Limundo tim traži pojačanje!
Želiš da postaneš deo Limundo tima?
Želiš da zajedno sa nama proslaviš pola miliona korisnika?
Širimo tim i potreban nam je kolega ili kolegenica u korisničkoj podršci.
Limundo tim traži pojačanje!
Želiš da postaneš deo Limundo tima?
Želiš da zajedno sa nama proslaviš pola miliona korisnika?
Širimo tim i potreban nam je kolega ili kolegenica u korisničkoj podršci.
Oh!STUDIO - Agile Outsourcing for StartupsOh!STUDIO
Oh!STUDIO is an offshore software factory specialized in web startups, that helps turn technological dreams into successful ventures. Consultancy, outsourcing and technological services for entrepreneurs to create web software products that users love.
No business would exist without customers. Measuring how your
products or services meet or surpass customer expectation is vital
in order to keep your current clients and attract new ones to
your business
The document discusses income protection insurance and its importance. Income protection insurance provides regular payments if someone becomes temporarily or permanently disabled and cannot work, allowing their family to continue meeting monthly expenses without struggle. There are different types of income protection policies available that vary based on factors like occupation, age, health, and lifestyle. It is recommended to research companies offering effective income protection coverage at competitive rates.
The concern to keep levels of economic performance maintaining personal well-being conditions is a topic of major interest in most organizations under the current conditions of life context and the demands of production. On the one hand, it is clear the limit of growth rates in many manufacturing sectors in all regions of the world. Furthermore, due to global interdependence the instability is present in all levels of decision.
Tackling the inappropriate use of psycho-active medication in ScotlandAlzheimer Scotland
Dr Stella Clark, Medical Director,
Primary Care, NHS Fife; Clinical lead for Mental Health Services, NHS 24
Presentation from Alzheimer Scotland conference 2011 - Creating Better Dementia Care.
1. The document summarizes a seminar on Rashtriya Swasthya Bima Yojna (RSBY), a public-private partnership health insurance scheme in India.
2. The keynote speaker, Mr. Anil Swarup, highlighted how RSBY aims to provide health security for the poor through facilitating private market players rather than regulation, and leveraging technology to prevent fraud and allow real-time management.
3. RSBY also seeks to empower beneficiaries through choice of hospitals and portability of benefits, and create competition to improve quality of care. It could serve as a model for expanding India's social security system nationally and beyond.
Oh!STUDIO - Agile Outsourcing for StartupsOh!STUDIO
Oh!STUDIO is an offshore software factory specialized in web startups, that helps turn technological dreams into successful ventures. Consultancy, outsourcing and technological services for entrepreneurs to create web software products that users love.
No business would exist without customers. Measuring how your
products or services meet or surpass customer expectation is vital
in order to keep your current clients and attract new ones to
your business
The document discusses income protection insurance and its importance. Income protection insurance provides regular payments if someone becomes temporarily or permanently disabled and cannot work, allowing their family to continue meeting monthly expenses without struggle. There are different types of income protection policies available that vary based on factors like occupation, age, health, and lifestyle. It is recommended to research companies offering effective income protection coverage at competitive rates.
The concern to keep levels of economic performance maintaining personal well-being conditions is a topic of major interest in most organizations under the current conditions of life context and the demands of production. On the one hand, it is clear the limit of growth rates in many manufacturing sectors in all regions of the world. Furthermore, due to global interdependence the instability is present in all levels of decision.
Tackling the inappropriate use of psycho-active medication in ScotlandAlzheimer Scotland
Dr Stella Clark, Medical Director,
Primary Care, NHS Fife; Clinical lead for Mental Health Services, NHS 24
Presentation from Alzheimer Scotland conference 2011 - Creating Better Dementia Care.
1. The document summarizes a seminar on Rashtriya Swasthya Bima Yojna (RSBY), a public-private partnership health insurance scheme in India.
2. The keynote speaker, Mr. Anil Swarup, highlighted how RSBY aims to provide health security for the poor through facilitating private market players rather than regulation, and leveraging technology to prevent fraud and allow real-time management.
3. RSBY also seeks to empower beneficiaries through choice of hospitals and portability of benefits, and create competition to improve quality of care. It could serve as a model for expanding India's social security system nationally and beyond.
CIRM's annual plan for 2011-12 focuses on several thematic learning areas and projects. The thematic areas are identification and prioritization of add-on risk reduction services, technology-enabled services like telemedicine, demand responsive simple insurance products, and agent-based and sales channel education models. CIRM will also focus on insurance literacy, government advocacy, and vulnerability segmentation. Many of CIRM's projects have shifted from conceptualization to implementation, with some entering mainstreaming. Specific projects include technology-leveraged health insurance distribution, evaluation of government health insurance schemes, and livestock and weather insurance products.
The document outlines the agenda for a two-day Micro Health Insurance Forum in 2011. Day 1 focuses on increasing access to micro health insurance through value-added services, streamlining pricing, diversifying distribution channels, and effective claims management. Day 2 covers using technology and telemedicine to reduce costs, involving service providers and microfinance institutions as stakeholders, and expanding coverage to low-income households through government schemes. The forum aims to discuss challenges and innovative solutions for mainstreaming micro health insurance in India.
The Technical Round-Table on Livestock Risk Management brought together stakeholders from the livestock industry to discuss challenges and potential solutions. Key players from public and private insurers, micro-finance institutions, dairy service providers, research institutions, and government bodies participated. The round-table aimed to facilitate collaboration to improve livestock productivity and risk management. Major topics discussed included supply chain challenges, bundling insurance with other financial/non-financial products, and developing comprehensive products beyond death cover. The event highlighted commitments to collective efforts to protect small cattle owners from losses and support a sustainable livestock industry in India.
Promoting adaptation through information: Flood insurance and weather insuranceCIRM
Mr Arindom Baidya, Agricultural Analyst at the Centre for Insurance and Risk Management presented on Promoting adaptation through information; flood insurance and weather insurance at the Financial Instruments for Climate Change Adaptation seminar on May 16th 2011.
Integrated Insurance & Risk Mitigation solution for diary farmersCIRM
This document describes an integrated cattle insurance and risk mitigation solution for dairy farmers offered through Kshetriya Gramin Financial Services (KGFS) in partnership with other organizations. The solution aims to address issues with existing cattle insurance products such as high costs, lack of information, and unfavorable terms. Key features of the new product include using RFID tags for cattle identification, providing preventive healthcare, integrating IT systems for fast policy issuance, and a claims settlement process that pays claims within 72 hours. The roles of KGFS, a dairy healthcare provider, and HDFC Ergo insurance are also outlined.
This document provides a state of the sector report on microfinance in India for the year 2009. It begins with an overview of the growth and maturity of the microfinance sector in India, noting that self-help group (SHG) bank linkage programs and microfinance institutions (MFIs) have expanded financial access. It then analyzes the SHG bank linkage program and the growth of MFIs as commercial institutions. It also examines regulatory issues and the need for consumer protection. The report provides insights into technology use, financial inclusion efforts, human resource challenges, and the future of the Indian microfinance sector.
The document summarizes the activities and outcomes of the EHISTO project, which aims to develop intercultural and media literacy skills in history education. Key points include:
- Twelve interactive learning objects on two historical topics ("Columbus" and "WW1 outbreak") were created using magazine articles from partner countries and are now available online.
- The second project meeting was held in Łódź, Poland, where university seminars and teacher training concepts for implementing the learning objects were presented and evaluated.
- The learning objects, seminars, and training will be improved based on feedback and then disseminated to support multinational, media-critical history teaching across Europe.
Delivering micro health insurance through national rural health missionCIRM
The document proposes a framework for developing sustainable health insurance models under India's National Rural Health Mission (NRHM) to address challenges in health financing. It discusses how health insurance can help risk pooling for inpatient care, increase health service utilization, standardize quality care, and cover access barriers. The document recommends increasing government health spending, addressing supply and demand barriers for the poor, and mitigating risks of catastrophic out-of-pocket expenditures. It analyzes models of community-based health insurance and proposes a national apex body to develop standardized protocols, rates, and referral systems to make health insurance more efficient and equitable.
Cirm presentation impact evaluation of health microinsuranceCIRM
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Technical Roundtable on Livestock Risk ManagementCIRM
The agenda outlines a technical roundtable on livestock risk management held in 2010. The day-long event included introductions from participants and their organizations, a discussion of challenges in livestock risk management. Topics discussed included stakeholders in the livestock supply chain and challenges within distribution channels, bundling insurance with financial and non-financial products, and an open discussion. The event concluded with a summary from the executive director of CIRM.
Rashtriya Swasthya Bima Yojana – Performance Trends and Policy RecommendationsCIRM
India is characterized by modest health indicators, a paucity of medical financing schemes that have reached scale, high per capita out-of-pocket health expenditure, and very low public health spending on low-income citizens. The lack of financing options especially when the population is facing a double burden of disease (frequent communicable and catastrophic lifestyle diseases) leads to poor health outcomes and to poverty traps. Hence, optimal public health financing is important for improving national health outcomes and reducing vulnerability.
Financing Disaster Management in India: Possible InnovationsCIRM
This document analyzes financing for disaster management in India. It discusses the current system of using the Calamity Relief Fund and National Calamity Contingency Fund, which focus on post-disaster relief. It recommends exploring pre-disaster financial risk management options like insurance and catastrophe bonds. A domestic insurance market could help, but faces challenges. With climate change and increasing urbanization, stronger disaster financing strategies will be needed to support India's growing population and infrastructure.
Kagad kach patra kashtkari panchayat health insurance schemeCIRM
The document describes a health insurance scheme for waste pickers in Pune, Maharashtra, India. Key points:
1) The scheme provides basic hospitalization coverage up to Rs. 5000 for waste pickers registered with the Kagad Kach Patra Kashtkari Panchayat union.
2) The Pune Municipal Corporation pays the annual premium for over 5000 enrolled waste pickers.
3) Coverage and enrollment have increased over time. Claims are processed via reimbursement at any registered hospital in Pune.
Health microinsurance experience of grameen kootaCIRM
Grameen Koota (GK) operates as a division of the Grameen Financial Sevices. Pvt. Ltd. (GFSPL), a Non Banking Financial Company (NBFC) based out of Bangalore, India, offering microfinance services to the poor using the Grameen model. Over the years, Grameen Koota (GK) has moved beyond microcredit lending to offer insurance services to its clients. This paper documents its journey in health microinsurance and draws learnings from its experience.
Health ecosystem achieving impact in community health through public private ...CIRM
This paper discusses how the failure of the public and the private healthcare systems has affected the poor. It also tries to explore the possibility of a financial mechanism like insurance and how it can bring about (from experiences drawn from other countries) the much needed health systems reform. This overall theme is known as the Health ecosystem Concept. This concept visualizes public health system beyond the realm of preventive/promotive care and explores newer avenues for Public-Private Partnership for curative care. In this document, insurance is visualized as not only paying for the curative care of the community but also tries to overcome the systemic errors in the current set up by improving infrastructure, providing incentives for man power and bringing about overall accountability into the system. It also suggests the use of technology to integrate and bring about efficiency in the entire health system and generate essential data in the process for evidence based action.
Government run crop yield insurance scheme, procurement at minimum support prices and calamity relief funds are the major instruments being used to protect the Indian farmer from agricultural variability. However, crop insurance covers only about 10% of sown area and suffers from an adverse claims to premium. There are problems with both the design and delivery of crop insurance schemes. These problems could be overcome with rainfall insurance with a well developed rainfall measurement infrastructure. Private and public insurers are currently experimenting with rainfall insurance products. Given the current levels of yield and rainfall variability the actuarially fair premium rates are likely to be high and in many cases unattractive or unaffordable. Instead of adopting the easy and unsustainable route of large subsidies, in the long term the government should consider risk mitigation through improvements in the irrigation and water management infrastructure.
This document discusses weather risk management in India and the potential role of weather derivatives. It notes that over 70% of Indian agriculture is dependent on monsoons, making the sector highly vulnerable to weather fluctuations. Other industries like energy and manufacturing also face revenue losses due to weather. The document examines how weather derivatives could help mitigate these risks by allowing entities to hedge their weather exposures. It provides context on India's weather insurance market and outlines some challenges to further development, such as limited weather data infrastructure and high premium rates. Overall, the document analyzes the rationale for a weather derivatives market in India to strengthen the country's management of weather risk.
1) India faces a growing aging population and need for retirement savings as fertility rates decline and lifespans increase. Only 28 million of India's 397 million workforce are in the organized sector with pension plans.
2) The government provides some pension support but the burden is unsustainable. It is encouraging household savings for retirement through programs like the New Pension Scheme and state-level micro-pension plans partnering with organizations like Invest India Micro Pension Services.
3) IIMPS delivers low-cost pension and insurance products to informal workers through partnerships, seeking to reduce distribution costs using IT platforms and provide a bundled product with CIRM's pilot of life insurance for IIMPS pension clients in Rajast
Review of the current state of world capture fisheries insuranceCIRM
The FAO Fisheries and Aquaculture Department decided to carry out this world review in recognition of the opportunities fisheries insurance services can offer to the sustainable development of capture fisheries in the developing countries. The review covers the following regions and countries: Asia (China, Japan, India), Africa (Mauritania, Morocco, Namibia, South Africa, ), Europe, the Russian Federation, the United States of America, South America (Peru, Chile) and Oceania (New Zealand, Australia).
Livestock insurance lessons from the indian experienceCIRM
The study began with an objective to develop a deeper understanding of livestock insurance sector challenges and to identify potential solutions to enable the growth and proliferation of livestock insurance in developing countries. As India is one of the largest markets for livestock insurance, and one where livestock insurance products have been in existence for the past many years, it was worth understanding the Indian livestock insurance market and learn from it about the various challenges faced, so that those challenges could be addressed efficiently in future in India and other developing markets. The study includes multiple dimensions, such as: understanding the Indian livestock insurance industry, challenges faced by insurers in massification of livestock insurance and various delivery channels presently in vogue in India. It also includes understanding the performance of livestock insurance products and the impact of various policy efforts by the Indian insurance regulator. The idea is to suggest possible catalysts necessary to ensure higher uptake of livestock insurance space. The study is targeted to benefit national and international livestock insurers, brokers, academia and aggregators like cattle cooperatives, MFIs, NGOs and dairies.
This document summarizes a study that piloted an index-based crop insurance product for farmers in India that utilized remote sensing techniques. The study had three phases: gathering farmer needs/preferences, designing and offering an insurance product based on vegetation indices and weather data, and then gathering post-implementation feedback. The insurance product combined NDVI and rainfall indices to calculate village-level payouts. Uptake of the insurance was low but feedback suggested basis risk was lower than traditional products. The study concluded index-based insurance utilizing remote sensing data has potential if accuracy can be improved and costs reduced through government support.
CIRM in collaboration with the Institute of Water Modelling, Dhaka, Bangladesh published a report on Flood Hazard Model for an Index Based Flood Insurance Products for Sirajganj District, Bangladesh.
This document summarizes the findings of a qualitative study conducted to understand farmer perceptions of a new livestock insurance product in India that utilizes RFID tags. Focus group discussions were held with farmers in villages where the insurance product was offered, some with RFID tags and some with traditional tags. Key findings include: 1) Farmers saw benefits of RFID tags for easier enrollment and claims processing. 2) However, some farmers had issues with unreadable RFID tags delaying claims. 3) Overall awareness and satisfaction with the insurance was high thanks to education by agents, but interest in renewals was low due to perceived low value of insurance.
Case Study on Community Based Livestock InsuranceCIRM
CIRM published a Case Study on An Exploration - Community Based Livestock Insurance Scheme, Vizianagaram demonstrating that community based models (CBM) can help reduce frauds, moral hazard, and transaction costs. This case study was presented at the 6th International Microinsurance Conference in Manila, Philippines.
The document discusses Rashtriya Swasthya Bima Yojana (RSBY), an Indian government health insurance program. It analyzes data on conversion ratios (percentage of eligible people enrolled) and incidence ratios (number of claims per enrolled person) to identify trends and form hypotheses. Conversion ratios vary significantly between states and districts, possibly due to low demand, limited marketing or inefficient administrators. Incidence ratios also fluctuate widely and could be influenced by accumulated risk, endemic disease, or fraud. The analysis raises questions about decentralization, grievance redressal, government pricing, and quality control.
The document summarizes a presentation about the Microinsurance Databank project. The project aims to create a live dashboard of microinsurance market data in India called the Microinsurance Map (MiM) to catalyze growth in the sector. MiM will collect and analyze data on products, outreach, claims, pricing and more from insurers, intermediaries and public sources. It will produce reports, tools and analysis to help various stakeholders including insurers, intermediaries and policymakers. The project aims to address data gaps in microinsurance and help replication of best practices, innovations and evidence-based decision making.
Community based livestock insurance case studyCIRM
CIRM published a Case Study on An Exploration - Community Based Livestock Insurance Scheme, Vizianagaram demonstrating that community based models (CBM) can help reduce frauds, moral hazard, and transaction costs.
This document describes two randomized controlled trial experiments being conducted by the Centre for Insurance and Risk Management (CIRM) in India to evaluate the impact of health microinsurance and related interventions.
The first examines an intervention by Calcutta Kids providing outpatient counseling services along with inpatient health insurance to increase renewal rates. The second examines an intervention by CARE Foundation providing outpatient counseling services to improve health outcomes. Both studies use RCT methodology to rigorously evaluate the impact of the interventions on key indicators like renewal rates, health expenditures, and client value. The results will help inform product design and policy to strengthen health microinsurance.
Mr Anil Swarup Dir General, Ministry of Labour & Development, Govt of India presented on the biggest health insurance scheme (RSBY) run by the government at a seminar hosted by CIRM in Chennai, India
1. Sf y eso Al
a t N tfr l
e
P bi t n
u l ai
c o
Mc iu ne
CR pbse a ae td o A E po ain- o
IM ulhd C s S y n n x lrt
i u o C mmu i B sd
nt ae
y
Lv so k Isrn e S h me Vz n g rm dm nt t g ta
i tc nu a c c e , i a a aa
e i e o s an ht
ri
cm ui bsd o e ( B ) a hlrdc f us oahzr,n
o m n y ae m dl C M cn e euer d, rlaadad
t s p a m
ion r c
t nat n ot
r sco cs .
a i s
r sa
Ra M r
e d oe
Mi onu a c C nee c
c isrn e o frn e
r
CR peetd f rppr a te 6h I ent nlMco srne
IM rsne o u aes t h t n rao a i i uac
t i rn
C n rne i M na Pi p e. T ee i l e C m ui Bsd
o f ec n ai, hi i s hs n u d o m n y ae
e l l n
p cd t
L etc I uac,SYIpc Ea ao o H ah io srne n
i s kn rneR B , at vl t n f el Mc i uac ad
v o s m ui t rn
C et g N t nl a bn o R rln Mco srne rdc .
ran a ao aD t ak f uaad i i uac Po ut
i i a rn s
Lv so k
ietc RB
SY H at
elh D tb n
aa a k
Mi onu a c Ma
c isrn e p
r
CR icet g nt nl i o srne a bn bsd n cu u td
IM s ran a ao aMc i uac dt ak ae o acm le
i i rn a a
l ri s n pate f mvr u mco srnen ii sT e ese
e n g ad rccsr ai s i i uac itte. h w bi
a n i o o rn i v
a t
hs a m re iom t n pg truh w i gah so i
a akt n r ao
f i ae ho g h h rps h wn
c g
mco srne t nsi I i cn b gnrtd I a o hsa rk
i i uac r d n n a a e eea . t l a
rn e d e s i
s
iom t npg truhw i vr u rkdt cnb gnrtd T e
n r ao ae ho g h h ai s i a a e eea . h
f i c o s a e
w bi ( w .i o srne a. m w s otanhdtim nhad
ese w wmc i uacm p o ) a sfl ce h o t n
t rn c u s
w l kow r t yu f dak
eo fr ad o o re bc.
o e
Ve We s e
iw bit
L t C n et
e’ o n c
s Lse t C R s
i n o IM’
t
p d at nteue
o cs o h s
o mo i p o e i
f bl h n sn
e
dsr uin
i i t
tb o
fl u!
oo s
lw tets
w eu! lk s
i u!
n e is
- l!
ma u Cikt Lse
l o i n
c t
C nr fr nu a c a dRs Ma a e n
e te o Isrn e n i k n g me t
I M R sac Pr,hs 11t F o, o:, aaa Vlg, ei Tdlak
IT eerh akPae ,0h l rN 1K ngm i eB h d i Pr,
o la n e
T rm n C eni 601. fe+ 1 4 6 8 26
aa ai hna- 013Of : 9 4 66 7 0
, ic
W e s e w wi r cn i |Bo : w . r cn i /o
bi : w . . ./r
t f a ic m
m lg w wi . ./r b g
f a ic m l
m