发布求助
文献互助 智能选刊 最新文献

Journal of insurance medicine (New York, N.Y.)最新文献

筛选
英文 中文
Special Needs Insurance: More Stability for a Growing Family's Budget. 特殊需要保险:增加家庭预算的稳定性。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-11-01 DOI: 10.17849/insm-49-s1-1-31.1
David Morel
{"title":"Special Needs Insurance: More Stability for a Growing Family's Budget.","authors":"David Morel","doi":"10.17849/insm-49-s1-1-31.1","DOIUrl":"https://doi.org/10.17849/insm-49-s1-1-31.1","url":null,"abstract":"<p><strong>Objective.—: </strong>To propose an insurance product called special needs insurance. The insurance will pay parents a lump sum up to $100,000 if they have a child that is born with or develops a special needs condition such as Down syndrome, cerebral palsy or autism.</p><p><strong>Background.—: </strong>Raising a child is expensive; raising a child with a special need can be hundreds of thousands of dollars more expensive. These additional costs include direct costs that are not covered by health insurance and indirect costs such as the loss of earnings when a working parent must tend to a special needs child.</p><p><strong>Method.—: </strong>We analyze a gamut of birth and early childhood disabilities, both physical and cognitive, from the medico-actuarial perspective. We describe each condition using relevant medical literature and calculate prevalence rates from epidemiological studies (appendix A1-A15). After accounting for multiple births, we develop a final premium.</p><p><strong>Results.—: </strong>We find that physical impairments are sufficiently well understood to guarantee a fixed payout, whereas cognitive impairments such as autism are less understood, and so for these we propose a cognitive fund that does not guarantee a fixed payout. We find that an average single premium of $4,600 allows the insurer to profitably pay out the proposed benefits.</p><p><strong>Conclusions.—: </strong>Raising a special needs child can put a significant strain on the affected family's budget. We propose an insurance product that provides relief through a large lump sum payout. Although no new insurance product can be guaranteed success, our analysis of this product gives an interested insurer reasonable justification to take on this new risk.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-11-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39632319","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
COVID-19 and Mental Health: Should We Expect an Increase in Disability? COVID-19与心理健康:我们应该期待残疾人数增加吗?
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-03-30 DOI: 10.17849/insm-49-1-1-8.1
Timothy Meagher
{"title":"COVID-19 and Mental Health: Should We Expect an Increase in Disability?","authors":"Timothy Meagher","doi":"10.17849/insm-49-1-1-8.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-1-8.1","url":null,"abstract":"<p><p>Disability due to mental health disorders has been increasing in many countries over the past years. The COVID-19 pandemic may worsen this trend because of 3 different, and at times overlapping, pathways. This article describes each pathway, and by drawing on the experience of previous coronavirus epidemics and recent recessions, attempts to estimate the likelihood that claims due to mental health disorders will increase.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"25530746","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Indiscriminate Musings. 不加思考。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-03-30 DOI: 10.17849/insm-49-1-1-2.1
Timothy J. Meagher
{"title":"Indiscriminate Musings.","authors":"Timothy J. Meagher","doi":"10.17849/insm-49-1-1-2.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-1-2.1","url":null,"abstract":"","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44494675","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
JIM Reading List. JIM阅读列表。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-01-01 DOI: 10.17849/insm-49-1-54-59.1
{"title":"JIM Reading List.","authors":"","doi":"10.17849/insm-49-1-54-59.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-54-59.1","url":null,"abstract":"","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45432001","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Navigating a Pandemic: The Unique Role of the Medical Director. 导航大流行:医学主任的独特角色。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-01-01 DOI: 10.17849/insm-49-01-04
Timothy Meagher, Gina Guzman, Bradley Heltemes, Alban Senn, Steven Wiseman, Andreas Armuss, Yi Wang
{"title":"Navigating a Pandemic: The Unique Role of the Medical Director.","authors":"Timothy Meagher,&nbsp;Gina Guzman,&nbsp;Bradley Heltemes,&nbsp;Alban Senn,&nbsp;Steven Wiseman,&nbsp;Andreas Armuss,&nbsp;Yi Wang","doi":"10.17849/insm-49-01-04","DOIUrl":"https://doi.org/10.17849/insm-49-01-04","url":null,"abstract":"<p><p>The sudden emergence of the COVID-19 pandemic in early 2020 presented a unique challenge for medical directors of life insurance companies. Company leadership required quick answers about many issues, but two in particular: 1) the magnitude of the pandemic's impact on the insured lives portfolio and 2) the underwriting of new applicants during a pandemic. This article will describe the experiences of a global team of reinsurance medical directors during a pandemic. It may also serve to provide guidance for medical directors facing a similar challenge in the future.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"25530745","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
The Swine Flu Pandemic - Should We Be Concerned? 猪流感大流行--我们应该担心吗？
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-01-01 DOI: 10.17849/insm-49-1-46-50.1
Ross MacKenzie
{"title":"The Swine Flu Pandemic - Should We Be Concerned?","authors":"Ross MacKenzie","doi":"10.17849/insm-49-1-46-50.1","DOIUrl":"10.17849/insm-49-1-46-50.1","url":null,"abstract":"<p><p>As I write this review, we are in the midst of the 2009 influenza A (H1N1) pandemic. The extent and impact of this pandemic is still unknown. Although daily reports on confirmed cases and deaths provide a constant stream of detailed information, it is not possible to predict with any degree of precision the impact the outbreak will have in society in general or on the life insurance industry in particular.1 The epidemiology of such disease outbreaks has been likened to a jigsaw puzzle, and we are now at the stage where the picture is intriguing even if we are not sure what we are seeing.2.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"38886805","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Memories of Dr Gordon R Cumming: March 2, 1929 - July 18, 2020. 戈登·R·卡明博士的回忆:1929年3月2日至2020年7月18日。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-01-01 DOI: 10.17849/insm-49-1-51-53.1
R. MacKenzie
{"title":"Memories of Dr Gordon R Cumming: March 2, 1929 - July 18, 2020.","authors":"R. MacKenzie","doi":"10.17849/insm-49-1-51-53.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-51-53.1","url":null,"abstract":"","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43142407","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Insurance and Epidemics: SARS, West Nile Virus and Nipah Virus. 保险与流行病:SARS、西尼罗病毒和尼帕病毒。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-01-01 DOI: 10.17849/insm-49-1-37-45.1
Jan von Overbeck
{"title":"Insurance and Epidemics: SARS, West Nile Virus and Nipah Virus.","authors":"Jan von Overbeck","doi":"10.17849/insm-49-1-37-45.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-37-45.1","url":null,"abstract":"<p><p>Severe acute respiratory syndrome (SARS) reminds us that sudden disease emergence is a permanent part of our world-and should be anticipated in our planning. Historically the emergence of new diseases has had little or no impact beyond a small, localized cluster of infections. However, given just the right conditions, a highly virulent pathogen can suddenly spread across time and space with massive consequences, as has occurred on several occasions in human history. In the wake of the SARS outbreak, we are now forced to confront the unpleasant fact that human activities are increasing the frequency and severity of these kinds of emergences. The idea of more frequent biological ''invasions'' with economic and societal impacts comparable to SARS, presents stakeholders in the global economy with unprecedented new risks, challenges and even opportunities. As a major contributor to economic stability, the insurance industry must follow these trends very closely and develop scenarios to anticipate these events.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"38886802","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Journal's Best-Laid Plans During a Pandemic. 《华尔街日报》在大流行病期间的最佳计划。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-01-01 DOI: 10.17849/0743-6661-49.1.1
R. MacKenzie
{"title":"The Journal's Best-Laid Plans During a Pandemic.","authors":"R. MacKenzie","doi":"10.17849/0743-6661-49.1.1","DOIUrl":"https://doi.org/10.17849/0743-6661-49.1.1","url":null,"abstract":"","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49408717","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Impact of AIDS/HIV on Medical Directors. 艾滋病/艾滋病毒对医务主任的影响。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-01-01 DOI: 10.17849/insm-49-1-32-36.1
David G Underwood
{"title":"Impact of AIDS/HIV on Medical Directors.","authors":"David G Underwood","doi":"10.17849/insm-49-1-32-36.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-32-36.1","url":null,"abstract":"<p><p>The decade of AIDS/HIV has changed the way insurance medicine is practiced by medical directors. One director details some of these changes.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"38886804","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
首页 上一页 下一页 尾页
0
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整，为了账户安全，请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
现在去查看 取消
×
提示
确定
请完成安全验证×
相关产品
×
本文献相关产品
联系我们：info@booksci.cn Book学术提供免费学术资源搜索服务，方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号：481959085
Book学术官方微信