Insurance In Europe
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Voluntary Health Insurance In Europe Role And Regulation
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Author : Sagan A.
language : en
Publisher: World Health Organization
Release Date : 2016-07-20
Voluntary Health Insurance In Europe Role And Regulation written by Sagan A. and has been published by World Health Organization this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-07-20 with Business & Economics categories.
If public resources were unlimited there would be no gaps in health coverage and no real need for VHI. However most health systems face fiscal constraints and VHI is often seen as a way to address these pressures. This study draws from the experiences of 34 countries to assess VHI s contribution to health spending and to understand its role in Europe and in relation to publicly financed coverage. It looks at who sells VHI who purchases it and why. It also reviews public policy towards VHI at national and EU levels and the related national policy debates. The analysis shows that while the different markets for VHI vary considerably in size operation and regulation the vast majority are small. Where there are substantial markets these tend to be the oldest ones having a tradition of non-profit insurers and to be the most heavily regulated to ensure VHI policies are accessible and affordable. The study also suggests that VHI is normally a better way of meeting population health needs than out-of-pocket payments although there are notable exceptions. VHI can contribute to financial protection especially where it plays a substitutive and complementary role covering co-payments. However it is a complex challenging and highly context-specific policy instrument that may undermine other health system goals including equitable access efficiency transparency and accountability even where markets are well regulated. Policy-makers should therefore exercise real caution before expanding VHI to fill coverage gaps. This volume and its companion set of country profiles were developed jointly by the Observatory s LSE hub and the WHO Regional Office for Europe. The study draws on contributions from national experts from the EU EFTA and other countries in Europe.
Life Insurance In Europe
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Author : Marta Borda
language : en
Publisher: Springer Nature
Release Date : 2020-10-21
Life Insurance In Europe written by Marta Borda and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-10-21 with Business & Economics categories.
This book examines the challenges for the life insurance sector in Europe arising from new technologies, socio-cultural and demographic trends, and the financial crisis. It presents theoretical and applied research in all areas related to life insurance products and markets, and explores future determinants of the insurance industry’s development by highlighting novel solutions in insurance supervision and trends in consumer protection. Drawing on their academic and practical expertise, the contributors identify problems relating to risk analysis and evaluation, demographic challenges, consumer protection, product distribution, mortality risk modeling, applications of life insurance in contemporary pension systems, financial stability and solvency of life insurers. They also examine the impact of population aging on life insurance markets and the role of digitalization. Lastly, based on an analysis of early experiences with the implementation of the Solvency II system, the book provides policy recommendations for the development of life insurance in Europe.
Voluntary Health Insurance In Europe Country Experience
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Author : Sagan A.
language : en
Publisher: World Health Organization
Release Date : 2016-07-20
Voluntary Health Insurance In Europe Country Experience written by Sagan A. and has been published by World Health Organization this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-07-20 with Business & Economics categories.
No two markets for voluntary health insurance (VHI) are identical. All differ in some way because they are heavily shaped by the nature and performance of publicly financed health systems and by the contexts in which they have evolved. This volume contains short structured profiles of markets for VHI in 34 countries in Europe. These are drawn from European Union member states plus Armenia Iceland Georgia Norway the Russian Federation Switzerland and Ukraine. The book is aimed at policy-makers and researchers interested in knowing more about how VHI works in practice in a wide range of contexts. Each profile written by one or more local experts identifies gaps in publicly-financed health coverage describes the role VHI plays outlines the way in which the market for VHI operates summarises public policy towards VHI including major developments over time and highlights national debates and challenges. The book is part of a study on VHI in Europe prepared jointly by the European Observatory on Health Systems and Policies and the WHO Regional Office for Europe. A companion volume provides an analytical overview of VHI markets across the 34 countries.
Social Insurance In Europe
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Author : Jochen Clasen
language : en
Publisher: Policy Press
Release Date : 1997
Social Insurance In Europe written by Jochen Clasen and has been published by Policy Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with Business & Economics categories.
This comprehensive study into one of the central aspects of most welfare states provides a systematic and comparative analysis of social insurance regimes in 10 European countries with very different traditions of welfare.
Voluntary Health Insurance In Europe Role And Regulation
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Author :
language : en
Publisher:
Release Date : 2016
Voluntary Health Insurance In Europe Role And Regulation written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Private Health Insurance And The European Union
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Author : Cyril Benoît
language : en
Publisher: Springer Nature
Release Date : 2020-12-03
Private Health Insurance And The European Union written by Cyril Benoît and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-12-03 with Political Science categories.
Research has paid little attention to date on how European Union law and regulation affect both the public-private mix in healthcare and the organization of private health insurance as an industry. Filling this gap, this collective book provides insights on the political economy of EU insurance regulation, its impact on private health insurers and on its interactions with domestic healthcare policy-making in four countries. Assembling original contributions drafted by a multidisciplinary team, Private Health Insurance and the European Union offers a thorough examination of a largely unrecognized source of EU influence in healthcare – and sheds a new light on the role played by private actors in social policy. Chapter 1 is available open access under a Creative Commons Attribution 4.0 International License via link.springer.com.
Insurance Regulation In The European Union
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Author : Pierpaolo Marano
language : en
Publisher: Springer
Release Date : 2017-10-13
Insurance Regulation In The European Union written by Pierpaolo Marano and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10-13 with Business & Economics categories.
This book explores the profound transformation that has taken place in European insurance legislation since January 2016. Expert contributions discuss the changes that have taken place in the supervision of insurance and reinsurance undertakings through an economic risk-based approach. They outline the European insurance market before going on to show how Solvency II and Insurance Distribution Directive (IDD) are expected to generate significant benefits and have a positive impact on all parties involved in the insurance industry, the supervisory authorities and the insured. They also show how Solvency II is likely to benefit the economy as a whole, promoting more efficient allocation of capital and risk in a financial stability framework. This volume will be of interest to academics and researchers in the field of insurance regulation.
Health Insurance In Europe
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Author : Allon Peebles
language : en
Publisher:
Release Date : 1939
Health Insurance In Europe written by Allon Peebles and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1939 with categories.
Voluntary Health Insurance In The European Union
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Author : Elias Mossialos
language : en
Publisher:
Release Date : 2004
Voluntary Health Insurance In The European Union written by Elias Mossialos and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with EU categories.
Bancassurance In Europe
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Author : Tobias C. Hoschka
language : en
Publisher: Springer
Release Date : 2016-07-27
Bancassurance In Europe written by Tobias C. Hoschka and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-07-27 with Business & Economics categories.
This innovative book provides the first detailed analysis of the increasing convergence of banking and insurance in the retail area, a trend commonly referred to as bancassurance. In the first part of the book industry- and firm-level characteristics are analysed which contribute to the increasing level of cross-industry penetration in the banking and insurance sector. The second part of the book provides for the first time a detailed account of banks' entry strategies into insurance. It thereby focuses on identifying the key factors which determine whether or not entry will be successful.