The Experts below are selected from a list of 78606 Experts worldwide ranked by ideXlab platform
David Bernstein - One of the best experts on this subject based on the ideXlab platform.
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Intergenerational Transfers and Insurance Policy Design
North American Actuarial Journal, 2008Co-Authors: David BernsteinAbstract:Abstract Group health Insurance policies offering an identical benefit package to every member of the group result in lower expected health benefits for younger cohorts than older cohorts. The dispersion in Insurance benefits across age groups differs among Insurance policies. Simulation results presented in this paper demonstrate that a shift from comprehensive health Insurance to high-deductible health Insurance decreases the share of expected benefits going to younger cohorts. An estimated 81.5% of the 23-to-32-year-old cohort is expected to receive less than $500 in health benefits during a year for one prototypical high-deductible health plan. Low expected benefits for younger relatively healthy cohorts could increase the number of younger individuals who eschew health coverage. Age-rated premiums are probably the most straightforward way to stimulate demand for high-deductible health plans among younger healthier individuals.
Max H Bazerman - One of the best experts on this subject based on the ideXlab platform.
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signing at the beginning makes ethics salient and decreases dishonest self reports in comparison to signing at the end
Proceedings of the National Academy of Sciences of the United States of America, 2012Co-Authors: Lisa L Shu, Nina Mazar, Francesca Gino, Dan Ariely, Max H BazermanAbstract:Many written forms required by businesses and governments rely on honest reporting. Proof of honest intent is typically provided through signature at the end of, e.g., tax returns or Insurance Policy forms. Still, people sometimes cheat to advance their financial self-interests—at great costs to society. We test an easy-to-implement method to discourage dishonesty: signing at the beginning rather than at the end of a self-report, thereby reversing the order of the current practice. Using laboratory and field experiments, we find that signing before—rather than after—the opportunity to cheat makes ethics salient when they are needed most and significantly reduces dishonesty.
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signing at the beginning makes ethics salient and decreases dishonest self reports in comparison to signing at the end
2012Co-Authors: Lisa L Shu, Nina Mazar, Francesca Gino, Dan Ariely, Max H BazermanAbstract:Many written forms required by businesses and governments rely on honest reporting. Proof of honest intent is typically provided through signature at the end of, e.g., tax returns or Insurance Policy forms. Still, people sometimes cheat to advance their financial self-interests - at great costs to society. We test an easy-to-implement method to discourage dishonesty: signing at the beginning rather than at the end of a self-report, thereby reversing the order of the current practice. Using laboratory and field experiments, we find that signing before - rather than after - the opportunity to cheat makes ethics salient when they are needed most and significantly reduces dishonesty.Former working paper titles: “Curtailing Fraud: One Signature at a Time” and “When to Sign on the Dotted Line? Signing First Makes Ethics Salient and Decreases Dishonest Self-Reports.”
Ulrika Enemark - One of the best experts on this subject based on the ideXlab platform.
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national health Insurance Policy in nepal challenges for implementation
Global Health Action, 2015Co-Authors: Shiva Raj Mishra, Pratik Khanal, Deepak Kumar Karki, Per Kallestrup, Ulrika EnemarkAbstract:The health system in Nepal is characterized by a wide network of health facilities and community workers and volunteers. Nepal's Interim Constitution of 2007 addresses health as a fundamental right, stating that every citizen has the right to basic health services free of cost. But the reality is a far cry. Only 61.8% of the Nepalese households have access to health facilities within 30 min, with significant urban (85.9%) and rural (59%) discrepancy. Addressing barriers to health services needs urgent interventions at the population level. Recently (February 2015), the Government of Nepal formed a Social Health Security Development Committee as a legal framework to start implementing a social health security scheme (SHS) after the National Health Insurance Policy came out in 2013. The program has aimed to increase the access of health services to the poor and the marginalized, and people in hard to reach areas of the country, though challenges remain with financing. Several aspects should be considered in design, learning from earlier community-based health Insurance schemes that suffered from low enrollment and retention of members as well as from a pro-rich bias. Mechanisms should be built for monitoring unfair pricing and unaffordable copayments, and an overall benefit package be crafted to include coverage of major health services including non-communicable diseases. Regulations should include such issues as accreditation mechanisms for private providers. Health system strengthening should move along with the roll-out of SHS. Improving the efficiency of hospital, motivating the health workers, and using appropriate technology can improve the quality of health services. Also, as currently a constitution drafting is being finalized, careful planning and deliberation is necessary about what Insurance structure may suit the proposed future federal structure in Nepal.
Tung Thanh Tran - One of the best experts on this subject based on the ideXlab platform.
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catastrophic health expenditure of vietnamese patients with gallstone diseases a case for health Insurance Policy revaluation
ClinicoEconomics and Outcomes Research, 2019Co-Authors: Bach Xuan Tran, Tho Dinh Tran, Nila Nathan, Chau Quy Ngo, Loi Thi Nguyen, Long Hoang Nguyen, Huong Lan Thi Nguyen, Cuong Tat Nguyen, Trang Huyen Nguyen, Tung Thanh TranAbstract:Purpose Despite gallstone diseases (GSDs) being a major public health concern with both acute and chronic episodes, none of the studies in Vietnam has been conducted to investigate the household expenditure for the GSD treatment. The objective of this study was to estimate the costs of managing GSD and to explore the prevalence and determinants of catastrophic health expenditure (CHE) among Vietnamese patients. Materials and methods A cross-sectional study was conducted from June 2016 to March 2017 in the Department of Hepatobiliary and Pancreatic Surgery, Viet Duc Hospital in Hanoi, Vietnam. A total of 206 patients were enrolled. Demographic and socioeconomic data, household income, and direct and indirect medical costs of patients seeking treatment for GSD were collected through face-to-face interview. Multivariate logistic regression was used to explore factors associated with CHE. Results The prevalence of CHE in patients suffering from GSD was 35%. The percentage of patients who were covered by health Insurance and at risk for CHE was 41.2%, significantly higher than that of those noninsured (15.8%). Proportions of patients with and without health Insurance who sought outpatient treatment were 30.6% and 81.6%, respectively. Patients who were divorced or widowed and had intrahepatic gallstones were significantly more likely to experience CHE. Those who were outpatients, were women, had history of pharmacological treatment to parasitic infection, and belong to middle and highest monthly household income quantile were significantly less likely to experience CHE. Conclusion The findings suggested that efforts to re-evaluate health Insurance reimbursement capacity, especially for acute diseases and taking into account the varying preferences of people with different disease severity, should be conducted by health authority. Further studies concerning CHE of GSD in the context of ongoing health Policy reform should consider utilizing WHO-recommended measures like the fairness in financial contribution index, as well as taking into consideration the behavioral aspects of health care spending.
Lisa L Shu - One of the best experts on this subject based on the ideXlab platform.
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signing at the beginning makes ethics salient and decreases dishonest self reports in comparison to signing at the end
Proceedings of the National Academy of Sciences of the United States of America, 2012Co-Authors: Lisa L Shu, Nina Mazar, Francesca Gino, Dan Ariely, Max H BazermanAbstract:Many written forms required by businesses and governments rely on honest reporting. Proof of honest intent is typically provided through signature at the end of, e.g., tax returns or Insurance Policy forms. Still, people sometimes cheat to advance their financial self-interests—at great costs to society. We test an easy-to-implement method to discourage dishonesty: signing at the beginning rather than at the end of a self-report, thereby reversing the order of the current practice. Using laboratory and field experiments, we find that signing before—rather than after—the opportunity to cheat makes ethics salient when they are needed most and significantly reduces dishonesty.
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signing at the beginning makes ethics salient and decreases dishonest self reports in comparison to signing at the end
2012Co-Authors: Lisa L Shu, Nina Mazar, Francesca Gino, Dan Ariely, Max H BazermanAbstract:Many written forms required by businesses and governments rely on honest reporting. Proof of honest intent is typically provided through signature at the end of, e.g., tax returns or Insurance Policy forms. Still, people sometimes cheat to advance their financial self-interests - at great costs to society. We test an easy-to-implement method to discourage dishonesty: signing at the beginning rather than at the end of a self-report, thereby reversing the order of the current practice. Using laboratory and field experiments, we find that signing before - rather than after - the opportunity to cheat makes ethics salient when they are needed most and significantly reduces dishonesty.Former working paper titles: “Curtailing Fraud: One Signature at a Time” and “When to Sign on the Dotted Line? Signing First Makes Ethics Salient and Decreases Dishonest Self-Reports.”
