Forsikring og aktuarstudier

Bogen giver en bred vejledning om sygedagpengelovgivningen og den praksis, der knytter sig hertil, og giver svar på de fleste spørgsmål om sygedagpenge.Denne 5. udgave af bogen er ajourført i forhold til de ændringer, der er sket i sygedagpengelovgivningen siden 2006. Der er sket en række ændringer i sygedagpengesystemet – flere af grundlæggende karakter. Der er således siden da vedtaget mere end 30 lovforslag på området.Bogen er udformet som opslagsbog med flere muligheder for en hurtig og målrettet informationssøgning.

En grundbog om sygedagpengeregres. Bogen giver en indføring i behandling af sygedagpengeregressager.

Få en grundig indføring i reglerne vedr. speditør- og fragtføreransvarsforsikringSpeditør- og fragtføreransvarsforsikring tegnes med henblik på at dække professionsansvar (professionelt ansvar), som speditører og fragtførere kan ifalde i forbindelse med udøvelse af speditions- og vognmandsvirksomhed.Speditør- og fragtføreransvarsforsikring behandler som den første samlede juridiske fremstilling i dansk ret de vigtigste almindelige spørgsmål, der i praksis kan opstå i forhold til disse forsikringers dækningsomfang.Bogen beskriver bl.a.:Tegning af speditør- og fragtføreransvarsforsikring Det forsikringsdækkede ansvar ved aftaler om speditions- og transportydelser Undtagelser fra dækning Dækning af toldkrav Særlige ansvarsspørgsmålForfatteren giver desuden konkrete forslag til forsikringsvilkår, der kan tjene som hjælp til udformning af forsikringsdækning på områder, hvor de almindelige forsikringsbetingelser er uklare. Bogen er ajourført med de vigtigste regler og retspraksis på området. MålgruppeBogen er udarbejdet som en håndbog for praktikere inden for speditions- og transportbranchen og for jurister, der beskæftiger med sig speditør- og fragtføreransvarsforsikring.Om forfatterenJesper Windahl er partner i advokatfirmaet Birch Windahl, hvor han bistår klienter i forsikringsbranchen og inden for det sø- og transportretlige område. Derudover er han ekstern lektor ved Københavns Universitet, hvor han underviser i transportret.

Bogen er en kommentar til en typisk forsikringspolice inden for husejerforsikring og ejerskifteforsikring. Denne 3. udgave af kommentaren beskriver ligesom de foregående en »gennemsnitshusejerpolice«, herunder også ejerskifteforsikringen, der som bekendt har standardvilkår og forfatteren gennemgår den nyeste praksis på området. Bogen falder i 19 kapitler, der blandt andet beskriver:- hvilke personer husejerforsikring dækker- hvilke bygninger og genstande, der er dækket af forsikringen- hvilke skader forsikringen dækker- bygningsbrandforsikring- forsikring mod svamp og insekter, vandskade, stormskade, brandskade, frostskade, tyveri og hærværk, snetryk, pludselige skader, rørskader, glasskader- husejeransvar- følgeudgifter- erstatningsopgørelsen- generelle regler- ejerskifteforsikringBogen er tænkt som et hjælpemiddel for forsikringstagere og andre til bedre at forstå, hvad en husejerforsikring og ejerskifteforsikring dækker, men retter sig mod alle, der har interesse i husejerforsikringer og ejerskifteforsikringer.Forfatteren er Henning Jønsson, direktør i Ankenævnet for Forsikring, der har mere end 20 års erfaring i at arbejde med forsikringsklager.

Håndbogen til både forsikringstagerne og dem der arbejder professionelt med forsikringer.Familieforsikringen er den mest udbredte forsikring i Danmark med ca. 2. mio. policer i kraft hos de ca. 2,3 mio. husstande. Familieforsikringen er et produkt med mange forskellige bestemmelser, der kan og skal fortolkes. Bogen her er tænkt som et hjælpemiddel både forsikringstagere og forsikringsagenter og giver hjælp til at få overblik over, hvad en familieforsikring reelt dækker.Bogen gennemgår både “gennemsnitspolicen” og Basisforsikringen, det vil sige Basis 2. I tilknytning hertil gennemgår forfatterne punkt for punkt forskellige typer af forsikringsvilkår med konkrete afgørelser fra domstolene og Ankenævn for Forsikring til at forklare og uddybe.Nyt i 5. udgaveDenne 5. udgave af bogen er ajourført med den udvikling, der har været på retsområdet siden sidste udgave i 2001– både vedr. selve familiesikringen som produkt samt den nyeste praksis og lovændringerne. Ankenævnet for Forsikring tegner i dag forsikringspraksis, da forsikringssager oftere afgøres her i stedet for hos domstolene. Og da nævnets praksis i høj grad har udviklet sig over tid er denne 5. udgave opdateret på dette område i forhold til tidligere udgaver af bogen.MålgruppeBogen kan anvendes både af forsikringstagerne og professionelle inden for forsikringsområdet.Om forfatterneBogens forfattere er forsikringsdirektør Jørgen Gawinetski og direktør Henning Jønsson – begge tidligere direktører i Ankenævnet for Forsikring.

Bogen er en kommentar til lov om forsikringsformidling.Siden forsikringsmæglerloven fra 1999 er reglerne om forsikringsformidling ændret flere gange. Implementeringen af EU’s direktiv om forsikringsformidling fra 2002 medførte omfattende ændringer i de regler, der gælder om forsikringsmæglere og om banker og andres formidling af forsikringer. I 2007 skete der væsentlige ændringer i reglerne om provision til forsikringsmæglere. Bogen indeholder en stillingtagen til de dele af lovgivningen, som kan give fortolkningstvivl. Derudover finder du en gennemgang af de gældende regler under hensyn til retspraksis og Finanstilsynets og Erhvervsankenævnets afgørelser.

Psychologically, people's relationship with insurance is a complex, emotional journey. In reality, the simplistic, uncomplicated manner of insurance is a beautiful thing. It is designed like a lottery that always pays when a specific future risk element is incurred. And yet, time and again, there are an abundance of illustrations showing abuse and gratitude working in kind, usually fueled by an entitlement attitude that they're somehow going to scheme to take more. These are their stories.

Bringing together a range of experts across criminology and environment and life sciences, this book explores the role of insurance in industry in contributing to, and responding to, the harms that climate change has brought and will bring either directly or indirectly.

Essay from the year 2018 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1.4, Egerton University, language: English, abstract: The main objective of this report is to understand the concept of PPI, explore the process lenders have adopted over the last 20 years in providing customers with PPI, and the controversy which evolved in the UK regarding the provision of PPI from a consumer, regulation and retail perspectives.Payment Protection Insurance (PPI) is a form of payment to customers that acts as a cover for the monthly repayments of loans owned to them by financial institutions such as the banks and insurance firms in situations when the customer becomes unemployed, falls sick or dies or even in case of an accident. Over the years, PPI has attracted increasing debate especially in the UK market following various concerns such as miss-sold products to customers who took loans. This concern led to some of the financial institutions in UK including HSBC to stop the progress of selling PPI in most of its branches in 2007, including personal loan protection plan, small business loan protection, cardholder repayment loan, mortgage repayment protection, and flexiloan repayment protection (Financial Ombudsman Service. 2011).

Doctoral Thesis / Dissertation from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: A, , course: Ph. D, language: English, abstract: Human life is full of uncertainties and numerous pitfalls, wise people remain adequately alert and cautious about this fact of life. Even though nobody can avoid probable risks and uncertainties, but he can be well-prepared to face it. To avoid the danger is not within our reach but making us strong enough to counter the strokes is possible. The person with future awareness opts to buy the life insurance armour for becoming able enough to face any eventuality. Up till now many lives have been made free of anxieties through life insurance. The Hindu philosophy gives the axiomatic truth of the nature of insurance ¿Yat bhavati tat nashyati¿ which means whatever is created, certainly destroyed. The universe as a whole is created, as a matter created, it is but natural that it is subject to destruction. Creation is inevitably followed by destruction; risks therefore are inevitable in life. Creation, preservation and dissolution is the unending cycle of the universe, everybody is expected to accept and digest it. Ours is an era of uncertainty and life is surprising. It is the confederation of tensions and anxieties regarding the future uncertainties. Wherever may be an uncertainty, it is risky. Normally any risk is difficult to avoid, though not impossible.

A user-friendly guide to making expert decisions on life insurance policiesNeed help facing the constant barrage of information from competing life insurance companies? With thirty-five years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for anyone involved in choosing or monitoring a life insurance policy. This guide helps make a complex financial product understandable for consumers and is an essential reference, textbook, and training manual for financial advisors. Using a simple question-and-answer format, Steuer covers the essential basics and the finer points of life insurance, including how to:Differentiate between types of policiesFind and evaluate a policy and companyHire a trusted agentUnderstand the practice of underwritingMonitor a policy's performanceWith all the advice to help you avoid unnecessary pitfalls and unpleasant surprises, Steuer's guide will help you make informed, confident decisions and gain the maximum benefit from your life insurance policy.

Given new regulation, enrollment in association health plans is expected to grow by millions in coming years. Businesses and the self-employed have read news stories that these plans can dramatically reduce insurance costs but the articles often fail to address questions such as: How exactly can association plans achieve savings? Who can join an association health plan? How can businesses collaborate to provide low-cost health coverage to their employees? What are the benefit requirements for association plans? Can freelancers, sole-proprietors, and contractors be covered? How do you decide between fully-insured and self-insured plan funding? Association Health Plans & The Future of American Health Insurance not only answers these questions but also considers near-term changes expected for insurance markets as well as the future of national health reform. Topics ranging from benefit obligations and third-party administrators to new federal regulation are explored in straight-forward and clear discussions. Written with wit and humanity, each chapter avoids politicized commentary and, instead, provides clear, actionable information. By the end of the book, readers will not only understand the mechanics of association health coverage but the major tasks entailed in the creation of a new association health plan. Armed with this information, readers can decide if they wish to pursue cost-saving health insurance designs that were previously limited to large companies.

Maximize Your Medicare (2017 Edition) Now AvailableMedicare is the cornerstone of retirement planning in the United States.The reason is simple: healthcare costs, as people age, represent the single largest threat to a persons financial and personal well-being. It affects more than a single person. Family members and those that support the individual are all inevitably affected.The Rules Are ComplicatedThe reason that people misunderstand Medicare is that while the language looks the same as other health insurance, but it actually works differently, in important ways. Enrollment eligibility Late enrollment penalties Separate health and prescription drug components Financial assistance at federal and state levels Special enrollment exceptionsMaximize Your Medicare is written so that consumers understand the wide variety of choices they have, and when they should choose. Maximize Your Medicare also points out the pitfalls that one can avoid, if and only if the consumer understands the rules correctly. While intimidating and confusing to many, Medicare rules largely favor the consumer, as long as the consumer fully understands those rules.Selection is ComplicatedThere are a wide variety of choices available, and some of those choices change every year. Maximize Your Medicare clarifies the key differences among the choices. The eleganceof Medicare is that it does not discriminate: every person has the exact same rights and options when first turning 65 years old.That does not mean that every person will choose the same path. The number of combinations that can influence "what is best for you" is too large to count. Among these factors are: Financial resources Personal / family health history Prescriptions required Healthcare provider accessMaximize Your Medicare provides real-life examples, called "This Happens," which highlight both the mistakes that people have made in the past, and the excellent outcomes when the consumer considers his/her situation thoroughly.The Rules Are Not EnoughThere are 57 million Medicare beneficiaries, and approximately 10,000 turn 65 every day, something that will continue for the next two decades. While it may be convenient for others to claim that they can "fix" or "improve" Medicare, the demographic and fiscal reality is that this single issue will be on the top of the national agenda.While convenient to "find someone else to blame" for the lack of complete information available, Maximize Your Medicare is written so that the consumer (and those around him/her) can deal with Medicare in a practical, well-reasoned way. Maximize Your Medicare is written with the idea that every stakeholder (the Medicare consumer, physician, hospital, pharmaceutical, attorney, etc) is acting rationally, within the rules that they must follow. Maximize Your Medicare is a guide to help consumers, within those same set of complex rules.About the AuthorMr. Oh is a nationally-recognized Medicare expert, one of three expert panelists on MyMedicareAnswers.com, powered by one of the nation's largest Medicare carriers. He has appeared in person in front of seniors, professionals, and companies. He has been quoted in the national press (USA Today, nasdaq.com), and on talk radio stations. Mr. Oh is a graduate of the University of Michigan (Ann Arbor), and the Booth School of Business at The University of Chicago.You can find further information online: www.maximizeyourmedicare.com