Dissertations / Theses on the topic 'Insurance Australia'
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1
Cheung, Po-yi Polly, and 張寶儀. "How can Hong Kong learn from Australia's lessons from promoting private health insurance as a supplementary source of health carefunding?" Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2011. http://hub.hku.hk/bib/B46935113.
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Murphy, Patricia, and n/a. "An Examination of the Influence the Broader Insurance-Based Rehabilitation Context has on the Experience of Work Stress Among Rehabilitation Professionals." Griffith University. School of Human Services, 2004. http://www4.gu.edu.au:8080/adt-root/public/adt-QGU20040629.160954.
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The phenomenon of work stress is ubiquitous and has been the source of considerable attention over the past few decades. Work stress is a common problem in human services, particularly in the area of rehabilitation. The prevalence of this problem for rehabilitation has, however, been fuelled over the last two decades by the rapid growth of the insurance-based rehabilitation sector in Australia. The expansion of this sector has created a major market for rehabilitation practitioners. Using a qualitative research paradigm, the current study examined the insurance-based rehabilitation context in Australia. Specifically, this study explored the influence of this context on the experience of work stress for rehabilitation professionals. Although attempts to account for work stress usually focus on the qualities of the individual and organizational factors, the current study has responded to the call in occupational stress literature to examine this phenomenon at a broader, contextual level. Twenty-five rehabilitation professionals were asked to provide visual representations to illustrate their experience of the insurance-based rehabilitation work context. Interviews were conducted with each participant to elicit a more in-depth understanding of this experience. The findings revealed that the insurance-context appears to be characterized by inconsistency, chaos, confusion, and a strong focus on profit and cost effectiveness as depicted by the themes Maelstrom, Co-dependent Liaisons, Implosion of Responsibility, Legislative Pluralism, External Trumping and Greed. The deleterious influence of this context on rehabilitation professionals manifested in several ways as represented by the themes Impotence, Cynicism, Going Through the Motions, and Betrayal. A metaphor of a virus was used to provide a context for understanding how rehabilitation professionals were infected by the stressors inherent in the unhealthy contextual environment of the insurance sector. The results of this study have important implications for informing future policy, practice and research within the rehabilitation industry. Clearly, the health of the insurance sector needs to improve to ensure the well-being of rehabilitation professionals such as those who participated in this study. Improved health of this sector must include a greater respect for the profession of rehabilitation. Also crucial to the improved health of the sector is consistency in legislation and procedures that underpin rehabilitation. In addition, rehabilitation professionals must accept responsibility for enhancing their core competencies if they are to inoculate themselves against the harmful influence of the broader insurance context. Strategies to inoculate rehabilitation professionals against the infiltration of these contextual stressors must include an understanding of business administration and policy. Finally, the findings suggest that unless the health of the sector and the rehabilitation professionals improve, poor rehabilitation outcomes are likely to continue to plague the insurance industry and the experience of work stress and turnover among rehabilitation professionals will remain unacceptably high.
3
Duldig, Paul. "The extent of private health insurance coverage in Australia : public problem or private choice? /." Title page, contents and introduction only, 1985. http://web4.library.adelaide.edu.au/theses/09EC/09ecd881.pdf.
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Song, Wei. "The extent of the insured’s duty of disclosure : a comparative analysis of the disclosure obligations of insured in Australia, Singapore and China." Thesis, Queensland University of Technology, 2012. https://eprints.qut.edu.au/54638/1/Wei_Song__Thesis.pdf.
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Pre-contractual material disclosure and representation from an insurance policy proposer is the most important element for insurers to make a decision on whether a proposer is insurable and what are the terms and conditions if the proposal by the proposer is able to be insured.
The issue this thesis researches and investigates focus on the issues related to the pre-contractual non-disclosures and misrepresentations of an insured under the principle of utmost good faith, by operation of laws, can achieve with different results in different jurisdiction. A similar disputed claim involving material non-disclosed personal information or misrepresentation at the pre-contractual stage from an insured with respect to both general and life insurance policies settled by an insurer in Australia could be that the policy is set aside ab initio by the insurers in Singapore or China.
The jurisdictions this thesis examines are
• Australia;
• Singapore; and
• China including Hong Kong.
5
Backhouse, Stephanie. "Who loses out in the NDIS? An analysis of the early rollout of the National Disability Insurance Scheme in Australia." Thesis, Backhouse, Stephanie (2017) Who loses out in the NDIS? An analysis of the early rollout of the National Disability Insurance Scheme in Australia. Masters by Coursework thesis, Murdoch University, 2017. https://researchrepository.murdoch.edu.au/id/eprint/38018/.
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The National Disability Insurance Scheme (NDIS) is heralded as the second biggest social reform since Medicare and is currently being rolled out across Australia. The NDIS individualised funding model promises a transformational change in service delivery for people with disability and claims to deliver increased autonomy to assist Australians with disability to achieve their goals and enjoy an ordinary life. This thesis is a timely analysis of the early rollout of the NDIS. A consideration of the disability service delivery and policy which precipitated the NDIS in Australia places this policy reform in context. Comparisons are drawn with the implementation of the current social care model in the United Kingdom. Particular reference is made to the work of Dr Simon Duffy, an advocate for individualised budgets and self directed supports and key critic of the present interpretation of the personalisation agenda in the UK.
Evaluations of the current NDIS model indicate significant opportunities for people with disability to build on existing social and financial capital. This thesis also explores the constraints which impact on these opportunities. I suggest that the original intent of the ‘Every Australian Counts’ campaign (a citizen led movement of disability activists and supporters lobbying for substantive equality through the implementation of the NDIS) is compromised by a political discourse of privatisation and marketisation. Structural barriers which continue to hinder full actualisation of citizenship rights are not adequately addressed in an individualised funding model with a focus on service delivery. Some groups of people with disability may be left behind in a user led system.
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Siminski, Peter Economics Australian School of Business UNSW. "Essays on the distributional impacts of government." Publisher:University of New South Wales. Economics, 2008. http://handle.unsw.edu.au/1959.4/41238.
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This thesis consists of three independent essays, unified by the common theme of the distributional impacts of government. The first paper estimates the price elasticity of demand for pharmaceuticals amongst high-income older people in Australia. It exploits a natural experiment by which some people gained entitlement to a price reduction through the Commonwealth Seniors Health Card (CSHC). The preferred model is a nonlinear Instrumental Variable (IV) difference-in-difference regression, estimated on repeated cross sectional survey data using the Generalised Method of Moments. No significant evidence is found for endogenous card take-up, and so cross-sectional estimates are also considered. Taking all of the results and possible sources of bias into account, the ??headline?? estimate is -0.1, implying that quantity demanded is not highly responsive to price. The elasticity estimate is a key input into the second paper which analyses the distributional impact of the CSHC. I consider the trade-off between moral hazard and risk pooling. There have been few previous attempts internationally to address this trade-off empirically for any health insurance scheme. The utility gain through risk-pooling is found to be negligible. However, the deadweight loss through moral hazard may be considerable. I also use an illustrative model to demonstrate the possible effects of the CSHC on inter-temporal savings behaviour. While the CSHC may induce some people to save, it may have the opposite effect on others. The net impact was not determined. The third paper estimates the Australian public sector wage premium. It includes a detailed critical review of the methods available to address this issue. The chosen approach is a quasi-differenced panel data model, estimated by nonlinear IV, which has many advantages over other methods and has not been used before for this topic. I find a positive average public sector wage premium for both sexes. The best estimates are 10.0% for men and 7.1% for women. The estimate for men is statistically significant (p < 0.04) and borders on significance for women (p < 0.07). No evidence is found to suggest that the public sector has an equalising effect on the wages of its workers.
7
Larkin, Shaun Maurice. "Quality-based benefit design in health insurance : the impact of a product benefit design change on the utilisation of oral health services by members of a private health insurance fund in regional and rural New South Wales, Australia." Thesis, Queensland University of Technology, 2008. https://eprints.qut.edu.au/26735/1/Shaun_Larkin_Thesis.pdf.
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Objective: To examine the impact on dental utilisation following the introduction of a participating provider scheme (Regional and Rural Oral Health Program {RROHP)). In this model dentists receive higher third party payments from a private health insurance fund for delivering an agreed range of preventive and diagnostic benefits at no out-ofpocket cost to insured patients. Data source/Study setting: Hospitals Contribution Fund of Australia (HCF) dental claims for all members resident in New South Wales over the six financial years from l99811999 to 200312004. Study design: This cohort study involves before and after analyses of dental claims experience over a six year period for approximately 81,000 individuals in the intervention group (HCF members resident in regional and rural New South Wales, Australia) and 267,000 in the control group (HCF members resident in the Sydney area). Only claims for individuals who were members of HCF at 31 December 1997 were included. The analysis groups claims into the three years prior to the establishment of the RROHP and the three years subsequent to implementation. Data collection/Extraction methods: The analysis is based on all claims submitted by users of services for visits between 1 July 1988 and 30 June 2004. In these data approximately 1,000,000 services were provided to the intervention group and approximately 4,900,000 in the control group. Principal findings: Using Statistical Process Control (SPC) charts, special cause variation was identified in total utilisation rate of private dental services in the intervention group post implementation. No such variation was present in the control group. On average in the three years after implementation of the program the utilisation rate of dental services by regional and rural residents of New South Wales who where members of HCF grew by 12.6%, over eight times the growth rate of 1.5% observed in the control group (HCF members who were Sydney residents). The differences were even more pronounced in the areas of service that were the focus of the program: diagnostic and preventive services.
Conclusion: The implementation of a benefit design change, a participating provider scheme, that involved the removal of CO-payments on a defined range of preventive and diagnostic dental services combined with the establishment and promotion of a network of dentists, appears to have had a marked impact on HCF members' utilisation of dental services in regional and rural New South Wales, Australia.
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Larkin, Shaun Maurice. "Quality-based benefit design in health insurance : the impact of a product benefit design change on the utilisation of oral health services by members of a private health insurance fund in regional and rural New South Wales, Australia." Queensland University of Technology, 2008. http://eprints.qut.edu.au/26735/.
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Objective: To examine the impact on dental utilisation following the introduction of a participating provider scheme (Regional and Rural Oral Health Program {RROHP)). In this model dentists receive higher third party payments from a private health insurance fund for delivering an agreed range of preventive and diagnostic benefits at no out-ofpocket cost to insured patients. Data source/Study setting: Hospitals Contribution Fund of Australia (HCF) dental claims for all members resident in New South Wales over the six financial years from l99811999 to 200312004. Study design: This cohort study involves before and after analyses of dental claims experience over a six year period for approximately 81,000 individuals in the intervention group (HCF members resident in regional and rural New South Wales, Australia) and 267,000 in the control group (HCF members resident in the Sydney area). Only claims for individuals who were members of HCF at 31 December 1997 were included. The analysis groups claims into the three years prior to the establishment of the RROHP and the three years subsequent to implementation. Data collection/Extraction methods: The analysis is based on all claims submitted by users of services for visits between 1 July 1988 and 30 June 2004. In these data approximately 1,000,000 services were provided to the intervention group and approximately 4,900,000 in the control group. Principal findings: Using Statistical Process Control (SPC) charts, special cause variation was identified in total utilisation rate of private dental services in the intervention group post implementation. No such variation was present in the control group. On average in the three years after implementation of the program the utilisation rate of dental services by regional and rural residents of New South Wales who where members of HCF grew by 12.6%, over eight times the growth rate of 1.5% observed in the control group (HCF members who were Sydney residents). The differences were even more pronounced in the areas of service that were the focus of the program: diagnostic and preventive services.
Conclusion: The implementation of a benefit design change, a participating provider scheme, that involved the removal of CO-payments on a defined range of preventive and diagnostic dental services combined with the establishment and promotion of a network of dentists, appears to have had a marked impact on HCF members' utilisation of dental services in regional and rural New South Wales, Australia.
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Weier, Annette 1960. "Demutualisation in the Australian life insurance industry." Monash University, Dept. of Economics, 2000. http://arrow.monash.edu.au/hdl/1959.1/8371.
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Service, David Allen, and david service@anu edu au. "Disability Income Insurance - The Australian Experience 1980-2001." The Australian National University. Faculty of Economics and Commerce, 2010. http://thesis.anu.edu.au./public/adt-ANU20100819.143929.
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This thesis examines the experience of disability income insurance in Australia from 1980 to 2001. The data underlying the work was generously provided by the Institute of Actuaries of Australia which has collected data from the major companies which have written this business since 1976.
The focus in this work is on the claims behaviour of those who have been insured and the implications to be drawn from the observations about that behaviour. This information is intended to be valuable to individual companies as they seek to make decisions about their pricing, underwriting and claims management so as to ensure adequate profitability of this line of business.
The work demonstrates the following key conclusions.
There have been very radical changes in the characteristics of the business over the period and in the resulting experience. In particular, the claim termination experience has deteriorated dramatically with average claim durations now around twice that at the start of the period,
The structure of IAD8993 is no longer representative of the aggregate industry experience. This is particularly so in respect to incidence, where only one of the six characteristics included has its �shape� confirmed by the experience. The other five have statistically significant evidence that their �shape� is not consistent with the experience. For terminations three of the six are confirmed.
Many of the additional characteristics examined demonstrate that they are significant predictors of experience. In respect to incidence six of the eight examined were significant. In respect to terminations only two of the eight were significant.
There is a material element of seasonality in respect to both incidence and terminations.
While the Australian experience is materially better than the corresponding USA experience the worsening experience for medical occupations in the USA should be taken as a warning to Australia of the potential which exists in this occupation subclass.
There is a serious body of circumstantial evidence supporting the hypothesis that the experience of disability income insurance is significantly influenced by �state of mind� rather than �state of body�.
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McGrath, Alicia University of Ballarat. "Changing rural general practitioner practice : evaluating health assessment uptake." University of Ballarat, 2003. http://archimedes.ballarat.edu.au:8080/vital/access/HandleResolver/1959.17/12770.
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The Enhanced Primary Care Package aimed to improve health and quality of life through enhancing primary health care for those over 75 years, Aboriginal and Torres Strait Islanders over 55 years and those with chronic conditions and multidisciplinary needs. A multi-level approach was implemented to promote the package. West Vic Division of General Practice conducted the General Practice Education Support and Community Linkages implementation program for the package in Western Victoria and focused on health assessments for those over 75 years. This research investigated what factors affected change in rural general practitioner practice through surveying general practitioners and collecting Health Insurance Commission data prior to and following the program. Patients were also interviewed to determine acceptance of health assessments and nurse involvement. The program increased awareness, but had little effect on increasing uptake, as only 53% of general practitioners began undertaking health assessments. However the general practitioners indicated an increased frequency of health assessment prescription. Health Insurance Commission data suggested an immediate increase in the use of the assessments, however the rate fluctuated and then declined. Lack of sustained uptake of the program was not associated with remuneration, as 77% of general practitioners did not regard finance as a barrier. Respondents’ major barrier was time (40% pre-education, 73% post-education). This data reflected a rural environment where general practitioners face competing priorities, time constraints, workforce shortage and long consultation lists. A notable change did however occur from practice nurse employment as the involvement of a practice nurse generally resulted in patient satisfaction with the assessment. It was apparent that a complex multifaceted and longer-term view is needed to address factors which limit rural general practitioners’ ability to change. This needs to be addressed at the Commonwealth level and not in isolation in order to produce an integrated framework to enhance and promote, rather than demand change.Master of Applied Science
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McGrath, Alicia. "Changing rural general practitioner practice : evaluating health assessment uptake." University of Ballarat, 2003. http://archimedes.ballarat.edu.au:8080/vital/access/HandleResolver/1959.17/14607.
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The Enhanced Primary Care Package aimed to improve health and quality of life through enhancing primary health care for those over 75 years, Aboriginal and Torres Strait Islanders over 55 years and those with chronic conditions and multidisciplinary needs. A multi-level approach was implemented to promote the package. West Vic Division of General Practice conducted the General Practice Education Support and Community Linkages implementation program for the package in Western Victoria and focused on health assessments for those over 75 years. This research investigated what factors affected change in rural general practitioner practice through surveying general practitioners and collecting Health Insurance Commission data prior to and following the program. Patients were also interviewed to determine acceptance of health assessments and nurse involvement. The program increased awareness, but had little effect on increasing uptake, as only 53% of general practitioners began undertaking health assessments. However the general practitioners indicated an increased frequency of health assessment prescription. Health Insurance Commission data suggested an immediate increase in the use of the assessments, however the rate fluctuated and then declined. Lack of sustained uptake of the program was not associated with remuneration, as 77% of general practitioners did not regard finance as a barrier. Respondents’ major barrier was time (40% pre-education, 73% post-education). This data reflected a rural environment where general practitioners face competing priorities, time constraints, workforce shortage and long consultation lists. A notable change did however occur from practice nurse employment as the involvement of a practice nurse generally resulted in patient satisfaction with the assessment. It was apparent that a complex multifaceted and longer-term view is needed to address factors which limit rural general practitioners’ ability to change. This needs to be addressed at the Commonwealth level and not in isolation in order to produce an integrated framework to enhance and promote, rather than demand change.Master of Applied Science
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Jess, Digby Charles. "A comparison of the law relating to legal liability insurances in England and Australia." Thesis, University of Manchester, 1999. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.488304.
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The aim of this thesis is to examine English and Australian law relating to legal liability insurances, in order to determine whether English law can be regarded as having gone down a less desirable route in resolving the problems that arise. Australia has been chosen as a comparator because of its previous colonial position whereby English common law was directly applicable, but, against that backdrop of shared jurisprudence, the Commonwealth of Australia, and its constituent States, have developed, under independence, their own solutions in this area of law. There are various problems that emerge, both as between the injured third party and the culpable insured defendant, and between that insured and his liability insurer. This analysis is approached by first comparing English and Australian law relating to the extent of the indemnity provided by insurances against legal liabilities incurred by the insured. This is to be found in Chapter 1, where the judicial interpretation of the primary insuring words of such policies is considered, and in Chapter 2, where the legal effect of the main express terms and conditions encountered in both English and Australian policies are discussed. Statutory reform affects the position in Australia. Chapter 3 examines the extent of the problems, and the ramifications, that can arise in the four categories of resistance of the insurer to providing an indemnity to the insured - avoidance ab initio of the policy for non-disclosure or misrepresentation of material facts at inception; repudiation of liability for breach of an insurance warranty; rejection of the claim for breach of a condition precedent or other policy condition; and denial that the claim is within the scope of the policy indemnity. The statutory compulsory regimes adopted in England and Australia with regard to the insuring of motor vehicle liability and employers' liability to their employees are discussed and contrasted in Chapter 4. The claimant third party's direct rights of action against the liability insurer of a judgment debtor are considered in Chapter 5. Finally, conclusions are reached on the preferred approach on all of these aspects.
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Jing, Zhen. "Fundamental principles of insurance contract law and practice in the People's Republic of China : a comparative study with English and Australian counterparts." Thesis, Queen Mary, University of London, 2001. http://qmro.qmul.ac.uk/xmlui/handle/123456789/25787.
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The Insurance Law 1995 (PRC) is the first comprehensive insurance legislation since the foundation of the People's Republic of China in 1949. It consists of insurance contract law and insurance regulation. This study concerns only the insurance contract law, focusing on three fundamental principles, namely the principles of insurable interest, utmost good faith, and subrogation. The main theme of this study is that, through examination and analysis, and by comparative methodology, of the provisions relating to the three principles, problems in these provisions are to be found and recommendations on how to amend them are to be proposed. It is intended this study will also help us to understand other similar problems in the whole Chinese insurance contract law. Many concepts adopted in the Insurance Law (PRC) are English in origin. This research attempts to trace the origin and the evolution of these concepts in England and to seek their real meanings in order to find and solve problems of confusions, ambiguities, contradictions and unfairness in Chinese insurance law. The Australian Insurance Contracts Act 1984 codifies the common law and insurance practice in Australia and mitigates the common law for its harshness to consumers and is regarded as a model for insurance law reform. So many Australian approaches are suggested as suitable to follow in order to amend Chinese law. This thesis starts with a brief introduction stressing the purpose and methodology of this research. Then the background is laid down concerning China's politics, economic reform, legal system and the development of China's insurance industry, under which the Insurance Law has been shaped. This is followed by three chapters - the main part of this study dealing with the three fundamental principles of the insurance contract law by examining and comparing the Chinese approach with the English and Australian counterparts. By doing so, problems in the Insurance Law are identified and better solutions are figured out. This research concludes with an emphasis on the urgency for amendment of the Chinese insurance contact law by summarising the preceding examination and analysis of the three principles. It finally ends with a number of proposed amendments of relevant provisions of the Insurance Law which it is hoped will provide useful models for the improvement of the whole Chinese insurance law.
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Belcher, Helen. "Resisting the welfare state an examination of the response of the Australian Catholic Church to the national health schemes of the 1940s and 1970s /." Connect to full text, 2004. http://hdl.handle.net/2123/712.
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Thesis (Ph. D.)--University of Sydney, 2005.Title from title screen (viewed 20 May 2008). Submitted in fulfilment of the requirements for the degree of Doctor of Philosophy to the Dept. of Sociology and Social Policy, Faculty of Arts. Degree awarded 2005; thesis submitted 2004. Includes bibliographical references. Also available in print form.
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McEwin, R. Ian. "An economic analysis of tort law and insurance : the impact of strict liability on road and workplace accidents." Phd thesis, 1988. http://hdl.handle.net/1885/127617.
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This thesis investigates the impact on accidents of the change from
negligence to strict liability in the workplace and on the roads. As
the impact of a liability rule and so safety incentives depend on the
risk sharing arrangements, the effect of the change in liability can
only be assessed after account has been taken of the other factors
influencing safety decisions, in particular, insurance incentives.
Other empirical studies of the introduction of workers'
compensation and road accident no-fault schemes have failed to
separate the impact of changes in liability from changed insurance
arrangements. The results of more comprehensive empirical studies
than so far attempted suggest that the introduction of strict liability
increased accidents both on the roads and in the yvorkplace. The
results suggest that the common law serves an important role in
promoting safety.
Workers' compensation reformers argued that the imposition of
employer strict liability for accidents would give employers greater
incentives to improve workplace safety. Road accident no-fault
reformers, on the other hand, did not regard safety as an issue
because, it was argued, insurance reduced any possible deterrent
effect. The empirical evidence presented here does not bear the
reformers out. Both workplace and road accidents increased after
strict liability was introduced.
As well, empirical results are presented which indicate that ex ante
risk compensation was paid as wages in the coal industry in New
South Wales at the time of the introduction of workers'
compensation. This occurred despite an exogenous wage fixing
process which decried the payment of 'blood money'. Risk
remuneration was paid, indirectly, through special allowances for
poor working conditions. A novel feature of this study was the
compilation of individual firm data from previously unused archival
records. All previous studies have used highly aggregated data
which suffer from measurement error, particularly in relation to the
measurement of risk. Evidence is presented to show, in accordance
with basic economic theory, that risk-compensating wages are an
important factor in promoting safety. Workers' compensation
reformers and subsequent legal and historical scholarship argued
that the 19th century employer defences (fellow-servant, assumption
of risk and contributory negligence) were designed to protect factory
owners from industrial accident liability and so shift the burden of
industrial development onto the shoulders of the working class. The
evidence presented in this thesis does not support the contention
that the working class bore the burden. Workers were compensated
for risk and there is evidence to suggest that wage risk-compensation
was lower after the introduction of workers'
compensation, suggesting that overall worker compensation may not
have changed a great deal.
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Sidorenko, Alexandra A. "Health insurance and demand for medical care : theory and application to Australia." Phd thesis, 2001. http://hdl.handle.net/1885/109953.
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Private health insurance plays an important role in Australian health care
finance, complementing the universal health insurance system, Medicare,
established in 1984. The road to the current health insurance system was long and
winding, filled with political passions and debates. This study covers the major
historical steps leading to the introduction of Medicare, and analyses specific
features of the Australian private health insurance sector.
After the recent policy change, regulations of the private health insurance
industry were somewhat eased, and a new range of benefits permitted to be
provided. This thesis seeks to analyse the likely effects of the policies, and develops
a theoretical model which adds to the existing literature on the demand for health.
Studies of demand for medical care and health insurance constitute an
important part of the health economics literature. Grossman’s theory of demand for
health has become a major framework for the analysis. Generalisations of the
Grossman model to incorporate uncertainty about health status and insurance
against medical expenditure are major challenges for theoretical economists
working in this area. This thesis proposes a new dynamic continuous time
stochastic optimisation model of demand for medical care, in which uncertainty
about health and wealth is modelled by correlated Wiener processes. Consumption
and leisure decisions are included in the model. A health insurance contract with
coinsurance rate is introduced in this model, and a two-stage procedure of choosing
an optimal ex-ante coinsurance rate, and optimal ex-post amount of medical care,
consumption and leisure is discussed.
The theoretical model is then applied to the 1993-94 Household Expenditure
Survey, Australia. Even though the full structure of the model cannot be tested on
this dataset, some empirical evidence is found in support of the new theoretical
model. A two-part bivariate probit model and quantile regression analysis allowed
the estimation of the income elasticity of demand for medical care and health
insurance, which was shown to vary with income. To study the quantitative effect
of the recent policy change based on the new theoretical model, a finer level of data
is needed.
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Khemka, Gaurav. "The impact of economic changes on disability income insurance and health in australia." Phd thesis, 2013. http://hdl.handle.net/1885/156103.
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This thesis empirically examines the impact of economic changes on: i. the health of the general Australian population, and ii. the claim incidence experience of the Australian Disability Income Insurance (DII) business. Changes in economic conditions have been captured via movements in the unemployment rate. Changes in health by the following two indicators: a. mortality rate, and b. per capita general physician (GP) visits. In many countries it has been established that short-run cyclical patterns in mortality are associated with economic fluctuations. In Chapter 2, an aggregate state level panel data analysis is used to investigate the general pattern of cyclical mortality in Australia for the period 1985-2008. Employing a fixed effects regression methodology, we show that there is a significant counter-cyclical pattern of mortality (mortality increases during economic contractions) in the general Australian population. Evidence in the literature suggests that the pattern of cyclical mortality experienced in other countries is varied. Drawing from this literature, it is argued that one reason for the observed counter-cyclical mortality in Australia is the relatively high level of social security expenditure. In Chapter 3, a poisson fixed effects analysis shows that, in Australia, over the period 1994-2010, per capita GP visits increase with economic expansions. This may indicate that self-perceived morbidity in Australia is pro-cyclical in nature. At first glance, while this result appears to be in contradiction with counter-cyclical mortality (established in Chapter 2), it is argued that the various financial and psychological factors that cause a reduction in GP visits during economic downturns may be a factor in explaining the increase in mortality observed in Chapter 2. Practitioners of DII commonly believe that DII claims experience is highly correlated with economic movements. In Chapter 4, using claims incidence data from Australian DII business for the period 1986-2001, and a conditional model, it is found that the incidence of claims significantly increases with increasing unemployment, illustrating a counter-cyclical pattern of claims incidence. Moreover, a multinomial logit analysis on cause of claim shows that the probability of a new claim arising from accidents significantly increases with increasing unemployment. The results suggest that the counter-cyclical pattern of claim incidence may stem from increasing claims for minor causes amongst the insured population. Our results are important from the perspective of policy makers and insurance companies. For example, to a policy maker, evidence of counter-cyclical mortality and pro-cyclical GP visits provides insights on the impact of economic changes on health. This may lead to further research in order to isolate the causes of these relationships and quantify the social costs associated with tackling the issues. From the perspective of an insurer, the counter-cyclical patterns of mortality and DII claims may help them to incorporate appropriate premium loadings and capital reserves in anticipation of economic downturns.
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Purse, Kevin (Kevin Geoffrey). "Workers' compensation policy in Australia : contention and controversy 1970-1996 / Kevin Purse." 2003. http://hdl.handle.net/2440/22012.
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"September 2003"Bibliography: leaves 230-257.
ix, 257 leaves ; 30 cm.
Title page, contents and abstract only. The complete thesis in print form is available from the University Library.
Thesis (Ph.D.)--University of Adelaide, Dept. of Social Inquiry, 2003
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林子翔. "effects of macroecnomics on life insurance penetration：a comparatives study of Taiwan and Australia." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/667zye.
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Cai, Lixin. "The dynamics of the Disability Support Pension (DSP) recipients in Australia." Phd thesis, 2002. http://hdl.handle.net/1885/151636.
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Pitt, David G. W. "Actuarial models for the analysis of disability income insurance." Phd thesis, 2004. http://hdl.handle.net/1885/146548.
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Cheng, Terence Chai Kiet. "The demand for hospital care and private health insurance in a mixed public and private health care system : theoretical and empirical analysis for the case of Australia." Phd thesis, 2010. http://hdl.handle.net/1885/151362.
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This thesis examines the processes that underlie how individuals seek hospital care and purchase private health insurance in a mixed public and private hospital system such as that of Australia. To achieve this objective, a theoretical model with explicit functional forms is first developed to analyse the determinants of the intensity of hospital care use, the choice to seek public or private hospital care and the decision to purchase insurance. The key areas of interest are how direct and indirect 'prices' for hospital care, vis-a-vis waiting times and private health insurance, influence the decisions to seek either public or private care and the intensity of care. A key result from the analysis is that individuals with more severe medical conditions are expected to have a higher probability of seeking treatment from the public sector because the duration of wait for public care is shorter due to priority setting in the public sector. In addition, the availability of private hospital insurance reduces the effective price of private hospital care and increases both the probability that individuals seek private treatment and the intensity at which private hospital care is utilised. A simultaneous equation econometric model that is based on the structure of the theoretical framework is developed. The econometric model accommodates count and binary outcomes variables as well as endogenous binary regressors. The model is estimated using data from the 2004-05 National Health Survey to conduct two empirical analyses. The first analysis examines the determinants of the intensity of hospital admissions and the decision to purchase private health insurance. A key result is that having private hospital insurance increases the expected number of hospital admissions each year by 19 percentage points. In addition to insurance status, the intensity of hospital admission is also influenced by age, gender, employment status, health status and locality. The second empirical analysis examines the determinants of the intensity of hospital care use and the decisions to seek public or private hospital care and purchase private health insurance using a simultaneous framework. The results indicate that individuals with private hospital insurance are 81 percentage points more likely to seek hospital care as a private patient. Age, household income, private sector employment and the presence of dependent children are factors that increase the probability that individuals obtain private care. On length of stay, the results show that the expected length of hospital stay by private patients is on average 1.11 nights shorter than that of public patients which suggests that systematic differences exist in the types of medical conditions for which individuals seek public or private treatment. Contrary to existing evidence, this study does not find any significant moral hazard effect amongst patients who sought hospital care as a private patient. From a policy perspective, the results suggest that the effectiveness of government initiatives in Australia to encourage the purchase of private hospital insurance is likely to be limited to reducing public hospital waiting lists and lowering waiting times for public treatment.
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Park, Jae Jeok. "Alliance persistence in the Asia-Pacific : an order insurance explanation." Phd thesis, 2009. http://hdl.handle.net/1885/150395.
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Abell, David I. "A review of directors' and officers' liability insurance policy wordings in light of the Statewide Tobacco, National Safety Council, AWA & East End court decisions." Thesis, 1993. https://vuir.vu.edu.au/15554/.
Full textAbstract:
The Statewide Tobacco, National Safety Council & AWA decisions have generated a good deal of comment in business circles and in the media. References have been made in legal and business journals as to the importance of Directors' and Officers' Liability (D & O) insurance when
discussing these court decisions. Unfortunately, for the purchasers of this class of insurance there is very little written material as to how to adequately evaluate the different D & 0 insurance policies offered by underwriters.
This paper examines the background of this class of insurance and suggests a way of comparing the various policies offered by the insurance market and a number of risk minimisation strategies.
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Xia, Guolin Glen. "Cloud computing adoption and utilization drivers and inhibitors - case studies from large financial institutions in Australia." Thesis, 2017. http://hdl.handle.net/1959.13/1349816.
Full textAbstract:
Professional Doctorate - Doctor of Business Administration (DBA)With the advancement of internet, telecommunication and mobile technologies, new digitally-driven business models have emerged which are disrupting traditional business models and are having a profound impact on entire industries around the world. Enterprises today are facing unprecedented challenges and are required to change their approach to provisioning and consuming technology services. Cloud computing is a key enabler for this change. Being acclaimed as a disruptive innovation, cloud computing has contributed to the success of start-ups and industry disrupters, since it allows them to provide technology services at speed and scale without the commitment and investment of costly technology infrastructure. However, despite general acceptance by organizations worldwide, cloud computing adoption by large enterprises, particularly those from highly regulated industries such as financial services, has been slow and its utilization has so far been in very limited areas. It is important to understand the factors which impact these large organizations’ decision for adopting and utilizing cloud computing, so that actions can be taken to facilitate the adoption and utilization processes. The objective of this study is to gain deep understanding of drivers and challenges associated with cloud computing adoption and utilization by large financial institutions in Australia. Through multiple case study grounded on the TOE framework, involving a major bank and a large insurance company in Australia, this study reveals a common set of drivers and challenges, which will be useful for guiding cloud adoption and utilization for companies in similar situations. It also recommends actions for overcoming challenges identified through this study.
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Service, David. "Disability Income Insurance - The Australian Experience 1980-2001." Phd thesis, 2010. http://hdl.handle.net/1885/49359.
Full textAbstract:
This thesis examines the experience of disability income insurance in Australia from 1980 to 2001. The data underlying the work was generously provided by the Institute of Actuaries of Australia which has collected data from the major companies which have written this business since 1976. The focus in this work is on the claims behaviour of those who have been insured and the implications to be drawn from the observations about that behaviour. This information is intended to be valuable to individual companies as they seek to make decisions about their pricing, underwriting and claims management so as to ensure adequate profitability of this line of business. The work demonstrates the following key conclusions. There have been very radical changes in the characteristics of the business over the period and in the resulting experience. In particular, the claim termination experience has deteriorated dramatically with average claim durations now around twice that at the start of the period, the structure of IAD8993 is no longer representative of the aggregate industry experience. This is particularly so in respect to incidence, where only one of the six characteristics included has its 'shape' confirmed by the experience. The other five have statistically significant evidence that their 'shape' is not consistent with the experience. For terminations three of the six are confirmed. Many of the additional characteristics examined demonstrate that they are significant predictors of experience. In respect to incidence six of the eight examined were significant. In respect to terminations only two of the eight were significant. There is a material element of seasonality in respect to both incidence and terminations. While the Australian experience is materially better than the corresponding USA experience the worsening experience for medical occupations in the USA should be taken as a warning to Australia of the potential which exists in this occupation subclass. There is a serious body of circumstantial evidence supporting the hypothesis that the experience of disability income insurance is significantly influenced by 'state of mind' rather than 'state of body'.