Innovations In Insuring The Poor

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Innovations In Insuring The Poor

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Author : Ruth Vargas Hill
language : en
Publisher: Intl Food Policy Res Inst
Release Date : 2010-01-22

Innovations In Insuring The Poor written by Ruth Vargas Hill and has been published by Intl Food Policy Res Inst this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-01-22 with Social Science categories.

Risk and poverty are inextricably linked. Susceptibility to risk is a defining feature of what it means to be poor. Poor people often live in environments characterized by high weather and disease risk, and it is poor households that have the fewest tools to deal with drought, floods, and disease when they occur. Breaking the link between risk and poverty by insuring poor people both lessens the affliction of poverty and allows poor people to participate in income growth. This set of briefs considers how to increase the tools available to poor households to manage agricultural and health risks. The focus is how to develop insurance markets, along with other financial instruments such as credit, savings, and social protection policies. The series does not document the proven impact of insurance markets for the welfare of poor people; rather, it brings together briefs written by businesspeople, policymakers, and researchers that document innovations, lessons learned, and areas of future work and action.

Building Security For The Poor

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Author : United Nations Development Programme. Regional Centre in Colombo. Human Development Unit
language : en
Publisher: UN
Release Date : 2007

Building Security For The Poor written by United Nations Development Programme. Regional Centre in Colombo. Human Development Unit and has been published by UN this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.

Reducing poverty requires not just the generation of income among the poor, but also the protection of these incomes. Microinsurance offers innovative new ways to combat poverty in India through helping the rural poor systematically manage financial risks to their livelihoods and lives. The microinsurance industry is poised to take off, just as microcredit did a decade ago: 90 percent of the Indian population some 950 million people are not covered by insurance and represent an untapped market of nearly US$2 billion. This enormous missing market is ready for customized life and non-life insurance, but first, serious mismatches between the needs of the insured and the insurers must be overcome, pitting priorities against profits. This study strategically points to the numerous emerging opportunities for energising the rural insurance market, building on robust economic growth, increasing numbers of rural entrepreneurs and recent insurance regulations. Conclusions are based on new evidence from three states in India each with a population the size of some countries which also has policy relevance across the Asia-Pacific region and beyond. The study presents recommendations to realise the potential of this latent market.

Recent Health Policy Innovations In Social Security

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Author : Aviva Ron
language : en
Publisher: Routledge
Release Date : 2001

Recent Health Policy Innovations In Social Security written by Aviva Ron and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Health & Fitness categories.

The debate about health care reform has gone on for many years. The debate has generated often innovative ideas for reform that transcend national boundaries. For example, proposals have been made for an extension of health insurance with a framework of social protection; progressive development of funding methods; controls on expenditure; bringing benefits into line with what is actually needed; and the application of technological advances. The book concentrates on health insurance policy innovations in selected countries in Africa, the Americas, Asia, and Europe. In addition this book addresses recent institutional economic findings with regard to application of information technology in health insurance systems. Topics discussed include: new approaches in extending coverage in a health insurance system, confronting resource scarcity: innovative strategies, refining benefits to meet current needs, new institutional and administrative frameworks, and transformation through information technology systems. Many of the innovations presented here have already been integrated into existing reforms and the authors refer to concrete developments in individual countries and regions. This book presents those important innovations to social health insurance systems in industrialized and developing countries that have been brought forward in recent years and, as far as possible, already evaluated. In doing so, the intention is to show developments that are valid for more than one country and could have long term impact on health insurance systems. This book is intended to promote deeper exchanges of experience between differing regions, countries, and health insurance systems. In this way it will stimulate ideas for politicians and practitioners, scientists and other experts. rmation technology systems. Many of the innovations presented here have already been integrated into existing reforms and the authors refer to concrete developments in individual countries and regions. This book presents those important innovations to social health insurance systems in industrialized and developing countries that have been brought forward in recent years and, as far as possible, already evaluated. In doing so, the intention is to show developments that are valid for more than one country and could have long term impact on health insurance systems. This book is intended to promote deeper exchanges of experience between differing regions, countries, and health insurance systems. In this way it will stimulate ideas for politicians and practitioners, scientists and other experts.

Protecting The Poor A Microinsurance Compendium

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Author : Craig Churchill
language : en
Publisher: Academic Foundation
Release Date : 2008

Protecting The Poor A Microinsurance Compendium written by Craig Churchill and has been published by Academic Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with categories.

Care Without Coverage

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Author : Institute of Medicine
language : en
Publisher: National Academies Press
Release Date : 2002-06-20

Care Without Coverage written by Institute of Medicine and has been published by National Academies Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002-06-20 with Medical categories.

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

Pandemics Insurance And Social Protection

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Author : María del Carmen Boado-Penas
language : en
Publisher: Springer Nature
Release Date : 2022

Pandemics Insurance And Social Protection written by María del Carmen Boado-Penas and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with Applied mathematics categories.

This open access book collects expert contributions on actuarial modelling and related topics, from machine learning to legal aspects, and reflects on possible insurance designs during an epidemic/pandemic. Starting by considering the impulse given by COVID-19 to the insurance industry and to actuarial research, the text covers compartment models, mortality changes during a pandemic, risk-sharing in the presence of low probability events, group testing, compositional data analysis for detecting data inconsistencies, behaviouristic aspects in fighting a pandemic, and insurers' legal problems, amongst others. Concluding with an essay by a practicing actuary on the applicability of the methods proposed, this interdisciplinary book is aimed at actuaries as well as readers with a background in mathematics, economics, statistics, finance, epidemiology, or sociology.

Impact Of Health Insurance In Low And Middle Income Countries

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Author : Maria-Luisa Escobar
language : en
Publisher: Brookings Institution Press
Release Date : 2010

Impact Of Health Insurance In Low And Middle Income Countries written by Maria-Luisa Escobar and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Social Science categories.

Over the past twenty years, many low- and middle-income countries have experimented with health insurance options. While their plans have varied widely in scale and ambition, their goals are the same: to make health services more affordable through the use of public subsidies while also moving care providers partially or fully into competitive markets. Until now, however, we have known little about the actual effects of these dramatic policy changes. Understanding the impact of health insurance-based care is key to the public policy debate of whether to extend insurance to low-income populationsand if so, how to do itor to serve them through other means.

Government Sponsored Health Insurance In India

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Author : Gerard La Forgia
language : en
Publisher: World Bank Publications
Release Date : 2012-09-14

Government Sponsored Health Insurance In India written by Gerard La Forgia and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-09-14 with Business & Economics categories.

This book presents the first comprehensive review of all major government-supported health insurance schemes in India and their potential for contributing to the achievement of universal coverage in India are discussed.

Health Care Utilization As A Proxy In Disability Determination

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Author : National Academies of Sciences, Engineering, and Medicine
language : en
Publisher: National Academies Press
Release Date : 2018-04-02

Health Care Utilization As A Proxy In Disability Determination written by National Academies of Sciences, Engineering, and Medicine and has been published by National Academies Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-04-02 with Medical categories.

The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.

Moral Hazard In Health Insurance

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Author : Amy Finkelstein
language : en
Publisher: Columbia University Press
Release Date : 2014-12-02

Moral Hazard In Health Insurance written by Amy Finkelstein and has been published by Columbia University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-12-02 with Medical categories.

Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice