scholarly journals Analisis Strategi Pemasaran untuk Meningkatkan Penjualan Produk Asuransi Syariah

2022 ◽  
Vol 21 (1) ◽  
pp. 53-62
Author(s):  
Lintang Dwiyana ◽  
Nuri Aslami
Keyword(s):  
Health Insurance ◽  
Marketing Strategy ◽  
Service Sector ◽  
Public Access ◽  
Insurance Companies ◽  
The Future ◽  
Negative Impacts ◽  
Economic Agreement

Insurance is an arrangement whereby the insurer binds the insured by receiving a premium, to compensate for the loss, damage, or loss of projected profits that the company may incur as a result of an uncertain event. Regarding the economy, insurance refers to an economic agreement that eliminates or reduces negative impacts in the future due to different possibilities (Asriyadi, 2019: 50). Sharia insurance is one of the institutions that provide services in the service sector, emerging in the midst of society, most of which are still do not understand about sharia insurance and use it. This causes people to be reluctant to use insurance services by labeling sharia. Marketing strategy is essentially a comprehensive, integrated and integrated plan in the field of marketing that provides guidance on the activities to be carried out to achieve the marketing goals of an entrepreneur. Entrepreneurship is a form of activity of people who are able to face challenges and take advantage of existing opportunities, while realizing a vision. Sharia insurance products cover 4,444 different products, namely insurance products with 4,444 savings items and 4,444 non-saving insurance products. Non-savings insurance products cover 4,444 individuals' health, personal accident and personal Al-Khairat. AlKhairat is for those who intend to replace the heirs if the participant experiences death during the agreement period (Ramadhani, 2015). To improve their products, many insurance companies are innovating by introducing new features, such as health insurance. Facilitate public access to insurance, especially for health insurance. Keywords: Insurance, Marketing Strategy, Sharia Insurance Products

scholarly journals Which health-related reasons lead to prehospital emergency care and how does subjective emergency status connect to subsequent care?

2021 ◽  
Author(s):  
Silke Piedmont ◽  
Anna Katharina Reinhold ◽  
Jens-Oliver Bock ◽  
Enno Swart ◽  
Bernt-Peter Robra
Keyword(s):  
Health Insurance ◽  
Emergency Care ◽  
Third Party ◽  
Insurance Companies ◽  
Prehospital Emergency Care ◽  
Health Related ◽  
Life Threatening ◽  
Prehospital Emergency ◽  
Health Insurance Companies ◽  
Reported Data

Abstract Objectives/Background In many countries, the use of emergency medical services (EMS) increases steadily each year. At the same time, the percentage of life-threatening complaints decreases. To redesign the system, an assessment and consideration of the patients’ perspectives is helpful. Methods We conducted a paper-based survey of German EMS patients who had at least one case of prehospital emergency care in 2016. Four health insurance companies sent out the questionnaire to 1312 insured persons. We linked the self-reported data of 254 respondents to corresponding claims data provided by their health insurance companies. The analysis focuses a.) how strongly patients tend to call EMS for themselves and others given different health-related scenarios, b.) self-perceived health complaints in their own index case of prehospital emergency care and c.) subjective emergency status in combination with so-called “objective” characteristics of subsequent EMS and inpatient care. We report principal diagnoses of (1) respondents, (2) 57,240 EMS users who are not part of the survey and (3) all 20,063,689 inpatients in German hospitals. Diagnoses for group 1 and 2 only cover the inpatient stay that started on the day of the last EMS use in 2016. Results According to the survey, the threshold to call an ambulance is lower for someone else than for oneself. In 89% of all cases during their own EMS use, a third party called the ambulance. The most common, self-reported complaints were pain (38%), problems with heart and circulation (32%), and loss of consciousness (17%). The majority of respondents indicated that their EMS use was due to an emergency (89%). We could detect no or only weak associations between patients’ subjective urgency and different items for objective care. Conclusion Dispatchers can possibly optimize or reduce the disposition of EMS staff and vehicles if they spoke directly to the patients more often. Nonetheless, there is need for further research on how strongly the patients’ perceived urgency may affect the disposition, rapidness of the service and transport targets.

scholarly journals Health Insurance as a Healthcare Financing Mechanism in India: Key Strategic Insights and a Business Model Perspective

2021 ◽  
pp. 025609092110270
Author(s):  
Rohit Kumar ◽  
Aditya Duggirala
Keyword(s):  
Health Insurance ◽  
Business Model ◽  
Critical Success Factors ◽  
Success Factors ◽  
Insurance Industry ◽  
Insurance Companies ◽  
Healthcare Financing ◽  
Strategic Choices ◽  
Critical Success ◽  
Health Insurance Industry

This study provides strategic insights and a business model perspective on health insurance as a vehicle for financing healthcare. It uses both primary (expert interview) and secondary data to investigate the overall disease burden and healthcare industry trends and track healthcare financing through the health insurance mechanism in India. To identify the critical success factors and to gain a business model perspective within the health insurance industry, telephonic and face-to-face interviews were held with 27 experts in the healthcare, insurance, and strategic management field. The study’s findings suggest that the growth of health insurance as a healthcare financing mechanism in India has been challenged continuously and impacted by multiple changes in the health insurance and healthcare industry over the last decade. One of the critical challenges faced by insurance companies is the high incurred claim ratio. We find the Indian health insurance industry to be very competitive and that the focus on critical success factors can help insurance companies gain a competitive advantage. The health insurance business model is unique, with varying configurations, and broadly comprises strategic choices and consequences. In this article, drawing from the strategic management literature on the resource-based view (RBV) and insights gained from the interviews of healthcare and health insurance experts, we highlight the six critical success factors relevant for competing in the health insurance business. We also list five strategic choices that can help health insurance companies improve their profitability and gain a sustained competitive advantage. We recommend that the insurance companies design and develop an innovative business model centred around lowering the claim ratio and simultaneously increasing the customer willingness to pay. To increase the customer willingness to pay and reduce the claim ratio, the insurance companies should focus on the six critical success factors and invest in the five strategic choices.

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 Demographics of Eucalyptus grandis and implications for invasion

Koedoe ◽  
2017 ◽  
Vol 59 (1) ◽  
Author(s):  
Kudakwashe Musengi ◽  
Sally Archibald
Keyword(s):  
Invasive Species ◽  
Eucalyptus Grandis ◽  
Reproductive Traits ◽  
Alien Invasive Species ◽  
Rate Of Spread ◽  
Invasion Stage ◽  
The Future ◽  
Plantation Species ◽  
Negative Impacts ◽  
Almost All

Alien invasive species can have negative impacts on the functioning of ecosystems. Plantation species such as pines have become serious invaders in many parts of the world, but eucalypts have not been nearly as successful invaders. This is surprising considering that in their native habitat they dominate almost all vegetation types. Available theory on the qualities that characterise invasive species was used to assess the invasive potential of Eucalyptus grandis – a common plantation species globally. To determine rates of establishment of E. grandis outside plantations, we compared population demographics and reproductive traits at two locations in Mpumalanga, South Africa: one at higher elevation with more frost. Eucalyptus grandis has a short generation time. We found no evidence that establishment of E. grandis was limiting its spread into native grassland vegetation, but it does appear that recruitment is limited by frost and fire over much of its range in Mpumalanga. Populations at both study locations displayed characteristics of good recruitment. Size class distributions showed definite bottlenecks to recruitment which were more severe when exposed to frost at higher elevations. Generally, the rate of spread is low suggesting that the populations are on the establishing populations’ invasion stage. This research gives no indication that there are any factors that would prevent eucalyptus from becoming invasive in the future, and the projected increase in winter temperatures should be a cause for concern as frost is currently probably slowing recruitment of E. grandis across much of its planted range.Conservation implications: Eucalyptus plantations occur within indigenous grasslands that are of high conservation value. Frost and fire can slow recruitment where they occur, but there are no obvious factors that would prevent E. grandis from becoming invasive in the future, and monitoring of its rates of spread is recommended.

Long-Term Rates of Interest in the Valuation of a Pension Fund

1976 ◽  
Vol 21 (03) ◽  
pp. 286-340 ◽  
Author(s):  
C. D. Daykin
Keyword(s):  
Pension Fund ◽  
Pension Funds ◽  
Insurance Companies ◽  
Common Misconception ◽  
The Future

1. It seems to be a common misconception outside the actuarial profession that those within that illustrious body are mysteriously able to peer into their crystal balls and come up with prophetic answers about the future progress of pension funds, insurance companies and other allied matters. The appearance of an actuarial report with its air of finality and disclosure of a definite surplus, deficiency, bonus declaration or whatever it may be, only endorses the impression that the actuary is reporting on the unique and unquestionable answer to the problem in hand.

scholarly journals Thriving in a changing world – opportunities and challenges for private health insurance companies

2018 ◽  
Vol 1 (2018/1) ◽  
Keyword(s):  
Health Insurance ◽  
Private Health Insurance ◽  
Health Impact ◽  
Insurance Market ◽  
Insurance Companies ◽  
Full Potential ◽  
Global Trends ◽  
Health Insurance Companies ◽  
Health Insurance Market

The health insurance market in Poland reflects global trends – such as the rising awareness of personal health impact on quality of life. As a consequence, the health insurance market has seen substantial growth during the last years, which is forecasted to continue at over 20 percent more than life or P&C insurance globally. However, private health insurance has not yet unlocked its full potential.

scholarly journals Day Surgery Development Aspects in Slovakia

2020 ◽  
Vol 31 (2) ◽  
pp. 477
Author(s):  
Beáta Gavurová ◽  
Adela Klepáková ◽  
Ladislava Ivančová
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Pilot Study ◽  
Healthcare System ◽  
Social Groups ◽  
Day Surgery ◽  
Insurance Companies ◽  
Social Sphere ◽  
The Social ◽  
Health Insurance Companies

The day surgery is a highly effective tool for providing health care which has been used in Slovakia only for the last decade. The unified system of payment for inpatient or outpatient (day care) surgeries causes the reduction of health insurance companies´ spending. Incorrectly configured and economically demotivating system of refunding is a cause of lagging behind the European average in utilization of day surgery. Without the evaluation of day surgery it is not possible to link the progress in the social sphere, which leads to the restriction of day surgery availability for some social groups and thus the subsequent stagnation of day surgery in Slovakia. This contribution presents a pilot study conducted in Slovakia and its partial findings focused on the development and trends in the implementation of day surgery in order to increase the efficiency healthcare system.

scholarly journals Development of medical insurance in the Russian Federation. At the crossroads. What's next?

2019 ◽  
Vol 14 (2) ◽  
Author(s):  
Igor M. Akulin ◽  
Lubov Yu. Zhiguleva
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
National Health ◽  
Insurance Companies ◽  
Health Insurance System ◽  
National Health Care ◽  
Health Insurance Companies ◽  
Compulsory Health Insurance ◽  
The Russian Federation ◽  
Additional Payment

The RF health care reform is gaining momentum. A thorough consideration should be given to the discussion on the need to exclude health insurance companies from the compulsory health insurance system (CHI). Formation of the National Health Care System of Russia is the main problem of the national health care at this stage of reforms. Additional payment for medical services in the CHI by the general public is not advisable. Changes in the regulatory framework of the CHI system is deemed to be the basis for reforming the system of compulsory and voluntary health insurance in Russia.   

scholarly journals Sectoral Volatility, Development, and Governance: A Case Study of Pakistan

2006 ◽  
Vol 45 (4II) ◽  
pp. 797-817
Author(s):  
Toseef Azid ◽  
Naeem Khaliq ◽  
Muhammad Jamil
Keyword(s):  
Growth Rate ◽  
Structural Change ◽  
Service Sector ◽  
Structural Changes ◽  
Agricultural Sector ◽  
Green Revolution ◽  
Rate Of Growth ◽  
Agriculture Industry ◽  
The Future

Development of overall economy of any country largely depends upon the characteristics of different prominent sectors such as agriculture, industry, services, etc. Sharp structural change in prominent sectors are experienced by the Pakistan’s economy during the last four decades, in which industrial and service sector have exhibited an extra ordinary rate of growth, while the agricultural sector did not shown that rate of growth which was experienced during the time of green revolution. Due to these structural changes in the prominent sectors volatility of growth rate has been experienced by the economy. To the extent that most of the recent volatility in growth rate of GDP can be attributed to the increasing share of the some volatility of the some prominent sectors, the analysis of their volatility can be useful in providing some enlightenment on the factors behind this phenomenon and its implications for the formulation of the policy in the future.

Sign in / Sign up

Export Citation Format

Share Document