Conocer los tsunamis: un seguro de vida = Knowing the tsunamis: an insurance of life

This monographic explain what it happened last December on Indonesia, the origin of the tsunamis, the effects on the coast, tsunami warning system, etc. To finish we want to emphasize the importance that has the knowledge of this phenomenon and the knowledge of the tsunami and earthquake safety rules. This article presents how explain risks in the classroom with examples about myths, legends, survivors’ chronicles, literature etc

The influence of supplementary health insurance on switching behaviour: evidence from Swiss data.

This paper focuses on the switching behaviour of enrolees in the Swiss basic health insurance system. Even though the new Federal Law on Social Health Insurance (LAMal) was implemented in 1996 to promote competition among health insurers in basic insurance, there is limited evidence of premium convergence within cantons. This indicates that competition has not been effective so far, and reveals some inertia among consumers who seem reluctant to switch to less expensive funds. We investigate one possible barrier to switching behaviour, namely the influence of supplementary insurance. We use survey data on health plan choice (a sample of 1943 individuals whose switching behaviours were observed between 1997 and 2000) as well as administrative data relative to all insurance companies that operated in the 26 Swiss cantons between 1996 and 2005. The decision to switch and the decision to subscribe to a supplementary contract are jointly estimated.Our findings show that holding a supplementary insurance contract substantially decreases the propensity to switch. However, there is no negative impact of supplementary insurance on switching when the individual assesses his/her health as 'very good'. Our results give empirical support to one possible mechanism through which supplementary insurance might influence switching decisions: given that subscribing to basic and supplementary contracts with two different insurers may induce some administrative costs for the subscriber, holding supplementary insurance acts as a barrier to switch if customers who consider themselves 'bad risks' also believe that insurers reject applications for supplementary insurance on these grounds. In comparison with previous research, our main contribution is to offer a possible explanation for consumer inertia. Our analysis illustrates how consumer choice for one's basic health plan interacts with the decision to subscribe to supplementary insurance.

Report on the Unemployment Insurance Tax Redesign Project administered by Iowa Workforce Development for the period July 1, 2002 through June 30, 2009

Report on the Unemployment Insurance Tax Redesign Project administered by Iowa Workforce Development for the period July 1, 2002 through June 30, 2009

Report on the City of Hills Fire Department, also known as Hills Fire Fighters, for the period July 1, 2006 through September 30, 2009

Report on the City of Hills Fire Department, also known as Hills Fire Fighters, for the period July 1, 2006 through September 30, 2009

Insurance and Welfare Benefits Education Report 2007

The following report is a summary of the insurance and welfare benefits education activities in 2007. 2007 was the first full year that DAS-HRE had a full-time health and welfare benefits educator.

Report on a special investigation of the Rodman Volunteer Fire Department and Park and Recreation Department for the period January 1, 2006 through September 30, 2009

Report on a special investigation of the Rodman Volunteer Fire Department and Park and Recreation Department for the period January 1, 2006 through September 30, 2009

Audit report on the Westory Fire Agency for the year ended June 30, 2009

Audit report on the Westory Fire Agency for the year ended June 30, 2009

Audit report on the Northeast Iowa Schools Insurance Trust for the year ended June 30, 2009

Audit report on the Northeast Iowa Schools Insurance Trust for the year ended June 30, 2009

Iowa Insurance Division Report to the Governor for Year End 2001

Iowa Insurance Division Report to the Governor for Year End 2001

Iowa Insurance Division Report to the Governor for Year End 2002

Iowa Insurance Division Report to the Governor for Year End 2003

Iowa Insurance Division Report to the Governor for Year End 2003

Iowa Insurance Division Report to the Governor for Year End 2003

Iowa Insurance Division Report to the Governor for Year End 2004

Iowa Insurance Division Report to the Governor for Year End 2004