scholarly journals Level of Factors impact on the Buyers’ Intention in Buying Private Health Insurance with the Case of Vietnam Non-Life Insurance Companies

2020 ◽  
Keyword(s):  
Health Insurance ◽  
Life Insurance ◽  
Private Health Insurance ◽  
Insurance Companies

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.

Combining Life and Health Insurance*

2019 ◽  
Vol 135 (2) ◽  
pp. 913-958 ◽  
Author(s):  
Ralph S J Koijen ◽  
Stijn Van Nieuwerburgh
Keyword(s):  
Health Insurance ◽  
Life Insurance ◽  
Survival Rates ◽  
Insurance Companies ◽  
Insurance Markets ◽  
Free Access ◽  
Access To Treatment ◽  
Term Care ◽  
Long Run ◽  
Premium Income

Abstract We estimate the benefit of life-extending medical treatments to life insurance companies. Our main insight is that life insurance companies have a direct benefit from such treatments because they lower the insurer’s liabilities by pushing the death benefit further into the future and raising future premium income. We apply this insight to immunotherapy, treatments associated with durable gains in survival rates for a growing number of cancer patients. We estimate that the life insurance sector’s aggregate benefit from FDA-approved immunotherapies is $9.8 billion a year. Such life-extending treatments are often prohibitively expensive for patients and governments alike. Exploiting this value creation, we explore various ways life insurers could improve stress-free access to treatment. We discuss potential barriers to integration and the long-run implications for the industrial organization of life and health insurance markets, as well as the broader implications for medical innovation and long-term care insurance markets.

scholarly journals Direct Selling dalam Usaha Perasuransian Perspektif Hukum Islam

2020 ◽  
Vol 5 (1) ◽  
pp. 87-103
Author(s):  
Seri Utami Ningsih, SH.
Keyword(s):  
Health Insurance ◽  
Life Insurance ◽  
Financial Services ◽  
Marketing Channels ◽  
Insurance Companies ◽  
Legal Certainty ◽  
Direct Selling ◽  
Insurance Agents ◽  
Direct Sales ◽  
Marketing Methods

Insurance companies such as PT. Life Insurance Central Asia Raya, PT. Prudential Life Insurance, PT. Generali Indonesia Life Insurance, PT. Tugu Mandiri Life Insurance, PT. MNC Life Insurance, PT. Asuransi Jiwasraya (Persero), and PT. Sequis Life Life Insurance has marketed one of its insurance products with a direct sales system or better known as direct selling. Direct selling does not include the marketing channels stipulated in the Financial Services Authority Regulation (POJK) No. 23 of 2015 concerning Insurance Products and Marketing of Insurance Products. Based on the POJK, direct selling practiced by insurance companies is illegal. Direct selling is developed by insurance agents by recruiting insurance agents in a row. Otoritas Jasa Keuangan (OJK) confirms direct selling as the development of insurance marketing methods. Supervision is unmindful of the principle of legal certainty, professionalism, and openness. In sadd az}-z}ariah, negligent supervision of the OJK is an act that endangers health insurance. OJK must review the direct selling marketing developed by insurance agents further

scholarly journals Pharmaceutical policies used by private health insurance companies in Saudi Arabia

2013 ◽  
Vol 21 (3) ◽  
pp. 267-276 ◽  
Author(s):  
Saleh A. Bawazir ◽  
Mohammed A. Alkudsi ◽  
Abdullah S. Al Humaidan ◽  
Maher A. Al Jaser ◽  
Larry D. Sasich
Keyword(s):  
Saudi Arabia ◽  
Health Insurance ◽  
Private Health Insurance ◽  
Insurance Companies ◽  
Pharmaceutical Policies ◽  
Health Insurance Companies

Consumer Awareness At HDFC Standard Life Insurance

Think India ◽  
2019 ◽  
Vol 22 (2) ◽  
pp. 77-82
Author(s):  
Malyala Prashanth ◽  
Mr. Venkat Reddy ◽  
Mr. G Subbareddy ◽  
DR. Venkata Rangaiah
Keyword(s):  
Health Insurance ◽  
Life Insurance ◽  
Total Population ◽  
Present Form ◽  
Insurance Companies ◽  
Consumer Awareness ◽  
Concept Of Health ◽  
Recent Origin ◽  
Standard Life

Life insurance is the insurance which is taken on the risks of the person. Though life insurance is in practice for many years in different forms in our country the concept of health insurance in its present form is of very recent origin. The fact that the sector is under penetrated can be known by the fact that less than 20% of the total population is insured for life risks. So there is a huge potentiality which is waiting to being tapped by the insurance companies.

An Empirical Study on Moral Hazard of Life Insurance : Evidence from Postal Insurance Market

2017 ◽  
Vol 25 (1) ◽  
pp. 75-95
Author(s):  
Iljoo Lee ◽  
Changjun Lee
Keyword(s):  
Health Insurance ◽  
Empirical Study ◽  
Moral Hazard ◽  
Life Insurance ◽  
Private Health Insurance ◽  
Empirical Finding ◽  
Medical Utilization ◽  
Insurance Market ◽  
Stage Model ◽  
Insurance Contracts

Due to the difficulty in obtaining data on life insurance contracts, previous studies on moral hazard of life insurance are confined to conceptual discussion or surveys of Korean health panel. To fill this gap, using comprehensive data from Postal insurance market, we perform an empirical study on moral hazard of life insurance from the period of 2008 to 2013. Our empirical findings are summarized as follows. First, employing the Heckman (1979)'s two stage model, we find that having indemnity private health insurance increases the number and period of medical utilization. In addition, number of private health insurance has a positive and highly significant effect on the number of period of medical utilization. Our empirical finding indicates that in a life insurance market with asymmetric information, there exists a moral hazard in order to maximize economic utility.

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