Guaranteed Annuity Options (GAOs) are options available to holders of certain pension policies. Under these contracts, policyholders contribute premiums into a fund managed by the insurer. At retirement, the policyholders buy life annuities at a guaranteed rate provided by the original insurer, or annuitize with another insurer. If the guaranteed annuity rates are better than the prevailing rat...

This article assesses insurance uptake in three community-based health insurance (CBHI) schemes located in rural parts of two of India's poorest states and offered through women's self-help groups (SHGs). We examine what drives uptake, the degree of inclusive practices of the schemes and the influence of health status on enrolment. The most important finding is that a household's socio-economic...

background: call center sector in india is a relatively new and fast growing industry driving employment and growth in modern india today. most international call centers in national capital region (ncr) of delhi operate at odd work hours corresponding to a time suitable for their international customers. the sleep quality of call handlers employed in these call centers is in jeopardy owing to ...

In practice, in many call centers customers often perform redials (i.e., reattempt after an abandonment) and reconnects (i.e., reattempt after an answered call). In the literature, call center models usually do not cover these features, while real data analysis and simulation results show ignoring them inevitably leads to inaccurate estimation of the total inbound volume. Therefore, in this pap...

AIM To describe the relative impact on survival of the delay from estimated time of collapse to call for an ambulance among patients who suffer from a bystander witnessed out of hospital cardiac arrest of a cardiac aetiology. METHODS A majority of all ambulance organizations in Sweden (covering 85% of Sweden inhabitants) participate in a National survey of out of hospital cardiac arrest. RE...