医疗计划中再保险的使用和滥用

IF 0.1 Q4 BUSINESS, FINANCE
H. Mcleod, P. Slattery, A. V. D. Heever
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引用次数: 7

摘要

监管当局对医疗计划使用再保险进行的调查表明,再保险协议存在明显问题,合同给计划成员造成重大损失的情况也很明显。报告显示,在一些情况下,再保险已成为有系统地从医疗计划中消除盈余的渠道。从而破坏了这些计划成员的安全。本文总结了1996年至1999年期间医疗计划使用再保险调查的主要特征。然后,该文件概述了监管当局采取的行动。描述了滥用的具体领域,并讨论了受托人、经纪人、行政管理人和保险公司的行为。这就引出了精算师在设计和实施这些安排时的专业责任问题。关键词:医疗方案;再保险;监管;专业精神,受托人责任。南非精算杂志,2001:95-118
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The use and abuse of reinsurance in medical schemes
An investigation by the regulatory authorities into the use of reinsurance by medical schemes indicated clear problems with reinsurance agreements and cases where the contracts were resulting in substantial losses for members of schemes. It was shown that a number of cases reinsurance had become a conduit for systematically removing surplus from medical schemes. Thus undermining the security of members of those schemes. This paper summarises the key features of the investigation into the use of reinsurance by medical schemes over the period 1996 to 1999. The paper then outlines the actions taken by the regulatory authorities. The specific areas of abuse are described and the conduct of trustees, brokers, administrators and insurance companies is discussed. This leads to the question of the professional responsibilities of actuaries in the design and implementation of these arrangements. KEYWORDS: Medical schemes; reinsurance; regulation; professionalism, trustee responsibility South African Actuarial Journal: 2001 1: 95-118
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South African Actuarial Journal
South African Actuarial Journal BUSINESS, FINANCE-
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