BACKGROUND The introduction of health insurance in Ghana in 2003 has resulted in a tremendous increase in utilization of health services. However, concerns are being raised about the quality of patient care. Some of the concerns include long waiting times, verbal abuse of patients by health care providers, inadequate physical examination by doctors and discrimination of insured patients. The st...

The bias against mangrove areas in siting fish farms prompted a comparison of the cost structure and yield performance in upland and mangrove locations. Tools utilized included descriptive statistics, budgetary and cash flow analyses and profitability ratios. Empirical results revealed that substantial revenue could be realized from both farms. While the upland farms yielded average gross reven...

BACKGROUND Excessive healthcare payments can impede access to health services and also disrupt the welfare of households with no financial protection. Health insurance is expected to offer financial protection against health shocks. Ghana began the implementation of its National Health Insurance Scheme (NHIS) in 2004. The NHIS is aimed at removing the financial barrier to healthcare by limiting...

BACKGROUND We study the impact of suicide-exclusion periods, common in life insurance policies in Australia, on suicide and accidental death rates for life-insured individuals. If a life-insured individual dies by suicide during the period of suicide exclusion, commonly 13 months, the sum insured is not paid. AIMS We examine whether a suicide-exclusion period affects the timing of suicides. W...

We analyze and compare the impact of tax incentives and of introducing enhanced annuities on annuitization behavior considering heterogeneity among the insured. We find that tax incentives for annuitization result in a significant increase of the portion of people who should annuitize and also an increase of the insurer’s profit since less healthy individuals also annuitize, i.e. adverse select...

Abstract This paper examines the different regimes of insurer liability under concurrent causation in English law and Chinese law. The analysis shows that neither nor is satisfactory terms insurer's such cases. It argued only one proximate cause should be identified among multiple causes except circumstance where an excluded risk insured concurrently independently a loss subject matter insured....

Children with insurance have better access to care and health outcomes if their parents also have insurance. However, little is known about whether the type of parental insurance matters. This study attempts to determine whether the type of parental insurance affects the access to health care services of children.I used data from the 2009-2013 Medical Expenditure Panel Survey and estimated mult...