one of the most challenging problems in our country insurance industry is the phenomenon of increase of loss pay average time by insurance companies. a lot of research and analysis have been conducted on both the roots and possible solutions for this problem, none of which has had success in annihilating it. this paper presents a discrete model ) nonlinear mathematical model ( of insurance serv...

moral hazards are the result of an expansive range of factors mostly originating in the patients’ roles. the objective of the present study was to investigate patient incentives for moral hazards using the experiences of experts of basic iranian insurance organizations. this was a qualitative research. data were collected through semi-structured interviews. the study population included all exp...

The success of electronic filing services largely depends on their continuance usage. This study examines the factors affecting usage intention online tax in Mauritius. An integrated model comprising Trust Theory and Information System Success Model (ISSM) is applied to assess behaviour e-filing systems. has been extended by adding two additional variables: Perceived Usefulness Risk. was tested...

This Panel Paper reviews recent evidence on moral hazard in the insurance industry. We discuss three types of moral hazard and detail how each is an asymmetric information problem. For each of the types, we summarize the empirical evidence and discuss the policy implications that follow from it. The evidence for ex ante moral hazard (i.e., insurance-induced increases in risk-taking) is rather w...

Because business-to-business (B2B) electronic marketplaces (e-marketplaces) facilitate transactions between buyers and sellers, they strive to foster a trustworthy trading environment with a variety of trust-building measures. However, little research has been undertaken to explore trust-building measures used in B2B e-marketplaces, or to determine to what extent these measures are applied in B...

Infobuttons have proven to be an important element in modern electronic health records (EHR), providing educational materials to both providers and patients. However, the usage of infobuttons in personalized health records (PHR) is only lightly documented in the literature. Patient-facing infobuttons pose a new challenge because patients have different questions and educational levels than prof...

To estimate how the Affordable Care Act's Medicaid expansions will affect demand for services, we measured ambulatory care utilization among adult patients who gained insurance during Oregon's 2008 Medicaid expansion. Using electronic health record data from 67 community health centers, we assessed pre- and postcoverage utilization among patients who gained insurance, compared with patients con...