◽  
Vol 6 (2) ◽  
pp. 42-49
Author(s):  
Nataliya Tanklevska ◽  
Vitalina Yarmolenko
Keyword(s):  
Crop Production ◽  
Agricultural Sector ◽  
The State ◽  
Insurance Market ◽  
Insurance Companies ◽  
Agricultural Insurance ◽  
Agricultural Producers ◽  
Agricultural Enterprises ◽  
Insurance Sector ◽  
Factors Influencing

The article is aimed at identifying modern features of insurance in the agricultural sector of the Ukrainian economy and defining the factors of influence on the agricultural insurance market. The article discloses interpretation of the terms of «insurance» and «agricultural insurance» and also presents the types of possible risks arising in the activities of agricultural enterprises. The performance indicators of leading insurance companies in the field of agricultural insurance are analyzed. The current state and dynamics of insurance of agricultural risks, which arise both in the field of crop production and in livestock, are researched. This will allow predicting the future prospects of the market for insurance services and products, as well as finding possible optimal ways to solve the problems of product insurance, faced by the agricultural producers. The main factors influencing the efficiency of the insurance market in the agricultural insurance sector are allocated. The basic principles of insurance of agricultural products with the State support are analyzed. It is defined that the further development of agricultural insurance should be directed towards creating a profitable and safe environment for all participants in the agricultural market, which provides for the distribution of risks between agricultural producers, processing enterprises, banks, insurance companies and the State. The agricultural insurance of risks creates possibilities for advantageous harmonizing the interests of participants in the agricultural insurance market and the State as a party whose first priority is to ensure stable economic growth.

scholarly journals REFORMING THE PENSION SYSTEM OF UKRAINE TAKING INTO ACCOUNT THE EXPERIENCE OF POLAND

2021 ◽  
pp. 128-141
Author(s):  
T. Kravchenko ◽  
◽  
O. Moroz ◽  
Keyword(s):  
Banking Sector ◽  
Pension System ◽  
Pension Reform ◽  
Private Insurance ◽  
Private Pension ◽  
Insurance Companies ◽  
Pension Insurance ◽  
Financial Condition ◽  
Development Scenarios ◽  
Investment Returns

The state, stages of formation and problems of the pension system of Ukraine are considered. The main directions of pension reform are identified, taking into account the experience of Poland. The attitude of citizens to the current state and readiness for changes in the pension system of Ukraine is analyzed. The survey showed that the respondents are ready and support the reform of the Ukrainian pension system and the introduction of the accumulative component, but there is a big problem in the form of distrust of private pension funds and private insurance companies. It is determined that the pension system is no longer able to withstand the load and requires changes in the near future. Analysis of the pension system has shown that it has always been formed taking into account only short-term objectives, which makes it ineffective in strategic terms. It is substantiated that without the growth of the welfare of the population, the de-shadowing of the labor market and the introduction of accumulative pension insurance, the financial condition of the Ukrainian solidarity pension system will deteriorate every year. However, along with the expected positive effect of the introduction of the accumulative component in Ukraine, there are also risks, as fluctuations and instability of the domestic economy may lead to deterioration of the banking sector and insurance companies, which will reduce investment returns in the system or even partial loss of pension savings. Two development scenarios (pessimistic and optimistic) for the pension system of Poland and Ukraine are analyzed. It is determined that for the successful reform of the old solidarity system of Ukraine into a cumulative one it is necessary to: ensure sustainable GDP growth; create a centralized information system for collecting contributions; to personify and register all insured persons in the Pension Fund; identify the needs for qualified personnel, equipment and funds needed to meet the requirements of the new system; provide absolutely all conditions for the effective implementation of the private pension system.

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