In addition to its primary role of providing financial protection for other industries the insurance industry also serves as a medium for fund mobilization. In spite of the harsh economic environment in Nigeria, the insurance industry has been crucial to the consummation of business plans and wealth creation.  However, the continued downturn experienced by many countries, in the last decade, se...

theoretically and empirically, it has been often argued that production uncertainty affects the farmers’ production efficiency. insurance can play an impactful role in reducing the uncertainty and, consequently, increasing the investment. using multilevel models, we examined the effect of agricultural insurance programs on investment in the agricultural sector of khorasan razavi province. the c...

gy to reduce the number of uninsured is a matter of debate, much of which hinges on the impact on the insurance market. Specifically, will these plans create a new coverage alternative for uninsured individuals or simply crowd-out those who previously had comprehensive health insurance? The Commonwealth Fund concluded that the loss of certain benefits or substantial increases in deductibles rep...

The paper provides a critical review of empirical studies on IMF induced moral hazard. Taken together, there is considerable evidence that the insurance provided by the Fund leads to moral hazard with investors in bond markets. Although less frequently investigated, there is also evidence that debtor governments’ policies are negatively influenced by the insurance. Their policies are more expan...

Policy analysts consider the Netherlands health system a possible model for the United States. Since 2006 all Dutch citizens have to buy standardized individual health insurance coverage from a private insurer. Consumers have an annual choice among insurers, and insurers can selectively contract or integrate with health care providers. Subsidies make health insurance affordable for everyone. A ...

Most working-age adults have group health insurance coverage through an employer.Those without access to job-based coverage have the option of buying insurance directly in the individual insurance market.That market, however, is the primary source of insurance for only a small proportion of adults ages 19 to 64.To understand the reasons behind low participation rates,The Commonwealth Fund 2001 ...