The objective of this study was to assess the prevalence and the type of claim denials (administrative, clinical or both) made by a large dental insurance plan. This was a cross-sectional, observational study, which retrospectively collected data from the claims and denial reports of a dental insurance company. The sample consisted of the payment claims submitted by network dentists, based on t...

We study the fair valuation of participating life insurance policies with surrender guarantees when an early default mechanism is imposed by a regulator. An insurance company is forced to be liquidated once a solvency threshold is reached before maturity. The early default regulation affects the contracts’ value not only directly via changing the contracts’ payment streams but also indirectly v...

A unlt-hnked hfe insurance contract ~s a contract where the insurance benefits depend on the price of some specific traded stocks We consider a model describing the uncertainty of the financial market and a portfoho of insured individuals simultaneously. Due to incompleteness the insurance claims cannot be hedged completely by trading stocks and bonds only, leawng some risk to the insurer. The ...

This note provides two results pertaining to the pricing of agricultural revenue insurance contracts under joint price and yield risk. First, a weakening of the concordance ordering is used to sign the effect of greater dependence between the multiplicative risks (price and yield) on the expected indemnity payment. Second, sufficient conditions are found when the premium rate for revenue insura...

This paper models individual medical care consumption over an insurance year, explicitly accounting for variations in the effective price of medical care due to several characteristics of the health insurance contract. We explain behavior during the health insurance year by solving and estimating a stochastic, discrete choice, dynamic optimization problem that characterizes an individual’s deci...

On October 14, 2022 at St. Petersburg University of the Ministry Internal Affairs Russia within framework scientific school «Administrative and administrative-procedural activity Russia» annual International scientific-practical conference «Actual problems legislative regulation migration processes in CIS member states» was held, where opinions on problematic issues processes, administrative-ju...