...ANZ BANK Product: Insurance ANZ, is the 4th largest bank by market capitalisation In Australia,. The Australian operations make up the largest part of ANZ business. ANZ is the largest bank in New Zealand. They merged with New Zealand they merged with New Zealand National Bank in 2003 and were called ANZ Bank New Zealand in 2012. ANZ was established on First October 1951 when the bank of Australasia was merged with the Bank of Australia Limited and before both these banks merged there was the Unioun bank of Australia which was in existence since 1840. ANZ is headquartered in Melbourne and its headquarters for New Zealand is in Auckland. and in New Zealand alone they have about 9000 employees. Some of their key Services are: Cheque accounts Insurance Consumer finance ANZ vision statement as quoted by Susie Babani the group Managing Director says that ANZ banks on their employees Defining Insurance It’s a contract in which a person receives financial protection against losses from a insurance company, The insurance company collects clients risks to make payments more affordable for the insured. ANZ offers different types of Insurance some of the insurance they offer are Personal Insurance : insurance of humans against the risks of death or health Business Insurance : Managing the risk of your business or running operations ,Anz is there to cover future. ...
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...CASE STUDY ANALYSIS UNIT 12 MODULE 64 Case Study Analysis Module 64- Health Care Legislation When government decided to pass the health care reform act, I have always supported this effort. I rank my response as a two within the parameters of “strongly in favor.” For years many people in American have suffered at the mercy of insurance companies using their power and authority to blindside and push the American people into a corner mentally, physically, and financially leaving them desperate and in need health care. I have always felt that it was the government’s duty to step in and regulate this matter in a way that would turn the tables on the negative tactics of the insurance industry and allow the American people to benefit from proper health care coverage for themselves and their families. The government has not only stepped in but has stepped in with aggression, even posing fines on citizens that do not purchase health coverage. Although I support the health care reform act, I am against the portion of the law that poses fines on people for not purchasing health care. I rank my response as a 6 within the parameters of “strongly oppose.” I fully understand the impact that uncovered citizen’s cause on the economy and tax payers. The penalty itself sends a message that speaks volumes and punishes people in ways that are not fair or just. According to povertyusa.gov, more than 46 million Americans live in poverty; American families were having a difficult time making ends...
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...4 Information Systems at Travelers Insurance Executive Summary Management information systems allow a company to effectively manage their operations through the use of technology, people, and information.10 Travelers Insurance utilizes this system to manage its operations throughout the world. It has allowed the company to offer its customers many policy options and services. Without Travelers management information system, consumers would have been unable to enjoy the services offered by this expansive company. Through the use of management information systems, Travelers Insurance is able to provide its customers with the products and services they desire and their employees with the information they need. Introduction to Travelers Travelers Insurance is one of the largest holders of insurance policies in the country. As a Fortune 500 company, it is a business that is substantial to the U.S. economy. With an excellent information system, the company is able to maintain a large presence. What is Travelers Insurance? Travelers Insurance is one of the largest insurance companies in the nation. In 1864, the company developed in Hartford, Connecticut by James G. Batterson. Initially, the company sold life and accident insurance, but it has since broadened its products to include property, life, health, and several business policies among the other numerous products offered.1 The mission statement is stated from Company Statements and Slogans. “Travelers offers a wide...
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...healthcare information management is yet to be tapped Who are in healthcare information management business today? (for diabetes management) (Good tie ups/network) (Allows you to store and manage all health information ) (Indian website connecting colleges, office & hospitals) Where’s the gap Increasing costs Decreasing platforms Blue Ocean Strategy Eliminate Raise Documentation & delays Portability Reduce Create Dependence on fresh reports Convenience partners (Travel, Insurance, Pharma cos can partner) The Solution HealthVine “Healthcare information on the move” Accessible Convenience Timely & updated HealthVine Portability Availability Relevant Vision To be a world class seamless and timely healthcare information management provider Scope of Business: Live Quotes • “There is a huge vacuum present in healthcare information resources in comparison to credible players like WebMD, Revolution health etc. in the US and thus people in India have a great need for a credible source of information.” • Mr. Nelson Feranandes, Online Marketing & eCommerce professional (Apollo Hospitals, ICICI Lombard, etc.) Whom are we talking to Medical professionals Corporates/Staff Frequent Fliers/Travellers Insurance Companies Pharmacists Schools & Educational groups How does it work Step 2 Step 1 User...
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...Systems – for BIGHOSP, a major hospital.(4) 3 2.4.1 Purpose 3 2.4.2 System Users 3 2.4.3 Inputs to the System 4 2.4.4 Outputs from the System 4 3. HomeQuotes Solution 4 3.1 Mission 4 3.2 Functional Requirements 4 3.3 System-Level Use Cases 5 3.4 System-Level Constraints 5 4. Appendices 6 5. References 6 Introduction Information System is a judicious mixture of people, data, processes and information technology that collectively gather, process, store and provide the needed information as output, to users that will help support the organization. There are two parts to this assignment. The first part, explains four different types of information system for a given industry. The second part uses the System analysis methodology to implement a solution for HomeQuotes company. Assignment Part 1 Management Information Systems - for WallGray’s pharmacy chain.(1) Purpose The primary purpose of this system will be to collect both product and patient-focused parameters from different locations and use this information to estimate demand, allocate resources and monitor operations in each of these locations....
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...Five Competitive Forces Analysis in the Insurance Industry RichardSmith Managerial Economics December 6, 2013 Industry Insurance is something that is needed by everyone today. It is used by individuals, business, corporations, etc. to help mitigate or minimize their financial risk. Various types of insurance exist today, from home, health, life, auto, travelers, indemnity, boat, renters, and even pet. Competition between insurance carriers is very stiff. In fact, in the United Kingdom (UK), the competition is so stringent, they have created a Competition Commission (CC), which is designed to ensure healthy competition between insurance companies in the UK for the ultimate benefit of the consumers and the economy ("Competition Commission GOV.UK."01). Many insurance companies have gotten caught up in having an unbalanced pool of insurers because they were not prepared and did not do their homework. The have to be very careful in their underwriting process to ensure they insure the most desirable individuals. Many insurance companies have learned quickly the value in the knowledge and power of information obtained from doing research and the huge financial risk associated with getting stuck with a poor unbalanced pool of insured. Therefore, many insurance companies today are utilizing various tools and setting themselves apart from the competition via the competitive forces in an effort to avoid the financial repercussions associated with not being prepared. That way...
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...Affordable Care Act (ACA) has had a significant impact on the American health care delivery systems. The passage of this bill mandates that all Americans must have health care coverage and that insurance companies cannot disqualify applicants due to preexisting conditions (National Council of State Boards of Nursing, 2014). These changes will undoubtedly lead to an increase in the number of people seeking medical care, particularly those with chronic diseases. It is estimated that this influx in the number of patients will result in a primary care provider shortage of 20% by the year 2025 (Poghosyan, Boyd & Knutson, 2014). With many new physicians choosing to pursue specialties due to the promise of a larger salary, hospitals and clinics will need to start looking to other health care providers, such as nurse practitioners, to fill this role. The purpose of this paper is to discuss the role nurse practitioners play with regards to the Affordable Care Act by examining the history and qualifications of nurse practitioners, the current practice of nurse practitioners, the basics of the Affordable Care Act legislation, and potential nursing challenges. History of Nurse Practitioners The role of the modern day nurse practitioner emerged in the late 1960’s out of necessity for more primary care providers. When Medicare and Medicaid were enacted during this time, there was an influx of people with medical insurance but not enough healthcare providers to take care of them. Many physicians...
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...All interviews were audio-recorded and transcribed Verbatim for thematic analysis. Three members of the research (HM, CW and CS) team independently read and re-read each transcript in order to achieve as broad an understanding of the content as possible. A thematic analysis was conducted using open coding and then axial coding and, in keeping with Grounded Theory, no pre-specified hypotheses were established. As the concepts arose, the three researchers, in the margins of each transcript, independently coded them. Among the various key concepts uncovered in the transcripts were: “time,” “conflict,” “concern,” “prioritization,” “defer,” “evidence-based,” “impacts,” “benefits,” “prevention visit,” Non-prevention visit,” “time consuming,” “ easy...
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...extra double spacing between paragraphs. Header The header must be second and all pages following, including the reference list. The header consists of an abbreviated title and the page number. Header must be ½” from the top of the page and 1” from the right edge of the page. Title Page Contains the following information, centered on the page, double spaced • Running Head with abbreviated title and page number • Full Title • Writer • Instructor • Course • Date 2 PARTS TO APA STYLE 1. IN-TEXT CITATION Placed in parentheses within the text of the paper to document source of information 2. REFERENCES PAGE List of sources cited in paper IN-TEXT CITATION Direct Quote – using exact words of a source • Use quotation marks “ “ • Include page # or paragraph # Book, Magazine, Journal article: (author’s last name, publication date, p. #) Ex: (Smith, 2002, p. 12). Webpage article w/author: (author, copyright OR last update, para. #) Ex: (Jones, 2004, para. 3). Webpage article with NO author: (“shortened article title”, copyright OR last update, para. #) Ex: (“Pizzas”, 2003, para. 4). Paraphrase – restating a source in your own words • No quotation marks used • No page or paragraph # Book, Magazine, Journal article: (author’s last name, publication date) Ex:...
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...paragraphs 5 spaces. Do not use extra double spacing between paragraphs. Header The header must be on all pages, including the title page and reference list. The header consists of an abbreviated title and the page number. Header must be ½” from the top of the page and 1” from the right edge of the page. Title Page Contains the following information, centered on the page, double spaced • Header with abbreviated title and page number • Full Title • Writer • Instructor • Course • Date 2 PARTS TO APA STYLE 1. IN-TEXT CITATION Placed in parentheses within the text of the paper to document source of information 2. REFERENCES PAGE List of sources cited in paper IN-TEXT CITATION Direct Quote – using exact words of a source • Use quotation marks “ “ • Include page # or paragraph # Book, Magazine, Journal article: (author’s last name, publication date, p. #) Ex: (Smith, 2002, p. 12). Webpage article w/author: (author, copyright OR last update, para. #) Ex: (Jones, 2004, para. 3). Webpage article with NO author: (“shortened article title”, copyright OR last update, para. #) Ex: (“Pizzas”, 2003, para. 4). Paraphrase – restating a source in your own words • No quotation marks used • No page or paragraph # Book, Magazine, Journal article: (author’s last name, publication date) Ex: (Smith...
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...Adam Thompson Bryant & Stratton Research and Writing II - ENGL 250 – 551 Dr. Sharma July 26, 2014 Insurance is a two-way legal agreement between the insurer and the customer. The customer, which may be an individual, business, or other entity, agrees to pay the premiums as required, in exchange for monetary protection from the insurer for any possible substantial loss. Customers usually obtain insurance, not to cover the trivial incidents of life or business, but to cover the potential significant losses which could be a financial hardship for them. The premiums of all customers of the insurance company are pooled together. The insurance applies statistical analysis to determine the chance that a particular event might occur to one of their customers. From this analysis they can determine the premiums which must be collected and the claims. Insurance is a very important part of modern life and business. Three health insurance companies: Healthspan, Anthem Blue Cross Blue Shield and Apex. Breaking down plans and talking about what they cover, how much they cost and where they are accepted and attempt to answer the age old question “Is people’s healthcare better depending on how much one pays?” All these packages are based on someone who makes $25,000 per year and only looking to cover just them. The prices also change depending on when they want their insurance to start and if they have to prorate for the previous month and also if the clients are a tobacco user or not...
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...Underwriting in Health Insurance Module 5- Submission 10/22/2014 Health Insurance Management Group 3 Underwriting in Health Insurance Table of Contents Brief History of underwriting .................................................................................................................... 2 Definition of underwriting ......................................................................................................................... 2 What does underwriting entails? ............................................................................................................... 2 Underwriting in health insurance .............................................................................................................. 2 Underwriter and its qualities ..................................................................................................................... 3 The sources of information ....................................................................................................................... 3 Underwriting Process ................................................................................................................................. 4 The challenges faced in underwriting ....................................................................................................... 5 Importance of Underwriting ...................................................................................................................... 6 Examples...
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...described in it, is furnished by EIS Properties, Ltd. and/or affiliates (Exigen Insurance Solutions, Inc.) under license and may be used or copied only in accordance with the terms of such license. This document, the information contained in it, as well as the software products and programs desc ribed herein are considered confidential, proprietary, trade secrets of Exigen Insurance Solutions, Inc.). You may not copy, create derivatives, decipher, decompile, develop, or otherwise reverse engineer this document, the information contained in it, or the software products and programs described. Exigen Insurance Solutions, Inc. and its licensors retain all intellectual property and ownership rights to the information contained herein, as well as the software products and programs (including, but not limited to, software libraries, interfaces, source codes, documentation and training materials) described herein. The content of this document is furnished for informational use only, is subject to change without notice, may contain techni cal inaccuracies or typographical errors, and should not be construed as a representation, warranty or commitment by Exigen Insurance Solutions, Inc. or any other person or entity. Exigen Insurance Solutions, Inc. may make improvements and/or changes in the software products and programs described in this document at any time without notice. Exigen Insurance Solutions, Inc. is not responsible or liable for any changes made to this document...
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...Vehicle insurance has functions besides guarding your automobile or truck. additionally, it shields your health and funds, moreover as safeguarding alternative people and their cars. browse higher than your set up once you have gotten it to make sure that it covers what you think that it need to. the recommendation within the following paragraphs is created to point out you obtaining one amongst the foremost protection from your motorcar insurance for the terribly slimmest of cash. This is a frequent perception that insurance premiums decline the instant a young vehicle driver reaches the miracle age of twenty five. insurance commences heading down at around eighteen, in line with their history. They variety of automobile you acquire can have...
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...want to keep your readers very interested in the situation. In this case study we try discuss about Southern California Supermarket Strike. The Southern California Supermarket Strike of 2003-2004 was a strike among supermarket workers in Southern California. The walkout lasted for twenty weeks. In this case study, we try to discuss common issues related to the strike of Southern California Supermarket's staff. We are discussing various alternatives and solutions related with it. To prepare this case study we follow Goggle, Wikipedia and various article related with this situation. Overview Grocery clerks in Southern California are fairly well paid when compared to other grocery workers in the US. Their health benefits are not as good as the benefits of, say, most K12 teachers, but better than most other wage workers -- also true of their pensions. This gave the grocery workers what they themselves see as a middle-class income, whether that is in fact the case or not. Wages of $17.50 per hour, or $35,000 per year, were not uncommon. The grocery workers are, for the most part, well trained and hard working, liked by customers, and until the strike they worked regular hours and could make plans with family, etc. -- unlike many grocery workers elsewhere who work odd shifts that change frequently. The southern California grocery strike involving 70,000...
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