nearly two decades, organizational failures are considered as an effective source of promoting organizational learning. error management culture in the organization is established as a mechanism to facilitate organizational learning from errors that improves long-term and sustainable innovation and organizational performance. the main objective of this study is to investigate the relation betwe...

BACKGROUND Under the Affordable Care Act (ACA), millions of Americans have been enrolling in the health insurance marketplaces. Nearly 20% of them are tobacco users. As part of the ACA, tobacco users may face up to 50% higher premiums that are not eligible for tax credits. Tobacco users, along with the uninsured and racial/ethnic minorities targeted by ACA coverage expansions, are among those m...

In Brazilian health insurance sector, the fee-for-service model still remains the major payment method for health services, and predominates in the relationship between hospitals and private health insurance companies. After the creation of Health Insurance Qualification Program (HIQP), which focuses on the quality of the assistance given to consumers, the health insurance companies will be eva...

the purchase of insurance may cause the insureds to increase the costs of insurance companies, compared to their estimation of costs. if after the demand of insurance services, the loss ratio of insurance companies increases because of consumer behavior, moral hazard will be evident. in this paper, after introducing the literature, the presence of moral hazard in iran insurance company is teste...

asymmetric information in iran’s insurance market: case study for automobile insurance in iran insurance companythis research aims to test the presence of asymmetric information by using the dynamic information of automobile policyholders in the iran insurance company (iic). the conditional independence test is conducted by bivariate probit model, the dynamic properties which are presented for ...