The Law of Life and Health Insurance PDF Download

Author: Bertram Harnett
Publisher:
ISBN:
Category : Insurance, Health
Languages : en
Pages :

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Author: Jan Hellner
Publisher:
ISBN:
Category : Insurance, Life
Languages : en
Pages : 308

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Author: Attila Fenyves
Publisher: Walter de Gruyter GmbH & Co KG
ISBN: 3110486172
Category : Law
Languages : en
Pages : 580

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Book Description
Statutory obligations to take out liability insurance are, in practice, the most important means to ensure compensability of damage arising from dangerous activities. However, in contrast to the significant practical impact, academic research on the topic has not been extensive so far. This study, therefore, undertakes a comprehensive survey of compulsory liability insurance from nine national perspectives (Austria, Belgium, the Czech Republic, Finland, Germany, Hungary, Italy, Switzerland, and the United Kingdom) and takes constitutional and European law (four freedoms, European Convention on Human Rights) as well as the Principles of European Insurance Contract Law (PEICL) into account. It also contains an extensive economic analysis of compulsory liability insurance and discusses aspects of insurability. A Comparative Report, Conclusions and an Annex containing a compilation of rules on compulsory liability insurance in the nine national legal systems complete the study. It considers in particular: the aims of provisions stating an obligation to take out liability insurance the mandatory content of insurance cover the protection mechanisms linked to compulsory liability insurance the control mechanisms and the sanctions imposed structural deficiencies of existing compulsory liability insurance systems

Author: Pierpaolo Marano
Publisher: Springer Nature
ISBN: 3030527387
Category : Bank marketing
Languages : en
Pages : 439

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This open access volume of the AIDA Europe Research Series on Insurance Law and Regulation offers the first comprehensive legal and regulatory analysis of the Insurance Distribution Directive (IDD). The IDD came into force on 1 October 2018 and regulates the distribution of insurance products in the EU. The book examines the main changes accompanying the IDD and analyses its impact on insurance distributors, i.e., insurance intermediaries and insurance undertakings, as well as the market. Drawing on interrelations between the rules of the Directive and other fields that are relevant to the distribution of insurance products, it explores various topics related to the interpretation of the IDD - e.g. the harmonization achieved under it; its role as a benchmark for national legislators; and its interplay with other regulations and sciences - while also providing an empirical analysis of the standardised pre-contractual information document. Accordingly, the book offers a wealth of valuable insights for academics, regulators, practitioners and students who are interested in issues concerning insurance distribution.--

Author: Minnesota
Publisher:
ISBN:
Category : Insurance law
Languages : en
Pages : 228

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Author: J. David Cummins
Publisher: Springer Science & Business Media
ISBN: 0387341633
Category : Business & Economics
Languages : en
Pages : 1000

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Handbook of International Insurance: Between Global Dynamics and Local Contingencies analyzes key trends in the insurance industry in more than 15 important national insurance markets that represent over 90 percent of world insurance premiums. Well-known academics from Europe, the Americas and Asia examine their own national insurance markets, including the competitive structure, product and service innovations, and regulatory developments. The book provides academics and executives with an unprecedented range of information about today’s insurance markets. This book also provides important 'new' information on the evolution of the financial sector worldwide and comprehensive chapters on reinsurance, Lloyd’s of London, alternative risk transfer, South and East Asian insurance markets, and European insurance markets. Setting the stage is an overview chapter by the editors focusing on overall conclusions on globalization.

Author: Mark A. Rothstein
Publisher: MIT Press
ISBN: 9780262182362
Category : Business & Economics
Languages : en
Pages : 320

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Experts discuss the economic, legal, and social issues surrounding the use of genetic testing in determining eligibility for life insurance. Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public. The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.

Author: Tom Baker
Publisher: University of Chicago Press
ISBN: 9780226035185
Category : Business & Economics
Languages : en
Pages : 336

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AcknowledgmentsList of Contributors1. Embracing RiskTom Baker and Jonathan SimonPart One: Toward a Sociology of Insurance and Risk2 Risk, Insurance, and the Social Construction of ResponsibilityTom Baker3 Beyond Moral Hazard: Insurance as Moral OpportunityDeborah Stone4 Embracing Fatality through Life Insurance in Eighteenth-Century EnglandGeoffrey Clark5 Imagining Insurance: Risk, Thrift, and Life Insurance in BritainPat O'Malley6 Insuring More, Ensuring Less: The Costs and Benefits of Private Regulation through InsuranceCarol A. Heimer7 Rhetoric of Risk and the Redistribution of Social InsuranceMartha McCluskeyPart Two: Risk(s) beyond Insurance8 Taking Risks: Extreme Sports and the Embrace of Risk in Advanced Liberal SocietiesJonathan Simon9 At Risk of MadnessNikolas Rose10 The Policing of RiskRichard V. Ericson and Kevin D. Haggerty11 The Return of Descartes's Malicious Demon: An Outline of a Philosophy of PrecautionFrancois Ewald (translated by Stephen Utz)Index Copyright © Libri GmbH. All rights reserved.

Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309083435
Category : Medical
Languages : en
Pages : 213

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Book Description
Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.

Author: Hannah Farber
Publisher: UNC Press Books
ISBN: 1469663643
Category : History
Languages : en
Pages : 350

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Book Description
Unassuming but formidable, American maritime insurers used their position at the pinnacle of global trade to shape the new nation. The international information they gathered and the capital they generated enabled them to play central roles in state building and economic development. During the Revolution, they helped the U.S. negotiate foreign loans, sell state debts, and establish a single national bank. Afterward, they increased their influence by lending money to the federal government and to its citizens. Even as federal and state governments began to encroach on their domain, maritime insurers adapted, preserving their autonomy and authority through extensive involvement in the formation of commercial law. Leveraging their claims to unmatched expertise, they operated free from government interference while simultaneously embedding themselves into the nation's institutional fabric. By the early nineteenth century, insurers were no longer just risk assessors. They were nation builders and market makers. Deeply and imaginatively researched, Underwriters of the United States uses marine insurers to reveal a startlingly original story of risk, money, and power in the founding era.