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- Deductible or Co-Insurance: Which Is the Better Insurance Contract Under Adverse Selection?
- This paper contributes to the discussion on optimal insurance. It analyzes two basic forms of insurance contracts: A contract with a deductible and a contract imposing a positive co-insurance rate. Since high risks can always self-reveal themselves as high risks and buy the optimal insurance contract at high risks' premiums...
- White papers 2004-10-01
Additional Resources
- ING wins US$70mn insurance contract with Pemex.
- MEXICO CITY, Jul 2, 2003 (America Economia/Corporate Mexico by Internet Securities, Inc. via COMTEX) -- ING Comercial America has won an insurance contract for US$170 million with Petroleos Mexicanos Pemex, which covers ships, freight transport, ph MEXICO CITY, Jul 2, 2003 (America Economia/Corporate Mexico by ...
- Research articles 2003-07-07
- Atlas Air signs crew, maintenance and insurance contract with China Southern Airlines - Brief Article
- AIRLINE INDUSTRY INFORMATION-C1997-2000 M2 COMMUNICATIONS LTD Atlas Air Inc has signed an aircraft, crew, maintenance and insurance contract with China Southern Airlines for the full utilisation of an Atlas B747 freighter by the Chinese carrier. No contract value was disclosed. ((Comments on this story may be...
- Research articles 2000-01-11
- Atlas Air signs crew, maintenance and insurance contract with China Southern Airlines - Brief Article
- AIRLINE INDUSTRY INFORMATION-C1997-2000 M2 COMMUNICATIONS LTD Atlas Air Inc has signed an aircraft, crew, maintenance and insurance contract with China Southern Airlines for the full utilisation of an Atlas B747 freighter by the Chinese carrier. No contract value was disclosed. ((Comments on this story may be...
- Research articles 2000-01-12
- N.Y. Life adds option to Survivorship WL product.(New York Life Insurance Co., whole life insurance)(Product Announcement)
- New York Life Insurance Co has overhauled its Survivorship Whole Life SWL insurance contract, splitting SWL into two contracts: a revised modified premium contract, and a level-premium participating contract. The modified premium contract offers guarantNew York Life Insurance Co has overhauled its Survivorship Whole Life SWL insurance contract, splitting SWL...
- Research articles 1996-02-12
- Loss Reduction and Implicit Deductibles in Medical Insurance
- This note presents a modest extension of the very useful "theorem of the deductible. The extension concerns ex post moral hazard in medical insurance. Under full insurance above a deductible, the marginal cost of treatment to the insured is zero, resulting in over-consumption. Co-insurance is the standard approach to mitigate...
- White papers 2001-12-01
- Unisys Prepares to Handle Florida Contract after Beating Blue Cross.(Originated from The Florida Times-Union, Jacksonville)
- July 8--Jacksonville-based Blue Cross & Blue Shield of Florida Inc. was underbid on a major state insurance contract by a company few relate to the health insurance industry. July 8--Jacksonville-based Blue Cross & Blue Shield of Florida Inc. was underbid on a major state insurance contract...
- Research articles 1995-07-07
- Kansas Judge Rules Health System's Insurance Company Can Proceed with Contract.
- By Novelda Sommers, The Wichita Eagle, Kan. Knight Ridder/Tribune Business News Dec. 8--Via Christi Health System's insurance company did not engage in predatory pricing to win an insurance contract with one of the area's large employers, a judge ruled Friday. After...
- Research articles 2001-12-08
- All-in-one insurance. (includes related articles on Coca Cola's integrated risk program and on managing integrated risk)
- Integrated risk programs enable businesses to consolidate their risks into one, multiyear insurance contract. This approach avoids the problems associated with traditional corporate insurance programs. Under the old programs, companies have to buy differeIntegrated risk programs enable businesses to consolidate their risks into one, multiyear insurance contract. This approach avoids...
- Research articles 1997-05-01
- Florida to End State Employee Health Insurance Contract with Unisys.(Originated from The Florida Times-Union, Jacksonville)
- TALLAHASSEE, Fla.- May 30--The state will terminate its contract with Unisys to handle health insurance claims for nearly 215,000 state workers, retirees and their families, Gov. Lawton Chiles said yesterday. TALLAHASSEE, Fla.- May 30--The state will terminate its contract with Unisys...
- Research articles 1997-05-30
- Understanding the Novelties of Insurance with Financial Transactions
- Insurance products are increasingly being used to transfer the risk of financial transactions like loans, bonds and derivatives. But while the use of insurance may be attractive not least because of pricing, there are a number of issues that financial institutions need to address to prevent an insurer from denying...
- White papers 2003-01-01
- State Legislation Affecting General Insurance Law
- The Insurance Contracts Act 1984 C Insurance Contract Act varied many general insurance principles that were regarded as unfair to insured. Since the Insurance Contracts Act came into force there has been a tendency to overlook earlier legislation enacted in NSW and Victoria which also varied some general principles of...
- White papers 2002-06-05
- Judge Rules Prudential Insurance Workers Did Not Cheat on Churning Deal.(Knight Ridder/Tribune Business News)
- Apr. 20--A federal judge in Newark has rejected allegations by former Prudential Insurance contract workers in Minnesota who said they were directed to shortchange customers seeking redress for earlier cheating by the insurer. Apr. 20--A federal judge in Newark has rejected allegations by ...
- Research articles 2000-04-19
- Accounting For Insurance Contracts In The Absence Of An IFRS
- The objective of this paper is to raise key issues associated with implementing International Financial Reporting Standards IFRS for insurance in 2005. This report examines primarily the issues regarding : the application of the requirements of IFRS to insurance contracts in the absence of an Insurance IFRS, the definition of...
- White papers 2002-09-05
- A Median Voter Model of Health Insurance With Ex Post Moral Hazard
- One of the main features of health insurance is moral hazard since they do not pay the full marginal cost for provision. To mitigate the moral hazard problem, a coinsurance can be included in the insurance contract. The paper analyzes under what conditions there is a conflict between individuals on...
- White papers 2001-01-01
- Valuation of the Minimum Guaranteed Return Embedded in Life Insurance Products
- Consider a traditional life insurance contract paid with a single premium. In addition to mortality factors, the relationship between the fixed amount of benefit and the single premium depends on the interest rate calculation rate. The calculation rate can be interpreted, as the average rate the insurance company must earn...
- White papers 2002-01-02
- Resolving Ambiguities In Insurance Policy Language: The Contra Proferentem Doctrine And The Use Of Extrinsic Evidence
- A court's first step in interpreting allegedly ambiguous insurance contract language is to determine whether there is in fact an ambiguity. This initial step involves considering so-called allegedly ambiguous terms not in the abstract, but rather in the context of the written policy itself. Thus, courts will employ standard contractual...
- White papers 2003-05-19
- The Actuarial Value of Life Insurance Backdating
- This study's results suggest that regulatory concerns over potential problems related to backdating are valid because backdating will not be beneficial to all who backdate?i.e., those insured that lapse or die soon after paying a renewal premium generally will be worse o. from backdating. Life insurance backdating occurs when the...
- White papers 2004-02-23
- Getting Better, Feeling Worse: Cure Rates, Health Insurance, and Welfare
- This paper models a health insurance market where rising cure rates for a disease may paradoxically diminish welfare and even negate the desirability of health insurance altogether. In the model, rising cure rates can affect welfare in two ways: directly, by improving some individuals' health, and indirectly, by influencing the...
- White papers 2000-08-01
- Michigan court to review amended Confed rehab plan.(Confederation Life Insurance Co.)
- Confederation Life Insurance Co.'s financial reorganization plan has been amended to answer objections that were aired in the Michigan Circuit Court. Michigan Insurance Commissioner D. Joseph Olson announced that all objections to the plan, including critical objections raised by the Assn of Confederation Life Insurance Contract-holders over guaranteed investment contracts,...
- Research articles 1996-10-21
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