Insurance

保险
  • 文章类型: Journal Article
    本研究的主要目的是提出一种称为模糊网络数据包络分析(FNDEA)的创新方法,以评估具有两阶段结构的网络决策单元(DMU)的性能,同时考虑到数据的不确定性。为了实现这一目标,我们利用各种方法,包括非合作博弈(领导者-追随者)NDEA方法,Z数的概念,可信性理论,和机会约束规划(CCP)来建立模糊NDEA方法的模型。FNDEA方法提供了几个优点,例如所提出的FNDEA模型的线性,在模糊的情况下对两级DMU进行排名的能力,在不确定环境中提供独特的效率分解方法,以及处理Z信息的能力。为了证明所提出方法的适用性和有效性,在评估伊朗私人保险公司的绩效时,我们采用了Z-number网络数据包络分析(ZNDEA)方法。该实施的结果表明,所提出的ZNDEA方法适用于在存在数据歧义的情况下对保险公司进行测量和排名是有效的。
    The main aim of this research is to present an innovative method known as fuzzy network data envelopment analysis (FNDEA) in order to assess the performance of network decision-making units (DMUs) that possess a two-stage structure while taking into account the uncertainty of data. To attain this goal, we utilize various methodologies including the non-cooperative game (leader-follower) NDEA method, the concept of Z-number, credibility theory, and chance-constrained programming (CCP) to develop a model for the fuzzy NDEA approach. The FNDEA approach offers several advantages, such as the linearity of the presented FNDEA models, the ability to rank two-stage DMUs in situations of ambiguity, the provision of a unique efficiency decomposition method in an uncertain environment, and the capability to handle Z-information. To demonstrate the applicability and effectiveness of the proposed approach, we implement the Z-number network data envelopment analysis (ZNDEA) approach in assessing the performance of Iranian private insurance companies. The results of this implementation reveal that the proposed ZNDEA method is suitable and effective for measuring and ranking insurance companies in situations where data ambiguity is present.
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  • 文章类型: Journal Article
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  • 文章类型: Journal Article
    为了朝着更公平的社会福利制度迈进,我们需要更好地理解卫生和教育等社会部门的监管。然而,迄今为止的研究倾向于关注政府和职业的角色,忽略了在基于市场的拨备和部分国家监管的背景下出现的更广泛的监管体系。在本文中,我们使用“decentred”和“监管资本主义”观点的分析方法研究了印度私人医疗保健的监管。我们将这些想法应用于马哈拉施特拉邦私人医疗保健及其监管的定性数据(新闻媒体评论,对43名受访者进行了半结构化访谈,和三个证人研讨会),为了描述在这种情况下参与制定规则和规范的国家和非国家行为者的范围,这些活动代表了他们的利益,以及出现什么问题。我们展示了一套折衷的监管系统。政府和法定理事会确实发挥有限和零星的监管作用,通常围绕立法组织,许可和检查,通常是由国家的司法部门推动的。但是一系列行业级的演员,私人组织和公共保险公司也参与其中,通过监管资本主义办公室促进他们在该部门的自身利益:认证公司,保险公司,平台运营商和消费者法庭。规则和规范是广泛但分散的。这些不仅仅是通过法律产生的,许可和专业行为准则,但也通过行业对标准的影响,实践和市场组织,并通过个性化的尝试来协商例外和补救。我们的研究结果表明,市场化社会部门的监管是局部的,脱节和分离到多个基因座,积极代表不同的利益。对在这种情况下发挥作用的不同行为者和进程的更多了解可以为今后在实现普遍社会福利制度方面取得进展提供信息。
    In order to progress towards more equitable social welfare systems we need an improved understanding of regulation in social sectors such as health and education. However, research to date has tended to focus on roles for governments and professions, overlooking the broader range of regulatory systems that emerge in contexts of market-based provisioning and partial state regulation. In this article we examine the regulation of private healthcare in India using an analytical approach informed by \'decentred\' and \'regulatory capitalism\' perspectives. We apply these ideas to qualitative data on private healthcare and its regulation in Maharashtra (review of press media, semi-structured interviews with 43 respondents, and three witness seminars), in order to describe the range of state and non-state actors involved in setting rules and norms in this context, whose interests are represented by these activities, and what problems arise. We show an eclectic set of regulatory systems in operation. Government and statutory councils do perform limited and sporadic regulatory roles, typically organised around legislation, licensing and inspections, and often prompted by the judicial arm of the state. But a range of industry-level actors, private organisations and public insurers are involved too, promoting their own interests in the sector via the offices of regulatory capitalism: accreditation companies, insurers, platform operators and consumer courts. Rules and norms are extensive but diffuse. These are produced not just through laws, licensing and professional codes of conduct, but also through industry influence over standards, practices and market organisation, and through individualised attempts to negotiate exceptions and redressal. Our findings demonstrate regulation in a marketised social sector to be partial, disjointed and decentred to multiple loci, actively representing differing interests. Greater understanding of the different actors and processes at play in such contexts can inform future progress towards universal systems for social welfare.
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  • 文章类型: English Abstract
    OBJECTIVE: The quality of socio-medical expert opinions, which are prepared for the German Pension Insurance (GPI) in the context of applications for reduced earning capacity pension due to mental disorder, has hardly been investigated so far. The aim of the present study was to investigate to what extent expert medical reports on post-traumatic stress disorder (PTSD) comply with the guideline of the GPI on socio-medical reports for mental and behavioral disorders.
    METHODS: To examine the quality of expert opinions, 52 socio-medical expert opinions in which a diagnosis of post-traumatic stress disorder (PTSD) was assigned and a performance capacity of less than three hours was determined were analyzed. The quality of the expert opinions was assessed both quantitatively by calculating quality points and qualitatively by analyzing the content. Percent agreement and Cohen\'s kappa were calculated for two raters to examine rater agreement based on a subsample (n=11).
    RESULTS: The analyzed appraisals scored an average of 36.1 (SD=7.4) out of a possible 92 quality points (range 22/56). In most of the expert opinions, the descriptions of participation limitations, epicrisis, and sociomedical conclusion were unsatisfactory.
    CONCLUSIONS: The inadequate presentation of the functional and participation limitations in the expert opinions may not do justice to the actual facts of the case, so that the evidence of a health disorder with the corresponding participation limitations cannot be provided beyond doubt. Accordingly, measures to improve the quality of expert opinions such as training and regular quality reviews are necessary.
    ZIEL: Die Qualität von sozialmedizinischen Gutachten, die im Rahmen von Anträgen auf Erwerbsminderungsrente wegen psychischer Störung für die Deutsche Rentenversicherung (DRV) angefertigt werden, ist bislang kaum untersucht worden. In der vorliegenden Studie sollte untersucht werden, inwieweit fachärztliche Gutachten zur Posttraumatischen Belastungsstörung (PTBS) der Leitlinie der DRV zu sozialmedizinischen Gutachten bei psychischen und Verhaltensstörungen entsprechen.
    METHODS: Zur Überprüfung der Gutachtenqualität wurden 52 sozialmedizinische Gutachten, in denen die Diagnose einer Posttraumatischen Belastungsstörung (PTBS) vergeben und ein Leistungsvermögen von unter drei Stunden festgestellt wurde, analysiert. Die Gutachtenqualität wurde sowohl quantitativ mit der Berechnung von Qualitätspunkten, als auch qualitativ durch inhaltliche Analysen erfasst. Zur Überprüfung der Beurteiler_innenübereinstimmung wurde die prozentuale Übereinstimmung und Cohens Kappa für zwei Rater_innen anhand einer Teilstichprobe (n=11) berechnet.
    UNASSIGNED: Die analysierten Gutachten erreichten durchschnittlich 36,1 (SD=7,4) von 92 möglichen Qualitätspunkten (Range 22/56). In den meisten Gutachten waren die Beschreibungen der Teilhabeeinschränkungen, der Epikrise und der sozialmedizinischen Schlussbildung unbefriedigend.
    UNASSIGNED:  Die unzureichende Darstellung der Funktions- und Teilhabeeinschränkungen in den Gutachten wird möglicherweise dem tatsächlichen Sachverhalt nicht gerecht, so dass der Beweis einer Gesundheitsstörung mit den entsprechenden Leistungseinschränkungen nicht zweifelsfrei erbracht werden kann. Dementsprechend sind Maßnahmen zur Verbesserung der Gutachtenqualität wie Schulungen und regelmäßige Qualitätsüberprüfungen notwendig.
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  • 文章类型: Journal Article
    基于福利经济学的理论,本文分析了农业保险(AI)对农业经济增长(AEG)的影响机制,理论上,并利用随机效应模型和十三年的面板数据进行了实证分析,其中包括浙江省11个城市的年度数据,中国,从2007年到2019年。农业总产值,林业,畜牧业,选取浙江省11个市的渔业(GOVA)作为被解释变量,农业保险保费收入(AIPI)作为解释变量。我们选择了除涝区(AWR),农村用电量(REC),农业机械总功率(TPAM),和作物播种面积(CSA)作为控制变量。研讨注解:(1)AIPI对GOVA的成长有显著的正向影响。当其他条件不变时,AIPI增加1%,GOVA增加0.166%,相应地;(2)REC的控制变量,TPAM,和CSA对GOVA的生长具有统计学意义。REC的弹性系数为0.325,TPAM的弹性系数为0.287,CSA的弹性系数为-0.281。
    Based on the theories of welfare economics, this paper analyzed the mechanism of agricultural insurance (AI) affecting agricultural economic growth (AEG), theoretically, and carried out an empirical analysis by using the random effects model and thirteen years of panel data, which included the annual data of 11 cities in Zhejiang Province, China, from 2007 to 2019. The gross output value of agriculture, forestry, animal husbandry, and fishery (GOVA) of 11 cities in Zhejiang Province is selected as the explained variable, agricultural insurance premium income (AIPI) as an explanatory variable. We selected area of waterlogging removal (AWR), rural electricity consumption (REC), total power of agricultural machinery (TPAM), and crop-sown area (CSA) as control variables. The study shows that: (1) the AIPI has a significant positive impact on the growth of GOVA. When other conditions remain unchanged, a 1% increase in AIPI increases the GOVA by 0.166%, accordingly; (2) The control variables of REC, TPAM, and CSA are statistically significant for the growth of the GOVA. The elasticity coefficient of REC is 0.325, the elastic coefficient of the TPAM is 0.287, and the elasticity coefficient of CSA is -0.281.
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  • 文章类型: Letter
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  • 文章类型: Journal Article
    欧盟(EU)在制定人工智能(AI)的道德使用准则方面享有良好的声誉和记录。在本文中,我们讨论了欧洲保险和职业养老金管理局(EIOPA)开发的人工智能和道德框架,欧洲保险市场。EIOPA关于大数据分析的早期报告(EIOPA,2019)为分析与人工智能在保险中部署相关的复杂问题提供了基础,比如行为保险,参数化产品,新颖的定价和风险评估算法,电子服务,和索赔管理。本文概述了AI在整个保险价值链中的保险应用。关于道德的一般性讨论,AI,并提供保险,并提出了一个新的分层模型,该模型将保险描述为一个复杂的系统,可以通过分层来分析,将道德问题直接映射到特定级别的多层次方法。
    The European Union (EU) has a strong reputation and track record for the development of guidelines for the ethical use of artificial intelligence (AI) generally. In this paper, we discuss the development of an AI and ethical framework by the European Insurance and Occupational Pensions Authority (EIOPA), for the European insurance market. EIOPA\'s earlier report on big data analytics (EIOPA, 2019) provided a foundation to analyze the complex range of issues associated with AI being deployed in insurance, such as behavioral insurance, parametric products, novel pricing and risk assessment algorithms, e-service, and claims management. The paper presents an overview of AI in insurance applications throughout the insurance value chain. A general discussion of ethics, AI, and insurance is provided, and a new hierarchical model is presented that describes insurance as a complex system that can be analyzed by taking a layered, multi-level approach that maps ethical issues directly to specific level(s).
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  • 文章类型: Case Reports
    Civil liability represents one of the main responsibilities for healthcare facilities; it is the legal responsibility of paying money for damage to a person\'s health. Even though this responsibility plays a key role in the economic sustainability of healthcare facilities, the literature does not enough investigate this responsibility in regional health services. The paper aims to define the evolution of compensation models for health civil liability adopted by regional health services. Through a longitudinal case study, the paper investigates the compensation model by a leading regional health service. The finding highlights the evolution of the compensation model for health civil liability adopted by a leading Regional Health Service from 1990 to 2021. It describes a transition from an insurance model to a mixed model based on self-coverage up to a set economic level, an insurance policy with self-insurance retention and deductible for all claims. The research contributes to the literature and practice throughout the definition of a compensation model for damages based on self-insurance of regional health service and insurance policies. The research promotes a compensation model used by a leading regional health service.
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  • 文章类型: Journal Article
    OBJECTIVE: As of 2019, suicide is serious problem in Korea, with the highest suicide rate among OECD countries. To reduce suicide rates Emergency Department Based Post-Suicide Attempt Case Management carried out with government funding in South Korea, but it is insufficient to address the issue. Aim of this study is to prevent suicide attempts through continuous provision of mental health services even after discharge from acute care.
    METHODS: We selected 15 mental health specialists who are multidisciplinary experts in Suicide Prevention. Two-round Delphi survey was conducted on them to reach an agreement for hospital-based case management.
    RESULTS: The first Delphi survey consisted of 8 areas and 39 questions. Among them, 30 questions draw agreement above the reference value. The second Delphi survey, consisted of 37 questions, resulted in 32 above-standard questions.
    CONCLUSIONS: Consensus was reached in most category of the Hospital Based Case Management for Suicide High-Risk Group. Core of the developed plan was to provide services to patients who visited the hospital, pursue the stability and universalization of services through a medical insurance fee system. In the future, hospital-based case management service will be implemented as a new model contributing to the reduction of suicide rates in Korea.
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  • 文章类型: Journal Article
    本文介绍了海外菲律宾工人(OFW)对PhilHealth(菲律宾健康保险公司)的了解和成员资格。它分析了PhilHealth知识和成员资格的社会人口统计学预测因素。结果显示,参与研究的受访者中有76%是PhilHealth成员。一般来说,受访者对保险的知识水平适中。回归分析结果表明,性别/性别(BETA=-.319)和收入(BETA=.352)可以预测PhilHealth的成员资格。同时,收入(BETA=.295)和婚姻状况(BETA=-.164)预测对PhilHealth的知识水平。结果表明,收入超过PhP40,000(约合785美元)的人是了解PhilHealth的人。此外,与没有结婚或没有伴侣的人相比,有伴侣的OFW对保险更了解。结果提供了有关OFW中PhilHealth成员资格的一些见解。首先,收入较高的OFW倾向于成为PhilHealth的成员。第二,女性成为会员的可能性较小,因为他们中的许多人在服务业工作,收入通常低于男性。这一结果表明,应鼓励女性OFW成为PhilHealth成员,特别是如果他们的留守伴侣或丈夫不是成员。这是为了确保留守家庭成员能够获得医疗服务。
    This paper describes the level of knowledge on and membership in PhilHealth (Philippine Health Insurance Corporation) among Overseas Filipino Workers (OFWs). It analytically examines the sociodemographic predictors of knowledge on and membership in PhilHealth. Results reveal that 76% of the respondents involved in the study are PhilHealth members. Generally, respondents\' level of knowledge about the insurance is moderate. Results of regression analysis reveal that sex/gender (BETA = -.319) and income (BETA = .352) predict membership in PhilHealth. Meanwhile, income (BETA = .295) and marital status (BETA = -.164) predict the level of knowledge on PhilHealth. The results indicate that those with income above PhP40,000 (approximately USD785) are the ones knowledgeable about PhilHealth. Moreover, OFWs with partners are more knowledgeable about the insurance compared to those who are not married or without partners. The results offer several insights regarding PhilHealth membership among OFWs. First, OFWs with higher income tend to become members of PhilHealth. Second, women are less likely to become members, as many of them are working in the service sectors and are generally earning lower income than their male counterparts. This result indicates that women OFWs should be encouraged to become PhilHealth members, especially if their left-behind partners or husbands are not members. This is to ensure that left-behind family members will be able to access health services.
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