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Full-Text Articles in Insurance

Social Health Insurance Coverage And Financial Protection Among Rural-To-Urban Internal Migrants In China: Evidence From A Nationally Representative Cross-Sectional Study, Wen Chen, Qi Zhang, Andre M. N. Renzaho, Fangjing Zhou, Hui Zhang, Li Ling Jan 2017

Social Health Insurance Coverage And Financial Protection Among Rural-To-Urban Internal Migrants In China: Evidence From A Nationally Representative Cross-Sectional Study, Wen Chen, Qi Zhang, Andre M. N. Renzaho, Fangjing Zhou, Hui Zhang, Li Ling

Community & Environmental Health Faculty Publications

INTRODUCTION: Migrants are a vulnerable population and could experience various challenges and barriers to accessing health insurance. Health insurance coverage protects migrants from financial loss related to illness and death. We assessed social health insurance (SHI) coverage and its financial protection effect among rural-to-urban internal migrants (IMs) in China.

METHODS: Data from the '2014 National Internal Migrant Dynamic Monitoring Survey' were used. We categorised 170 904 rural-to-urban IMs according to their SHI status, namely uninsured by SHI, insured by the rural SHI scheme (new rural cooperative medical scheme (NCMS)) or the urban SHI schemes (urban employee-based basic medical insurance (UEBMI ...


Insurance Against Extreme Events: Pairing Short-Term Incentives With Long-Term Strategies, Howard Kunreuther Oct 2016

Insurance Against Extreme Events: Pairing Short-Term Incentives With Long-Term Strategies, Howard Kunreuther

Penn Wharton Public Policy Initiative

Consumers tend to purchase too little insurance or purchase it too late. Consequently, taxpayers wind up bearing substantial burdens for paying reconstruction costs from extreme events. The 2005 and 2012 hurricane seasons alone cost taxpayers nearly $150 billion. There is much that can be done to better facilitate the role that insurance can play in addressing losses from extreme events, both natural and man-made.


Health Insurance Co-Ops: Product Availability And Premiums In Rural Counties, Erika C. Ziller Phd, Zach T. Croll Ba, Andrew F. Coburn Phd Oct 2016

Health Insurance Co-Ops: Product Availability And Premiums In Rural Counties, Erika C. Ziller Phd, Zach T. Croll Ba, Andrew F. Coburn Phd

Access / Insurance

Created by the Affordable Care Act (ACA), Consumer Operated and Oriented Plans (CO-OPs) are private, non-profit health insurers that were designed to increase insurance plan choice and lower premiums in the Health Insurance Marketplaces. Early analyses of the ACA suggested that CO-OPs may be particularly beneficial for rural communities, where fewer individual and small group health insurance options have traditionally been available.

This Research and Policy Brief, authored by research staff at the Maine Rural Health Research Center, explores the early availability and role of CO-OPs in rural and urban counties. We describe the regional distribution and market prevalence of ...


Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards Jul 2016

Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards

William Edwards

Some Iowa corn and soybean producers are facing substantial if not complete crop losses due to flooding. In particular, many acres of crops in the Missouri River Valley have been under water for a month or more this year. Fortunately, nearly 90 percent of Iowa’s corn and soybean acres are protected by multiple peril crop insurance.


Insurance Coverage For Drought-Damaged Crops, William M. Edwards Jul 2016

Insurance Coverage For Drought-Damaged Crops, William M. Edwards

William Edwards

Nearly 90 percent of the corn and soybean acres in Iowa are covered by multiple peril crop insurance. Drought damage is an insurable loss under these policies. Producers should consult with their crop insurance agents before harvesting or destroying any drought-damaged crops, however.


Important Crop Insurance Dates, William M. Edwards Jul 2016

Important Crop Insurance Dates, William M. Edwards

William Edwards

Even the best crop insurance plan is of little use if the right information is not collected and submitted on time. Likewise, if certain actions are not completed by the necessary date, producers may not receive full benefit from the risk protection that they have selected.


Insurance Coverage For Drought-Damaged Crops, William M. Edwards Jul 2016

Insurance Coverage For Drought-Damaged Crops, William M. Edwards

William Edwards

Nearly 90 percent of the corn and soybean acres in Iowa are covered by multiple peril crop insurance. Drought damage is an insurable loss under these policies. Producers should consult with their crop insurance agents before harvesting or destroying any drought-damaged crops, however.


Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards Jul 2016

Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards

William Edwards

Some Iowa corn and soybean producers are facing substantial if not complete crop losses due to flooding. In particular, many acres of crops in the Missouri River Valley have been under water for a month or more this year. Fortunately, nearly 90 percent of Iowa’s corn and soybean acres are protected by multiple peril crop insurance.


Important Crop Insurance Dates, William M. Edwards Jul 2016

Important Crop Insurance Dates, William M. Edwards

William Edwards

Even the best crop insurance plan is of little use if the right information is not collected and submitted on time. Likewise, if certain actions are not completed by the necessary date, producers may not receive full benefit from the risk protection that they have selected.


Early Planted Acres May Lose Replant Insurance, William M. Edwards Jul 2016

Early Planted Acres May Lose Replant Insurance, William M. Edwards

William Edwards

Unusually warm and dry weather has allowed crop producers to start spring field work earlier than can be remembered by most people. Getting an early start on tillage and planting reduces the risk of getting behind schedule later if an extended period of rainy weather occurs, but it also has its risks. The Risk Management Agency (USDA) has some specific rules about early planted crops with regard to crop insurance coverage. For each insurable crop RMA has set an “early planting date.” The earliest planting dates allowed for counties in the state of Iowa are April 11 for corn and ...


Insurance Coverage For Drought-Damaged Crops, William M. Edwards Jul 2016

Insurance Coverage For Drought-Damaged Crops, William M. Edwards

William Edwards

Nearly 90 percent of the corn and soybean acres in Iowa are covered by multiple peril crop insurance. Drought damage is an insurable loss under these policies. Producers should consult with their crop insurance agents before harvesting or destroying any drought-damaged crops, however.


Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards Jul 2016

Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards

William Edwards

Some Iowa corn and soybean producers are facing substantial if not complete crop losses due to flooding. In particular, many acres of crops in the Missouri River Valley have been under water for a month or more this year. Fortunately, nearly 90 percent of Iowa’s corn and soybean acres are protected by multiple peril crop insurance.


Important Crop Insurance Dates, William M. Edwards Jul 2016

Important Crop Insurance Dates, William M. Edwards

William Edwards

Even the best crop insurance plan is of little use if the right information is not collected and submitted on time. Likewise, if certain actions are not completed by the necessary date, producers may not receive full benefit from the risk protection that they have selected.


Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards Jul 2016

Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards

William Edwards

Some Iowa corn and soybean producers are facing substantial if not complete crop losses due to flooding. In particular, many acres of crops in the Missouri River Valley have been under water for a month or more this year. Fortunately, nearly 90 percent of Iowa’s corn and soybean acres are protected by multiple peril crop insurance.


Insurance Coverage For Drought-Damaged Crops, William M. Edwards Jul 2016

Insurance Coverage For Drought-Damaged Crops, William M. Edwards

William Edwards

Nearly 90 percent of the corn and soybean acres in Iowa are covered by multiple peril crop insurance. Drought damage is an insurable loss under these policies. Producers should consult with their crop insurance agents before harvesting or destroying any drought-damaged crops, however.


Insurance Coverage For Drought-Damaged Crops, William M. Edwards Jul 2016

Insurance Coverage For Drought-Damaged Crops, William M. Edwards

William Edwards

Nearly 90 percent of the corn and soybean acres in Iowa are covered by multiple peril crop insurance. Drought damage is an insurable loss under these policies. Producers should consult with their crop insurance agents before harvesting or destroying any drought-damaged crops, however.


Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards Jul 2016

Flood Damaged Crops, Crop Insurance Payments And Lease Contracts, William M. Edwards

William Edwards

Some Iowa corn and soybean producers are facing substantial if not complete crop losses due to flooding. In particular, many acres of crops in the Missouri River Valley have been under water for a month or more this year. Fortunately, nearly 90 percent of Iowa’s corn and soybean acres are protected by multiple peril crop insurance.


Early Planted Acres May Lose Replant Insurance, William M. Edwards Jul 2016

Early Planted Acres May Lose Replant Insurance, William M. Edwards

William Edwards

Unusually warm and dry weather has allowed crop producers to start spring field work earlier than can be remembered by most people. Getting an early start on tillage and planting reduces the risk of getting behind schedule later if an extended period of rainy weather occurs, but it also has its risks. The Risk Management Agency (USDA) has some specific rules about early planted crops with regard to crop insurance coverage. For each insurable crop RMA has set an “early planting date.” The earliest planting dates allowed for counties in the state of Iowa are April 11 for corn and ...


From Offline To Online: How Health Insurance Policies Drive The Demand For Online Healthcare Service?, Yue Yu, Qiu-Yan Mei, Qiu-Hong Wang Jul 2016

From Offline To Online: How Health Insurance Policies Drive The Demand For Online Healthcare Service?, Yue Yu, Qiu-Yan Mei, Qiu-Hong Wang

Research Collection School Of Information Systems

Online healthcare service has gradually become a significant part of healthcare services, especially in emerging economy with shortage in medical resources and wide coverage in the Internet usage. This paper studies how health insurance policies affect the demand for online healthcare consultation by using longitudinal online healthcare and offline medical services datasets of a major city in China. The two policies we study are the integration of health insurance systems in urban and rural regions and the integration of health insurance systems between pairwise-cities. The empirical results show that both policies significantly affected the demand for online consultation. Our study ...


An Appraisal Of The Actuaries’ Climate Risk Index, Stephen Lee Kolk May 2016

An Appraisal Of The Actuaries’ Climate Risk Index, Stephen Lee Kolk

May 18, 2016: The Economic Impacts of Sea-Level Rise in Hampton Roads

PDF of powerpoint presentation given at the workshop "The Economic Impacts of Sea-Level Rise in Hampton Roads: An Appraisal of the Projects Underway" on May 18, 2016 at the Virginia Modeling and Simulation Center, 1030 University Blvd, Suffolk, VA 23435


Essays On Household Health Expenditures, National Health Insurance And Universal Access To Health Care In Ghana, Evelyn Kwakye Jan 2016

Essays On Household Health Expenditures, National Health Insurance And Universal Access To Health Care In Ghana, Evelyn Kwakye

Doctoral Dissertations

Access to quality health services is essential for maintaining a healthy population and economic development hence the growing global consensus that universal health coverage is necessary. Ghana attempts to expand access by making basic health services free at the point of delivery through its National Health Insurance Scheme (NHIS). Prior studies indicate NHIS increases demand for health services, but questions remain about its impact on out of pocket payments, quality of services, and the financial viability of the program. Hence, this dissertation analyzes the financial risk in health care seeking, the effect of NHIS on out of pocket payments and ...


Rural Disabled Medicare Beneficiaries Spend More Out-Of-Pocket Than Their Urban Counterparts, Erika C. Ziller Phd, Jennifer D. Lenardson Mhs, Andrew F. Coburn Phd Nov 2015

Rural Disabled Medicare Beneficiaries Spend More Out-Of-Pocket Than Their Urban Counterparts, Erika C. Ziller Phd, Jennifer D. Lenardson Mhs, Andrew F. Coburn Phd

Access / Insurance

The majority of Medicare beneficiaries experience gaps between the care they need and costs covered by Medicare and seek supplemental coverage to meet this gap, including private plans offered by former employers or purchased individually, or public coverage through Medicaid. Since rural beneficiaries are more likely to purchase supplemental indemnity coverage individually, to participate in Medicaid, or to go without supplemental coverage altogether, it is likely that their out-of-pocket spending differs from that of urban residents, although the magnitude and direction of these differences may vary for individual beneficiaries. This study used data from the 2006-2010 Medical Expenditure Panel Survey ...


Ssdi Reform: Promoting Return To Work Without Compromising Economic Security, Jagadeesh Gokhale Sep 2015

Ssdi Reform: Promoting Return To Work Without Compromising Economic Security, Jagadeesh Gokhale

Penn Wharton Public Policy Initiative

With the Social Security Disability Insurance (SSDI) trust fund on the verge of depletion, Congress must enact structural reforms to the SSDI program that address and counter the rapid growth in SSDI enrollments in recent years. This brief details a work incentive program for SSDI beneficiaries, called the Generalized Benefit Offset (GBO), which would help get SSDI recipients back into the labor force, enhancing their own economic welfare while increasing economic output on a societal level.


What Drives Households To Buy Flood Insurance? Evidence From Georgia, Ajita Atreya, Susana Ferreira, Erwann Michel-Kerjan Sep 2015

What Drives Households To Buy Flood Insurance? Evidence From Georgia, Ajita Atreya, Susana Ferreira, Erwann Michel-Kerjan

Finance Papers

Benefiting from access to detailed data on the federally run National Flood Insurance Program for the entire state of Georgia, USA, we analyze residential flood insurance purchasing behavior in that state over more than three decades (1978–2010). The demand for flood insurance on an extensive margin, based on take-up rates, is found to be relatively price inelastic. Aligned with the behavioral economics literature, recent flood events temporarily increase purchases, but this effect fades after 3 years. We also find that the proportion of developed area in floodplains has a significant positive impact on insurance take-up rates. Contrary to what ...


Behavioral Economics And Insurance: Principles And Solutions, Howard Kunreuther, Mark V. Pauly Phd Aug 2015

Behavioral Economics And Insurance: Principles And Solutions, Howard Kunreuther, Mark V. Pauly Phd

Health Care Management Papers

It is easy for a consumer to make mistakes in insurance markets, especially when deciding whether to purchase insurance against low-probability, high-consequence (LP-HC) events. They have a hard time collecting and processing information to determine the likelihood and consequences of these risks which (by definition) they have had limited or no experience. Hence, people often rely on feelings and intuition rather than careful thought when it comes time to decide what coverage to purchase.


Giving A Voice To The Powerless: Participatory Monitoring & Evaluation As A Tool For Inclusive Development Through Microfinance, Evan T. Burke Aug 2015

Giving A Voice To The Powerless: Participatory Monitoring & Evaluation As A Tool For Inclusive Development Through Microfinance, Evan T. Burke

Capstone Collection

The greatest experts on the situation of the marginalized peoples of the world are the marginalized communities themselves. This paper explores how participatory monitoring & evaluation can be a powerful tool for giving voices to marginalized communities, ensuring that the voices of beneficiaries and local stakeholders are heard and inform sustainable project design. It analyzes a participatory monitoring and evaluation methodology implemented for women’s credit cooperatives in Gujarat, India by the Human Development & Research Centre, and examines lessons to be learned to design evaluations facilitating inclusive development.

Strategies for the monitoring and evaluation of microfinance have evolved along with the ...


Boom Times For Crop Insurance, Bruce A. Babcock Jul 2015

Boom Times For Crop Insurance, Bruce A. Babcock

Iowa Ag Review

Crop farmers are enjoying record high profi ts because of dramatically higher market prices. Farmers’ increased demand for land, seed, fertilizer, and machinery has resulted in higher prices and profi ts for sellers of these inputs as well. One industry that is also enjoying the higher crop prices is the crop insurance industry. It benefits from higher prices because the formulas used to determine industry revenue automatically generate higher expected subsidies as crop prices rise. Actual subsidies depend in part on crop losses, but administrative and operating subsidies are directly tied to crop prices. Figure 1 shows how total industry ...


Corn Belt Contributions To The Crop Insurance Industry, Bruce A. Babcock Jul 2015

Corn Belt Contributions To The Crop Insurance Industry, Bruce A. Babcock

Iowa Ag Review

The crop insurance industry enjoyed another banner year in 2007, collecting $6.5 billion in premiums yet paying out only $3.2 billion in losses. I estimate that the industry will collect a record $2.8 billion from taxpayers. In contrast, the net amount that farmers received from the program in 2007 was only $750 million. Interestingly, since the beginning of this decade, the $11.3 billion in net payments to farmers (indemnities received minus farmer-paid premiums) is about equal to the amount that taxpayers have paid the industry ($11.1 billion). Overall, taxpayers have spent more than $22 billion ...


Drought Tolerance And Risk In The U.S. Crop Insurance Program, Bruce A. Babcock, Tian Yu Jul 2015

Drought Tolerance And Risk In The U.S. Crop Insurance Program, Bruce A. Babcock, Tian Yu

Iowa Ag Review

Are farmers paying too much for crop insurance? It sure seems so, at least in the Corn Belt. With the exception of 2008 when a large drop in price triggered payments, Corn Belt farmers have generally paid more into the program than they have gotten out, despite Congress’s intention that farmers get at least two dollars for each dollar they pay into the program.


Examining The Health Of The U.S. Crop Insurance Industry, Bruce A. Babcock Jul 2015

Examining The Health Of The U.S. Crop Insurance Industry, Bruce A. Babcock

Iowa Ag Review

In late September the Risk Management Agency (RMA) of USDA released the results of commissioned studies that calculated the rate of return that U.S. crop insurance companies have received from selling multi-peril crop insurance (MPCI). Since 2000, the average annual rate of return on equity has been 19 percent. The study also estimated that a reasonable rate of return over the same time period for this line of business would be about 11 percent. One straightforward interpretation of this difference is that since 2000, the crop insurance industry has received a rate of return that is 72 percent higher ...