Versicherungsbetrug In Der Sachversicherung Welche Pr Ventionsma Nahmen Gibt Es Und Wie Effektiv Sind Sie
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Versicherungsbetrug In Der Sachversicherung Welche Pr Ventionsma Nahmen Gibt Es Und Wie Effektiv Sind Sie
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Author : Vanessa Bosso
language : de
Publisher: GRIN Verlag
Release Date : 2019-10-09
Versicherungsbetrug In Der Sachversicherung Welche Pr Ventionsma Nahmen Gibt Es Und Wie Effektiv Sind Sie written by Vanessa Bosso and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-10-09 with Business & Economics categories.
Projektarbeit aus dem Jahr 2019 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,9, Duale Hochschule Baden-Württemberg Mannheim, früher: Berufsakademie Mannheim, Sprache: Deutsch, Abstract: Trotz der Tatsache, dass die Problematik des Versicherungsbetrugs schon lange bekannt ist, mangelte es lange Zeit an konsequent durchgeführten Maßnahmen. In diesem Zusammenhang stellt sich nun die Frage, welche Methoden von Versicherungsunternehmen bei Betrugsverdacht- und versuchen angewendet werden, welche Präventionsmaßnahmen genutzt werden und wie effektiv diese Mechanismen letztendlich sind. In der heutigen Zeit müssen sich die meisten Unternehmen Herausforderungen wie Digitalisierung, demographischem Wandel und niedrigen Zinsen entgegenstellen, hiervon sind Versicherungsunternehmen nicht ausgenommen. Jedoch stehen gerade Versicherungsunternehmen einer ganz anderen Problematik gegenüber, obwohl diese nur selten in den Blickpunkt der Öffentlichkeit gelangt und eher verharmlost wird: Der Versicherungsbetrug. Diese Thematik ist bereits seit Jahrzenten bekannt und trotzdem wird zukünftig mit einem hohen Zuwachs gerechnet, da das Risiko entdeckt zu werden und die Gefahr von Sanktionserhöhungen immer noch gering ist. Durch die Hemmungslosigkeit vieler Versicherungsnehmer steigt so nicht nur die Anzahl der Betrugsfälle, sondern auch die Professionalität bei der Betrugsumsetzung. Für Versicherer ist es daher wichtig, sich mit effektiven Abwehrmechanismen zu schützen und effiziente Methoden zur Prävention zu finden, vor allem unter der Betrachtung der Prämisse, dass davon ausgegangen wird, dass 25 bis 40 Prozent aller Schadenfälle manipuliert sind. Täter rechtfertigen ihre Taten häufig mit der Aussage, schon lange Beiträge eingezahlt zu haben und daher ein Anrecht auf Leistung zu haben. Diese Verharmlosung zeigt, dass der Tatbestand des Versicherungsbetrugs in Deutschland nur als Kavaliersdelikt angesehen wird und Versicherungsnehmer weisen dementsprechend risikofreudigere Verhaltenszüge auf. Was viele hierbei nicht beachten ist, dass die Kosten, die bei einem Versicherungsbetrug entstehen nicht alleine vom Versicherer getragen werden. Hohe Schadenquoten und hohe Auszahlungen resultieren in Beitragserhöhungen und sind somit teilweise vom Versicherungsnehmer selbst zu tragen. Darüber hinaus wird der normale und schnelle Ablauf in der Sachbearbeitung dahingehend gestört, dass Schadenmeldungen kritisch und genauer betrachtet werden müssen. Generell überwiegen die Tatbestände in der Sachsparte, in der Personenversicherung werden eher wenige Betrugsfälle registriert.
Philosophical And Spiritual Perspectives On Decent Work
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Author : Dominique Peccoud
language : en
Publisher: International Labour Organization
Release Date : 2004
Philosophical And Spiritual Perspectives On Decent Work written by Dominique Peccoud and has been published by International Labour Organization this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Employment (Economic theory) categories.
This volume reflects on the values behind the ILO's Decent Work Agenda and provides a forum for contributors from various humanistic, philosophical, spiritual and religious traditions to express their views on the significance of work at all levels of society, from the individual person to the global community. Common, universal values are explored, as well as differences, in order to shed more light on the concept of decent work. In all societies, there is an ethical dimension to work, connected to the rights and entitlements of those who perform it. This also includes spiritual value such as dignity, personal identity, a sense of purpose in life, the "divine call to work" and so on. In this book, contributors - from the Jewish, Christian, Muslim, Hindu, Buddhist, Confucian, and various secular traditions - come together to exchange comments and reflections on the "floor" of decency as defined by the ILO: freedom of association, eradication of forced and compulsory labour, abolition of child labour and elimination of discrimination in respect of employment and occupation. It is hoped that this type of approach will be inspiring. Before embarking on major international strategic papers, legal instruments and public policies, the systematic consultation of an interfaith and humanistic forum would enable cultural and religious views to be taken into consideration. In this way such instruments would be anchored in shared values and not influenced by any one dominant conception of human existence in the world.
From Guild Welfare To Bismarck Care
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Author : Phillip Hellwege
language : en
Publisher:
Release Date : 2020
From Guild Welfare To Bismarck Care written by Phillip Hellwege and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
Of Marine Insurance
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Author : Samuel Marshall
language : en
Publisher:
Release Date : 1810
Of Marine Insurance written by Samuel Marshall and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1810 with Bottomry and respondentia categories.
Urban Public Health
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Author : Gina S. Lovasi
language : en
Publisher: Oxford University Press
Release Date : 2020-09-10
Urban Public Health written by Gina S. Lovasi and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-09-10 with Medical categories.
Today, we know cities as shared spaces with the potential to both threaten and promote human health: while urban areas are known to amplify the transmission of epidemics like Ebola, urban residency is also associated with longer, healthier lives. Modern cities encompass a wide ecology of infrastructures, institutions and services that impact health, from access to improved sanitation and early childhood education to the design of buildings and transportation systems. So how has this centuries-long transformation in human settlement affected the mindset surrounding public health research and practice? Urban Public Health is an interdisciplinary collaboration from experts across the globe that approaches the issue of urban health research from a uniquely public health orientation. The carefully crafted and thoughtful chapters in this volume grapple with the complexity of the urban setting as a physical and social space while also providing an abundance of global and local examples of current urban health practices. Urban Public Health is divided into four pragmatic sections which cover core conceptual models of public health and their inequities, methods of urban health research assessment, methods of urban health research analysis and explanation, and ultimately, opportunities for urban health research to inform action through partnership and collaboration, including those which elevate community voices and capacities. An accessible guide for both students and researchers alike, Urban Public Health shines a light on how to understand, measure and change the urban setting so that cities grow, people thrive, and no one is left behind.
Digital Disconnect
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Author : Robert W. McChesney
language : en
Publisher: New Press, The
Release Date : 2013-03-05
Digital Disconnect written by Robert W. McChesney and has been published by New Press, The this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-03-05 with Computers categories.
Celebrants and skeptics alike have produced valuable analyses of the Internet's effect on us and our world, oscillating between utopian bliss and dystopian hell. But according to Robert W. McChesney, arguments on both sides fail to address the relationship between economic power and the digital world. McChesney's award-winning Rich Media, Poor Democracy skewered the assumption that a society drenched in commercial information is a democratic one. In Digital Disconnect McChesney returns to this provocative thesis in light of the advances of the digital age, incorporating capitalism into the heart of his analysis. He argues that the sharp decline in the enforcement of antitrust violations, the increase in patents on digital technology and proprietary systems, and other policies and massive indirect subsidies have made the Internet a place of numbing commercialism. A small handful of monopolies now dominate the political economy, from Google, which garners an astonishing 97 percent share of the mobile search market, to Microsoft, whose operating system is used by over 90 percent of the world's computers. This capitalistic colonization of the Internet has spurred the collapse of credible journalism, and made the Internet an unparalleled apparatus for government and corporate surveillance, and a disturbingly anti-democratic force. In Digital Disconnect Robert McChesney offers a groundbreaking analysis and critique of the Internet, urging us to reclaim the democratizing potential of the digital revolution while we still can.
Understanding Human Rights
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Author : Wolfgang Benedek
language : en
Publisher:
Release Date : 2012
Understanding Human Rights written by Wolfgang Benedek and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Human rights categories.
This third edition of Understanding Human Rights has been elaborated by the European Training and Research Center for Human Rights and Democracy (ETC) in Graz, originally for the Human Security Network (HSN) at the initiative of the Austrian Ministry for Foreign Affairs. The objective is to assist human rights education efforts worldwide. The book's thematic modules on selected human rights issues cover topics such as: the prohibition of torture, freedom from poverty, human rights of women and children, human rights in armed conflict, freedom of expression, and democracy. New to this updated edition are chapters reflecting current trends in human rights, including new modules on privacy (such as challenges posed by Internet use), minority rights, and the right to asylum. Translations of the earlier editions already exist in 15 languages, among them all the official United Nations languages. Understanding Human Rights has become a basic text for human rights education and training in different countries, on different levels, and for different audiences, from university lectures in China to NGO training in Mali to police training in Kosovo.
Risk And Insurance
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Author : Søren Asmussen
language : en
Publisher: Springer Nature
Release Date : 2020-04-17
Risk And Insurance written by Søren Asmussen and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-04-17 with Mathematics categories.
This textbook provides a broad overview of the present state of insurance mathematics and some related topics in risk management, financial mathematics and probability. Both non-life and life aspects are covered. The emphasis is on probability and modeling rather than statistics and practical implementation. Aimed at the graduate level, pointing in part to current research topics, it can potentially replace other textbooks on basic non-life insurance mathematics and advanced risk management methods in non-life insurance. Based on chapters selected according to the particular topics in mind, the book may serve as a source for introductory courses to insurance mathematics for non-specialists, advanced courses for actuarial students, or courses on probabilistic aspects of risk. It will also be useful for practitioners and students/researchers in related areas such as finance and statistics who wish to get an overview of the general area of mathematical modeling and analysis in insurance.
Misrepresentation Mistake And Non Disclosure
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Author : John Cartwright
language : en
Publisher: Sweet & Maxwell
Release Date : 2012
Misrepresentation Mistake And Non Disclosure written by John Cartwright and has been published by Sweet & Maxwell this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Law categories.
This book fully explains the role of Misrepresentation in Contract Law. It further expands on the role of Mistake and Non-disclosure in a contractual dispute and formally comments on the general duties of negotiating parties.
Dietary Supplements And Functional Foods
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Author : Geoffrey P. Webb
language : en
Publisher: John Wiley & Sons
Release Date : 2008-04-15
Dietary Supplements And Functional Foods written by Geoffrey P. Webb and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-04-15 with Medical categories.
The study of nutritional supplements has become increasingly important within orthodox establishments throughout the world, and as the market for these products continues to grow, so does the need for comprehensive scientifically sound information about the products, their properties s and potent6ial health effects. Geoffrey P. Webb, in this exciting and most useful new book, not only looks at the accepted uses of dietary supplements, such as the us of fish oils in the prevention of heart disease and arthritis, but also explores the wider picture, identifying common themes and principles or particular categories of supplements. Dietary Supplements and Functional Foods provides an excellent introductory text on this fascinating subject. Written with a strategic overview approach applied to each chapter Evidence-based assessment of supplements and their contribution to the prevention and treatment of disease Detailed discussion on individual supplements and functional foods including vitamins, minerals, antioxidants and probiotics An invaluable source of reference for students and professionals in nutrition, dietetics, nutritional therapy, food science and technology and other health profession including nursing, pharmacy and pharmacology. Personnel within food and pharmaceutical companies involved with supplement and functional food development and all libraries in institutions where this subject is studies and taught will find this book an important additional to their shelves.