Insurance

Insurance (52)
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Synopsis: Banks & insurance: Insurance:

working their way up Kenya's health insurance industry until each ran successful brokerage businesses in the sector.

With less than 10%of Kenyans covered by health insurance, whether by private companies or the mandatory national hospital care scheme for those in formal employment,

While all employers are required by law to enroll their employees into the National Hospital Insurance Fund,

Other private insurance schemes cost upwards of 50-80,000 KES ($600-900) to cover a family.

#"For self-employed Kenyans and those in the informal economy#formal insurance mechanisms do not exist,

"There is lack of sensitisation to insurance, and, as part of that, prepayment is a hard concept,

and extended family emergencies,"saving is understood better than insurance, #Oloo says. So in 2009 Changamka launched a"smart card#that enabled Kenyans to save small amounts over time to cover the costs of outpatient services,

"so we designed an insurance product that would service the lower end of the market.##

##Changamka, in collaboration with one of Kenya's largest insurance companies British American Insurance and telecom provider Safaricom, launched a microinsurance scheme called Lindi Jamii in November last year.

Once their account hits 12,000 KES,($140), they are enrolled immediately in a family insurance scheme, covering two parents and unlimited children for 180 days.#

#Besides covering typical medical expenses, the insurance also covers add on services such as income replacement during hospitalisation, funeral assistance,

Their Linda Jamii microinsurance only has around 8, 000 subscribers so far, and is currently still reliant on funding from NGOS and donor agencies.

For the past few years, social enterprise Kilimo Salama has been piloting a crop insurance scheme for smallholder farmers

and serve a critical and vulnerable market that traditional insurance schemes don reach. obody ever really wakes up

Kilimo Salama has developed a unique eather-based index insurance, which farmers can buy into at the beginning of the season,

By coupling bank loans with Kilimo Salama insurance scheme, the organisation has enabled banks and microfinance institutions to be more comfortable with giving loans,

making access to essential credit easier for farmers. e not just selling insurance, says Goslinga,

State green banks should employ a range of credit-enhancement mechanisms from establishing loan-loss reserve funds to originating subordinated debt into individual transactions and developing new insurance products or other risk-mitigation strategies.

and include national maritime agencies, insurers, and salvage companies d

#Ultravisc#Separating the plastic from the chaff To the untrained eye, recycling almost appears to be like some kind of alchemy, that medieval art

and of course insurance companies. ur evaluation of potential markets, driven by our SME partners, makes us confident that DORIS technologies will have a long-term and sustainable impact across Europe,

The base price was set at ¥198, 000 ($1, 600) with an additional ¥24, 600 ($200) monthly data and insurance fees.

#Health insurance for India s poor cuts death rate Stanford university University of California Berkeley University of Southern California rightoriginal Studyposted by Robert Perkins-USC on October 8 2014a

government program that provides health insurance for catastrophic illness lowered both mortality rates and out-of-pocket expenses for people in households below the poverty line in Karnataka India.

Researchers studied roughlyâ#80000 households from 600 villages and found a 64 percent drop in mortality from diseases covered by insurance.

##The free insurance covered specific high-impact medical conditionsâ##such as heart disease and cancerâ ##which poor residents often die from

automatic enrollment of all BPL families with no annual premiums user fees or copayments; and health camps in rural areas by empanelled hospitals

Since the program was phased covering poor households in the northern part of Karnataka in the first phase before expanding to the rest of the state the study compared the health outcomes of roughly 45000 households from villages that were covered by the insurance to roughly 37000 households

##The study shows that public policy can play a strong role in reducing disparities in health due to socioeconomic status. In villages without insurance the poor had much higher mortality than the rich

but such disparities were eliminated completely in villages with insurance coverage##says Neeraj Sood professor and director of research at the Schaeffer Center for Health policy and Economics at University of Southern California.##

To finance this, South korea created a long-term-care insurance system, paid for with 6. 6 percent increases in people national health insurance premiums.

In 2009, about $1 billion of government and public insurance money was spent on dementia patients.

Still, with the over-65 population jumping from 7 percent in 2000 to 14 percent in 2018 to 20 percent in 2026

who was working on behalf of an insurance company, was not human. What really got to people was that this##robot##kept denying that it was a robot,

##This week,#Time#confirmed with the insurance company#that they were using a soundboard-assisted telemarketing firm.

##We re partnering with pet insurance companies that will cover the policy holders for visits.####Although he s reluctant to make comparisons,

Just don t let my insurance company see my proclivities for booze and deep dish pizza. I'll need solid coverage for my impending heart attack.

The Climate Corporation planned to use these data to sell crop insurance. But last October Monsanto bought the company for about $1 billionne of the biggest takeovers of a data firm yet seen.

The market is ripe for disruption, with incumbent banks, insurance, payments and investment management companies no longer able to bamboozle consumers with jargon, hidden costs and arcane language.

The app is covered not by insurance but offers real-time, 24/7 health care assistance. Think of it as a mobile Webmd.

Fast Company has covered previously New york-based medical concierge service Sherpaa and Oscar, a new health insurer which tailors its products for web and mobile use.

Insurers might find it useful in investigating fraud and councils in tackling environmental assaults such as waste incineration or illegal logging and quarrying.

or an insurer checking a car is parked off-road as claimed. But most of the work will involve images taken by orbiting satellites especially as recent earth observation start-ups like Planet Labs

in a paper by a team led by Xuanhe Zhao, the Brit (1961) and Alex (1949) d'Arbeloff Career development Associate professor in Engineering Design,

and working with a Dutch health care insurance company to bring the Medeye to 15 hospitals across the country as well as Belgium the United kingdom and Germany.

Informal insurance networks As Suri and Jack emphasize, the agricultural nature of the Kenyan economy undergirds the sudden rise in M-PESA use.

Suri says. hey also don have government programs like unemployment insurance or health insurance, and they don have private insurance either.

So they end up making deals with each other. In Kenya as in many developing countries neighbors

even though access to formal insurance is limited very, says Francis Vella, an economist at Georgetown University who has read the paper.

Having Medicaid increases emergency room visits Adults who are covered by Medicaid use emergency rooms 40 percent more than those in similar circumstances who do not have health insurance, according to a unique new study,

On one level, the results accord with a traditional economics framework suggesting that insurance, by lowering out-of-pocket costs, would increase the use of medical care.

Evidence from Oregon Health insurance Experiment, were lead author Sarah Taubman of the National Bureau of Economic Research, Heidi Allen of Columbia University School of Social work,

which insurance companies are more likely to provide reimbursement. In their latest research breakthrough the team fashioned a tiny DNA reading device a thousands of times smaller than width of a single human hair.

"says Fang, the Brit and Alex d'Arbeloff Career development Associate professor in Engineering Design. So far, the researchers at MIT and LLNL have tested the process using three engineering materialsetal, ceramic,

Insurance prices could also increase and the total cost for a school research team or startup may be bigger for future missions.

System-level inspectionsssential for lenders and insurers Assuring solar modules will last for decades Work by Namaste Solar installing PV modules on the roof of the parking structure on NREL's South Table

Lenders and insurers want that kind of certification to know how to set rates or to determine

who sold his farming insurance startup The Climate Corporation for around $1 billion. Eventually Eatsa hopes its combination of tech

usually drawing on their private health insurance. But Dr Rick Olive, president of the Australian Dental Association, argues the approach taken by the UK,

which Medicare and many insurers cover. Others besides Oncotype DX also are on the market,

also improve the financial health of its insurance businesses by allowing customers to live longer, healthier and more independent lives.

But can you imagine letting a U s. health insurance company know every piece of information being collected here?

Studies taken from insurance databases are considered generally less reliable than experiments where people are randomly getting an invention,

Obviously, trust issues about giving information to insurers are a bigger hurdle in the U s. than in many other countries.

No insurance company here has the reach that Japan Post does. Apple and IBM say they are trying out a huge number of pilot studies,

And Financial Data Medical and financial data belonging to as many as 11 million Premera Blue Cross customers may have been exposed in a breach discovered on the same day as the Anthem breach, the health insurance company

in addition to affiliate brands Vivacity and Connexion Insurance Solutions. Additionally, other Blue Cross Blue Shield customers in Washington and Alaska may have been affected by the breach.

Premera is the second health insurance provider to announce a major breach this year. On the same date as Premera, Anthem discovered a breach that affected nearly 80 million customers

Premera is one of the largest health insurance providers in the Pacific Northwest, with $7. 6 billion in revenue in 2013 and 1. 8 million members in Washington and Alaska n

clean store and use their insurance to purchase them, unlike street drugs. oth prescription opioid and heroin addiction is growing significantly among the affluent and people with private insurance,

two groups that historically have had relatively low rates of abuse, the CDC Vital Signs report says.

insurance and retirement from the workplace. one are the days of a social contract with employers for lifetime employment it an old model,

Sundararajan said. hey want the nice things of being a full-time employee income stability, insurance benefits,

All the negotiations are left to private insurers and drug companies. The United states is the only nation that operates this way.

By expanding the number of seniors with prescription drug insurance, an additional source of revenue was opened up to pharmaceutical companies for future devlopment.

this means that the whole demonstration using such an innovative façade can be insured by insurance companies in the whole Spain,

He is defining an insurance policy for the field trial of the Meefs innovation in Spain. However, the system needs to meet cost effectiveness requirements in order to penetrate the competitive construction market. he full-scale demonstration of the Meefs façade technology fits in with a new business trend

#Percentage of Texans without health insurance drops dramatically The report found that from September 2013 to March 2015, the percentage of uninsured adult Texans ages 18-64 dropped from 25 to 17 percent."

"It's almost entirely attributable to newly insured individuals who purchased their own health insurance plans.

"Despite this improvement, Texas remains the state with the highest percentage of people without health insurance,

since 2013 primarily because the ACA Marketplace allows households above the federal poverty level to buy health insurance using subsidies.

#Brit boffins build'tractor beam'out of sound Researchers from Spain and The british city of Bristol have found a way to move objects using sound.

Most industries report a rapid increase in anticipated hiring led by information services (up 51 percent over last year) and finance and insurance (up 31 percent.

car ownership costs rising (high gas prices, insurance, etc.;states making it difficult to get a driver's license;

The information can also be used to prove to insurers that the money they spend on health care is producing results. ealth care providers are more and more being paid for outcomes,

Adobe, AIG, Akamai, AOL, Appnexus, AT&T, BSA, ebay, Electronic arts, Expedia, Facebook, GE, Goldman sachs, Google, Groupon, IAC, IBM, Lockheed martin, Massmutual, Microsoft

-A $1 million insurance policy on each ride (as personal auto insurance generally doesn cover commercial use)- Background checks-Regular vehicle records checks Sidecar is taking on Uber et al. with an interesting tactic:

That was without a copay. Even with insurance and copays to help with costs, hauling yourself to the doctor is the last thing most people want to do when sick.

Other startups such as Scanadu offer similar digital tracking of your vitals. The Scanadu Scout is a device you put up to your forehead to measure temperature, heart rate, blood oxygen and respiratory rate.

while Alibaba Baidu and electronics seller Suning Commerce Group also got government licenses to offer mutual funds loans and insurance.

with the startup handling the required insurance and offering 24/7 road assistance cover in the event of a breakdown. ur insurance setup allows car owners to list their cars in less than a minute

and renters to instantly sign up, provide their information on our website and rent a car as soon as the car owner approves the request,

Longer term, Martin expects that the company data around emergencies will allow it to offer a predictive analytics platform that might be of interest to Wall street investment funds and insurance companies.

Bob Emerson a prosthetist at A Step Ahead Prosthetics who helps connect patients to research projects in Herr's group says it's challenging to persuade insurers to pay for devices like Biom.

The technology could be used in any health-care scenario where you have the potential for fraud such as insurance fraud says Jain.

The groups that control the most medical data today are insurance companies and care providers, and their data analysis is already beginning to change health care.

#3-D Mammography Shown to Improve Detection of Invasive Breast cancer A new 3-D imaging technology that typically isn covered by health insurance allows radiologists to detect more cases of invasive breast cancer than traditional mammography,

CEO and cofounder of Mojio. f I being offered an insurance discount because Geico looked at my data,

or driving efficiencyr to generate data for insurance discounts. Apps tapping information from many cars could alert drivers to accidents;

Some vertical markets of interest include Retail, Healthcare, Transportation, Insurance, Financial services and Telecommunications. Some technology areas of interest include:

especially for lowering insurance costs in the US when it becomes more of a problem to manage our chronic patients

. or this to happen, insurance companies will have to help finance these technologies. ey, check out all the engineering jobs.

and expertise with four startups, including Brit+Co, Carecloud, Mark One, and Venali. ur goal with this new fund is to meaningfully support a technology startup workforce more reflective of society,

The first breach has been linked to earlier thefts of personal data from millions of records at Anthem Inc, the second largest U s. health insurer,

insurance companies and other institutional investors in France will be required to disclose how they are managing climate change risks.

#Health insurer Anthem says database of customer employee info hacked Anthem, the second-largest health insurance company in America, said late Wednesday that a database containing personal information of approximately 80 million of its customers

and employees had been hacked. The cyber breach, which occurred last week, was reported first by The Wall street journal. The paper reported that investigators were still investigating the extent of the incursion,

the insurer did say that credit card information was compromised not and added that it has found no evidence that that medical information such as insurance claims

The insurer said it would also set up a information website and offer a credit-monitoring service.

and employment information that allows cyber criminals to assume the identity of its victims for committing insurance fraud,

The group faulted high U s. prices in part on the failure of insurers and officials to negotiate drug prices with developers.

%In February, Gilead agreed with German insurance regulators to charge#41,000 ($45, 560 as of June 5) for Sovaldi, a 45%discount.

or provides support for their copays. The company CML medicines have been provided free to an average of 5

To date, according to the U s. Department of energy Global Energy storage Database, the Brits currently have a grand total of 32 projects,

#Mind-controlled BMW i3 driven in tron-like car insurance campaign As part of a British car insurance marketing campaign,

and to keep you safe while saving money on your car insurance. Using a modified BMW i3 electric car,

a technology system used to calculate fair premiums and save drivers money on car insurance policies.

or this to happen, insurance companies will have to help finance these technologies. e

#Artificial Neurons Can Communicate in the Same Way as Human Neurons Scientists at Karolinska Institutet have managed to build a fully functional neuron by using organic bioelectronics.

#Meet Mafiaboy The'Bratty Kid'Who Took Down The Internet This week, the country's second-largest health insurance company,

#Hackers Strike Health insurer Anthem The country's second-biggest health insurer says cyberattackers infiltrated one of its IT systems

and obtained personal information about current and former customers as well as employees covered by the insurer."

"For this to happen, insurance companies will have to help finance these technologies, "said Millán. Let's hope this happens soon,

Private insurers ranked last (0. 04 percent of revenue) and health systems 19th (0. 1 percent of revenue) among 22 industries in their investment in innovation.

and Women Hospital showed that Americans worry that insurance companies and employers may discriminate against them based on their family histories or genetic test results.

but these protections only cover instances of discrimination by an employer or a health insurance company.

Companies that sell life insurance, long-term care insurance, and disability insurance can still ask for genetic tests results

if they wish and they can base their rates on this information. $215 million is a very large amount to spend on an initiative of this kind,

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