introductions: due to versatility and wide range of health care services, the social care insurance organizations can not afford undertaking all health care services for the insured. this is why additional services are taken over by private or commercial health care insurance companies. such services are known as complementary insurance. in this study , it was decided to investigate the satisfa...

drawing up the insurance contracts by insurance companies has led to disregard policyholder's rights. this means that insurers by inserting unfair terms in insurance contracts seek to make a contract that they gain special privileges for themselves. jurists as main opponents of injustice regard commitment not to insert unfair terms as one of the insurer's pre-contractual obligations i...

Marine birnavirus (MBVs) infect a wide range of fish and shellfish. Yet their mode of transmission is still unclear. To determine marine plankton serve as a vector for MABVs. The marine birnavirus (MABVs) is a member of Aquabirnavirus and an opportunistic pathogenic form among eukaryotic marine organisms and determine the viral presence in zooplankton as a vector, molecular diagnosis can be use...

Human beings have been in search of security right from nomadic days. The history mankind is a the for security. Man had to face dangers and risk which threatened his very existence. As an individual he would found it difficult combat these external dangers. He therefore started living group, thereby ensuring group cover against possible greatest was course, that death, wild animals, snakes, cr...

one of the most challenging problems in our country insurance industry is the phenomenon of increase of loss pay average time by insurance companies. a lot of research and analysis have been conducted on both the roots and possible solutions for this problem, none of which has had success in annihilating it. this paper presents a discrete model ) nonlinear mathematical model ( of insurance serv...

moral hazards are the result of an expansive range of factors mostly originating in the patients’ roles. the objective of the present study was to investigate patient incentives for moral hazards using the experiences of experts of basic iranian insurance organizations. this was a qualitative research. data were collected through semi-structured interviews. the study population included all exp...

insurance industry is one of the effective factors of developing sustainable agriculture. natural resources that are more pone to influence than other phenomenon such as: drought, there are limited areas under insurance. from 86.4 million hectares of country ranges, there are nearly 3 million hectares under insurance. semnan province are compared to other areas has more range insured. therefore...