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Results for “Insurance Selection Bias”

Search indexed PubMed citations on genomics, clinical trials, systematic reviews and public health. Explore titles, authors and supplied subject terms, then open the PubMed record.

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At least 325 records · Page 18Linked to original sources
PubMed1995

Disability insurance overview.

In summary, I think the industry is doing the right things to return to profitability. Rates are increasing, underwriting and products are tightening, claim administration is becoming more proactive, and reserves are being strengthened. I think this will lead to future profitability, and future profitability will attract some new companies into the marketplace. The real long-term question is, once profitability has returned, will the industry shoot itself in the foot again in its efforts to do competitive battle?

Actuarial Analysis↗
PubMed1992

The practice and ethics of risk-rated health insurance.

Health insurance in the United States is driven by competitive risk rating and is promoted as the best way to give policyholders optimal value for their money and to be fair to those with lower risks. In practice, however, competitive risk rating costs more than noncompetitive, universal systems of health insurance, and it erodes the basic function of insurance to spread infrequent large losses over a wide base. This article describes not only how risk rating covers least those with the greatest medical bills, but also how it has spawned a labyrinth of complex manipulations by insurance companies to charge more or pay less than actuarially fair risk rating would justify. The final section shows that even if risk rating were done fairly, it contradicts moral fairness. Many of the leading proposals for national health insurance do not address these practical and ethical issues. The medical profession and policymakers need to discuss them and take a stand on them.

Actuarial Analysis↗
PubMed1999

Understanding prohibitions against genetic discrimination in insurance.

The justification for laws prohibiting genetic discrimination in health insurance is not at all clear. Neither privacy protection, the distinctive features of health insurance, nor the distinction between presymptomatic genetic tendencies and actually manifested disease provide a justification, although certain practical considerations may justify these laws.

Genetic Privacy↗