Insurance
hideInsurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.
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News tagged with insurance
Making Climate Forecasts More Useful to Farmers
7 hours ago |
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(PhysOrg.com) -- Climate forecasts are becoming more useful to farmers and ranchers, thanks to research by Agricultural Research Service (ARS) scientists and their cooperators.
Landmark health bill passes House on close vote
Nov 08, 2009 |
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(AP) -- The Democratic-controlled House narrowly passed far-reaching health care legislation, handing President Barack Obama a hard-won victory on his chief domestic priority though the road ahead in the ...
Higher health insurance costs force doctors to talk about money with patients
Nov 05, 2009 |
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As health insurers require people to base more treatment decisions on out-of-pocket costs, physicians should learn to talk to patients about money, according to researchers at Wake Forest University School of Medicine.
Health care dispute: Costs of defensive medicine
Nov 04, 2009 |
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(AP) -- Dr. James Wang says he tries to tell his patients when extra medical procedures aren't necessary. If they insist, though, he will do it - not so much to protect their health as his own practice.
The cost of improving dialysis care
Nov 02, 2009 |
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Improving survival among dialysis patients may increase treatment costs significantly, according to a paper being presented at the American Society of Nephrology's 42nd Annual Meeting and Scientific Exposition in San Diego, ...
House Dems unveil health bill
Oct 29, 2009 |
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(AP) -- Cheered by President Barack Obama, House Democrats rolled out landmark legislation Thursday to extend health care to tens of millions who lack coverage, impose sweeping new restrictions on the insurance ...
Lack of insurance may have figured in nearly 17,000 childhood deaths, study shows
Oct 29, 2009 |
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Lack of health insurance might have led or contributed to nearly 17,000 deaths among hospitalized children in the United States in the span of less than two decades, according to research led by the Johns Hopkins Children's ...
Senate health care bill to include public option (Update)
Oct 26, 2009 |
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(AP) -- Health care legislation heading for the Senate floor will give millions of Americans the option of purchasing government-run insurance coverage, Majority Leader Harry Reid announced Monday, although ...
IVF insurance coverage yields fewer multiple births, researchers find
Oct 20, 2009 |
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The proportion of in vitro fertilization (IVF) multiple births was lower in the eight states that provide insurance coverage for couples seeking IVF treatment, primarily due to fewer embryos transferred per cycle, Yale School ...
Senate panel OKs middle-of-the-road health plan
Oct 13, 2009 |
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(AP) -- With support from a lone Republican, a key Senate committee Tuesday approved a middle-of-the-road health care plan that moves President Barack Obama's goal of wider and affordable coverage a giant ...
New US law helps ill students keep health coverage
Oct 09, 2009 |
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(AP) -- A federal law inspired by a New Hampshire woman's courage and enacted through her mother's determination took effect Friday, sparing seriously ill or injured college students from having to choose ...
Major health care challenges persist for D.C. children despite high rates of health insurance coverage, study finds
Oct 08, 2009 |
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Despite high rates of health insurance coverage among children in the District of Columbia, children's access to health care is inadequate and poses a significant health problem for the city's young residents, particularly ...
Costs of expanding health care coverage partly offset by future Medicare savings
Oct 05, 2009 |
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Expanding health coverage might not cost as much as policymakers assume.
People playing the odds on health care over costs
Sep 28, 2009 |
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(AP) -- Call it a health care gamble: the decision by some people to opt out of health insurance, paying cash for routine care while playing the odds that an accident or catastrophic illness won't plunge ...
House Democrats considering insurance tax
Sep 25, 2009 |
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(AP) -- House Democrats are considering an insurance tax to help pay for their health care overhaul plan, even though such a funding scheme is bitterly opposed by labor unions that are among the party's most ...
