Since 1995 Australian health insurers have been able to purchase health services pro-actively through negotiating contracts with hospitals, but little is known about their experience of purchasing. This paper examines the current status of purchasing through interviews with senior managers representing all Australian private health insurers. Many of the traditional tools used to generate compet...

Abstract Reinsurance and CAT bonds are two alternative risk management instruments used by insurance companies. Insurers should be indifferent between the in a perfect capital market. However, theoretical literature suggests that insured characteristics market imperfections may influence effectiveness efficiency of reinsurance relative to bonds. add value insurers’ strategies therefore substitu...

on june 2005, a respiratory disease was observed in the chickens of a large broiler farm in kermanshahprovince, west of iran. relatively severe respiratory signs started with sneezing at 27 days of age. thedisease lasted up to the end of fattening period and accompanied by increased mortality (13.6%). at postmortemexamination, tracheitis, airsacculitis and pneumonia were obvious. serologic exam...

Approximately 49.9 million people in the United States lack health insurance (DeNavas-Walt, Proctor and Smith (2011)). One potential driver of uninsurance is asymmetric information on health risk between insurers and the insured. Asymmetric information can distort available insurance contracts, as in Rothschild and Stiglitz (1976), or it can raise premiums for the relatively healthy, as in Aker...