A major policy issue in developing countries is the lack of formal insurance markets. A popular approach to this problem is compulsory social health insurance (SI). The movement towards SI has been motivated not only by the desire to expand insurance coverage, but also by fiscal pressure to shift the burden of delivering and financing health care from the public sector to the private. In this p...

German health care financing is now at the crossroads of fundamental reform. The two main proposals that the new “grand” coalition government must take as its starting point for compromise could hardly be more polarized. The proposal favored by the left, the Bürgerversicherung, a Citizens’ Health Insurance that is compulsory for all, would introduce a new system of proportional taxation, based ...

We illustrate how equilibrium screening models can be used to evaluate the economic consequences of insurance market regulation. We calibrate and solve a model of the United Kingdom's compulsory annuity market and examine the impact of gender-based pricing restrictions. We find that the endogenous adjustment of annuity contract menus in response to such restrictions can undo up to half of the r...

This article deals with the contemporary topic of non-compulsory insurance, which is still controversial among Christians. Some Christians believe that using insurance good, while others think it expresses a lack belief in God or sin. study will show reader Biblical texts encourage prudent provision for more difficult times. The person, who does so, fulfills obligation to perform acts good towa...

In the modern welfare state a substantial part of an individual’s tax bill is transferred back to the same individual taxpayer in the form of social transfers. This provides a rationale for financing part of social insurance through mandatory savings accounts. We analyze the behavioral and welfare effects of compulsory savings accounts in an intertemporal model with uncertainty, endogenous invo...

the problem of compensating victims of traffic accidents is certainly one of the most important problems of a civil liability system. on the other hand, liability insurance is the main financial safeguard for the payment of the compensation of these victims. the old iranian law in this regard was passed on 1968. it had some merits and some inconveniences. it has been replaced by the new law of ...

OBJECTIVE Health insurance provides financial support for health care expenditures. There are two types of health insurance: compulsory and voluntary. Voluntary health insurance can be divided into two categories: self-employed and supplementary. In this study, the main factors that affect the demand for self-employed health insurance in Iran were determined. MATERIALS AND METHODS In this cro...