Planning, coordination & control of a project from initiation to completion aimed at meeting a client’s
requirements in order to produce a functionally & financially viable project that will be completed on time within authorized cost & to the required quality standards
The Australian pension system has undergone significant reforms since the early 1980s. Originally, it consisted of a flat universal state pension funded on a pay-as-you-go basis (Pillar 1), defined benefit pensions/lumps sums for some public sector workers (Pillar 2), and voluntary contributions (Pillar 3). It now features a flat state pension and compulsory defined contribution plans requiring 3-12% of earnings (Pillars 1 and 2). Coverage has increased to 92% of the workforce, most defined benefit plans have closed, and oversight focuses on independent trustee governance and diversified, prudent investing in members' best interests.
Planning, coordination & control of a project from initiation to completion aimed at meeting a client’s
requirements in order to produce a functionally & financially viable project that will be completed on time within authorized cost & to the required quality standards
The Australian pension system has undergone significant reforms since the early 1980s. Originally, it consisted of a flat universal state pension funded on a pay-as-you-go basis (Pillar 1), defined benefit pensions/lumps sums for some public sector workers (Pillar 2), and voluntary contributions (Pillar 3). It now features a flat state pension and compulsory defined contribution plans requiring 3-12% of earnings (Pillars 1 and 2). Coverage has increased to 92% of the workforce, most defined benefit plans have closed, and oversight focuses on independent trustee governance and diversified, prudent investing in members' best interests.
Πρότυπα στηρίζουν Πρότυπα: ISO 31000:2009, ISO 26000:2010, Ευρωπαϊκό Μοντέλο ...Triantafyllos Katsarelis
Οι νέες εκδόσεις των πιστοποιούμενων προτύπων ISO εισάγουν απαιτήσεις για Risk Based Thinking, Ενδιαφερόμενα Μέρη και Ηγεσία. Σημαντική βοήθεια για τη νέα αυτή προσέγγιση είναι δυνατόν να αναζητηθεί στα μη πιστοποιούμενα πρότυπα ISO 31000, ISO 31010, ISO 26000 και το μοντέλο Αριστείας EFQM.
The document summarizes Sweden's pension system, which has two pillars:
1) The state pension (first pillar) is based on income up to an annual ceiling and includes an income pension, premium pension, and guaranteed minimum pension.
2) Occupational pensions (second pillar) are negotiated collectively and cover about 90% of the workforce, paid by employers as defined contribution plans with individual choice of funds.
The second pillar has four main collective agreements and different contribution rates and replacement rates depending on the agreement and income levels. Swedes can track their pension forecasts online through a joint government and industry website or annual envelopes mailed to citizens. Future reforms may increase retirement ages and introduce tax incentives for third pillar
1) Fernando Jaime presented on securing the future of pensions and the growing importance of supplementary pension funds. Greece's population is aging rapidly and will put pressure on public finances and entitlement programs. This emphasizes the need to shift towards mandatory or voluntary funded pension savings through individual pensions or occupational pensions.
2) Insurance companies can play an important role by providing bundled pension solutions including asset management, life cycle investment strategies, and annuitization during payout to protect against longevity risk. A gradual transition is recommended, starting with voluntary contributions and lower contribution rates to establish supplementary pension funds.
Πρότυπα στηρίζουν Πρότυπα: ISO 31000:2009, ISO 26000:2010, Ευρωπαϊκό Μοντέλο ...Triantafyllos Katsarelis
Οι νέες εκδόσεις των πιστοποιούμενων προτύπων ISO εισάγουν απαιτήσεις για Risk Based Thinking, Ενδιαφερόμενα Μέρη και Ηγεσία. Σημαντική βοήθεια για τη νέα αυτή προσέγγιση είναι δυνατόν να αναζητηθεί στα μη πιστοποιούμενα πρότυπα ISO 31000, ISO 31010, ISO 26000 και το μοντέλο Αριστείας EFQM.
The document summarizes Sweden's pension system, which has two pillars:
1) The state pension (first pillar) is based on income up to an annual ceiling and includes an income pension, premium pension, and guaranteed minimum pension.
2) Occupational pensions (second pillar) are negotiated collectively and cover about 90% of the workforce, paid by employers as defined contribution plans with individual choice of funds.
The second pillar has four main collective agreements and different contribution rates and replacement rates depending on the agreement and income levels. Swedes can track their pension forecasts online through a joint government and industry website or annual envelopes mailed to citizens. Future reforms may increase retirement ages and introduce tax incentives for third pillar
1) Fernando Jaime presented on securing the future of pensions and the growing importance of supplementary pension funds. Greece's population is aging rapidly and will put pressure on public finances and entitlement programs. This emphasizes the need to shift towards mandatory or voluntary funded pension savings through individual pensions or occupational pensions.
2) Insurance companies can play an important role by providing bundled pension solutions including asset management, life cycle investment strategies, and annuitization during payout to protect against longevity risk. A gradual transition is recommended, starting with voluntary contributions and lower contribution rates to establish supplementary pension funds.
This document discusses the growing importance of supplementary pension funds in Europe. It notes that longer lifespans and falling birth rates are challenges for pension adequacy and sustainability. Multi-pillar pension systems that include mandatory, occupational, and personal pensions can help address these issues by better distributing risks. Supplementary pension schemes play an important role, as shown by the large sums they pay out annually in countries like Germany, UK, and Netherlands. The EU is reviewing regulations around occupational and personal pensions to promote a level playing field and enhanced consumer protection across countries.
The document provides an overview of traded life policies (TLPs) as an asset class. TLPs are US life insurance policies purchased at a discount from their fixed maturity value, generating a guaranteed profit. Important reasons for purchasing TLPs include their fixed returns unaffected by market fluctuations and their natural maturity date eliminating the need to find future buyers. The TLP market has grown significantly in recent decades and is projected to continue growing.
Optimum Global is a UK-registered company formed in 2005 that specializes in international health solutions, focusing on exclusive partnerships with a few select partners in various regions to provide locally suited products and services. They have partnerships with several "AA" and "A+" rated insurance companies and distribute exclusively in North Africa, East Africa, Southern Africa, Latin America, Central America, the Middle East, Central Asia, and Southeast Asia, now seeking to expand into Greece through an exclusive distribution agreement with ISIS and a commitment to the Greek market.
The document presents comparative cost data on medical procedures, physician fees, hospital charges, tests, and drug prices across several countries. It shows that prices for services like CT scans, physician office visits, hospital stays, and hip replacements tend to be higher in the United States than other countries like Canada, France, Germany, and the UK. The data was compiled by the International Federation of Health Plans to inform discussions around differences in total healthcare costs between nations.
The document discusses public-private partnerships (PPPs) in healthcare systems and provides examples from Abu Dhabi and Denia, Spain. It describes DAMAN, Abu Dhabi's compulsory public health insurance program established through a PPP with Munich Re. It outlines DAMAN's structure, products, and growth over time. It also summarizes the Denia project, a 15-year PPP contract in Spain integrating public health services and facilities under private management. The document concludes that strong private partners with expertise are key to PPP success and that gradual introduction of competition improves access, quality and efficiency.
MAPFRE is a large Spanish insurance group with operations in 40 countries. It pioneered direct claims settlement agreements in Spain, where over 90% of car accident claims are now settled directly between insurers. This streamlines the claims process, speeds up settlements, and improves customer satisfaction by avoiding lengthy court battles. MAPFRE has also innovated through "drive-in assessment centers" where customers can get damage assessments and replacement vehicles quickly. It now exports this direct claims settlement model and complementary services to insurance clients in other countries.
The document discusses cost containment strategies in health systems in Europe, the United States, and the United Kingdom. In Europe, health spending and performance varies widely by country. While total spending correlates somewhat with life expectancy, the public-private split does not seem to directly impact performance. In the US, consistent performers at containing costs emphasize quality care, financial incentives, health improvement, and data-driven decision making. Many successful companies have adopted consumer-driven health plans. In the UK, insurers focus on remaining competitive while employers prioritize other benefits; the NHS is exploring more public-private partnerships and giving patients more choice and control.
The document discusses direct settlement agreements in the French insurance market. It provides three examples: (1) Motor material damages agreement (IRSA) which settles over 1.7 million claims per year through fixed compensation amounts; (2) Home insurance water damages agreement (CIDRE and CIDECOP) which has more limited benefits; and (3) Motor insurance bodily damages agreement (IRCA) which settles over 200,000 claims per year, mainly through direct compensation. The document also notes that direct settlement can reduce costs when most insurers directly manage claims themselves and the market is shared among medium-sized insurers.
The document discusses Italy's transition from its previous direct indemnity agreement (C.I.D.) system to the new direct compensation (CARD) system following the 2005 Insurance Code. It covers the history and procedures of both systems, how the CARD system addresses weaknesses of C.I.D., and data on the effects of CARD on the motor third-party liability insurance market in Italy.
The document discusses Romanian law regarding compensation for victims in traffic accidents. It outlines the roles of the Street Victims Protection Fund and insurance laws and policies. It then addresses several scenarios and questions about determining liability and compensation for injuries, lost income, burial costs, and other damages according to this legal framework.
16. Retail Business Ασφαλιστικές Εταιρίες Προϊόντα IT Agent’s Services Ανάπτυξη Στρατηγική Χαρακτηριστικά Φερεγγυότητα Προϊόντα Προμήθειες Εξυπηρέτηση IT Support
17. Το μοντέλο Διακριτής Επιχειρηματικής Αξίας της Aon DCV Profitability Value Growth 4 Ανταποδοτικότητα- Αμοιβή με βάση την απόδοση 3 Κοινά συμφωνημένο σ χέδιο εξυπηρέτησης του πελάτη 2 Λύσεις Αξίας στις ανάγκες του πελάτη 1 Στρατηγικ ή Εκτίμηση των κινδύνων Ανάπτυξη Αξίας Κερδοφορία Διατήρηση Συγκριτικού Πλεονεκτήματο ς 5 Ενεργή Εξυπηρέτηση-Συνεργασία με τον πελάτη ΔΕΑ
