Insurance and Family Therapy

The advent of recent theories of family structure and socially shared psychopathology that have found expression in the practice of family therapy are forcing a re-examination of concepts of individual diagnoses in which the symptoms of an individual family member are viewed as a possible communication from a disturbed family system. In seeking reimbursement for family therapy through health and accident insurance, a problem is occurring because the traditional method of payment is based on the establishment of individual psychiatric diagnoses, and very few companies will insure a family for family therapy. This paper examines the three-part system: insurers, family, and helping professions in relation to the significance of the conflict between traditional concepts of individual psychopathology and recent concepts of socially shared family psychopathology.     

Genetic Discrimination and Health Insurance

Res Publica - According to US law, insurance companies can lawfully differentiate individual health insurance premiums on the basis of non-genetic medical information, but not on the basis of...     

Sex Discrimination in Insurance

ABSTRACT The public controversy over sex-based differentials in insurance pricing makes heavy use of terms like 'fairness' and 'discrimination'; in particular, both sides argue that their position is the one dictated by considerations of fairness. Appeal to a basic principle of distributive justice shows that these differentials are not fair. Nevertheless, there is a substantial ethical argument to be made for the industry's status quo , based on the liberty of the low-risk insurees. The paper considers an alternative reform proposal, with a qualitatively different freedom cost; seven factors are then identified as useful in evaluating the trade-off between the freedom and justice at stake in any questionable insurance classification variable. A brief concluding section attempts to generalise this analysis to provide a broad framework for the analysis of other discrimination issues.     

巴西医疗保障体系

从巴西医疗保障体系的建立、资金筹集和使用等方面介绍巴西医疗保障体系,重点关注巴西全民统一医疗制度.鉴于巴西与我国在卫生系统绩效和医疗保障制度改革中所面临的相似挑战,试图通过对巴西医疗保障体系比较详细地介绍及与我国进行简单的对比,总结成功经验、吸取教训为我国建立全民覆盖的医疗保障体系提供借鉴和参考.     

The Health Insurance and Life Satisfaction Connection

Prior studies indicate that perceived health is strongly associated with a sense of well-being. The effect of health insurance is much less clear: there has been little rigorous empirical research assessing whether health coverage has an independent impact on individual happiness. This topic is especially important in the US where recently an estimated 18 % of the non-elderly were uninsured and extension of coverage through means such as the Affordable Care Act has been controversial. The present study addresses this question. Drawing from a large survey that collected comprehensive health and personal information about the US adult population, controlling for a wide variety of factors known to influence well-being, and addressing the possible endogeneity of having health insurance, we find that individuals without health insurance coverage were less likely to be “very satisfied” or “satisfied” with life. This may be because health insurance reduces uncertainty. Regardless of other benefits it may bring, the expansion of health insurance coverage should increase the life satisfaction of American society.     

巴西医疗保障体系

从巴西医疗保障体系的建立、资金筹集和使用等方面介绍巴西医疗保障体系,重点关注巴西全民统一医疗制度。鉴于巴西与我国在卫生系统绩效和医疗保障制度改革中所面临的相似挑战,试图通过对巴西医疗保障体系比较详细地介绍及与我国进行简单的对比,总结成功经验、吸取教训为我国建立全民覆盖的医疗保障体系提供借鉴和参考。     

医院和医疗保险的经济学分析

随着医疗卫生体制改革的深入,应对老龄化危机,降低不断提高的医疗服务费用,提高医疗服务质量,提高医疗服务可及性和公平性,是我们面对的切实问题.医院是提供医疗卫生服务的场所,也是提供医疗卫生服务的主体单位,了解医院的经济学特性和组织特点,有利于我们对市场经济环境下的医院行为有所了解,为卫生体制改革和医疗保险改革提供理论依据.     

Insurance, risk, and magical thinking

The possession of an insurance policy may not only affect the severity of a potential loss but also its perceived probability. Intuitively, people may feel that if they are insured nothing bad is likely to happen, but if they do not have insurance they are at greater peril. In Experiment 1, respondents who were reminded of their medical insurance felt they were less likely to suffer health problems in the future compared to people who were not reminded of their medical insurance. In Experiment 2a, participants who were unable to purchase travel insurance judged the probability of travel-related calamities higher compared to those who were insured. These results were replicated in Experiment 3a in a simulation of car accident insurance. The findings are explained in terms of intuitive magical thinking, specifically, the negative affective consequences of "tempting fate" and the sense of safety afforded by the notion of "being covered."     

Nozick, Prohibition, and No-Fault Motor Insurance

ABSTRACT No‐fault insurance schemes involve prohibiting exercise of the natural rights of individuals to recover damages from those whose negligence causes them harm. Public debate about no‐fault emphasises consequentialist benefits, and takes little account of the putative rights of individuals to recovery. I argue, however, that even on a relatively extreme rights‐based conception of justice, such as Robert Nozick’s, it may be possible to justify a no‐fault scheme. The argument proceeds by: (1) elucidating what compensation the Nozickian must offer in return for prohibiting an activity such as the private recovery of damages; and consequently (2) arguing that there is no prima facie reason to think that the compensation afforded by participation in a no‐fault scheme would be any less adequate than that afforded by participation in a system of tort law     

日本护理保险制度改革及启示

随着寿命延长和疾病构成向慢性及退行性疾病转变.老年护理问题成为人口老龄化国家共同面临的严峻课题.日本通过实施护理保险制度改革成功构筑了社会全体支撑的护理保障体系,推进了医疗·保健·福利服务的整合.分析日本护理保险制度的现状、改革措施及成果,在此基础上提出对构建我国老年护理保障体系的启示.     

Producing Solidarity,Inequality and Exclusion Through Insurance

Res Publica - The article presents two main arguments. First, we claim that in contemporary societies, insurance enacts peculiar kinds of solidarities as well as inequality and exclusion....     

墨西哥的医疗保险制度

墨西哥卫生改革之前,卫生系统存在严重的问题.为了应对这些问题,墨西哥卫生改革实行了新的医疗保险制度,以全民医保为主要目标.通过分析墨西哥实施新的医疗保险制度的背景,介绍新的医疗保险计划--大众医疗保险制度及所取得成果,从中得到对我们有益的启示.     

伊斯兰保险理论与实践

保险在西方颇负盛名,但对伊斯兰法学家而言,保险是一种相对新颖的经济举措,穆斯林学者多以批判的眼光视之。19世纪之前,伊斯兰法律文献并未提及保险。此后,伊斯兰法学家从实用主义出发,在与西方经济思想的不断接触中,逐渐将保险业纳入伊斯兰经济思想之中,力图消弭伊斯兰与保险之间的张力,寻求既能为绝大多数穆斯林学者所接受的、又不违背伊斯兰教基本原则的保险类型和方式。     

墨西哥的医疗保险制度

墨西哥卫生改革之前,卫生系统存在严重的问题。为了应对这些问题,墨西哥卫生改革实行了新的医疗保险制度,以全民医保为主要目标。通过分析墨西哥实施新的医疗保险制度的背景,介绍新的医疗保险计划———大众医疗保险制度及所取得成果,从中得到对我们有益的启示。