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Journal articles on the topic 'Risk (Insurance)'

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Published: 4 June 2021

Last updated: 5 March 2023

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1

Mirjalil, Iskandarov Abdurasul. "AGRICULTURAL RISK INSURANCE." European International Journal of Multidisciplinary Research and Management Studies 02, no. 09 (September 1, 2022): 56–57. http://dx.doi.org/10.55640/eijmrms-02-09-12.

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Agriculture is a sector facing many risks. Agricultural risks have become the object of many scientific studies as a result of their direct impact on the food security of the state and thereby the standard of living of the population. Agricultural risks have their own characteristics. Also, the classification of agricultural risks is specific to industry risks. The article considers two main principles of risk classification and proposes a classification model based on the principle of grouping.

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2

Mualem, Elinor, and Abraham Zaks. "Risk premiums in life insurance." Insurance Markets and Companies 10, no. 1 (January 31, 2019): 1–8. http://dx.doi.org/10.21511/ins.10(1).2019.01.

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3

Prokopjeva, Evgenija, Evgeny Tankov, Tatyana Shibaeva, and Elena Perekhozheva. "Behavioral models in insurance risk management." Investment Management and Financial Innovations 18, no. 4 (October 21, 2021): 80–94. http://dx.doi.org/10.21511/imfi.18(4).2021.08.

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Behavioral characteristics attributed to consumers of insurance services are a relevant factor for analyzing the current situation in the insurance market and developing effective strategies for insurers’ actions. In turn, considering these characteristics allows the insurer to be more successful in the highly competitive field, achieving mutual satisfaction in interacting with the customer. This study is aimed to develop cognitive models of the situation (frame) “Insurance”, taking into account the specifics of the Russian insurance market and systemic factors affecting participants’ behavior in the market. In this regard, the study involves systemizing risks at various levels of the economic system, generalizing factors for the motivation of insurance consumers, developing descriptive and economic-mathematical models for the behavior of economic entities in risky situations.The results obtained represent a behavioral model of interactions among insurance market entities, which determines opportunities for efficient and mutually beneficial coordination of their activities. The developed model includes the following elements: structured individual and institutional frames “Insurance”; a professional index of interest in insurance presented in the form of a mathematical model; methodology for governing the relationships among insurance participants in the digital environment.The recommendations enable predictions of the situation in the insurance market and allow most accurately defining the consumer needs in the conditions of market changes.

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4

Chi, Yichun, and Ken Seng Tan. "OPTIMAL INCENTIVE-COMPATIBLE INSURANCE WITH BACKGROUND RISK." ASTIN Bulletin 51, no. 2 (March 29, 2021): 661–88. http://dx.doi.org/10.1017/asb.2021.7.

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ABSTRACTIn this paper, the optimal insurance design is studied from the perspective of an insured, who faces an insurable risk and a background risk. For the reduction of ex post moral hazard, alternative insurance contracts are asked to satisfy the principle of indemnity and the incentive-compatible condition. As in the literature, it is assumed that the insurer calculates the insurance premium solely on the basis of the expected indemnity. When the insured has a general mean-variance preference, an explicit form of optimal insurance is derived explicitly. It is found that the stochastic dependence between the background risk and the insurable risk plays a critical role in the insured’s risk transfer decision. In addition, the optimal insurance policy can often change significantly once the incentive-compatible constraint is removed.

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5

Zolotukhin, Aleksei. "Legal nature of business risk insurance." SHS Web of Conferences 50 (2018): 01227. http://dx.doi.org/10.1051/shsconf/20185001227.

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This paper raises the question of the legal nature of business risk insurance. A conclusion is made that the legal understanding of business risk insurance should be built upon the unity of the actual content of this type of insurance and its legal form. The presence of a special subject on the policy holder’s side in business risk insurance determines the features of the object of such type of insurance, which is represented by an entrepreneur’s insurable interests related to one’s business activity. In the legal sense, insurance is a legal relationship and is characterized by a bilateral connection between the insurer and the policyholder that manifests in a unity of their subjective rights and responsibilities. Two aspects of insurance indicate not the existence of two independent notions free from each other: insurance in the economic sense and insurance in the legal sense, but rather demonstrate two aspects of one phenomenon that exist in an inseparable unity. In the course of comparing business risk insurance and liability insurance, the author comes to a conclusion that unlike liability insurance, business risk insurance is connected not with the policyholder’s wrongful behavior but, on the contrary, with the possible dishonesty of their contracting party.

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6

Chi, Yichun, and Wei Wei. "OPTIMUM INSURANCE CONTRACTS WITH BACKGROUND RISK AND HIGHER-ORDER RISK ATTITUDES." ASTIN Bulletin 48, no. 3 (April 25, 2018): 1025–47. http://dx.doi.org/10.1017/asb.2018.20.

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AbstractIn this paper, we study an optimal insurance problem in the presence of background risk from the perspective of an insured with higher-order risk attitudes. We introduce several useful dependence notions to model positive dependence structures between the insurable risk and background risk. Under these dependence structures, we compare insurance contracts of different forms in higher-order risk attitudes and establish the optimality of stop-loss insurance form. We also explicitly derive the optimal retention level. Finally, we carry out a comparative analysis and investigate how the change in the insured's initial wealth or background risk affects the optimal retention level.

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7

Rogoziński, Dawid. "Securing Bank Claims by means of Credit Risk Insurance versus Insurance Recourse." Prawo Asekuracyjne 3, no. 100 (September 15, 2019): 47–61. http://dx.doi.org/10.5604/01.3001.0013.5733.

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This article examines the specific nature of the insurance of risks directly related to lending. The dynamic development of cooperation between banking and insurance industries has resulted not only in a greater popularity of the coverages already existing on the market, but also in new types of insurance products directly linked to banking operations and covering risks that were traditionally non-transferable to insurance undertakings. Further comments refer to the functions of insurance recourse in relations with banks. However, the main focus of this study is the confrontation of results of those analyses with the phenomenon of directing recourse claims to the entities carrying the actual and final burden of the insurance cost (borrowers). Moreover, practical solutions adopted by credit institutions which involve the treatment of credit risk insurances as payment protection methods and consequently shift the burden of insurance premium onto the borrower have been assessed.

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8

Sukach, Olena, and Svitlana Kozlovska. "Insurance Market Risk Management." Modern Economics 25, no. 1 (February 23, 2021): 142–47. http://dx.doi.org/10.31521/modecon.v25(2021)-22.

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Abstract. Introduction. The modern insurance market is characterized by a negative trend of reduction of companies-participants of the market. This situation is associated with a number of factors: crisis phenomena in the economy, a decrease in solvent demand, increased risks, growth of unprofitability of the insurance sector, regulatory work of the state. Рurpose. The main purpose of the study is to analyze the domestic insurance market, to identify modern methods and approaches to risk management in the market. The research methodology is based on modern provisions of statistical and economic analysis, empirical research, as well as methods of expert assessments. Results. The article reveals the risks of insurers taking into account the specifics of their manifestation, as well as the specific features of risk management of insurance companies. The problems of managing risks that affect financial stability in insurance companies in modern conditions are examined in the article. A classification of insurance risks and their impact on insurance companies are prepared. It is shown that today a wide range of techniques for estimating the insurance risks exist. The reference points that should be included in the system of risk management of the insurance organization at the present stage are determined. Conclusions. According to the results of the study, a decrease in insurance companies operating in the market, a decrease in premiums and total assets was noted. The expediency of building an optimal risk management system that affects the financial stability of the insurance business has been determined. The application of an integrated approach to risk management of insurance companies has been substantiated. Keywords: risk; risk management; insurance; insurance market; insurer; government regulation; risk classification; risk management strategy.

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9

Korstanje, Maximiliano Emanuel, and Babu P. George. "What does insurance purchase behaviour say about risks?" International Journal of Disaster Resilience in the Built Environment 6, no. 3 (September 14, 2015): 289–99. http://dx.doi.org/10.1108/ijdrbe-09-2012-0030.

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Purpose – This paper aims to explore the world of insurances as rites of adaptancy and resiliency before risk and disasters. The research on risks, both perceived and real, has become a frequent theme of academic research in the recent past. Design/methodology/approach – The information given by the superintendencia de Seguros de Buenos Aires involves 100 per cent of the insurances companies of Argentina. The reading of insurance demands corresponds with a new method in the studies of risks. Findings – Using advanced probability theory and quantitative techniques, risk management researchers have been able to construct sophisticated mathematical-statistical models of risk. Research limitations/implications – However, the relation between anticipated risks and insurance purchase behaviour has not received sufficient attention. In the present study, starting from the premise that societies may be studied by examining their fears, the authors posit that these fears are represented in the insurance premiums people buy for being protected. Originality/value – Insurance purchase behaviour at any particular point in time is a measure of what a society considers to be risky at that time and is a key source of information for tourism managers.

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10

Cox, Arthur T., A. Frank Thompson, Mark Greene, James Trieschmann, and Sandra Gustavson. "Risk and Insurance." Journal of Risk and Insurance 60, no. 3 (September 1993): 521. http://dx.doi.org/10.2307/253043.

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11

Scroggins, William A., Mark R. Greene, and James S. Trieschmann. "Risk and Insurance." Journal of Risk and Insurance 57, no. 2 (June 1990): 357. http://dx.doi.org/10.2307/253314.

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12

Brockett, Patrick L., Harry H. Panjer, and Gordon E. Willmot. "Insurance Risk Models." Journal of Risk and Insurance 61, no. 1 (March 1994): 156. http://dx.doi.org/10.2307/253434.

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13

Brotman, Billie Ann, James L. Athearn, and S. Travis Pritchett. "Risk and Insurance." Journal of Risk and Insurance 52, no. 4 (December 1985): 759. http://dx.doi.org/10.2307/252322.

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14

Wattman, Malcolm P., and Kimberly Jones. "Insurance Risk Securitization." Journal of Structured Finance 12, no. 4 (January 31, 2007): 49–54. http://dx.doi.org/10.3905/jsf.12.4.49.

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15

Galvao, Daniel. "Political Risk Insurance." Journal of Structured Finance 7, no. 2 (July 31, 2001): 35–42. http://dx.doi.org/10.3905/jsf.2001.320250.

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16

Mitchell, John, and Bee Kalsi. "IT Risk Insurance." ITNOW 59, no. 4 (2017): 52–53. http://dx.doi.org/10.1093/itnow/bwx135.

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17

Habibaty, Diana Mutia, and Ah Azharuddin Lathif. "INSURANCE WAQF PHENOMENCES IN THE INSURABLE INTEREST PERSPECTIVE." Penamas 33, no. 2 (December 31, 2020): 225. http://dx.doi.org/10.31330/penamas.v33i2.409.

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Waqf insurance is a new breakthrough in the field of waqf and sharia insurance. This product collaborates between waqf and insurance products. The insurance waqf product is considered contrary to one of the insurance principles, namely the principle of insurable interest (Insurable Interest Principle). This principle states that the insured party (the insured / insurance participant) must have an interest in the object of insurance (life / object). This principle was born because everyone insures himself / his property because the person / property has the risk of being damaged / lost, whereas if someone chooses to have waqf or not, it does not actually pose any risk. This study uses an empirical approach in which an analysis of the Islamic waqf insurance contract is carried out and compares it with the basic principles of insurance. In addition, interviews were conducted with experts to deepen the study under study. The results of the study state that waqf insurance products in Sharia insurance can be used as part of insurance products by following the provisions of the DSN-MUI fatwa NO.106 / DSN-MUI / X / 2016 concerning Waqf Insurance Benefits and Investment Benefits in Sharia Insurance. By referring to this fatwa, the waqf insurance product has fulfilled the principle of insurable interest by stating that the maximum waqf that can be made on the insurance waqf product is 45%, while the other 55% is returned to the insurance participant or the beneficiary (if the insurance participant dies before the insurance contract is completed. ) as a form of risk mitigation and implementing the principle of insurable interest.

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18

Cervellati, Enrico Maria, Francesco Corea, and Paolo Zanghieri. "Entrepreneurs’ behavioural biases, risk misperception and company underinsurance." Risk Governance and Control: Financial Markets and Institutions 9, no. 4 (2019): 49–66. http://dx.doi.org/10.22495/rgcv9i4p5.

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We analyse the effect of behavioural biases on entrepreneurs’ decisions to insure their firms against different kinds of corporate risks. We use a large sample of 2,295 Italian small and medium enterprises (SMEs), finding that they under-insure themselves. Since SMEs should insure more – in proportion – compared to bigger companies, analysing the reasons for this underinsurance is relevant to improve entrepreneurs’ decisions and help their firms, but also from a policy-making point of view. We link corporate insurance choices with the entrepreneurs’ personal characteristics and behavioral traits as well as with their households’ financial choices. Our methodology uses stepwise regressions to discern which variables are statistically significant. In our results, we find that entrepreneurs not only underinsure their firms but also themselves, thus exposing themselves, their firms and their families to high idiosyncratic risk. We find that these suboptimal decisions are affected by behavioural biases such as overconfidence, over optimism, risk misperceptions, and stubbornness, even though in a not straightforward manner. We measure both the overall effect on the number of insurances underwritten and on the specific type of insurance contract. In general, we find that relatively bigger firms do buy more insurance, and that trust in insurance companies is a key driver to insurance purchasing, as well as the estimated probability of suffering damages in the future. In contrast, entrepreneurs do underwrite fewer insurance contracts if their firms caused or suffered damages in the past, but also if they possess personal insurances, thus treating them as substitutes for firm insurance. Since SMEs represent a very important part not only of the Italian economy but also of the economy of many other countries, analyzing their insurance-related decisions is relevant because understanding the determinants that may lead entrepreneurs to mitigate the risks they face is beneficial not only for them and their firms but also for the economy as a whole.

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19

Bähre, Erik. "THE JANUS FACE OF INSURANCE IN SOUTH AFRICA: FROM COSTS TO RISK, FROM NETWORKS TO BUREAUCRACIES." Africa 82, no. 1 (January 19, 2012): 150–67. http://dx.doi.org/10.1017/s0001972011000787.

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ABSTRACTThis study examines the consequences of the rapid and unprecedented expansion of insurances for the poor in South Africa. Over the last ten years, South African insurance companies established a myriad of policies in order to incorporate the previously excluded, mostly African, poor and lower middle classes. While poverty, violence and AIDS put state institutions and social relations under pressure, insurances enable people to manage risks in hitherto unthinkable ways. The article examines the development of this new regime of risk as a Janus head, after the Roman god of opening and closing. At the heart of access to insurance were the incongruencies that were caused by the ‘translation’ of risk into the seemingly neutral concept of costs and the inability of brokers and intermediary organizations to navigate these translations successfully. Access to insurance – here not defined as having an insurance policy but as making a successful claim when confronted with the insured risk – was fraught with the contradictions of complex high-tech bureaucracies and the poor's social networks.

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20

Kislingerová, Sofia, and Jindřich Špička. "Factors Influencing the Take-Up of Agricultural Insurance and the Entry into the Mutual Fund: A Case Study of the Czech Republic." Journal of Risk and Financial Management 15, no. 8 (August 16, 2022): 366. http://dx.doi.org/10.3390/jrfm15080366.

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The objective of the study was to identify the main factors influencing farmers’ willingness to take up agricultural insurance and participate in a mutual fund for non-insurable risks in the Czech Republic. Responses from 214 representative farms were processed using descriptive statistics, paired t-tests, binary logistic regression, and contingency analysis. The regression model showed the influences of agricultural area, distrust in insurance companies, the probability of losing more than 20% of production, the price of insurance premiums, and having a developed formal strategy on the likelihood of taking up agricultural insurance. Unlike previous empirical studies, this study did not attempt to look at agricultural insurance as an isolated risk management tool but rather to show the interrelationship between farmers’ decisions to join a mutual fund and their choice of agricultural insurance. Farmers expect most agricultural production risks to become significantly more important. With the ongoing economic crisis in the EU, there is growing pressure to reduce ad hoc public spending on coverage of non-insurable risks and to seek alternative solutions. The study also shows the need for a holistic approach to the design of risk management support systems in EU countries.

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21

Cox, Samuel H., and Robert G. Schwebach. "Insurance Futures and Hedging Insurance Price Risk." Journal of Risk and Insurance 59, no. 4 (December 1992): 628. http://dx.doi.org/10.2307/253347.

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22

Szpiro, George G. "Insurance, risk aversion and demand for insurance." Journal of Banking & Finance 6 (January 1988): 1–125. http://dx.doi.org/10.1016/0378-4266(88)90062-3.

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23

Osipenko, Maria, Zhiwei Shen, and Martin Odening. "Is there a demand for multi-year crop insurance?" Agricultural Finance Review 75, no. 1 (May 5, 2015): 92–102. http://dx.doi.org/10.1108/afr-12-2014-0043.

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Purpose – The purpose of this paper is to examine the aggregate demand for single- and multi-year crop insurance contracts and to discuss market potential for multi-year crop insurances. Design/methodology/approach – In this paper the authors develop a dynamic discrete choice model of insurance alternatives, in which single- and multi-year insurance contracts are offered to heterogeneous risk averse farmers. The farmers determine their insurances choices based on inter-temporal utilities. Findings – The results show that in a competitive insurance market with heterogeneous risk averse farmers, there is simultaneous demand for both insurance contracts. Moreover, the introduction of multi-year contracts enhances the market penetration of insurance products. Research limitations/implications – The effect of introducing multi-year crop insurance is moderate when applying the model to US corn production. In practice, however, the increase of insurance demand could be more pronounced because we did not consider marketing and administrative costs and thus ignore this cost reduction potential of multi-year insurance. Originality/value – This study adds to the literature analyzing the feasibility of multi-year crop insurance and also shows that there is market potential for multi-year crop insurance.

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24

Zaman, M. Raquibuz. "Some Issues In Risk Management and Insurance In a Non-Muslim State." American Journal of Islam and Society 5, no. 2 (December 1, 1988): 263–73. http://dx.doi.org/10.35632/ajis.v5i2.2717.

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IntroductionThis paper is not intended to be a discourse on whether or not insuranceis permitted under Islam. The subject is controversial and, hence, there areat least five different viewpoints on the subject which are:1. Insurance is permissible (mutbuh).2. Insurance is prohibited (haram).3. Insurance is not permitted in an Islamic state (dar-ul-Islam) .4 . Insurance may be permissible between Muslim policy holdersand non-Muslim insurers in a non-Muslim state whereMuslims have religious freedom and security (dar-ul-amn),and in an enemy state (dar-ul-harb), if required to do so.5 . Insurance provides important social benefits which areotherwise not available at all. However, some features and/orpractices of modem insurance companies are undesirable and,hence, they must be changed before insurance can be permitted. The controversy on insurance is quite understandable. There was no suchinstitution in existence at the time of the Prophet (on him be peace) or the ...

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25

Woo, Chi-Keung, Jay Zarnikau, Asher Tishler, and Kang Hua Cao. "Insuring a Small Retail Electric Provider’s Procurement Cost Risk in Texas." Energies 16, no. 1 (December 29, 2022): 393. http://dx.doi.org/10.3390/en16010393.

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Motivated by the relatively infrequent but very large price spikes in the day-ahead and real-time energy markets operated by the Electric Reliability Council of Texas, this paper proposes an insurance that a small and risk-averse retailer in Texas (i.e., a retail electric provider (REP)) may buy to prevent financial insolvency caused by inadequate risk management. It also demonstrates the insurance’s practical design, pricing, and implementation. As participation in the REP’s procurement auction is voluntary, the insurance is mutually beneficial for the REP and the insurance seller. Hence, the proposed insurance is a newly developed wholesale market product that deserves consideration by REPs in Texas and competitive retailers elsewhere.

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26

Jones, Stanley, Donald M. Cohodes, and Barbara Scheil. "The Risks of Ignoring Insurance Risk Management." Health Affairs 13, no. 2 (January 1994): 108–22. http://dx.doi.org/10.1377/hlthaff.13.2.108.

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27

Brockett, Patrick L., Samuel H. Cox, and Robert C. Witt. "Insurance versus Self-Insurance: A Risk Management Perspective." Journal of Risk and Insurance 53, no. 2 (June 1986): 242. http://dx.doi.org/10.2307/252374.

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28

Tapiero, Charles S., Yehuda Kahane, and Laurent Jacque. "Insurance premiums and default risk in mutual insurance." Scandinavian Actuarial Journal 1986, no. 2 (April 1986): 82–97. http://dx.doi.org/10.1080/03461238.1986.10413796.

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29

Brown, Jeffrey R., Randall S. Kroszner, and Brian H. Jenn. "Federal Terrorism Risk Insurance." National Tax Journal 55, no. 3 (September 2002): 647–57. http://dx.doi.org/10.17310/ntj.2002.3.13.

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30

Baird, Ian McLean. "Obesity and Insurance Risk." PharmacoEconomics 5, Supplement 1 (1994): 62–65. http://dx.doi.org/10.2165/00019053-199400051-00013.

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31

Chen, Liansheng, and Jinhua Tao. "Mixed Insurance Risk Models." Missouri Journal of Mathematical Sciences 8, no. 1 (February 1996): 3–10. http://dx.doi.org/10.35834/1996/0801003.

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32

Sakshi, Vasudeva. "Catastrophic risk and insurance." Management & Avenir 27, no. 7 (2009): 225. http://dx.doi.org/10.3917/mav.027.0225.

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33

PonArul, Richard, and Henri Louberge. "Risk, Information and Insurance." Journal of Risk and Insurance 59, no. 1 (March 1992): 158. http://dx.doi.org/10.2307/253226.

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34

Vértesy, László. "Risk Management and Insurance." Gazdaság és Társadalom 2013, no. 1 (2013): 27–42. http://dx.doi.org/10.21637/gt.2013.1.02.

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35

MTW and G. Ottaviani. "Financial Risk in Insurance." Journal of the American Statistical Association 94, no. 445 (March 1999): 351. http://dx.doi.org/10.2307/2669731.

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36

Dassios, A., and P. Embrechts. "Martingales and insurance risk." Communications in Statistics. Stochastic Models 5, no. 2 (January 1989): 181–217. http://dx.doi.org/10.1080/15326348908807105.

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37

Schmidli, Hanspeter. "Insurance Risk and Ruin." Journal of the American Statistical Association 101, no. 475 (September 2006): 1316. http://dx.doi.org/10.1198/jasa.2006.s131.

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38

West, Gerald T. "Political Risk Investment Insurance." Journal of Structured Finance 5, no. 2 (July 31, 1999): 27–36. http://dx.doi.org/10.3905/jsf.1999.320206.

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39

Bland, David E. "Risk management in insurance." Journal of Financial Regulation and Compliance 7, no. 1 (January 1999): 13–16. http://dx.doi.org/10.1108/eb024991.

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40

Frees, Edward. "Insurance Portfolio Risk Retention." North American Actuarial Journal 21, no. 4 (September 26, 2017): 526–51. http://dx.doi.org/10.1080/10920277.2017.1317272.

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41

Hatchek, Helen. "Liability insurance: risk assessment." Safety Science 15, no. 4-6 (November 1992): 403–17. http://dx.doi.org/10.1016/0925-7535(92)90028-x.

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42

Butterworth, Mark. "Risk Management and Insurance." Risk Management 5, no. 4 (October 2003): 75–76. http://dx.doi.org/10.1057/palgrave.rm.8240168.

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43

Natale, W. K. "Risk-related health insurance." JAMA: The Journal of the American Medical Association 269, no. 2 (January 13, 1993): 213–14. http://dx.doi.org/10.1001/jama.269.2.213.

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44

Hogarth, Robin M., and Howard Kunreuther. "Risk, ambiguity, and insurance." Journal of Risk and Uncertainty 2, no. 1 (April 1989): 5–35. http://dx.doi.org/10.1007/bf00055709.

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45

Mitka, Mike. "High-Risk Insurance Pools." JAMA 302, no. 14 (October 14, 2009): 1522. http://dx.doi.org/10.1001/jama.2009.1460.

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46

Natale, William K. "Risk-Related Health Insurance." JAMA: The Journal of the American Medical Association 269, no. 2 (January 13, 1993): 213. http://dx.doi.org/10.1001/jama.1993.03500020047018.

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47

Brillinger, David R. "Earthquake risk and insurance." Environmetrics 4, no. 1 (March 1993): 1–21. http://dx.doi.org/10.1002/env.3170040102.

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48

Baskot, Bojan, and Stanko Stanic. "Parametric crop insurance against floods: The case of Bosnia and Herzegovina." Ekonomski anali 65, no. 224 (2020): 83–100. http://dx.doi.org/10.2298/eka2024083b.

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The importance of risk management in agriculture is unquestionable. Farmers in Bosnia and Herzegovina face weather, product, and price and market risk. Index-based insurance products for agriculture present alternatives for managing weather risk. They differ from classical insurance products in that they do not remunerate actual loss and to purchase a weather index insurance policy the insured does not actually have to have an insurable interest. In this research, two flood parametric insurance products are presented, one with fixed compensation and the other with compensation proportional to flood intensity.

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49

Samudera, Berto Tegar. "Rejection of Accident Insurance Claims by Insurance Companies." NORMA 18, no. 2 (July 30, 2021): 1. http://dx.doi.org/10.30742/nlj.v18i2.1585.

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Insurance is a form of compensation for the occurrence of uncertain risks and the delegation of responsibility to bear those risks. The event of this risk is uncertain because it depends on uncertainty. The transfer of risk is carried out by making an insurance agreement or insurance agreement. The first party is usually referred to as the insured. The second is the party willing to accept the risk of the first party by accepting a payment called a premium. Risk takers are often referred to as insurance companies. The research method used in this study uses a legal approach research method (statute approach) and a conceptual approach (conceptual approach). Based on the results of this study, the researcher states that the basis or cause of the rejection of an insurance agreement is because the insurance agreement is a conditional agreement, where the insurer only bears the loss suffered by the insured party following the terms of the event that resulted in the loss to the insured as agreed, by the parties in the insurance agreement. Or the insured party does not carry out its obligations to pay premiums to the insurer. The legal remedy that the insured party can take if the insurer rejects the claim is to file a lawsuit at the local District Court, as regulated in Article 23 of Law no. 8 of 1999. It can be completed through the BMAI institution.Keywords: Insurance, Claim, Dispute Resolution.

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Cupido, Kim, and Jean-Paul Van Belle. "A Digitally Enabled Strategic Sourcing Process to Mitigate Risk." Journal of Information Technology Education: Discussion Cases 6 (2017): 08. http://dx.doi.org/10.28945/3924.

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Abstract:

A South African insurance company is considering how to automate the process of handling home insurance repair claims in order to make the process more efficient and improve the customer experience. Should they stick with the status quo, develop their own system, purchase existing technology or employ a hybrid solution? ABC Insurance was a leading short-term insurer in South Africa. The FSB (Financial Services Board) of South Africa defined short term insurance cover as indemnification secured by the insurance purchaser over their fixed and movable assets (FSB, n.d.). Such insurable assets could be one’s home (the actual building) or motor vehicle (https://www.fsb.co.za). The purchased insurance cover protected the policyholder (customer) against total loss or accidental damage, as a result of insurable events like fires or floods. In exchange, payment for insurance cover (referred to as the “premium”), was collected by the insurance company from its customers. Andrew Cohen, commodity manager for the Non-Automobile Property and Casualty procurement division at ABC Insurance, was faced with the choice of either digitizing the day to day claims fulfillment procedures within his portfolio, or to continue his business unit’s activities “as is.” The main function of Cohen’s business unit was to ensure that home owners (policyholders) who purchased insurance cover over their fixed assets (i.e., buildings insurance) could access and receive the required repair services as per the provisions set out in their insurance policies. In delivering these services to the policyholders, Cohen’s immediate challenges were that he had to increase efficiency within the claims environment, meet customer demand and enhance operational processes while concurrently accelerating daily business operations. In opposition to maintaining the status quo, his options were to either build an in-house solution, or purchase an existing tool and customize it to his organization’s requirements. His preliminary cost benefit analysis showed that choosing to remain “as is” would cost the firm nothing in terms of immediate cash outflows, but in the long term would expose management to the risk of not capitalizing on opportunities to service their customers quickly and efficiently, infuse transparency into the appointment procedure of suppliers on repair claims, and gain line of sight of interactions between the firm, its service providers, and its customers. He furthermore surmised that whatever the solution was it might require the firm to make initial investments of time for the re-organization of internal processes and new information technology competencies to acquire. To select an ideal solution, he would need to weigh the risks of remaining “as is” against the benefits of infusing mobile technology such as a mobile app into his portfolio, and ultimately, into the core day-to-day operations of the firm as well.

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