asymmetric information in iran’s insurance market: case study for automobile insurance in iran insurance companythis research aims to test the presence of asymmetric information by using the dynamic information of automobile policyholders in the iran insurance company (iic). the conditional independence test is conducted by bivariate probit model, the dynamic properties which are presented for ...

Technology is changing very quickly at very cheap prices. Along with this, it becomes easier to buy any electronic product right now as compared to previous years. There are many channels (Online & Offline) available in the market to buy your desired products. Nowadays it becomes a trend: to buy new electronic products to use the latest available technology. People prefer to buy new product ins...

Despite a consensus that the use of health information technology should lead to more efficient, safer, and higher-quality care, there are no reliable estimates of the prevalence of adoption and physician usage of electronic health records (EHRs). Data from the American Hospital Association was examined for the presence of specific electronic-recorded functionalities. We also examined the diffe...

drawing up the insurance contracts by insurance companies has led to disregard policyholder's rights. this means that insurers by inserting unfair terms in insurance contracts seek to make a contract that they gain special privileges for themselves. jurists as main opponents of injustice regard commitment not to insert unfair terms as one of the insurer's pre-contractual obligations i...

In this paper, we propose an architecture of accounting and payment services for service-oriented grid computing systems. The proposed accounting and payment services provide the mechanisms for service providers to be paid for authorized use of their resources. It supports the recording of usage data, secure storage of that data, analysis of that data for purposes of billing and so forth. It al...

This paper outlines the results of the EBONI Project’s survey of lecturers’ use of and attitudes to electronic teaching and learning material, providing a snapshot of the current situation in UK Higher Education. Differences in the extent and type of e-content usage between academic disciplines are outlined, and lecturers’ intentions for the future are discussed. Based on an analysis of their h...

UNLABELLED Electronic Knowledge Resources (EKRs) are increasingly used by physicians, but their situational relevance has not been systematically examined. OBJECTIVE Systematically scrutinize the situational relevance of EKR-derived information items in and outside clinical settings. BACKGROUND Physicians use EKRs to accomplish four cognitive objectives (C1-4), and three organizational obje...

This study characterized the extent and patterns of self-reported drug use among aging adults with and without HIV, assessed differences in patterns by HIV status, and examined pattern correlates. Data derived from 6351 HIV-infected and uninfected adults enrolled in an eight-site matched cohort, the Veterans Aging Cohort Study (VACS). Using clinical variables from electronic medical records and...

Electronic health records (EHRs) and EHR-connected patient portals offer patient-provider collaboration tools for visit-based care. During a randomized controlled trial, primary care patients completed pre-visit electronic journals (eJournals) containing EHR-based medication, allergies, and diabetes (study arm 1) or health maintenance, personal history, and family history (study arm 2) topics t...

insurance industry is one of the effective factors of developing sustainable agriculture. natural resources that are more pone to influence than other phenomenon such as: drought, there are limited areas under insurance. from 86.4 million hectares of country ranges, there are nearly 3 million hectares under insurance. semnan province are compared to other areas has more range insured. therefore...