...Motor Act Policy ACT MOTOR VEHICLE POLICY/CERTIFICATE OF INSURANCE Provided premiums have actually been paid Credit Insurance Zimbabwe Limited (the Company) will provide insurance in terms of this policy in respect of events occurring during the period of insurance or any subsequent period for which they may agree to renew the insurance and except where expressly varied any alterations to the policy whether by means of an endorsement or otherwise shall be subject to the terms exceptions and conditions herein or endorsed hereon. LIABILITY TO THIRD PARTIES 1. SUBJECT to the limits of liability stated in this Policy the Company will indemnify the insured in the event of an accident c aused by or arising out of the use on a road as defined in this Policy of any Motor Vehicle or trailer described in the policy Schedule against all sums including Claimant’s costs and expenses which the insured shall become legally liable to pay in respect of: (a) (b) death of or bodily injury to any person; and/or the destruction of or damage to any property 2. The Company will pay all costs and expenses incurred with its written consent 3. In terms of and subject to the limitations of and for the purposes of this Policy the Company will indemnify any person whom the insured may cause or permit to use such Motor Vehicle provided that: (a) (b) such person is not entitled to indemnity under any other Policy such person shall as though he were the insured observe fulfill and be subject to the terms...
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...Imagine that you have been hired by a life insurance company to serve as a consultant. The company is especially interested in your opinions about what it might do to(1) convince consumers that currently do not own life insurance that they should have a life insurance policy, and (2) encouraging existing policyholders with inadequate levels of coverage to increase their coverage. Which stage of the decision-making process is most relevant here? How would you proceed in deciding what the company should do? Dear Sir, Thank you for hiring me to serve as a consultant in your firm. At present there are currently two obstacles that are faced and here are my opinions on how to overcome them. How to convince consumers that currently do now own life insurance that they should have a life insurance policy. The stage of the decision making process that has to be focused on is “Need Recognition.” Where the consumer would purchase on believing on a product’s ability to solve a problem, in this case is the reassurance given to the consumer via the policy. By focusing on it, we could also see what we could do to influence the consumer, such as the environmental influences such as culture(Marieke K. 2004) and the individual’s differences which are seen as motivational factors for them(Krishna. 1999). By also tapping on the memory of the consumer to remember the company name when it comes to insurance via an internal search by searching through the memory for relevant information...
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...Obese People and Health Insurance Policies Obesity is seemingly becoming a healthcare problem because its health and economic burden is exceedingly enormous. Before 1980’s, the prevalence rate of obesity was relatively low, but its prevalence and incidence rates have assumed an upward trend, probably due to the rapid change of lifestyle. Prevalence rate of obesity has increased by two folds, over the last three decades in the US, and the incidence rate is predicted to triple by 2015. Currently, obesity is ranked fifth leading cause of mortality in the entire world. From a global scope, obesity and its related morbidity accounts for about 2.8 million deaths yearly. Recent epidemiological reports reveal that, approximately 44 percent of the diabetes disease burden is caused by obesity; whereas, 23 percent of the cardiovascular disease burden is attributable to being overweight and obese. Further reports indicate that, obesity is responsible for about 7-41 percent of the total cancer burden worldwide (WHO par. 3). It is absurd for medical insurance companies to charge obese people high premiums for their healthcare policies compared with the physically fit Americans. Since obesity seems to be causing negative consequences on the American healthcare systems, efficient approaches are required so as to curb this health problem (Dent &Morgan 3). This paper will dissect the reasons as to why the obese people should be charged normal or less health insurance premiums just like the...
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...delivery in India - effects of Public policy, IT and Insurance Bhavik Kaul 1 Gaurav Dalvi 2 Great Lakes Institute of Management, Chennai October 2012 Abstract The global healthcare industry has greatly transformed itself into a professional service system, wherein each stakeholder has to justify its performance. In the increasingly globalized market, private healthcare providers have started dominating the supply side. Healthcare sector in India needs to be reoriented globally towards excellent service promotions and healthcare be made available at lower cost. With this view we plan to study the impact of various factors on the quality of healthcare delivery in India over the next decade. This research will attempt to verify the impact of the mentioned crucial factors on the Healthcare delivery in India through an empirical research and provide some assessment of the deficit in access to health services through structured integrated way called the Gaps Model of Service Quality which will take into account significant gaps identified & suggest methods to close the gaps. These suggestions will be used to make recommendations towards a 10 year incremental National Health Plan. 1. Theory & Hypothesis The 3 areas that we intend to include into our study of the healthcare landscape are – 1) Public Policy 2) Insurance 3) Healthcare Information Technology Systems (HIT) a. Hypothesis 1: Favorable National Health policies will have a positive impact on the quality...
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...Debbie Nahom Post University Policy Analysis- Unemployment Insurance Policy Historical Background Unemployment benefits are in place to provide temporary funding to help individuals and families to survive during unemployment. The policy analysis model will be used to review all aspects of the policy, including historical origins, strengths, and weaknesses, as well as how the policy has succeeded or failed in reaching the goals it was created to achieve. The origins of unemployment benefits date back to the 1700-1800s, when Switzerland and other European countries established voluntary benefits programs to aid those in need. Even the state of Wisconsin, in the early 1930s, had a voluntary unemployment benefits program, however the United States as a whole did not officially enact the unemployment benefits program until August of 1935 in response to the devastating effects of the Great Depression (DeWitt, n.d.). The Great Depression, one of the most devastating recessions the country has seen, caused more than 25% unemployment rate and had both federal and local governments spending over a billion dollars in relieve funds (DeWitt, n.d.). Legislatively, some efforts had been made over the years by the federal government as well as individual states, to address the problem of unemployment. Bills were introduced in 1916 and 1922 by states such as Connecticut, Massachusetts, Minnesota, New York, Pennsylvania, and Wisconsin, and finally...
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...6 May 2011 Heart-Health Insurance Information Security Policy Proposal A review of the current New Users and Password Requirements policies and the proposed changes to these policies with justifications are listed below. Current Policies: New Users “New Users are assigned access based on the content of an access request. The submitter must sign the request and indicate which systems the new user will need access to and what level of access will be needed. A manager’s approval is required to grant administrator level access.” Current Policies: Password Requirements “Passwords must be at least eight characters long and contain a combination of upper- and lowercase letters. Shared passwords are not permitted on any system that contains patient information. When resetting a password, users cannot reuse any of the previous six passwords that were used. Users entering an incorrect password more than three times will be locked out for at least 15 minutes before the password can be reset.” A: Revised Policies: New Users “New Users are assigned appropriated access based on their role within the organization and their need to access specific data and/or data stores. The user and supervisor must submit a signed request and indicate which systems (Roles) the new user will need access to and what level of access will be required. To grant administrator level access an additional signature from a manager is required. New Users are required training on workforce awareness, password management...
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...Introduction When implementing a security policy many elements should be considered. For example, the size of the organization, the industry, classification of the data processed, and even the organization’s work load must be taken into account. As with any industry, selecting the proper security framework for an insurance organization should be done cautiously. This is because having too strict of a policy may inconvenience the employees or even their customers. Because of this, consultants must bear in mind that the information handled by insurance organizations is not as sensitive as a healthcare organization, for example. Nonetheless, establishing compliance is important to protect customer information and abide by U.S laws and regulations. Organizations must also identify and address some of the framework implementation challenges that may arise. These challenges are not exclusive to one organization, but all who develop a security policy framework. It is up to the organization to be able to overcome these issues with the proper strategies. IT Security Framework for the Insurance Company An ideal security framework the insurance company should abide by is the International Organization for Standardization (ISO) 27001. This standard explains the requirements for companies to meet their Information Security Management System (ISMS) needs. It provides companies with guidance to establish, implement, maintain, and improve their information security (“An...
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...combination of pay, paid time off (or vacation time), benefits packages such as health insurance or life insurance, bonuses and other forms of compensation determined by the employer. Compensation is not given an exact definition within the text due to the varying definitions in regards to the different perspectives of compensation. There are many different points of perspective that can affect a person’s view of compensation. The text identifies five different perspectives: society; stockholders; managers; employees and; incentive and sorting effects of pay on employers’ behaviors. Each perspective brings a different view to the concept of compensation and the reward of being compensated. The value of compensation is different to each perspective and has a different meaning that is applied to being compensated. Key Concepts – The Pay Model The pay model within the text shows the three basic building blocks for the framework of a pay system. The three basic building blocks within the pay model are: the compensation objectives; the policies that form the foundation of the compensation system; and the techniques that make up a compensation system. (Milkovich, page 18) To answer the question for describing the pay model, the focus will be on the second identified basic building block of the pay model, the policies that form the foundation of the compensation system. There are four policies within the pay model...
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...Health care policy 1. What is/are the problem/s to be solved in the most fundamental terms? One of the problems that have to be solved by health care policy is lack of availability to health care services to the people in the United States. High cost of health care services that hinders people in the United States from getting health care services. 2. What is the history of the problem/s in the United States? The history of health care problems was as a result of amplified inaccessibility by the poor and the lower-middle class people in the United States 3. What are the various theories about the causes of the problem/s? Based on this, what do you think is/are the most important causes/s of the problem/s? The policy objectives, value premises, expectation, and target populations 1. Policy objectives—overt and covert objectives: What are the stated objectives of the policy? In your judgment, what are the covert objectives of the policy? Main objectives of health care policy are decrease growth of health care expenses while encouraging high- value and efficient care. A strong emphasize on primary and preventive care that is related to community prevention system. Another objective of the health care policy is making sure that there is accessibility to quality, ethnically skilled care that includes enduring services and supports for defenceless population. Improving health care and population health through meaningful use of health information is another objective...
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...ASSIGNMENT 1 IT SECURITY POLICY FRAMEWORK To purchase this visit here: http://www.activitymode.com/product/cis-462-wk-4-assignment-1-it-security-policy-framework/ Contact us at: SUPPORT@ACTIVITYMODE.COM CIS 462 WK 4 ASSIGNMENT 1 IT SECURITY POLICY FRAMEWORK CIS 462 WK 4 Assignment 1 - IT Security Policy Framework Establishing an effective Information Technology Security Policy Framework is critical in the development of a comprehensive security program. Additionally, there are many security frameworks that organizations commonly reference when developing their security programs. Review the security frameworks provided by NIST (SP 800-53), ISO / IEC 27000 series, and COBIT. Assume that you have been hired as a consultant by a medium-sized insurance organization and have been asked to draft an IT Security Policy Framework. You may create and / or assume all necessary assumptions needed for the completion of this assignment. Write a three to five (3-5) page paper in which you: 1. Select a security framework, describe the framework selected, and design an IT Security Policy Framework for the organization. 2. Describe the importance of and method of establishing compliance of IT security controls with U.S. laws and regulations, and how organizations can align their policies and controls with the applicable regulations. 3. Analyze the business challenges within each of the seven (7) domains in developing an effective IT Security Policy Framework. More Details...
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...necessary. Even though coercion is the most commonly use approach for change implementation, it is not the best tactic as employees feel like victims. Coercion could even complicate or prolong change. In some instances, coercion may be optimal for rapid results in urgent matters. A good example for coercion could be a board of directors terminating the CEO for a terrible performance. Communication and education may be the most expensive approach to implement changes as it may require huge amounts of training and communication. Nevertheless, it is the most efficient for drastic or large transformations within a company. For example, an insurance company is changing the process in which customers’ policies are processed daily. Therefore, a great amount of training will have to be implemented for all employees in that specific roll. The insurance company has to communicate effectively and efficiently educate employees for new procedures. Cooperation is...
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...China’s Green Credit Policy: Building Sustainability in the Financial Sector World Resources Institute June 8, 2011 Motoko Aizawa, Sustainability Advisor, IFC The Green Credit Policy - the Domestic Context • Pattern of rapid economic growth characterized by: High consumption of energy and natural resources Environmental pollution & biodiversity loss Growing social tension and inequality • Recognition that administrative measures need to be coupled with market-based policies • Turning to the power of the market: Environmental economic policies Environmental Tax Ecological Compensation Mechanism Green Trade Policy Green Government Procurement Green Insurance Green Securities Green Credit China’s Green Credit Policy • Context: Banks provide 80-90% of funding to Chinese enterprises • Dual Purpose: Direct credits away from highly polluting and high energy-consuming enterprises and projects Direct credits toward energy conservation and emission reduction at preferential terms • Launched in July 2007 by three agencies: Ministry of Environmental Protection (MEP) China Banking Regulatory Commission (CBRC) People’s Bank of China (PBOC) • New feature: Inter-agency collaboration with clear implementation responsibilities Based on lessons learned from the 1995 policy experience IFC Partnership with Chinese Agencies on Green Credit • Objective: Knowledge transfer of IFC experience in sustainable...
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...The Policy Process: Formulation, Legislation and Implementation Jackie Crawford HCS/455 December-21-2015 James Mc Manus The Policy Process: Formulation, Legislation and Implementation To start the policy process, the issue the policy was created for must be identified, as well as the policies holding the answer to the problem. Stakeholders and researchers will consider the idea to find if the policy will reach agenda making policy. Policies must be used to improve the health and wellbeing of society. The Unite States (US), the formulation of new policy’s that require public health related plans and come from local, state, or federal legislations the govern ruling that covers health and regulations. I will discuss the stages and how the topic becomes a policy. Objective of Policy In the United States (US), for many women, they will experience some form extreme violence in their lifetime, with approximately 27% of women reporting uninvited sexual contact. “At the end of 2011, 23% of all people living with HIV in the United States were women Black/African American and Hispanic/Latina women continue to be disproportionately affected by HIV, compared with women of other races/ethnicities” CDC, (2015). The report has estimated 36% of all US women, have experienced and reported intimate partner violence (IPV), physical violence, rape, and stalking. Women are living with HIV, are reporting the prevalence of IPV, at 55% reported by women with HIV. Additionally, further trauma...
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...HCR 230 Week 9 Final Project Design a Financial Policy To Buy This material Click below link http://www.uoptutors.com/HCR-230/HCR-230-Week-9-Final-Project-Design-a-Financial-Policy Resources: Appendix A and Figure 15.1 on p. 487 of Medical Insurance Complete Part A and Part B of your final project using critical thinking skills. These skills include suspending judgment and applying problem-solving skills and methods while conducting research. You must form evaluative decisions and provide your rationale after considering how you would design a medical office financial policy. Decide on the type of medical office setting you prefer to research. Focus on that setting as you complete each portion of the final project. Refer to Figure 15.1 on p. 487 of your textbook, the Internet, and the University Library as resources. Search for medical office financial policy advice and sample policies. Write an original 750- to 1,050-word medical office financial policy for Part A of your final project. In your policy, provide a minimum of three references other than your textbook, formatted according to APA standards. Include the following components in your policy: · Collection of copayments, deductibles, and past-due balances · Arrangements for handling of unpaid balances · Handling of payments for noncovered services · Prepayment policies · Policies for accepting cash, checks, money orders, and credit or debit cards · Arrangements...
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...Assessment Task 1 Risk Review Macville Risk Management Policy and Risk Management Strategy Written Report Keeley Lassig SCOPE To become a water wise cafe, implementing policies and procedures in order for the cafe to run effectively. Upgrade toilet and dishwasher. Purchase frozen par-bake cooking system. GOALS * Serve competitive high quality coffee and food. * To have friendly well trained staff who provide great customer service. * Be Water wise * Be a profitable establishment with ongoing growth STAKEHOLDERS Stakeholder | Internal/External | Role in Process | Stake in Process | Macville Pty Ltd | Internal | Owners | High | Me | Internal | Manager, Finance, Audit | High | James Mansfield | Internal | 2nd in Charge | High | Paula Kinski | Internal | CEO | High | Goldsmith Partners | External | Legal Advisers | Medium | Ron Langford | External | Landlord | High | Public | External | Customers | High | Staff | Internal | All Roles | High | Suppliers | External | Supplying Stock | High | ANALYSIS PEST Policies and Procedures – to include Human Resources Policy Financial Policies Corporate Governance Policies Business Planning and Budgeting External Audit Risk Management Reviews Monthly Planning Taxation Economic Growth Computers Water Policy Establish own products Employee Confidentiality Wage and Super Records National Broadband Network Footpath Dining Incedent reports SWOT Staff Customers Profit...
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