| Papers [1-16] of 100 :: [Page 1 of 7] | | Go to page : 1 2 3 4 5 6 7 —> | Search results on "MALPRACTICE INSURANCE": |
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Malpractice Insurance, 2004.
This paper discusses that insurance premiums for malpractice insurance for long-term care (LTC) have become prohibitive.
2,290 words (approx. 9.2 pages), 13 sources, APA, AU$ 91.95
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Abstract
This paper explains that, whereas other industries afflicted by high premiums have shifted some of this burden to the customer by increasing the fees charged, this is generally not an option for the LTC industry because the great majority of patients in nursing homes have their costs paid by federal Medicare and Medicaid programs. The author points out that the high costs of the litigious climate are causing some states, such as Florida and Texas, to implement damage award caps. The paper stresses that the goal of preventing abuse and increasing the standards of care in long-term facilities is being thwarted by a system that pits lawyers against nursing homes.
From the Paper
"The long-term care homes were the most profitable sector in the late 1980s, Fletcher writes, but are now the least profitable for the insurance industry. Losses are so extreme in the nursing home sector that many carriers are refusing to insure long-term facilities. Fletcher mentions two states, Florida and Texas that are hit particularly hard by insurance carrier losses. At the root of these skyrocketing premiums is the different legal climate that has awarded large settlements to plaintiffs in suits against LTC facilities."
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Insured/Under-insured, 2004.
A comparison of the limitations of the U.S. health insurance system compared to other countries.
3,547 words (approx. 14.2 pages), 15 sources, MLA, AU$ 129.95
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Abstract
This paper attempts to address the question as to how U.S. should respond to the ongoing growth of uninsured and under-insured persons within the overall population. An overview is provided of the current health insurance system existing within the U.S., followed by a discussion of the factors that influence and are associated with the current system. It also examines the health insurance systems of other countries, which have been found to have better health outcomes than the U.S. It concludes with recommendations for the adoption of a universal health insurance system within the U.S.
Outline
Overview of the U.S. Health Insurance System
Factors Influencing Health Insurance in the U.S.
An Alternative U.S. Health Care System
Japan
Sweden
Canada
Summary and Conclusions
From the Paper
"As a component of the social insurance system in Sweden, health insurance and health care are financed via compulsory employers' contributions and individual social security contributions deducted from incomes (Swedish Institute, 2001). As further explained by the Swedish Institute, the 18 county councils that administer social insurance programs finance the costs of medical care directly from an income tax levied on all those living in the county who are in paid employment. According to the Swedish Institute, approximately 80 percent of tax revenues go to running the health care system and to subsidizing patient fees. Patients assume a proportion of the health costs when consulting a health care service, ranging from approximately 8 to 38 dollars. While all of Sweden?s residents are entitled to compensation for medical care, those individuals who have earned at least $750 annually through gainful employment are entitled to cash benefits for loss of income while ill."
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Medical Malpractice and Tort Reform.
This paper argues that tort reform would have precisely zero effect on the health insurance costs of Americans and would have very serious harmful effects on the lives of Americans who find it necessary to seek relief through a malpractice lawsuit.
1,935 words (approx. 7.7 pages), 6 sources, MLA, AU$ 79.95
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Abstract
This paper explains that tort reform, putting a cap on jury awards in malpractice suits, is exactly what the insurers want because, in addition to making a handsome profit on their medical malpractice lines as it stands, they would then have to pay out even less. The author points out that reducing consumer health insurance costs would be better served by a systematic effort to weed out bad doctors and prevent malpractice. The paper stresses that, even if there were a link between medical malpractice insurance costs and consumer health insurance costs, the culprit is the insurer itself because it is not allowed, by law, to raise rates in response to big payouts; insurers are allowed to raise rates when their projected investment income declines.
From the Paper
"The suggestive portion of the NAIC findings is this: although malpractice insurance premiums make up such a small portion of health-care costs, medical malpractice as a line of insurance demonstrated the highest profit as a percentage of premiums (Stewart, 21+), making it very lucrative for the insurance companies. Further, losses paid by those insurers in 1991 came to only about 31 cents of every $100 of health care costs; remember, malpractice premiums accounted for 64 cents per $100 spent, leaving 33 cents for the company out of each $100. While the amount spent on malpractice insurance by the consumer, trough his or her medical expenditures, is negligible, there are a lot of people spending $100 frequently, massing up piles of 33 cents for the insurers."
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Introduction to Insurance, 2008.
Describes basic types of insurance, specifically life insurance and general insurance.
1,470 words (approx. 5.9 pages), 7 sources, APA, AU$ 63.95
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Abstract
This paper defines the two main types of insurance, namely, life insurance and general insurance. It points out that the main aim of insurance is to minimize the risks involved in various aspects of life and to cover and compensate the owner if any loss is suffered by the owner. The paper explains that general insurance involves fire and miscellaneous insurance, which covers a host of things ranging from burglary, theft, fidelity guarantee, live stock and crops, employer's liability and lastly insurance of motor vehicles. To conclude, the paper holds that insurance plays a pivotal role in minimizing risk and in compensating against the damage suffered.
Outline:
Introduction
Types of Insurance
Home Insurance
Health Insurance
Travel Insurance
Auto Insurance
Conclusion
From the Paper
"In life insurance the insurer agrees to pay compensation to the policy owner upon occurrence of an undesired event and the compensation is paid for the same, this undesired event can be death or accident or any other event which causes damage to the policy owner. In return the policy owner pays a premium, which can either be a stipulated amount or can be lump sum. There are many terms included in the most of the policies, one such common term is suicide, if the policy owner commits suicide the policy becomes null in other words the policy holder will be paid no compensation if he commits suicide. Another common term is the face amount; this is nothing but the initial amount which is paid by the insurer to the policy holder when the policy becomes mature."
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Facultative Re-Insurance Underwriting, 2006.
This well-researched paper defines and details the advantages and disadvantages of two particular forms of insurance currently available in America: Re-insurance and treaty re-insurance.
1,995 words (approx. 8.0 pages), 3 sources, APA, AU$ 82.95
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Abstract
The writer of this paper defines re-insurance as a basic method of underwriting insurance. Re-insurance falls mainly into two categories, the first being facultative re-insurance and treaty re-insurance, which are both handled by two separate companies. This paper details how both methods of insurance operate as well as how insured Americans are directly affected by these types of policies. This paper also discusses the individual risks involved with these forms of insurance as well as how downsizing and mergers have impacted the industry creating a shortage of qualified underwriters.
From the Paper
"One area where Facultative Re-insurers are concentrating their efforts both in training and research is in the environmental area. Here the losses from just one storm, or earthquake or any other natural disaster is very costly for all concerned. While this effort continues and as clean up after the fact of a disaster we're seeing such improvements as "storm resistant" construction, rapid rescue techniques, and many other improvements all precipitated by the Facultative Re-insurance Industry. And there are constant changes being made in order to reduce costs and improve life in general for the insured public."
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Medical Malpractice, 2005.
This paper discusses the problems of medical malpractice especially errors in prescribing prescription drugs.
1,385 words (approx. 5.5 pages), 3 sources, APA, AU$ 60.95
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Abstract
This paper explains that the FDA and numerous other organizations report that prescriptions drugs cause an enormous number of preventable injuries and death resulting in "cap" laws, a rise in insurance costs, regulations on physicians and the death of innumerable innocent civilians. The author points out that, on the other hand, the non-partisan Congressional Budget Office finds that the costs associated with malpractice-buying insurance and paying out damage awards-amounts to less than two percent of America's skyrocketing healthcare expenses. The paper stresses that the problem of malpractice will not cease without the help of well trained doctors, honest and just politicians and insurance workers who value their customers.
From the Paper
"In light of numerous large payouts associated with medical malpractice, President George W. Bush called for strict limits on medical malpractice suits, including a "cap of $250,000 on what victims and their families could recover for non-economic damages." He also inflicted an attack on lawyers fees, including a drop from thirty percent, to twenty on cases less than 600K. On cases exceeding 600K, he dropped twenty percent to fifteen percent. Now, let's look more in-depth. When taking on a malpractice suit, it immediately throws the victim and lawyer into a David and Goliath situation, and in light of Bush's bill, "David has lost his sling.""
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Insurance Fraud, 2002.
An in-depth insight into insurance fraud, what it is, and what measures can be taken to prevent it.
10,871 words (approx. 43.5 pages), 18 sources, MLA, AU$ 279.95
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Abstract
This paper attempts to identify the different types of insurance fraud perpetrated today and to evaluate their effect on the insurance industry and society at large. After tax evasion, insurance fraud is considered the highest-ranked among white-collar crimes. It provides a history of insurance, examines in detail the main types of insurance frauds currently around and discusses the measures that can be taken to help prevent and reduce the number of fraudulent claims.
Table of contents:
Abstract
Introduction
History of Insurance
Insurance Fraud
How Insurance Frauds Affect Society
Classification of Fraud by Insurance Companies
Insurance Fraud Status as a Crime
Types of Insurance Frauds
Staged Auto Accidents
Arson-for-Profit
Health Insurance Fraud by Individuals and Corporations
Workers' Compensation Fraud
Property/ Casualty Insurance Fraud
Agent Fraud
Fake and Real Deaths to Collect Life Insurance Money
Identity Fraud
Efforts to Reduce Insurance Fraud
Conclusion
From the Paper
"One of the most famous insurance providers in the world today, Lloyd's of London came into existence in 1688. Edward Lloyd owned a coffeehouse in London where merchants and bankers evaluated the risk of the maritime operations of seafaring vessels used for trading among the various British colonies and those used for prospecting new lands. Financiers for the expensive endeavors and trips to far off lands invested huge amounts of money in the hope that the voyages would be successful. Ship captains required money for supplies and goods, and would offer to embark on these dangerous trips with the help of these financiers?a potentially, mutually beneficial endeavor."
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Malpractice Caps, 2005.
This paper examines the issue of caps on malpractice awards.
1,560 words (approx. 6.2 pages), 7 sources, MLA, AU$ 66.95
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Abstract
This paper explains that the main reason why caps should exist on malpractice suit is the cost of malpractice insurance for doctors, which has forced many doctors to stop practicing medicine. The author points out that placing caps on malpractice awards might shield negligent doctors from being held accountable for their mistakes and might prevent patients from getting the monetary awards that match the economic and traumatic impact of the injuries they have incurred. The paper states that the solution to this issue is to place caps on malpractice awards; however, in extreme cases where negligence is apparent and the impact of such negligence is irrevocable, there must be exceptions to such caps.
Table of Contents
Introduction
Why Caps on Malpractice Awards
Why No Caps on Malpractice Awards
Discussion and Conclusion
From the Paper
"The problems associated with malpractice awards came to the forefront in 2002 when a group of 60 specialists at the University Medical Center in Las Vegas refused to work because of the high cost of malpractice insurance. Their actions caused the hospitals emergency room to shut down. This gave Nevada and the nation a glimpse of the public health crisis that could ensue if caps are not placed on Malpractice Awards. In the case of Las Vegas, legislatures came together and placed a $350,000 cap on the amount of money that a patient could receive as a non economic award in a malpractice case. However, lawmakers did attach to exceptions to the bill including "one involving cases where there is "gross malpractice". The other where there is "clear and convincing" evidence that an award should exceed the $350,000 cap."
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Health Insurance Fraud, 2004.
A look at the growing problem of medicare and medicaid insurance fraud and what can be done to prevent it.
7,463 words (approx. 29.9 pages), 21 sources, MLA, AU$ 213.95
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Abstract
This paper critically evaluates the statutes purposely passed to tackle medicare and medicaid insurance fraud. It also examines the fundamentals, penalties, defenses, and safe harbor provisions for each and every statute, as well as concludes with a discussion of accessible legal safe harbor provisions. It discusses the wide-ranging federal statutes employed to impeach health care fraud, together with the False Claims, False Statements, and the Mail and Wire Fraud Acts, and explains the basics of the offenses, accessible defenses, and penalties valid under each statute. It also gives an indication of federal and state government agencies' pains to examine and take legal action against health care fraud.
Outline
Introduction
Statutes and Provisions Specifically Enacted to Address Medicare and Medicaid Fraud
Medicaid False Claims Statute
Penalties
Medicaid Anti-Kickback Statute
Sale of Physician Practices, Practitioner Recruitment and Obstetrical Malpractice Insurance Subsidies
Contracts for Space, Equipment, Personal Services and Employment
Advertisements and Promotions
Referral Services
Relationships Between Providers
Arrangements Between Providers and Health Plans
Relationships Between Providers and Suppliers
Prosecuting Health Care Fraud With General Federal Statutes
False Claims Act
False Statements
Mail and Wire Fraud
Conclusion
From the Paper
"An added safe harbor permits health plans with accords with CMS or a state health care program to give care for beneficiaries to augment coverage, decrease cost sharing amounts, or decrease premium amounts for enrollees under particular conditions. If the proposal is a competitive medical plan, health maintenance organization plan, prepaid health plan or any other plan with a contract with CMS or a state health care program, it has got to offer identical augmented coverage or reduced cost-sharing or payments to all Medicare or state health program enrollees unless CMS or the state endorses otherwise."
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Health Insurance Fraud, 2002.
An examination of government efforts to curb Medicare and Medicaid insurance fraud.
7,463 words (approx. 29.9 pages), 21 sources, APA, AU$ 213.95
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Abstract
This paper critically evaluates the statutes purposely passed to tackle Medicare and Medicaid insurance fraud. It evaluates the fundamentals, penalties, defenses, and safe harbor provisions for each and every statute, and concludes with a discussion of accessible legal safe harbor provisions. It discusses the wide-ranging federal statutes employed to impeach health care fraud, together with the False Claims, False Statements, and Mail and Wire Fraud Acts and explains the basics of the offenses, accessible defenses, and penalties valid under each statute. It also gives an indication of federal and state government agencies' pains to examine and take legal action against health care fraud.
Outline
Introduction
Statutes and Provisions Specifically Enacted to Address Medicare and Medicaid Fraud
Sale of Physician Practices, Practitioner Recruitment and Obstetrical Malpractice Insurance Subsidies
Contracts for Space, Equipment, Personal Services and Employment
Advertisements and Promotions
Referral Services
Relationships Between Providers
Arrangements Between Providers and Health Plans
Relationships Between Providers and Suppliers
Prosecuting Health Care Fraud with General Federal Statutes
Conclusion
From the Paper
"Individuals and organizations licensed by Department of Health and Human Services ("HHS") to accept imbursement under the Social Security Act may focus on Medicare and Medicaid fraud examinations (7). Persons, as well as organizations comprise nursing and rehabilitation centers, hospitals, Health Maintenance Organizations ("HMOs"), intermediate carriers for example private and public clinics, private insurance companies, durable medical equipment ("DME") providers, medical laboratories, physician practice groups, physicians, as well as other certified health care organizations (7)."
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Life Insurance as an Estate Planning Tool, 1990.
This paper discusses life insurance as an estate planning tool: Role of life insurance, various types of insurance available, and pro and con arguments related to each.
1,350 words (approx. 5.4 pages), 5 sources, AU$ 61.95
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From the Paper
"The focus of this paper is life insurance as an estate planning tool. The paper examines the role of life insurance, various types of insurance available, and pro and con arguments related to each, where applicable.
The term estate planning in its broadest sense encompasses the accumulation, conservation, and distribution of an estate. The overall purpose of the estate planning process is to develop a plan that will enhance and maintain the financial security of individuals and their families. Estate planning includes increases in the estate as well as the conservation of existing assets.
Estate planning in the narrow sense of protecting an existing estate has three fundamental objectives. The first objective is to reduce the cost of estate transfer. The second ... "
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Special Day Insurance, 2004.
This paper discusses the insurance industry and presents a business plan for a new coverage, ?Special Day? insurance.
5,555 words (approx. 22.2 pages), 8 sources, MLA, AU$ 175.95
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Abstract
This paper explains that most policies refer to one person as the ?named insured?; the entire insurance policy covers this person and the liabilities of this person, and nothing else. The author creates a new coverage, a special day insurance, which will protect the insurer when he organizes some of his own special days, such as birthdays, weddings, wedding anniversaries, public holidays, and celebrations of any nature; the only requirement will be that the function will have to be legal, and the insurance cover will lapse the moment any illegal activities are performed. The paper outlines the business plan including the marketing strategy for this sort of policy, through the media and sold through independent agents.
Table of Contents
Introduction
It has to be an Individual Policy
Insurance is a Dynamic Business
Purpose of the Insurance
How the Buyer Will Buy the Insurance
Advantages and Disadvantages of the Insurance
Potential Buyers and Reasons for Purchase
Similar Products
Pricing Strategy
Marketing Strategy
Promotional Plan
Potential Profits
Risks to the Seller
Administrative and Other Support Needed
Conclusion
From the Paper
"There are many examples how the insurance companies get around the problems of providing payments for the damages caused to those who are non-insured. This happens because the price of insurance has to be kept very low due to the competitive nature of the business. Let us take an example from the auto insurance business. Here in some cases, only the named insured has to give permission to others for the use of the vehicle. Here the definition of the person who is permitted is given as ?Anyone else while using with your permission a covered auto you own hire or borrow?. The definition of the ?you? has also been given. ?Throughout this policy the words ?you? and ?your? refer to the Named Insured shown in the Declarations.? This may create quite a confusing situation. If there is a vehicle, which has the owner as ?Bradley Inc? and that entity is the named insured."
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Canadian Insurance Indusry, 2002.
A case comparison and contrast of Metropolitan General Insurance and People's Insurance Company of Canada (PICC).
2,400 words (approx. 9.6 pages), 2 sources, AU$ 115.95
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Abstract
This paper examines two case studies in the insurance industry. One involves a branch with declining sales in an otherwise healthy company and another the establishment of an insurance company by a major bank. Both cases exhibit leadership and, consequently, employee motivation problems.
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State Children's Health Insurance Plan, 2008.
An examination of State Children's Health Insurance Plan (S-CHIP); the legislation that allows states in the US to provide health insurance to more children from working class families.
8,985 words (approx. 35.9 pages), 15 sources, APA, AU$ 243.95
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Abstract
This paper discusses the problems of the number of people in the United States who cannot afford health insurance. It specifically looks at the effects of under-insurance or lack of insurance for children. The paper then discusses and analyzes S-CHIP (State Children's Health Insurance Plan), the legislation that allows states in the US to provide health insurance to more children from working class families. The paper contains tables.
Table of Contents:
Introduction
Methodology
Results
Discussion
Conclusion
From the Paper
"The S-CHIP program has been very successful in helping solve one aspect of the healthcare problem, by providing health insurance to financially disadvantaged children who live above the poverty line. In states with vigorous S-CHIP programs, a huge number of people take advantage of S-CHIP. Other states do not pursue S-CHIP with the same vigor, and have reduced S-CHIP participation. However, every state but Tennessee shows significant numbers of children being assisted by the S-CHIP program. Moreover, state governors and legislators are very supportive of the S-CHIP program, because they have seen the real differences it has made in healthcare access for the financially disadvantaged. In fact, many states have sought to expand their state's S-CHIP eligibility requirements, because of the public response to S-CHIP availability. It is clear that S-CHIP has met its legislative goals and should be continued."
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Taiwanese Health Insurance, 2007.
An in-depth analysis of the Taiwanese health insurance system.
3,069 words (approx. 12.3 pages), 10 sources, MLA, AU$ 116.95
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Abstract
The paper reveals that Taiwan was named the second healthiest country in the world. The paper explains that the most relevant factors that aided Taiwan in gaining this title were economic growth and a great emphasis on the environment and the population's health. The paper discusses how the National Health Insurance is the most important key in the country's achievements in health. The paper examines the changes that influenced the insurance system and the current features of the insurance system. The paper points out that although some say they do not apply fair prices, the Bureau of National Health Insurance is viewed as the primary cause for improvements in the Taiwanese healthcare system.
Outline:
Abstract
History of Taiwanese Health Insurance
Types of Insurances
Changes That Influenced the Insurance System
Current Features of the Insurance System in Taiwan
Health Insurances in the Private and Public Sectors
Statistics on the Bureau of National Health Insurance
Future Goals of the BNHI
Conclusions
From the Paper
"Taiwan is rather small sized country, however it is densely populated. Its 23 million inhabitants are concentrated on 36,000 square kilometers. "Often called the "Taiwan Miracle", in 1980s and 1990s, the country's economy grew at a rate of 7.64%. Health status of the people in Taiwan, as measured by the common indicators, is close to those of developed countries: life expectancy at birth is of 74.9 years and the infant mortality rate is 6.5 per 1000 live births. These comparable health outcomes with developed countries are achieved with only modest spending in health care, 6.0% of the Gross Domestic Product in 1998.""
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Vaccination Patterns and Insurance Coverage, 2006.
An analysis of the article 'Associations Between Childhood Vaccination Coverage Insurance Type And Breaks In Health Insurance' by Smith, Stevenson and Chu.
900 words (approx. 3.6 pages), 1 source, AU$ 45.95
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Abstract
This journal article analysis examines an article entitled 'Associations Between Childhood Vaccination Coverage Insurance Type And Breaks In Health Insurance' by Smith, Stevenson and Chu (2006). The authors attempt to identify trends if any in relationships between vaccination patterns insurance coverage as well as insurance types in children. This analysis concludes that the authors have not contributed any original research and based their hypothesis on a faulty sampling methodology based on survey results that they didn't undertake themselves.
From the Paper
"These authors also sought to determine if race or ethnicity factor into these vaccination patterns as well. The researchers rely predominantly on a survey of 8324 children who were surveyed by the National Immunization Survey who were also covered by some type of insurance program be it Medicaid or state sponsored coverage as well as private insurance policies. The survey also included children who were not covered at the time of the survey or who, at some point in time prior to the survey, left temporarily without insurance coverage. "
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