Financial services industries, such as insurance, increasingly use data from their broad cross-section of customers and follow these over time. In other areas medicine, engineering, communication systems, it is well known that following subjects time may result in biased data, for example, the so-called ”dropout effect”. This paper introduces techniques to address dropout commonly encountered i...

tabriz petrochemical complex is located in northwest of iran and west of tabriz oil refinery and mostly produces raw plastics. in this study the implementation of reduction of hazardous waste contact in this complex with special emphasis on personal protective equipment (ppe) is discussed. accordingly different hazards threatening personnel, indoor and outdoor environment were determined. in or...

In this paper insurance claims are priced using an indifference pricing principle. We first revisit the traditional economic framework and then extend it to include the presence of a complete financial market. In this context we derive lower bounds for claims’ prices, and these bounds correspond to the market prices of some explicitly known financial payoffs. In particular we show that the disc...

introductions: due to versatility and wide range of health care services, the social care insurance organizations can not afford undertaking all health care services for the insured. this is why additional services are taken over by private or commercial health care insurance companies. such services are known as complementary insurance. in this study , it was decided to investigate the satisfa...

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 develop two permutation theorems on argument increasing functions of a multivariate random vector and a real parameter vector. We use the unified approach of our two theorems to provide some important theoretical results on the capital allocation in actuarial science, the deductible and upper limit allocations in insurance policy, and portfolio allocation in financial engineeri...

In the era of competition, understanding position company is crucial in order to be able set strategy strengthen and increase competitive market. It important have a strong budgeting forecasting process establish target achieved which then as basis plan business more detail. Budgeting provides guidance, direction for achieve within period time. However, it no doubt that has been painful, taking...

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...