912 resultados para Lifetime


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"Consists of testimony relating to personages and events at the bar of the city of New York, during the past forty years"--4th prelim. leaf.

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Thesis (M.A.)--University of California, Berkeley, 1901.

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London edition (Cassell & company, ltd.) had title: Detective days.

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"February 1994."

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"December 2007."

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Bibliographical references included in "Notes" (p. 305-322)

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In the last few decades, private health insurance rates have declined in many countries. In countries and states with community rating, a major cause is adverse selection. In order to address age-based adverse selection, Australia has recently begun a novel approach which imposes stiff penalties for buying private insurance later in life, when expected costs are higher. In this paper, we analyze Australiarsquos Lifetime Cover in the context of a modified version of the Rothschild-Stiglitz insurance model (Rothschild and Stiglitz, 1976). We allow empirically-based probabilities to increase by age for low-risk types. The model highlights the shortcomings of the Australian plan. Based on empirically-based probabilities of illness, we predict that Lifetime Cover will not arrest adverse selection. The model has many policy implications for government regulation encouraging long-term health coverage.