Natural hazard insurance is advocated as an important means of risk management, however, private demand often remains below critical levels. Prior loss experience and the design governmental relief schemes are two factors potentially influencing decisions. We address these elements in monetary incentivized experiments which include representations natural Europe. The experiment reflects possibl...

The application of food and beverage information system to traditional farms has become a current trend. In addition to providing visitors with different featured itineraries and services, it also helps develop the so-called featured farms. However, the existing studies on F&B information system of farms mainly focused on the establishment of system, and seldom discussed the satisfaction with u...

This study's objective was to determine the prevalence of Salmonella spp. in pigs and their farm environments in Korea, and to investigate the relationship between the strains based on their phenotypic and genotypic characteristics. A total of 36 Salmonella spp. were isolated in this study: 18 isolates from 492 pigs (3.7%) and 18 isolates from 418 (4.3%) farmhouse environmental samples from 16 ...

CONTEXT Uninsured near-elderly adults, particularly those with cardiovascular disease or diabetes, experience worse health outcomes than insured adults. However, the health benefits of providing insurance coverage for uninsured adults have not been clearly demonstrated. OBJECTIVE To assess the effect of acquiring Medicare coverage on the health of previously uninsured adults. DESIGN AND SET...

Term insurance Term insurance is what comes to mind when most people contemplate an insurance policy. In this situation, the insured pays a premium to the insurance company on a monthly or yearly basis. These premiums entitle the insured to be paid a benefit in the event of death. The typical policy is applied over a defined period of time. In most instances, the term of the policy is between 1...

This paper looks at markets characterized by the fact that the demand side is insured. In these markets a consumer purchases a good to compensate consequences of unfavorable events, such as an accident or an illness. Insurance policies in most lines of insurance base indemnity on the insured’s actual expenses, i.e., the insured would be partially or completely reimbursed when purchasing certain...

Between 1997 and 2003, the share of workers subject to mental health parity laws greatly increased. But because of exemptions for self-insured firms and small firms, coverage is much lower than a simple tally of state mandates would suggest. Limits on the types of conditions covered further weaken these laws. This paper summarizes the extent and scope of state parity legislation in terms of the...

Economic efficiency is improved in the presence of an implemented risk management program of the insurer. Risk management requirements are imposed by regulators to reduce the insurers’ insolvency risk, as well as to improve the insurance market stability. We extend the classical analysis on optimal insurance design to the case when the insurer implements regulatory requirements (Value-at-Risk)....

This study was undertaken in order to examine whether any connection existed between the amounts of iron in forage and the sporadic occurrence of scrapie observed in certain parts of Iceland. As iron and manganese are considered antagonistic in plants, calculation of the Fe/Mn ratios was also included by using results from Mn determination earlier performed in the same samples. Forage samples (...

Using an interrupted time series design and a census of births in California over a 6-year period, we show that state and federal laws passed in the late 1990s designed to increase the length of postpartum hospital stays reduced considerably the fraction of newborns that were discharged early. The law had little impact on re-admission rates for privately insured, vaginally delivered newborns, b...