OBJECTIVE To investigate the association between the economic recession and the detection of advanced cases of pulmonary tuberculosis in Osaka city from 2007 to 2009. DESIGN A repeated cross-sectional study. SETTING Osaka city has been the highest tuberculosis burden area in Japan. After the previous global financial crisis, the unemployment rate in Osaka prefecture has deteriorated from 5....

Life insurance is a financial product that protects individuals from the risk of unfortunate events such as death and disability. Although life market showing increased penetration, many still do not have insurances. Purpose: This research aimed to analyze influence consumer trust in relationship between perceived knowledge with behavior intention. Design/methodology/approach: used quantitative...

Abstract Damage to residential buildings caused by natural disasters will increase as climate change progresses. However, in Germany not all are insured against it. This article gives an overview on the current debate how improve common state of insurance. We present new empirical evidence acceptance disaster insurances and outline key parameters that should be subject regulation. includes type...

BACKGROUND Asymmetric information is one of the most important issues in insurance market which occurred due to inherent characteristics of one of the agents involved in insurance contracts; hence its management requires designing appropriate policies. This phenomenon can lead to the failure of insurance market via its two consequences, namely, adverse selection and moral hazard. OBJECTIVE Th...

Introduction: Since 01. 01. 2015 the new Munich nomenclature III for gynaecological diagnostics of the cervix has been in force. The changes have led to controversial scientific discussions. This study reports for the first time on the consequences. Materials and Methods: The present data are based on smear screening results for the year 2014. The data of 63 134 patients were evaluated. Results...

Seeing that agents of various health and life insurances knock at our doors, or automatically saved voices speak on our answering machines choosing us for the “special private pension offer,” we hardly disagree – we need to think about our retirement funds. A state-related labour agency thinks along the same lines, sending each young, perhaps first-time, employee a proposal of its pension if sh...

Osteoporosis currently affects over twelve million Americans with another forty million affected by osteopenia or low bone mass [1]. Low bone mineral density has long been known to increase the risk of fragility fracture defined as “any fracture caused by injury that would be insufficient to fracture a normal bone”, typically occurring in the hip, vertebrae, wrist, and proximal humerus [2]. The...

Similarly to the notion of modeling credit risk by using forward credit default spread rates, mortality risk in life insurance contracts is nowadays often modeled by using forward mortality (spread) rates. Since recently this concept is also discussed for more complex life insurances that include multiple lifes or intermediate states that correspond to the health status of the insured. For cons...