CINXE.COM

<!DOCTYPE html> <html lang="en" dir="ltr"> <head>  <script async src="https://www.googletagmanager.com/gtag/js?id=G-P63WKM1TM1"></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'G-P63WKM1TM1'); </script>  <script type="text/javascript" > (function(m,e,t,r,i,k,a){m[i]=m[i]||function(){(m[i].a=m[i].a||[]).push(arguments)}; m[i].l=1*new Date(); for (var j = 0; j < document.scripts.length; j++) {if (document.scripts[j].src === r) { return; }} k=e.createElement(t),a=e.getElementsByTagName(t)[0],k.async=1,k.src=r,a.parentNode.insertBefore(k,a)}) (window, document, "script", "https://mc.yandex.ru/metrika/tag.js", "ym"); ym(55165297, "init", { clickmap:false, trackLinks:true, accurateTrackBounce:true, webvisor:false }); </script> <noscript><div><img src="https://mc.yandex.ru/watch/55165297" style="position:absolute; left:-9999px;" alt="" /></div></noscript>    <title>Search results for: central insurance of Iran</title> <meta name="description" content="Search results for: central insurance of Iran"> <meta name="keywords" content="central insurance of Iran"> <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1, maximum-scale=1, user-scalable=no"> <meta charset="utf-8"> <link href="https://cdn.waset.org/favicon.ico" type="image/x-icon" rel="shortcut icon"> <link href="https://cdn.waset.org/static/plugins/bootstrap-4.2.1/css/bootstrap.min.css" rel="stylesheet"> <link href="https://cdn.waset.org/static/plugins/fontawesome/css/all.min.css" rel="stylesheet"> <link href="https://cdn.waset.org/static/css/site.css?v=150220211555" rel="stylesheet"> </head> <body> <header> <div class="container"> <nav class="navbar navbar-expand-lg navbar-light"> <a class="navbar-brand" href="https://waset.org"> <img src="https://cdn.waset.org/static/images/wasetc.png" alt="Open Science Research Excellence" title="Open Science Research Excellence" /> </a> <button class="d-block d-lg-none navbar-toggler ml-auto" type="button" data-toggle="collapse" data-target="#navbarMenu" aria-controls="navbarMenu" aria-expanded="false" aria-label="Toggle navigation"> <span class="navbar-toggler-icon"></span> </button> <div class="w-100"> <div class="d-none d-lg-flex flex-row-reverse"> <form method="get" action="https://waset.org/search" class="form-inline my-2 my-lg-0"> <input class="form-control mr-sm-2" type="search" placeholder="Search Conferences" value="central insurance of Iran" name="q" aria-label="Search"> <button class="btn btn-light my-2 my-sm-0" type="submit"><i class="fas fa-search"></i></button> </form> </div> <div class="collapse navbar-collapse mt-1" id="navbarMenu"> <ul class="navbar-nav ml-auto align-items-center" id="mainNavMenu"> <li class="nav-item"> <a class="nav-link" href="https://waset.org/conferences" title="Conferences in 2024/2025/2026">Conferences</a> </li> <li class="nav-item"> <a class="nav-link" href="https://waset.org/disciplines" title="Disciplines">Disciplines</a> </li> <li class="nav-item"> <a class="nav-link" href="https://waset.org/committees" rel="nofollow">Committees</a> </li> <li class="nav-item dropdown"> <a class="nav-link dropdown-toggle" href="#" id="navbarDropdownPublications" role="button" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false"> Publications </a> <div class="dropdown-menu" aria-labelledby="navbarDropdownPublications"> <a class="dropdown-item" href="https://publications.waset.org/abstracts">Abstracts</a> <a class="dropdown-item" href="https://publications.waset.org">Periodicals</a> <a class="dropdown-item" href="https://publications.waset.org/archive">Archive</a> </div> </li> <li class="nav-item"> <a class="nav-link" href="https://waset.org/page/support" title="Support">Support</a> </li> </ul> </div> </div> </nav> </div> </header> <main> <div class="container mt-4"> <div class="row"> <div class="col-md-9 mx-auto"> <form method="get" action="https://publications.waset.org/abstracts/search"> <div id="custom-search-input"> <div class="input-group"> <i class="fas fa-search"></i> <input type="text" class="search-query" name="q" placeholder="Author, Title, Abstract, Keywords" value="central insurance of Iran"> <input type="submit" class="btn_search" value="Search"> </div> </div> </form> </div> </div> <div class="row mt-3"> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Commenced</strong> in January 2007</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Frequency:</strong> Monthly</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Edition:</strong> International</div> </div> </div> <div class="col-sm-3"> <div class="card"> <div class="card-body"><strong>Paper Count:</strong> 4257</div> </div> </div> </div> <h1 class="mt-3 mb-3 text-center" style="font-size:1.6rem;">Search results for: central insurance of Iran</h1> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4257</span> The Relationship between Organizational Culture and the Establishment of Knowledge Management in the Central Insurance of Iran</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Alireza%20Assareh">Alireza Assareh</a>, <a href="https://publications.waset.org/abstracts/search?q=Fatemeh%20Havas%20Beigi"> Fatemeh Havas Beigi</a>, <a href="https://publications.waset.org/abstracts/search?q=Mohammad%20Vafaee%20Yeganeh"> Mohammad Vafaee Yeganeh</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The present study is conducted to investigate the relationship between organizational culture and the establishment of knowledge management in the Central Insurance of Iran. The research results revealed that there is a significant positive relationship between organizational culture and its elements that include management support, organizational belonging, individual innovation, and leadership style and the establishment of knowledge management in the central insurance of Iran and that there isn鈥檛 any significant relationship between conflict resolution and the establishment of knowledge management in the central insurance of Iran. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=organizational%20culture" title="organizational culture">organizational culture</a>, <a href="https://publications.waset.org/abstracts/search?q=knowledge%20management" title=" knowledge management"> knowledge management</a>, <a href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran" title=" central insurance of Iran"> central insurance of Iran</a>, <a href="https://publications.waset.org/abstracts/search?q=individual%20innovation" title=" individual innovation"> individual innovation</a> </p> <a href="https://publications.waset.org/abstracts/21748/the-relationship-between-organizational-culture-and-the-establishment-of-knowledge-management-in-the-central-insurance-of-iran" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/21748.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">491</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4256</span> Evaluation of Demand of Fire Insurance in Iran and Embrace Digitalization to Improve It</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mahsa%20Ghorbani%20Jazin">Mahsa Ghorbani Jazin</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The insurance industry has a prominent place in the economy of every country in the world. Fire insurance policies are types of non-life insurance, which protect insureds against financial losses of fire and related risks. In this paper, factors that are affecting the demand for fire insurance in Iran have been examined. Due to this reason, information and data have been collected during the period 1989-2019. In this research, the final model was estimated. The obtained results represent that as the population and literacy rate increase, people are more willing to purchase fire insurance. On the other hand, the actual per capita income has a negative influence on the demand for this type of insurance. Also, the amount of compensation that is paid in losses can be assumed as an indirect advertisement for fire insurance and attracts people to buy this policy. Finally, the new technology in the insurance industry is examined as a new underestimated way for increasing demand, especially in Iran. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=fire%20insurance" title="fire insurance">fire insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=demand" title=" demand"> demand</a>, <a href="https://publications.waset.org/abstracts/search?q=per%20capita%20income" title=" per capita income"> per capita income</a>, <a href="https://publications.waset.org/abstracts/search?q=literacy%20rate" title=" literacy rate"> literacy rate</a>, <a href="https://publications.waset.org/abstracts/search?q=population" title=" population"> population</a>, <a href="https://publications.waset.org/abstracts/search?q=compensation%20paid" title=" compensation paid"> compensation paid</a>, <a href="https://publications.waset.org/abstracts/search?q=Insurtech" title=" Insurtech"> Insurtech</a> </p> <a href="https://publications.waset.org/abstracts/145180/evaluation-of-demand-of-fire-insurance-in-iran-and-embrace-digitalization-to-improve-it" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/145180.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">200</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4255</span> Readiness of Iran鈥檚 Insurance Industry Salesforce to Accept Changing to Become Islamic Personal Financial Planners</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Pedram%20Saadati">Pedram Saadati</a>, <a href="https://publications.waset.org/abstracts/search?q=Zahra%20Nazari"> Zahra Nazari</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Today, the role and importance of financial technology businesses in Iran have increased significantly. Although, in Iran, there is no Islamic or non-Islamic personal financial planning field of study in the universities or educational centers, the profession of personal financial planning is not defined, and there is no software introduced in this regard for advisors or consumers. The largest sales network of financial services in Iran belongs to the insurance industry, and there is an untapped market for international companies in Iran that can contribute to 130 thousand representatives in the insurance industry and 28 million families by providing training and personal financial advisory software. To the best of the author's knowledge, despite the lack of previous internal studies in this field, the present study investigates the level of readiness of the salesforce of the insurance industry to accept this career and its technology. The statistical population of the research is made up of managers, insurance sales representatives, assistants and heads of sales departments of insurance companies. An 18-minute video was prepared that introduced and taught the job of Islamic personal financial planning and explained its difference from its non-Islamic model. This video was provided to the respondents. The data collection tool was a research-made questionnaire. To investigate the factors affecting technology acceptance and job change, independent T descriptive statistics and Pearson correlation were used, and Friedman's test was used to rank the effective factors. The results indicate the mental perception and very positive attitude of the insurance industry activists towards the usefulness of this job and its technology, and the studied sample confirmed the intention of training in this knowledge. Based on research results, the change in the customer's attitude towards the insurance advisor and the possibility of increasing income are considered as the reasons for accepting. However, Restrictions on using investment opportunities due to Islamic financial services laws and the uncertainty of the position of the central insurance in this regard are considered as the most important obstacles. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=fintech" title="fintech">fintech</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=personal%20financial%20planning" title=" personal financial planning"> personal financial planning</a>, <a href="https://publications.waset.org/abstracts/search?q=wealth%20management" title=" wealth management"> wealth management</a> </p> <a href="https://publications.waset.org/abstracts/183414/readiness-of-irans-insurance-industry-salesforce-to-accept-changing-to-become-islamic-personal-financial-planners" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/183414.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">49</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4254</span> Deposit Insurance and Financial Inclusion in the Economic Community of Central African States</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Antoine%20F.%20Dedewanou">Antoine F. Dedewanou</a>, <a href="https://publications.waset.org/abstracts/search?q=Eric%20N.%20Ekpinda"> Eric N. Ekpinda</a> </p> <p class="card-text"><strong>Abstract:</strong></p> We investigate whether and how deposit insurance program affects savings decisions in the Economic Community of Central African States (ECCAS). Specifically, using the World Bank鈥檚 2014 and 2011 Global Financial Inclusion (Global Findex) databases, we apply special regressor approach. We find that the deposit insurance program increases significantly, everything else equal, the probability that people save their money at a financial institution by 11 percentage points in Gabon, by 22.2 percentage points in DR Congo and by 15.1 percentage points in Chad. These effects are matched with positive effects of age and education level. But in Cameroon, the effect of deposit insurance is not significant. The policies aimed at fostering financial inclusion will be more effective if there is a deposit insurance scheme in place, along with awareness among young people, and education programs. JEL Classification: G21, O12, O16 <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=deposit%20insurance" title="deposit insurance">deposit insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=savings" title=" savings"> savings</a>, <a href="https://publications.waset.org/abstracts/search?q=special%20regressor" title=" special regressor"> special regressor</a>, <a href="https://publications.waset.org/abstracts/search?q=ECCAS%20countries" title=" ECCAS countries"> ECCAS countries</a> </p> <a href="https://publications.waset.org/abstracts/78882/deposit-insurance-and-financial-inclusion-in-the-economic-community-of-central-african-states" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/78882.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">188</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4253</span> Adoption of Risk and Insurance among Aquaculture Producers in Khuzestan Province, Iran</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Kiyanoush%20Ghalavand">Kiyanoush Ghalavand</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Aquaculture production is inherently a risky business, and farmers face a variety of weather, pest, disease, inptut supply, and market related risks. There are many factors out farmers control and unpredictable. Insurance has an important role in aquaculture production and is a tool to support farmers against threats. Investigation of factors affecting aquaculture farmers' adoption of aquaculture insurance strategy was the objective of this study. The purpose of this study was determining the related factors to adoption of insurance by aquaculture farmers in Khuzestan province, Iran. The research design was a descriptive and correlation surveying method. Aquaculture farmers in Khuzestan province were the target population for this study. A random sample of aquaculture selected (N=1830, n =139). The main result of the study reveled that exist correlation between the level of education, knowledge about purpose of insurance, participation in extension course, visit with insurance organization, and contact with extension agents to the adoption of insurance by aquaculture farmers were significantly positive. By using Bartlett's test and KMO test, determine whether research variables are appropriate for factor analysis (Sig = 0.000, Bartlett test = 0.9724, KMO = 0.74). The number of factors was determined using a split plot, eigenvalue, and percent of variance. An examination of the items and their factors loadings was used to understand the nature of the nine factors. To reduce subjectivity, items with factor loading equal to or greater than 0.5 were considered most important when factors were labeled. The nine factors were labeled (1) Extension and education activities, (2) Economical characteristics, (3) Governmental support, (4) communicational channel, (5) local leaders, (6) Facilitate in given damage (7) Motivation establishing, (8) Given damage in appropriate methods and (9) Appropriate activities by insurance organization. The results obtained from the factors analysis reveal that the nine factors explain percentage75 of the variation of the adoption of insurance of the adoption of insurance by aquaculture farmers in Khuzestan province. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=aquaculture%20farmers" title="aquaculture farmers">aquaculture farmers</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=factorial%20analysis" title=" factorial analysis"> factorial analysis</a>, <a href="https://publications.waset.org/abstracts/search?q=Khuzestan%20province" title=" Khuzestan province"> Khuzestan province</a>, <a href="https://publications.waset.org/abstracts/search?q=risks" title=" risks"> risks</a> </p> <a href="https://publications.waset.org/abstracts/145611/adoption-of-risk-and-insurance-among-aquaculture-producers-in-khuzestan-province-iran" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/145611.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">151</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4252</span> Public Preferences and Willingness to Pay for Social Health Insurance in Iran: A Discrete Choice Experiment</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mohammad%20Ranjbar">Mohammad Ranjbar</a>, <a href="https://publications.waset.org/abstracts/search?q=Mohammad%20Bazyar"> Mohammad Bazyar</a>, <a href="https://publications.waset.org/abstracts/search?q=Blake%20Angell"> Blake Angell</a>, <a href="https://publications.waset.org/abstracts/search?q=Thomas%20Lung"> Thomas Lung</a>, <a href="https://publications.waset.org/abstracts/search?q=Yibeltal%20Assefa"> Yibeltal Assefa</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Background: Current health insurance programs in Iran suffer from low enrolment and are not sufficient to attain the country to universal health coverage (UHC). We hypothesize that improving the enrollment rate and moving towards a more sustainable UHC can be achieved by improving the benefits package and providing new incentives. The objective of this study is to assess public preferences and willingness to pay (WTP) for social health insurance (SHI) in Iran. Methods: A discrete choice experiment (DCE) was conducted in 2021, using a self-administered questionnaire on 500 participants to estimate WTP and determine individual preferences for the SHI in Yazd, Iran. Respondents were presented with an eight-choice set and asked to select their preferred one. In each choice set, scenarios were described by eight attributes with varying levels. The conditional logit regression model was used to analyze the participants' preferences. Willingness to pay for each attribute was also calculated. Results: Most included attributes were significant predictors of the choice of a health insurance package. The maximum coverage of hospitalization costs in the private sector, ancillary services such as glasses, canes, etc., as well as coverage for hospitalization costs in the public sector and drug costs, were the most important determining factors for this choice. Coverage of preventive dental care did not significantly influence respondent choices. Estimating WTP showed that individuals are willing to pay more for higher financial protection, particularly against private sector costs; the WTP to increase the coverage of hospitalization costs in the private sector from 50% to 90% is estimated at 362,068 IR, Rials per month. Conclusion: This study identifies the key factors that the population value with regard to health insurance and the tradeoffs they are willing to make between them. Hospitalization, drugs, and ancillary services were the most important determining factors for their choice. The data suggest that additional resources coming into the Iranian health system might best be prioritized to cover hospitalization and drug costs and those associated with ancillary services. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=social%20health%20insurance" title="social health insurance">social health insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=preferences" title=" preferences"> preferences</a>, <a href="https://publications.waset.org/abstracts/search?q=discrete%20choice%20experiment" title=" discrete choice experiment"> discrete choice experiment</a>, <a href="https://publications.waset.org/abstracts/search?q=willingness%20to%20pay" title=" willingness to pay"> willingness to pay</a> </p> <a href="https://publications.waset.org/abstracts/161718/public-preferences-and-willingness-to-pay-for-social-health-insurance-in-iran-a-discrete-choice-experiment" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/161718.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">89</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4251</span> Insurance of Agricultural Activities as the Basis for Food Security</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=J.%20B.%20Akshataeva">J. B. Akshataeva</a>, <a href="https://publications.waset.org/abstracts/search?q=G.%20T.%20Aigarinova"> G. T. Aigarinova</a>, <a href="https://publications.waset.org/abstracts/search?q=A.%20Amankulova"> A. Amankulova</a>, <a href="https://publications.waset.org/abstracts/search?q=D.%20S.%20Kalkanova"> D. S. Kalkanova</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This article examines some aspects of the insurance of agricultural activities, strategic documents on deepening investment opportunities. Insurance market development is before the society and the state. It also examines problems of agricultural insurance development in the market economy of Kazakhstan as the basis for food security. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=agriculture" title="agriculture">agriculture</a>, <a href="https://publications.waset.org/abstracts/search?q=food%20safety" title=" food safety"> food safety</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=privacy%20issues" title=" privacy issues"> privacy issues</a> </p> <a href="https://publications.waset.org/abstracts/6296/insurance-of-agricultural-activities-as-the-basis-for-food-security" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/6296.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">503</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4250</span> The Effect of Catastrophic Losses on Insurance Cycle: Case of Croatia</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Drago%20Jakov%C4%8Devi%C4%87">Drago Jakov膷evi膰</a>, <a href="https://publications.waset.org/abstracts/search?q=Maja%20Mihelja%20%C5%BDaja"> Maja Mihelja 沤aja</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This paper provides an analysis of the insurance cycle in the Republic of Croatia and whether they are affected by catastrophic losses on a global level. In general, it is considered that insurance cycles are particularly pronounced in periods of financial crisis, but are also affected by the growing number of catastrophic losses. They cause the change of insurance cycle and premium growth and intensification and narrowing of the coverage conditions, so these variables move in the same direction and these phenomena point to a new cycle. The main goal of this paper is to determine the existence of insurance cycle in the Republic of Croatia and investigate whether catastrophic losses have an influence on insurance cycles. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=catastrophic%20loss" title="catastrophic loss">catastrophic loss</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20cycle" title=" insurance cycle"> insurance cycle</a>, <a href="https://publications.waset.org/abstracts/search?q=premium" title=" premium"> premium</a>, <a href="https://publications.waset.org/abstracts/search?q=Republic%20of%20Croatia" title=" Republic of Croatia"> Republic of Croatia</a> </p> <a href="https://publications.waset.org/abstracts/7784/the-effect-of-catastrophic-losses-on-insurance-cycle-case-of-croatia" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/7784.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">352</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4249</span> Sustainability of Healthcare Insurance in India: A Review of Health Insurance Scheme Launched by States in India </h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Mohd%20Zuhair">Mohd Zuhair</a>, <a href="https://publications.waset.org/abstracts/search?q=Ram%20Babu%20Roy"> Ram Babu Roy</a> </p> <p class="card-text"><strong>Abstract:</strong></p> This paper presents an overview of the accessibility, design, and functioning of health insurance plans launched by state governments in India. In recent years, the governments of several states in India have come forward to provide health insurance coverage for the low-income group and rural population to reduce the out of pocket expenditure (OPE) on healthcare. Different health insurance schemes have different structures and offerings which differ in the different demographic factors. This study will portray a comparative analysis of the various health insurance schemes by analyzing different offerings and finance generation of the schemes. The comparative analysis will explain the lesson to be learned from these schemes and extend the existing knowledge of the health insurance in India. This would help in recognizing tension between various drivers and identifying issues pertaining to the sustainability of health insurance schemes in India. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=health%20insurance" title="health insurance">health insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=out%20of%20pocket%20expenditure" title=" out of pocket expenditure"> out of pocket expenditure</a>, <a href="https://publications.waset.org/abstracts/search?q=universal%20healthcare" title=" universal healthcare"> universal healthcare</a>, <a href="https://publications.waset.org/abstracts/search?q=sustainability" title=" sustainability"> sustainability</a> </p> <a href="https://publications.waset.org/abstracts/99066/sustainability-of-healthcare-insurance-in-india-a-review-of-health-insurance-scheme-launched-by-states-in-india" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/99066.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">238</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4248</span> Historical Metaphors in Insurance: A Journey</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Anjuman%20Antil">Anjuman Antil</a>, <a href="https://publications.waset.org/abstracts/search?q=Anuj%20Kapoor"> Anuj Kapoor</a>, <a href="https://publications.waset.org/abstracts/search?q=Neha%20Saini"> Neha Saini</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Purpose: The purpose of this paper is to study the evolution of insurance in India and the world. The paper also traced the historical basis of life insurance in the world and how it emerged as a major sector in India鈥檚 economy. The promotional strategies and distribution channel of top three companies in the Indian insurance sector are also discussed. Design/methodology/approach: The paper examined the secondary data which includes the reports issued by Insurance Regulatory Authority of India, websites of companies, books, and journals relevant to the study. Findings: The paper argued the role and importance of insurance in an emerging economy. The challenges and opportunities of the insurance sector are briefed out. The emerging areas in the insurance sector in terms of promotional strategies and distribution channel are also listed. Implications: The historical evolution can be studied by companies while formulating their strategies. It will help them analyse the insurance sector, how things have changed and how to change with the changing times. Originality/value: This paper gives comprehensive data regarding the background of the insurance sector. Along with historical perspective, marketing and distribution, current and future trends have been discussed. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurance" title="insurance">insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=evolution" title=" evolution"> evolution</a>, <a href="https://publications.waset.org/abstracts/search?q=life%20insurance" title=" life insurance"> life insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=marketing" title=" marketing"> marketing</a>, <a href="https://publications.waset.org/abstracts/search?q=distribution%20channels" title=" distribution channels"> distribution channels</a> </p> <a href="https://publications.waset.org/abstracts/88292/historical-metaphors-in-insurance-a-journey" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/88292.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">234</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4247</span> Presenting a Model Of Empowering New Knowledge-based Companies In Iran Insurance Industry</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Pedram%20Saadati">Pedram Saadati</a>, <a href="https://publications.waset.org/abstracts/search?q=Zahra%20Nazari"> Zahra Nazari</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In the last decade, the role and importance of knowledge-based technological businesses in the insurance industry has greatly increased, and due to the weakness of previous studies in Iran, the current research deals with the design of the InsurTech empowerment model. In order to obtain the conceptual model of the research, a hybrid framework has been used. The statistical population of the research in the qualitative part were experts, and in the quantitative part, the InsurTech activists. The tools of data collection in the qualitative part were in-depth and semi-structured interviews and structured self-interaction matrix, and in the quantitative part, a researcher-made questionnaire. In the qualitative part, 55 indicators, 20 components and 8 concepts (dimensions) were obtained by the content analysis method, then the relationships of the concepts with each other and the levels of the components were investigated. In the quantitative part, the information was analyzed using the descriptive analytical method in the way of path analysis and confirmatory factor analysis. The proposed model consists of eight dimensions of supporter capability, supervisor of insurance innovation ecosystem, managerial, financial, technological, marketing, opportunity identification, innovative InsurTech capabilities. The results of statistical tests in identifying the relationships of the concepts with each other have been examined in detail and suggestions have been presented in the conclusion section. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurTech" title="insurTech">insurTech</a>, <a href="https://publications.waset.org/abstracts/search?q=knowledge-base" title=" knowledge-base"> knowledge-base</a>, <a href="https://publications.waset.org/abstracts/search?q=empowerment%20model" title=" empowerment model"> empowerment model</a>, <a href="https://publications.waset.org/abstracts/search?q=factor%20analysis" title=" factor analysis"> factor analysis</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a> </p> <a href="https://publications.waset.org/abstracts/183487/presenting-a-model-of-empowering-new-knowledge-based-companies-in-iran-insurance-industry" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/183487.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">46</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4246</span> Multivariate Dependent Frequency-Severity Modeling of Insurance Claims: A Vine Copula Approach</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Islem%20Kedidi">Islem Kedidi</a>, <a href="https://publications.waset.org/abstracts/search?q=Rihab%20Bedoui%20Bensalem"> Rihab Bedoui Bensalem</a>, <a href="https://publications.waset.org/abstracts/search?q=Faysal%20Manssouri"> Faysal Manssouri</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In traditional models of insurance data, the number and size of claims are assumed to be independent. Relaxing the independence assumption, this article explores the Vine copula to model dependence structure between multivariate frequency and average severity of insurance claim. To illustrate this approach, we use the Wisconsin local government property insurance fund which offers several insurance protections for motor vehicles, property and contractor鈥檚 equipment claims. Results show that the C-vine copula can better characterize the multivariate dependence structure between frequency and severity. Furthermore, we find significant dependencies especially between frequency and average severity among different coverage types. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=dependency%20modeling" title="dependency modeling">dependency modeling</a>, <a href="https://publications.waset.org/abstracts/search?q=government%20insurance" title=" government insurance"> government insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20claims" title=" insurance claims"> insurance claims</a>, <a href="https://publications.waset.org/abstracts/search?q=vine%20copula" title=" vine copula"> vine copula</a> </p> <a href="https://publications.waset.org/abstracts/101505/multivariate-dependent-frequency-severity-modeling-of-insurance-claims-a-vine-copula-approach" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/101505.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">208</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4245</span> Organizational Mortality of Insurance Organizations under the Conditions of Environmental Changes</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Erdem%20Kirkbesoglu">Erdem Kirkbesoglu</a>, <a href="https://publications.waset.org/abstracts/search?q=A.%20Bugra%20Soylu"> A. Bugra Soylu</a>, <a href="https://publications.waset.org/abstracts/search?q=E.%20Deniz%20Kahraman"> E. Deniz Kahraman</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The aim of this study is to examine the effects of some variables on organizational mortality of the Turkish insurance industry and calculate the carrying capacities of Turkish insurance industry according to cities and regions. In the study, organizational mortality was tested with the level of reaching the population's carrying capacity. The findings of this study show that the insurance sales potentials can be calculated according to the provinces and regions of Turkey. It has also been proven that the organizations that feed on the same source will have a carrying capacity in the evolutionary process. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurance" title="insurance">insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=carrying%20capacity" title=" carrying capacity"> carrying capacity</a>, <a href="https://publications.waset.org/abstracts/search?q=organizational%20mortality" title=" organizational mortality"> organizational mortality</a>, <a href="https://publications.waset.org/abstracts/search?q=organization" title=" organization"> organization</a> </p> <a href="https://publications.waset.org/abstracts/89651/organizational-mortality-of-insurance-organizations-under-the-conditions-of-environmental-changes" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/89651.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">282</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4244</span> A Comparative Study of Insurance Policies Worldwide in Public Private Partnerships</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Guanqun%20Shi">Guanqun Shi</a>, <a href="https://publications.waset.org/abstracts/search?q=Xueqing%20Zhang"> Xueqing Zhang</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The frequent occurrence of failures in PPP projects which caused great loss has raised attention from the government as well as the concessionaire. PPPs are complex arrangements for its long operation period and multiple players. Many types of risks in PPP projects may cause the project fail. The insurance is an important tool to transfer the risks. Through a comparison and analysis of international government PPP guidelines and contracts as well as the case studies worldwide, we have identified eight main insurance principles, discussed thirteen insurance types in different stages. An overall procedure would be established to improve the practices in PPP projects. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=public%20private%20partnerships" title="public private partnerships">public private partnerships</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=contract" title=" contract"> contract</a>, <a href="https://publications.waset.org/abstracts/search?q=risk" title=" risk"> risk</a> </p> <a href="https://publications.waset.org/abstracts/75962/a-comparative-study-of-insurance-policies-worldwide-in-public-private-partnerships" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/75962.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">283</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4243</span> Impact of Brexit on the Structure of the European Insurance Market: A Solvency and Financial Condition Report Content Analysis of UK Insurance Companies</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Antonia%20M%C3%BCller">Antonia M眉ller</a>, <a href="https://publications.waset.org/abstracts/search?q=Svend%20Reuse"> Svend Reuse</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The Brexit referendum in June 2016 led to different publications analysing potential consequences for European and British insurance companies under the European Passport. This study addresses a research gap, regarding the measures taken by insurance companies based in the United Kingdom and thus on structural changes to the European insurance market by an innovative structured Solvency and Financial Condition Report content analysis. In scope are all insurance companies based in the United Kingdom, that fall under the Solvency II supervisory regime. The results show that the majority of British Solvency II insurance companies in scope, conducting cross-border business to the European Union, have applied and reported measures to be able to continue operating this cross-border business after Brexit. In addition, the study shows that 34 new insurance companies based in the European Union were established as a result of Brexit, indicating structural changes to the European insurance market. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=brexit" title="brexit">brexit</a>, <a href="https://publications.waset.org/abstracts/search?q=europe" title=" europe"> europe</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20market" title=" insurance market"> insurance market</a>, <a href="https://publications.waset.org/abstracts/search?q=solvency%20and%20financial%20condition%20repot" title=" solvency and financial condition repot"> solvency and financial condition repot</a>, <a href="https://publications.waset.org/abstracts/search?q=structural%20changes" title=" structural changes"> structural changes</a> </p> <a href="https://publications.waset.org/abstracts/145865/impact-of-brexit-on-the-structure-of-the-european-insurance-market-a-solvency-and-financial-condition-report-content-analysis-of-uk-insurance-companies" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/145865.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">205</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4242</span> Expansion and Consolidation of Islam in Iran to the End of Qajar Period </h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Ashaq%20Hussain">Ashaq Hussain</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Under Islam, for the first time since the Achaemenids, all Iranians including those of Central Asia and on the frontiers of India became united under one rule. Islam was rescued from a narrow Bedouin outlook and Bedouin mores primarily by the Iranians, who showed that Islam, both as a religion and, primarily, as a culture, need not be bound solely to the Arabic language and Arab norms of behavior. Instead Islam was to become a universal religion and culture open to all people. This was a fundamental contribution of the Iranians to Islam, although all Iranians had become Muslims by the time of the creation of Saljuq Empire. So, Iran in a sense provided the history, albeit an epic, of pre-Islamic times for Islam. After all, the Arabs conquered the entire Sasanian Empire, where they found full-scale, imperial models for the management of the new Caliphate, whereas only provinces of the Byzantine Empire were overrun by the Arabs. The present paper is an attempt to give reader a detailed introduction, emergence, expansion and spread of Islam in Iran to the end of Qajar period. It is in this context the present paper has been analyzed. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=Islam" title="Islam">Islam</a>, <a href="https://publications.waset.org/abstracts/search?q=Achaemenids" title=" Achaemenids"> Achaemenids</a>, <a href="https://publications.waset.org/abstracts/search?q=Bedouin" title=" Bedouin"> Bedouin</a>, <a href="https://publications.waset.org/abstracts/search?q=Central%20Asia" title=" Central Asia"> Central Asia</a>, <a href="https://publications.waset.org/abstracts/search?q=Iran" title=" Iran "> Iran </a> </p> <a href="https://publications.waset.org/abstracts/15525/expansion-and-consolidation-of-islam-in-iran-to-the-end-of-qajar-period" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/15525.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">423</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4241</span> An Approach to Practical Determination of Fair Premium Rates in Crop Hail Insurance Using Short-Term Insurance Data</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Necati%20I%C3%A7er">Necati I莽er</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Crop-hail insurance plays a vital role in managing risks and reducing the financial consequences of hail damage on crop production. Predicting insurance premium rates with short-term data is a major difficulty in numerous nations because of the unique characteristics of hailstorms. This study aims to suggest a feasible approach for establishing equitable premium rates in crop-hail insurance for nations with short-term insurance data. The primary goal of the rate-making process is to determine premium rates for high and zero loss costs of villages and enhance their credibility. To do this, a technique was created using the author's practical knowledge of crop-hail insurance. With this approach, the rate-making method was developed using a range of temporal and spatial factor combinations with both hypothetical and real data, including extreme cases. This article aims to show how to incorporate the temporal and spatial elements into determining fair premium rates using short-term insurance data. The article ends with a suggestion on the ultimate premium rates for insurance contracts. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=crop-hail%20insurance" title="crop-hail insurance">crop-hail insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=premium%20rate" title=" premium rate"> premium rate</a>, <a href="https://publications.waset.org/abstracts/search?q=short-term%20insurance%20data" title=" short-term insurance data"> short-term insurance data</a>, <a href="https://publications.waset.org/abstracts/search?q=spatial%20and%20temporal%20parameters" title=" spatial and temporal parameters"> spatial and temporal parameters</a> </p> <a href="https://publications.waset.org/abstracts/181441/an-approach-to-practical-determination-of-fair-premium-rates-in-crop-hail-insurance-using-short-term-insurance-data" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/181441.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">55</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4240</span> By-Line Analysis of Determinants Insurance Premiums : Evidence from Tunisian Market</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Nadia%20Sghaier">Nadia Sghaier</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In this paper, we aim to identify the determinants of the life and non-life insurance premiums of different lines for the case of the Tunisian insurance market over a recent period from 1997 to 2019. The empirical analysis is conducted using the linear cointegration techniques in the panel data framework, which allow both long and short-run relationships. The obtained results show evidence of long-run relationship between premiums, losses, and financial variables (stock market indices and interest rate). Furthermore, we find that the short-run effect of explanatory variables differs across lines. This finding has important implications for insurance tarification and regulation. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurance%20premiums" title="insurance premiums">insurance premiums</a>, <a href="https://publications.waset.org/abstracts/search?q=lines" title=" lines"> lines</a>, <a href="https://publications.waset.org/abstracts/search?q=Tunisian%20insurance%20market" title=" Tunisian insurance market"> Tunisian insurance market</a>, <a href="https://publications.waset.org/abstracts/search?q=cointegration%20approach%20in%20panel%20data" title=" cointegration approach in panel data"> cointegration approach in panel data</a> </p> <a href="https://publications.waset.org/abstracts/140643/by-line-analysis-of-determinants-insurance-premiums-evidence-from-tunisian-market" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/140643.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">198</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4239</span> An Assessment of the Extent and Impact of Motor Insurance Fraud Claims in Nigeria</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Olatokunbo%20Shoyemi">Olatokunbo Shoyemi</a>, <a href="https://publications.waset.org/abstracts/search?q=Mario%20Brito"> Mario Brito</a>, <a href="https://publications.waset.org/abstracts/search?q=Ian%20Dawson"> Ian Dawson</a> </p> <p class="card-text"><strong>Abstract:</strong></p> In recent times, the Nigerian motor insurers have experienced high volume of motor insurance claim pay-outs and insignificant contribution to the net premium income of the Nigerian insurance market, which has been a major concern for the shareholders/stakeholders. It has been argued that there are many factors that have brought about these concerns. However, anecdotal evidence (ongoing debates among industry practitioners) suggests prevalence of fraud due to poor practices in motor insurance business in Nigeria. This study is therefore aimed to carry out an assessment of fraud in motor insurance claims as perceived by experts in the Nigerian insurance market. This study adopted a descriptive research design, and the analysis was built on a survey among insurance experts in Nigeria using a designed questionnaire. A purposive and snowball sampling were used to select our sample (N = 120) - representing a selection of all professionally qualified insurance experts in Nigeria insurance industry. The study found that Nigerian insurance experts (i) largely agree that there is a problematic level of fraud in the Nigerian motor insurance industry; (ii) perceive soft fraud to be about 3 times more common than hard fraud in the Nigerian motor insurance industry, and (iii) strongly agree there are problematic impacts from fraud on the solvency of the Nigerian motor insurers. This paper has provided an empirical understanding of the existence, extent, and impact of fraud risks within the Nigerian insurance market based on expert knowledge and insights rather than, as has often been the case, a reliance on individual anecdotes. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=claims" title="claims">claims</a>, <a href="https://publications.waset.org/abstracts/search?q=net%20premium%20income" title=" net premium income"> net premium income</a>, <a href="https://publications.waset.org/abstracts/search?q=motor%20insurance" title=" motor insurance"> motor insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=soft%20fraud" title=" soft fraud"> soft fraud</a>, <a href="https://publications.waset.org/abstracts/search?q=hard%20fraud" title=" hard fraud"> hard fraud</a> </p> <a href="https://publications.waset.org/abstracts/148212/an-assessment-of-the-extent-and-impact-of-motor-insurance-fraud-claims-in-nigeria" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/148212.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">108</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4238</span> Geomorphologic Evolution of the Southern Habble-Rud River Basin, North of Iran</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Maryam%20Jaberi">Maryam Jaberi</a>, <a href="https://publications.waset.org/abstracts/search?q=Siavosh%20Shayan"> Siavosh Shayan</a>, <a href="https://publications.waset.org/abstracts/search?q=Mojtaba%20Yamani"> Mojtaba Yamani</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Habble-Rud River basin (HR), up to 100 km length, one of the largest watersheds which drain into deserts to the north of Central Iran (Dasht-e Kavir). This stream is oblique with the NE-SW trending, flow in the southern range of central Alborz Mountains and the northern border of Central Iran. The end of the ~17 km suddenly change direction and with the southern trending to have a morphology which meanders passes through the Alborz Mountain ridge and flows into the Garmsar plain where it forms one of the largest alluvial fans in Iran, i.e. the vast Garmsar alluvial fan with an area of 476 km2. This study was carried out through morphometric analyses, longitudinal river profiles, and study of geomorpholic evidence such as fluvial terraces, gypsum-salt domes, seismic data, and satellite images. This study aimed to investigate the changes in the pattern of rivers in the southern part of the HR river basin. The southern part of HR river basin located at the southern foothills of the Central Alborz is characterized the thrust faults (Sorkheh-Kalut and Garmsar faults), folds,diapirs and arid climate. The activity of more than 10 salt domes that belong to the Oligocene-Miocene period has considerably influenced the pattern of streams in this region. Dissolution of these domes has not only reduced the quality of water and soil resources, but also has led to the formation of badlands and gullies.Our results indicated that the pattern of rivers in the southern part of HR river basin was influenced by discharge of the HR river in Quaternary, geological structure, subsidence of Central Iran and vertical uplift of Alborz mountain. These agents caused the formation meanders in the southern part of the HR River and evaluation of the seasonal rivers like Shoor-Darre and Garmabsar. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=geomorphologic%20evaluation" title="geomorphologic evaluation">geomorphologic evaluation</a>, <a href="https://publications.waset.org/abstracts/search?q=rivers%20pattern" title=" rivers pattern"> rivers pattern</a>, <a href="https://publications.waset.org/abstracts/search?q=Habble-Rud%20River%20basin" title=" Habble-Rud River basin"> Habble-Rud River basin</a>, <a href="https://publications.waset.org/abstracts/search?q=seasonal%20rivers" title=" seasonal rivers"> seasonal rivers</a> </p> <a href="https://publications.waset.org/abstracts/22672/geomorphologic-evolution-of-the-southern-habble-rud-river-basin-north-of-iran" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/22672.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">501</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4237</span> Agro-Insurance and Farming Development Opportunities in Georgia</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Tamar%20Lazariashvili">Tamar Lazariashvili</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Introduction: The agro-insurance has great importance for agricultural development in the country. In the article, the insurance market of the Georgian agricultural sector has been studied, the level of interest of farmers with insurance products and the trend of demand for those products are revealed; also, the importance of insurance is substantiated. Methodology: The following research methods are applied in the presented paper: statistical (selection, grouping, observation, trend) and qualitative research (in-depth interview with farmers). They claim that the main reason for aggravation is the low level of trust, less awareness about the conditions of the insurance contract. In order to eradicate distrust towards agro-insurance, it is recommended to increase awareness of insured farmers in terms of an insurance agreement. In the case of disputable issues between insurance companies and the customers (farmers), it is advisable to enact the Mediation Service, which will be able to protect the rights of insured farmers. Main Findings: Insurance companies prefer to deal with large farmers, the number of them is very small in Georgia as the credit market. The government interference in this sector is also a very cautious topic. However, the government can strengthen the awareness of farmers about the characteristics and advantages of the insurance system in order to increase the number of insured and reduce insurance premiums for farmers. Conclusion: Enactment of agro-insurance will increase the interest and confidence of financial institutions in the farming sector, financial resources will be accessible to the farmers that will facilitate the stable development of the sector in the country. The size of the agro-insurance market in the country should be increased, and the new territories should be covered. The State must have an obligation to ensure the risk of farmers and subsidize insurance companies. Based on the analysis of the insurance market, the conclusions on agro-insurance issues and the relevant recommendations are proposed. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=Agro-insurance" title="Agro-insurance">Agro-insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=agricultural%20product" title=" agricultural product"> agricultural product</a>, <a href="https://publications.waset.org/abstracts/search?q=Agro-market" title=" Agro-market"> Agro-market</a>, <a href="https://publications.waset.org/abstracts/search?q=farming" title=" farming"> farming</a> </p> <a href="https://publications.waset.org/abstracts/109002/agro-insurance-and-farming-development-opportunities-in-georgia" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/109002.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">122</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4236</span> Risk Management of Natural Disasters on Insurance Stock Market</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Tarah%20Bouaricha">Tarah Bouaricha</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The impact of worst natural disasters is analysed in terms of insured losses which happened between 2010 and 2014 on S&P insurance index. Event study analysis is used to test whether natural disasters impact insurance index stock market price. There is no negative impact on insurance stock market price around the disasters event. To analyse the reaction of insurance stock market, normal returns (NR), abnormal returns (AR), cumulative abnormal returns (CAR), cumulative average abnormal returns (CAAR) and a parametric test on AR and on CAR are used. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=study%20event" title="study event">study event</a>, <a href="https://publications.waset.org/abstracts/search?q=natural%20disasters" title=" natural disasters"> natural disasters</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance" title=" insurance"> insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=reinsurance" title=" reinsurance"> reinsurance</a>, <a href="https://publications.waset.org/abstracts/search?q=stock%20market" title=" stock market"> stock market</a> </p> <a href="https://publications.waset.org/abstracts/35828/risk-management-of-natural-disasters-on-insurance-stock-market" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/35828.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">395</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4235</span> Detection of Leishmania Mixed Infection from Phlebotomus papatasi in Central Iran</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Nassibeh%20Hosseini-Vasoukolaei">Nassibeh Hosseini-Vasoukolaei</a>, <a href="https://publications.waset.org/abstracts/search?q=Amir%20Ahmad%20Akhavan"> Amir Ahmad Akhavan</a>, <a href="https://publications.waset.org/abstracts/search?q=Mahmood%20Jeddi-Tehrani"> Mahmood Jeddi-Tehrani</a>, <a href="https://publications.waset.org/abstracts/search?q=Ali%20Khamesipour"> Ali Khamesipour</a>, <a href="https://publications.waset.org/abstracts/search?q=Mohammad%20Reza%20Yaghoobi%20Ershadi"> Mohammad Reza Yaghoobi Ershadi</a>, <a href="https://publications.waset.org/abstracts/search?q=Kamhawi%20Shaden"> Kamhawi Shaden</a>, <a href="https://publications.waset.org/abstracts/search?q=Valenzuela%20Jesus"> Valenzuela Jesus</a>, <a href="https://publications.waset.org/abstracts/search?q=Hossein%20Mirhendi"> Hossein Mirhendi</a>, <a href="https://publications.waset.org/abstracts/search?q=Mohammad%20Hossein%20Arandian"> Mohammad Hossein Arandian</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Zoonotic cutaneous leishmaniasis (ZCL) is an endemic disease in many rural areas of Iran. Sand flies were collected from rural areas of Esfahan province and were identified using valid identification keys. DNA was extracted from sand flies and Nested PCRs were done using specific primers. In this study, 44 out of 152 (28.9 %) sand flies were infected with L. majoralone. Eight sand flies showed mixed infection: four sand flies (2.6 %) were infected with L. major, L. turanicaand L. gerbili, one sand fly (0.7 %) was infected with L. major and L. turanica and three sand flies (2 %) were infected with L. turanicaand L. gerbili. Our results demonstrate the natural infection of P. papatasi sand fly with three species of L. major, L. turanica and L. gerbili which are circulating among R. opimusreservoir host and P. papatasi sand fly vector in central Iran. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=Phlebotomus%20papatasi" title="Phlebotomus papatasi">Phlebotomus papatasi</a>, <a href="https://publications.waset.org/abstracts/search?q=Leishmania%20major" title=" Leishmania major"> Leishmania major</a>, <a href="https://publications.waset.org/abstracts/search?q=Leishmania%20turanica" title=" Leishmania turanica"> Leishmania turanica</a>, <a href="https://publications.waset.org/abstracts/search?q=Leishmania%20gerbili" title=" Leishmania gerbili"> Leishmania gerbili</a>, <a href="https://publications.waset.org/abstracts/search?q=mixed%20infection" title=" mixed infection"> mixed infection</a>, <a href="https://publications.waset.org/abstracts/search?q=Iran" title=" Iran"> Iran</a> </p> <a href="https://publications.waset.org/abstracts/41586/detection-of-leishmania-mixed-infection-from-phlebotomus-papatasi-in-central-iran" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/41586.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">471</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4234</span> Discrimination in Insurance Pricing: A Textual-Analysis Perspective</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Ruijuan%20Bi">Ruijuan Bi</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Discrimination in insurance pricing is a topic of increasing concern, particularly in the context of the rapid development of big data and artificial intelligence. There is a need to explore the various forms of discrimination, such as direct and indirect discrimination, proxy discrimination, algorithmic discrimination, and unfair discrimination, and understand their implications in insurance pricing models. This paper aims to analyze and interpret the definitions of discrimination in insurance pricing and explore measures to reduce discrimination. It utilizes a textual analysis methodology, which involves gathering qualitative data from relevant literature on definitions of discrimination. The research methodology focuses on exploring the various forms of discrimination and their implications in insurance pricing models. Through textual analysis, this paper identifies the specific characteristics and implications of each form of discrimination in the general insurance industry. This research contributes to the theoretical understanding of discrimination in insurance pricing. By analyzing and interpreting relevant literature, this paper provides insights into the definitions of discrimination and the laws and regulations surrounding it. This theoretical foundation can inform future empirical research on discrimination in insurance pricing using relevant theories of probability theory. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=algorithmic%20discrimination" title="algorithmic discrimination">algorithmic discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=direct%20and%20indirect%20discrimination" title=" direct and indirect discrimination"> direct and indirect discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=proxy%20discrimination" title=" proxy discrimination"> proxy discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=unfair%20discrimination" title=" unfair discrimination"> unfair discrimination</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20pricing" title=" insurance pricing"> insurance pricing</a> </p> <a href="https://publications.waset.org/abstracts/178477/discrimination-in-insurance-pricing-a-textual-analysis-perspective" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/178477.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">73</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4233</span> A Translog Analysis of Insurance Economies in Nigeria</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Prince%20Ayodeji%20Yusuph">Prince Ayodeji Yusuph</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Recapitalization process that has recently become an imperative process in the Nigerian Financial industry has implications for the survival of insurance sector, especially on their service delivery efficiency. This study therefore seeks to investigate the problem of inefficiency in the Nigerian Insurance market from the perspective of their cost structures. The study takes advantage of secondary data of financial reports of thirty randomly selected insurance firms which span over a period of ten years and applied transcendental logarithm model to evaluate their performance from the cost structures strategy. The results indicate that only large scale firms enjoy cost saving advantages. Twenty percent firms sampled belong to this category. The result suggests that premium income would contribute to insurance firm鈥檚 performance, only when a sound investment decisions are made. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=transcedental%20logarithm" title="transcedental logarithm">transcedental logarithm</a>, <a href="https://publications.waset.org/abstracts/search?q=cost%20structures" title=" cost structures"> cost structures</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20firms%20and%20efficiency" title=" insurance firms and efficiency"> insurance firms and efficiency</a>, <a href="https://publications.waset.org/abstracts/search?q=Nigeria" title=" Nigeria"> Nigeria</a> </p> <a href="https://publications.waset.org/abstracts/4388/a-translog-analysis-of-insurance-economies-in-nigeria" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/4388.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">250</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4232</span> Analysis of Risk Factors Affecting the Motor Insurance Pricing with Generalized Linear Models</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Puttharapong%20Sakulwaropas">Puttharapong Sakulwaropas</a>, <a href="https://publications.waset.org/abstracts/search?q=Uraiwan%20%20Jaroengeratikun"> Uraiwan Jaroengeratikun</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Casualty insurance business, the optimal premium pricing and adequate cost for an insurance company are important in risk management. Normally, the insurance pure premium can be determined by multiplying the claim frequency with the claim cost. The aim of this research was to study in the application of generalized linear models to select the risk factor for model of claim frequency and claim cost for estimating a pure premium. In this study, the data set was the claim of comprehensive motor insurance, which was provided by one of the insurance company in Thailand. The results of this study found that the risk factors significantly related to pure premium at the 0.05 level consisted of no claim bonus (NCB) and used of the car (Car code). <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=generalized%20linear%20models" title="generalized linear models">generalized linear models</a>, <a href="https://publications.waset.org/abstracts/search?q=risk%20factor" title=" risk factor"> risk factor</a>, <a href="https://publications.waset.org/abstracts/search?q=pure%20premium" title=" pure premium"> pure premium</a>, <a href="https://publications.waset.org/abstracts/search?q=regression%20model" title=" regression model"> regression model</a> </p> <a href="https://publications.waset.org/abstracts/65636/analysis-of-risk-factors-affecting-the-motor-insurance-pricing-with-generalized-linear-models" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/65636.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">465</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4231</span> Sustainable and Aesthetic Features of Traditional Architectures in Central Part of Iran</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Azadeh%20Rezafar">Azadeh Rezafar</a> </p> <p class="card-text"><strong>Abstract:</strong></p> Iran is one of the oldest countries with traditional culture in the world. All over the history Iranians had traditional architectural designs, which were at the same time sustainable, ecological, functional and environmental consistent. These human scale architectures were built for maximum use, comfort, climate adaptation with available resources and techniques. Climate variability of the country caused developing of variety design methods. More of these methods such as windcatchers in Yazd City or Panam (Insulation) were scientific solutions at the same time. Renewable energy resources were used in these methods that featured in them. While climate and ecological issues were dominant parts of these traditional designs, aesthetic and beauty issues were not ignored. Conformity with the community鈥檚 culture caused more compact designs that the visual aesthetics of them can be seen inside of them. Different organizations of space were used for these visual aesthetic issues inside the houses as well as historical urban designs. For example dry and hot climates in central parts of the country designed with centralized organization. Most central parts of these designs functioned as a courtyard for temperate the air in the summer. This paper will give summary descriptive information about traditional Iranian architectural style by figures all around the country with different climate conditions, while focus of the paper is traditional architectural design of the central part of the country, with dry and hot climate condition. This information may be useful for contemporary architectural designs, which are designed without noticing to the vernacular condition and caused cities look like each other. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=architectural%20design" title="architectural design">architectural design</a>, <a href="https://publications.waset.org/abstracts/search?q=traditional%20design" title=" traditional design"> traditional design</a>, <a href="https://publications.waset.org/abstracts/search?q=Iran" title=" Iran"> Iran</a>, <a href="https://publications.waset.org/abstracts/search?q=sustainability" title=" sustainability "> sustainability </a> </p> <a href="https://publications.waset.org/abstracts/76955/sustainable-and-aesthetic-features-of-traditional-architectures-in-central-part-of-iran" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/76955.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">223</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4230</span> The Impact of Corporate Governance on Risk Taking in European Insurance Industry</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Francesco%20Venuti">Francesco Venuti</a>, <a href="https://publications.waset.org/abstracts/search?q=Simona%20Alfiero"> Simona Alfiero</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The aim of this paper is to develop an empirical research on the nature and consequences of corporate governance on Eurozone Insurance Industry risk taking attitude. More particularly, we analyzed the effect of public ownership on risk taking with respect to privately held Insurance Companies. We also analyzed the effects on risk taking attitude of different degrees of ownership concentration, directors compensation, and the dimension/diversity of the Board of Directors. Our results provide quite strong evidence that, coherently with the Agency Theory, publicly traded insurance companies with more concentrated ownership are less risky than the corresponding privately held. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=agency%20theory" title="agency theory">agency theory</a>, <a href="https://publications.waset.org/abstracts/search?q=corporate%20governance" title=" corporate governance"> corporate governance</a>, <a href="https://publications.waset.org/abstracts/search?q=insurance%20companies" title=" insurance companies"> insurance companies</a>, <a href="https://publications.waset.org/abstracts/search?q=risk%20taking" title=" risk taking"> risk taking</a> </p> <a href="https://publications.waset.org/abstracts/40263/the-impact-of-corporate-governance-on-risk-taking-in-european-insurance-industry" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/40263.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">428</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4229</span> Possibilities and Prospects for the Development of the Agricultural Insurance Market (The Example of Georgia)</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=Nino%20Damenia">Nino Damenia</a> </p> <p class="card-text"><strong>Abstract:</strong></p> The agricultural sector plays an important role in the development of Georgia's economy, it contributes to employment and food security. It faces various types of risks that may lead to heavy financial losses. Agricultural insurance is one of the means of combating agricultural risks. The paper discusses the agricultural insurance experience of those countries (European countries and the USA) that have successfully implemented the agricultural insurance program. Analysis of international cases shows that a well-designed and implemented agri-insurance system can bring significant benefits to farmers, insurance companies and the economy as a whole. In the background of all this, the Government of Georgia recognized the importance of agro-insurance and took important steps for its development. In 2014, in cooperation with insurance companies, an agro-insurance program was introduced, the purpose of which is to increase the availability of insurance for farmers and stimulate the agro-insurance market. Despite such a step forward, challenges remain such as awareness of farmers, insufficient infrastructure for data collection and risk assessment, involvement of insurance companies and other important factors. With the support of the government and stakeholders, it is possible to overcome the existing challenges and establish a strong and effective agro-insurance system. Objectives. The purpose of the research is to analyze the development trends of the agricultural insurance market, to identify the main factors affecting its growth, and to further develop recommendations for development prospects for Georgia. Methodologies. The research uses mixed methods, which combine qualitative and quantitative research techniques. The qualitative method includes the study of the literature of Georgian and foreign economists, which allows us to get acquainted with the challenges, opportunities, legislative and regulatory frameworks of agricultural insurance. Quantitative analysis involves collecting data from stakeholders and then analyzing it. The paper also uses the methods of synthesis, comparison and statistical analysis of the agricultural insurance market in Georgia, Europe and the USA. Conclusions. As the main results of the research, we can consider that the analysis of the insurance market has been made and its main functions have been identified; The essence, features and functions of agricultural insurance are analyzed; European and US agricultural insurance market is researched; The stages of formation and development of the agricultural insurance market of Georgia are studied, its importance for the agricultural sector of Georgia is determined; The role of the state for the development of agro-insurance is analyzed and development prospects are established based on the study of the current trends of the agro-insurance market of Georgia. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=agricultural%20insurance" title="agricultural insurance">agricultural insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=agriculture" title=" agriculture"> agriculture</a>, <a href="https://publications.waset.org/abstracts/search?q=agricultural%20insurance%20program" title=" agricultural insurance program"> agricultural insurance program</a>, <a href="https://publications.waset.org/abstracts/search?q=risk" title=" risk"> risk</a> </p> <a href="https://publications.waset.org/abstracts/177508/possibilities-and-prospects-for-the-development-of-the-agricultural-insurance-market-the-example-of-georgia" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/177508.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">59</span> </span> </div> </div> <div class="card paper-listing mb-3 mt-3"> <h5 class="card-header" style="font-size:.9rem"><span class="badge badge-info">4228</span> Recent Developments and Expectations in the Legal Expenses Insurance in Turkey</h5> <div class="card-body"> <p class="card-text"><strong>Authors:</strong> <a href="https://publications.waset.org/abstracts/search?q=%C4%B0brahim%20Arslan">陌brahim Arslan</a>, <a href="https://publications.waset.org/abstracts/search?q=M%C3%BCcahit%20%C3%9Cnal"> M眉cahit 脺nal</a> </p> <p class="card-text"><strong>Abstract:</strong></p> An important issue to ensure justice is to simplify the right to seek justice. But there is a cost of seeking justice in civil law. It costs at least, attorneys' fees and judicial expenses during the beginning and in case of losing a trial. Indeed, most of the people refrain from seeking justice because of these expenses. Therefore, it is not inappropriate to say that the removal of obstacles staying on the way of seeking justice will increase the belief in justice. Legal expenses insurance is a private law contract of insurance in which the insurer is obliged to pay premiums of the insured, to provide the necessary services for the protection of legal interests of the insured person within the agreed scope. This type of insurance is being practiced in the Western world for a long time. The special rights, duties and obligations of the parties to a legal expenses insurance contract shall be governed by the Turkish Commercial Code (TCC) and the contractual agreements which are regularly closed in the form of general terms and conditions. If the number of the legal expenses insurance contracts concluded increase this will definitely improve the percentage of seeking justice before the courts. The general terms and conditions applicable in Turkey generally include litigation costs, referee fees, guarantee fund , enforcement costs , appeal costs borne decision corrections costs. In addition, besides the insured, other family members or the people specified in the policy are protected in the scope of personal/family legal expenses insurance. The commercial law disputes fall outside the scope of coverage in this insurance branch. The insured person chooses his own lawyer and the insurer is not allowed to give advice during the selection of a lawyer. In April 2015, the Prime Minister announced of a new era in the field of legal expenses insurance in Turkey and this announcement excited the insurance industry and legal community. <p class="card-text"><strong>Keywords:</strong> <a href="https://publications.waset.org/abstracts/search?q=insurance" title="insurance">insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=in%20the%20Turkish%20law%20on%20legal%20protection%20insurance" title=" in the Turkish law on legal protection insurance"> in the Turkish law on legal protection insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=legal%20protection%20insurance" title=" legal protection insurance"> legal protection insurance</a>, <a href="https://publications.waset.org/abstracts/search?q=legal%20protection" title=" legal protection"> legal protection</a> </p> <a href="https://publications.waset.org/abstracts/31882/recent-developments-and-expectations-in-the-legal-expenses-insurance-in-turkey" class="btn btn-primary btn-sm">Procedia</a> <a href="https://publications.waset.org/abstracts/31882.pdf" target="_blank" class="btn btn-primary btn-sm">PDF</a> <span class="bg-info text-light px-1 py-1 float-right rounded"> Downloads <span class="badge badge-light">357</span> </span> </div> </div> <ul class="pagination"> <li class="page-item disabled"><span class="page-link">&lsaquo;</span></li> <li class="page-item active"><span class="page-link">1</span></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=2">2</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=3">3</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=4">4</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=5">5</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=6">6</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=7">7</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=8">8</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=9">9</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=10">10</a></li> <li class="page-item disabled"><span class="page-link">...</span></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=141">141</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=142">142</a></li> <li class="page-item"><a class="page-link" href="https://publications.waset.org/abstracts/search?q=central%20insurance%20of%20Iran&page=2" rel="next">&rsaquo;</a></li> </ul> </div> </main> <footer> <div id="infolinks" class="pt-3 pb-2"> <div class="container"> <div style="background-color:#f5f5f5;" class="p-3"> <div class="row"> <div class="col-md-2"> <ul class="list-unstyled"> About <li><a href="https://waset.org/page/support">About Us</a></li> <li><a href="https://waset.org/page/support#legal-information">Legal</a></li> <li><a target="_blank" rel="nofollow" href="https://publications.waset.org/static/files/WASET-16th-foundational-anniversary.pdf">WASET celebrates its 16th foundational anniversary</a></li> </ul> </div> <div class="col-md-2"> <ul class="list-unstyled"> Account <li><a href="https://waset.org/profile">My Account</a></li> </ul> </div> <div class="col-md-2"> <ul class="list-unstyled"> Explore <li><a href="https://waset.org/disciplines">Disciplines</a></li> <li><a href="https://waset.org/conferences">Conferences</a></li> <li><a href="https://waset.org/conference-programs">Conference Program</a></li> <li><a href="https://waset.org/committees">Committees</a></li> <li><a href="https://publications.waset.org">Publications</a></li> </ul> </div> <div class="col-md-2"> <ul class="list-unstyled"> Research <li><a href="https://publications.waset.org/abstracts">Abstracts</a></li> <li><a href="https://publications.waset.org">Periodicals</a></li> <li><a href="https://publications.waset.org/archive">Archive</a></li> </ul> </div> <div class="col-md-2"> <ul class="list-unstyled"> Open Science <li><a target="_blank" rel="nofollow" href="https://publications.waset.org/static/files/Open-Science-Philosophy.pdf">Open Science Philosophy</a></li> <li><a target="_blank" rel="nofollow" href="https://publications.waset.org/static/files/Open-Science-Award.pdf">Open Science Award</a></li> <li><a target="_blank" rel="nofollow" href="https://publications.waset.org/static/files/Open-Society-Open-Science-and-Open-Innovation.pdf">Open Innovation</a></li> <li><a target="_blank" rel="nofollow" href="https://publications.waset.org/static/files/Postdoctoral-Fellowship-Award.pdf">Postdoctoral Fellowship Award</a></li> <li><a target="_blank" rel="nofollow" href="https://publications.waset.org/static/files/Scholarly-Research-Review.pdf">Scholarly Research Review</a></li> </ul> </div> <div class="col-md-2"> <ul class="list-unstyled"> Support <li><a href="https://waset.org/page/support">Support</a></li> <li><a href="https://waset.org/profile/messages/create">Contact Us</a></li> <li><a href="https://waset.org/profile/messages/create">Report Abuse</a></li> </ul> </div> </div> </div> </div> </div> <div class="container text-center"> <hr style="margin-top:0;margin-bottom:.3rem;"> <a href="https://creativecommons.org/licenses/by/4.0/" target="_blank" class="text-muted small">Creative Commons Attribution 4.0 International License</a> <div id="copy" class="mt-2">© 2024 World Academy of Science, Engineering and Technology</div> </div> </footer> <a href="javascript:" id="return-to-top"><i class="fas fa-arrow-up"></i></a> <div class="modal" id="modal-template"> <div class="modal-dialog"> <div class="modal-content"> <div class="row m-0 mt-1"> <div class="col-md-12"> <button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button> </div> </div> <div class="modal-body"></div> </div> </div> </div> <script src="https://cdn.waset.org/static/plugins/jquery-3.3.1.min.js"></script> <script src="https://cdn.waset.org/static/plugins/bootstrap-4.2.1/js/bootstrap.bundle.min.js"></script> <script src="https://cdn.waset.org/static/js/site.js?v=150220211556"></script> <script> jQuery(document).ready(function() { /*jQuery.get("https://publications.waset.org/xhr/user-menu", function (response) { jQuery('#mainNavMenu').append(response); });*/ jQuery.get({ url: "https://publications.waset.org/xhr/user-menu", cache: false }).then(function(response){ jQuery('#mainNavMenu').append(response); }); }); </script> </body> </html>