保险,减灾与发展之关联及对策

通过对保险公司经营方式的分析，阐述了近年来自然灾害大幅度止升对保险业稳定发展的影响以及保险公司在减灾防灾中拥有的信息，人员，管理以及工作方式等方面的优势，并对保险公司与社各界的合作领域及内容提出了自己的见解。     

我国震灾保险研究若干问题的思考

本文在评价国外震灾保险制式的基础上，对国内该项研究的若干基本问题作了剖析和探讨，进而指出，只有挣脱传统观念的束缚，才能构建合乎国情民意的合理运行模式。     

论保险业在减灾中的作用

灾害对生命财产造成巨大损失。在充满灾害风险的环境中,保险不仅是灾后补偿灾害损失的一种有效措施,而且能在灾前通过保险费率的厘定在土地利用、区域规划、结构加固等方面起到减轻灾害的控制作用。因此保险业是减灾工作中的重要力量。     

Contextual influences on national level flood risk communication

With high profile flooding events and increasing risk and probable damages of flooding in the future flood risk management (FRM) in England and Wales has undergone substantial changes over the last decade. The contextual influences on flood risk communication in the areas of flood forecasting, warning and response, spatial planning and development control and flood insurance at a national level are investigated in this paper. Research is based on qualitative interviews with 21 representatives of key organisations and activities at a national level of FRM. Drawing on communication theory the research highlights the key contextual features at play: the characteristics of communication flow through organisations, the importance of policy as a communication tool informed and constrained by flood events, organisational agendas, communication approaches and the development of knowledge and technology. The paper describes the influence of clear policy guidance on activities in certain government FRM communication initiatives and the commercial imperative driving the insurance industry activities.     

Confronting flood risk: implications for insurance and risk transfer

The UK floods in late 2000 reinforced an emerging awareness which questioned the long-term sustainability of an exclusive reliance on hard-engineered flood defences to protect the UK population against increased flood risk. The debate has subsequently focused on a broader interpretation of the risks associated with flooding. This paper explores the notion that, although social and technical issues are already being integrated to understand and manage flood, practitioners are now realising the importance of accommodating public hazard understanding and perception of risk into their management models, and there remains a need to fit such ideas to the insurance-based system of flood management in the UK.     

地震专项保险与震情指数预报

本文论证了我国现行保险制度处理震灾保险上的弊端,建议设置震灾专项保险,为此拟定了特殊的承保—理赔准则;分析了地震预报难以发布的原因,从探究地震和保险内在的协同与制约关系中试图建立一种以动态保险费率作为各地震情指数的隐含预报模式。     

Effect of loss control service on reported injury incidence

INTRODUCTION: A retrospective analysis evaluated the effectiveness of an insurance carrier's flexible loss control service strategy in reducing workers' compensation policyholders' reported injury and illness claims. OBJECTIVES: To assess the effects of a loss control service strategy on workers' compensation claim frequency rates, on medical-only claim rates, on severity-claim rates, and on claim cost among a group of California employers. METHODS: Eighty-two small- and medium-sized companies with workers' compensation policies expiring in 1999 were randomly selected from a population of policyholders assigned to loss control consultants for two or more years. Claim performance data were obtained for each company's first expired in-force policy year and its 1999 expired policy year. The retrospective design was combined with a control component based on a randomly selected comparison group of 45 companies whose first policy year with the insurer expired in 1999 and who received safety services from the loss control staff. RESULTS: The flexible loss control consultation service strategy was associated with lower average claim rates and costs. Companies assigned to a loss control consultant for two or more years (the "outcome group") had an average claim rate of 1.24 per $10,000 premium, compared with a rate of 1.62 in the "initial group" and a rate of 1.60 in the "comparison group." The average severity-claim rate of the outcome group was 0.32, compared with the initial-year and comparison-group means of 0.48 and 0.46, respectively. The average medical-only claim rate was 0.92, compared with the initial- and comparison-group means of 1.14 and 1.14. The outcome group's average loss ratio was over 10% lower than that of the initial and comparison groups. Statistical analysis indicated that differences among the groups' claim rates and severity-claim rates were [F=(2,206) 4.938, P=0.008] and [F=(2,206) 8.208, P<0.001], respectively. CONCLUSIONS: A loss control service strategy that provides service flexibility and develops partnership between employer and consultant can help reduce the frequency and severity of workers' compensation claims. Barriers to consultation service flexibility, both internal and external, should be identified and removed to enhance service efficacy.     

Socio-cultural inequities in access to prenatal diagnosis: The role of insurance coverage and regulatory policies

The article presents the results of a 4-month-period survey by questionnaire among all women attending the Marseille Centre for Prenatal Diagnosis for amniocentesis. Socio-cultural status of women getting access to amniocentesis is significantly higher than in the general population of pregnant women in the same geographic area of south-eastern France. Sociocultural status is also higher among women who have to cover costs of procedure to get access to amniocentesis than among those who benefit from it free-of-charge according to French Social Security regulations. In contrast, risk perception and attitudes toward termination of pregnancy are similar in these two groups. A total of 24·4 per cent of respondents declared that they got access to amniocentesis ‘on their own initiative’, the remaining 75·6 per cent declaring that they ‘were following medical advice’. Multidimensional analysis shows that the women who do not benefit from free-of-charge amniocentesis, and who have a high level of education and no antecedents of fetal and perinatal deaths, are more likely to perceive themselves as ‘self-referring’. The study indicates that institutional coverage may be effective in reducing socio-cultural inequities in access to prenatal diagnosis. But such a policy may conflict with the respect of women' s individual autonomy in the amniocentesis decision.     

试论保险公司的洪涝减灾对策

洪涝是危害极为严重的灾种之一，并正在日益加剧。它在给人民生命财产造成巨大损失的同时，也给保险经营构成严重威胁。作者在分析我国洪涝灾害特点和规律的基础上，从保险公司角度提出洪涝的防灾减灾对策，以求把洪涝灾害造成的损失减少到最低程度，实现社会效益和自身效益的双重目标。     

安全文化与保险业的发展

讨论安全文化与保险业的相互关系。随着安全文化的发展，人们的风险意识逐渐增强，因而出现了保险业。由于保险业具有补偿损失职能和经济给付职能，因而减小了风险损失，保障人们健康、安全、舒适、高效地生活和工作，同时也促进了人们风险意识的提高。因此，安全文化与保险业将相互促进，相互发展