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
Medicare buy-in plan runs into Senate resistance
Dec 13, 2009 |
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(AP) -- A plan to let people as young as 55 buy into Medicare, heralded as a breakthrough in the Senate's health care debate, ran into resistance Sunday from lawmakers who can make or break Democrats' efforts ...
Cellphone powers back pain chip in Taiwan
Nov 27, 2009 |
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Taiwanese researchers have developed a chip to treat backpain that is powered by mobile phone, a member of the team said Friday.
Understanding the pros and cons of health overhaul
Nov 28, 2009 |
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(AP) -- Maybe you've been reading the health care bill in your spare time. Then perhaps you can answer this question:
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 ...
Canadian woman loses benefits over Facebook photo
Nov 22, 2009 |
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(AP) -- A Canadian woman on long-term sick leave for depression says she lost her benefits because her insurance agent found photos of her on Facebook in which she appeared to be having fun.
Drug ads ineffective for boosting sales, could cost taxpayers: study
Nov 23, 2009 |
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US Taxpayers may be on the hook for the high cost of drug advertising that does little to boost sales, according to a new study led by a University of British Columbia health policy researcher.
Children who lack continuity with a regular health care provider miss needed services
Nov 23, 2009 |
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Low-income children who don't access health care from the same place or provider over the long term are significantly more likely to have unmet health care needs compared with those do, according to a new study published ...
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 ...
Dispensing prescription drugs in 3-month supplies reduces drug costs by a third
Nov 20, 2009 |
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Purchasing prescription drugs in a three-month supply rather than a one-month supply has long been regarded as a way to reduce the cost of drugs for patients and third-party payers. New research from the University ...
New mammogram advice raises questions, concerns
Nov 16, 2009 |
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(AP) -- For many women, getting a mammogram is already one of life's more stressful experiences. Now, women in their 40s have the added anxiety of trying to figure out if they should even be getting one at ...
45,000 excess deaths annually linked to lack of health insurance: study
Sep 17, 2009 |
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A study published online today estimates nearly 45,000 annual deaths are associated with lack of health insurance. That figure is about two and a half times higher than an estimate from the Institute of Medicine (IOM) in ...
Insurers shun those taking certain meds and secretly keep blacklist
Mar 30, 2009 |
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Trying to buy health insurance on your own and have gallstones? You'll automatically be denied coverage. Rheumatoid arthritis? Automatic denial. Severe acne? Probably denied. Do you take Metformin, a popular drug for diabetes? ...
Over 2,200 veterans died in 2008 due to lack of health insurance
Nov 10, 2009 |
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A research team at Harvard Medical School estimates 2,266 U.S. military veterans under the age of 65 died last year because they lacked health insurance and thus had reduced access to care. That figure is ...
Previous work experience not always a positive for a new job
Feb 23, 2009 |
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Employees with previous work experience bring valuable knowledge and skills to their new jobs - but some of what they learned may actually hurt their work performance.
Report concludes uninsured are costly for all
May 28, 2009 |
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(AP) -- The average family with health insurance shells out an extra $1,000 a year in premiums to pay for health care for the uninsured, a new report finds.
