Split medical cost distribution 1, 1998 Artikler før 2014 International 43 sure have to pay for individuals with a higher risk profile. To illustrate the functioning of a mixed market under a high-cost protection, assume that the medical cost distribution goes from health state j = 0, which indicates healthi- ness and requires zero medical costs, to jm= , which is the maximum medical care expenditure that can be ins...
Virksomhedernes sociale medansvar 1, 1998 Artikler før 2014 Karen Jespersen International 37 NFT 1/1998 Historien om “Det angår os alle“ I januar 1994 lancerede jeg kampagnen “Det angår os alle - et initiativ om virksomhedernes sociale medansvar“. Det var en beskeden start, hvor Socialministeriet betrådte jom- fruelig jord. Hidtil har det offentlige over bistandsloven m.v. taget sig af alle de sociale problemer - uanset at en række a...
Risikoen ved aksjeplasseringer på lang sikt 1, 1998 Artikler før 2014 Olav Vannebo International 27 NFT 1/1998 Innledning Det er neppe noen tvil om at man generelt kan forvente høyere avkastning ved aksjeplasse- ringer enn om man for eksempel setter pengene i banken. Historiske erfaringer tilsier en mer- avkastning i en balansert aksjeportefølje som ligger i størrelsesorden fire prosentpoeng over en såkalt risikofri rente. Meravkastningen h...
Konsumentförsäkringslagens 31§ och säkerhetsföreskrifterna 1, 1998 Artikler før 2014 Eva Lindell-Frantz International 1 NFT 1/1998 Inledning Min avhandling, som lades fram vid Lunds Universitet i maj 1996, presenterades i januari i år på ett möte arrangerat av Svenska Försäk- ringsföreningen. I samband med detta blev jag ombedd att i en artikel i NFT redovisa en del av mina forskningsresultat samt min syn på utvecklingen på konsumentförsäkrings- området efter l...
Stipendiatresa till England - Allocation of Asbestos Claims 4, 1997 Artikler før 2014 Ida Johansson Engelsk 397 NFT 4/1997 Historical Background Many lives have been saved by the fire retarding effect of asbestos. It is however a known fact that the inhalation of large quan- tities of asbestos fibres may lead to asbesto- sis, lung cancer and mesothelioma. Asbestosis is a disease which resembles silicosis. Mesothelioma is a form of malig- nant lung can...
Stipendiatresa till England - Latent claims 4, 1997 Artikler før 2014 Ann Wickman Engelsk 395 NFT 4/1997 Environmental pollution, pharmaceutical pro- ducts and asbestos related diseases are exam- ples of the so called latent claims of an older date. Newer ones are breast implants, tobacco, electromagnetic fields (EMF) and possibly sexual harassment. A few factors unlikely to change play a significant role in the development of latent...
Stipendiatresa till England - Insurance Brokers role at the London Market 4, 1997 Artikler før 2014 Fredrik Furugren Engelsk 393 NFT 4/1997 Traditional role of the Insurance Broker The traditional role of the Insurance Broker has been to act as an intermediary in placing and handling of insurance business between the clients and the insurance companies. In this role it is common that the Insurance Broker develops new products and modifies existing products to meet the...
Stipendiatresa till England - The Company Market in the London Market – ILU & LIRMA 4, 1997 Artikler før 2014 Karl Mårtensson Engelsk 389 NFT 4/1997 The insurance companies write about half of the premium in the London market. Almost as much is written by the Lloyd’s syndicates and the balance (5 %) is written by the Marine P&I Clubs. ILU and LIRMA could be de- The Company Market in the London Market – ILU & LIRMA by Karl Mårtensson, Sirius International Karl Mårtensso...
Tort liability and patient insurance schemes – their influence on quality of care 4, 1997 Artikler før 2014 Bo von Eyben International 383 NFT 4/1997 A liability for faults According to traditional rules of tort law a dentist is liable only for injuries caused by negligence, i.e. injuries resulting from exami- nation or treatment (or lack of it) that do not meet the professional standard which could reasonably be required under the circum- stances – in short: A liability for fa...
European insurers meet consumers’ expectations 4, 1997 Artikler før 2014 Engelsk 377 NFT 4/1997 Firstly, I should like to thank the Swedish Insurance Federation for having invited me to present, on the central theme of ”Insurance for consumers” adopted by its Annual Assembly, the data, challenges and stakes at issue in this Europeanwide dossier. I see this as a manifestation of the Swedish market’s concern – as the birthplac...