Original Research Paper
M. Esmaeili; K. Shahbazi
Abstract
Optimum efficiency is one of the important goals of companies active in the business market, and insurance companies are no exception. Therefore, in this study, we are trying to measure the performance of insurance products of insurance companies including fire, freight, aircraft, ship and engineering ...
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Optimum efficiency is one of the important goals of companies active in the business market, and insurance companies are no exception. Therefore, in this study, we are trying to measure the performance of insurance products of insurance companies including fire, freight, aircraft, ship and engineering insurance fields using data coverage analysis, in three time periods of 2016, 2018 and 2019. The inputs of the data coverage analysis model include the average fee of the real agents of each field and the average administrative, general and personnel costs of the insurance fields and the outputs used in this study also include the premium produced by different insurance fields, the ratio of insurance company claims by insurance fields, the number The issued insurance policies are separated by insurance fields and the market share of an insurance company from each insurance field. The results of the research show that the percentage of non-performing insurance companies in the fields of fire and aircraft have been on the rise in the three periods in question. However, the percentage of inefficient companies in the fields of shipping and engineering has been decreasing and it shows the improvement of the efficiency of these fields during the period under review. Finally, the percentage of inefficiency of insurance companies in the field of freight is also high.
Original Research Paper
A.R. Abtahi; Y. Rashnavadi; R. Ghadimi
Abstract
One of the most important pillars of improving healthcare services is the status of supplementary medical insurances, which increase people's access to healthcare. Complementary medical insurance plays an important role in Iran's health system, along with basic medical insurance, with a share of nearly ...
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One of the most important pillars of improving healthcare services is the status of supplementary medical insurances, which increase people's access to healthcare. Complementary medical insurance plays an important role in Iran's health system, along with basic medical insurance, with a share of nearly 18% of the insurance industry's portfolio. The important point is that, in addition to being profitable for insurance companies, supplementary treatment insurance also satisfies customer satisfaction, which requires more attention and research into the two categories of assessing customer needs and the limitations of companies providing supplementary insurance to meet customer needs. In this research, by analyzing the need for supplementary insurance, with the help of the combination of expanding the fuzzy quality function and analyzing the causes and effects of failure, a model has been presented for the design of supplementary insurance for treatment. Also, the factors of failure of insurance companies in responding to customers' needs have been identified and ranked.
Original Research Paper
M. Homayounfar; Z. Nozad
Abstract
Life insurances, as one of the types of insurances that, by receiving premiums from the insured, support their survivors in case of death before retirement, have received attention in recent years. However, evidence suggests a general reluctance to purchase life insurance. The present research seeks ...
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Life insurances, as one of the types of insurances that, by receiving premiums from the insured, support their survivors in case of death before retirement, have received attention in recent years. However, evidence suggests a general reluctance to purchase life insurance. The present research seeks to identify and prioritize factors affecting the lack of acceptance of life insurance in Gilan province. For this purpose, at first by studying the theoretical foundations of the research, the effective factors were identified. Then, these factors were given to 384 customers in the form of a questionnaire, and the statistical analysis of their answers led to the identification of 18 factors with greater importance. Since many of these factors had mutual relationships with each other, the fuzzy dimetal method was used to determine the basic factors. In this way, the factors identified in the form of a fuzzy Dimetal questionnaire were given to the managers of 45 branches of an insurance company in Gilan province. The results of data analysis using MATLAB 2014 software showed that the main factors affecting the lack of acceptance of life insurance in Rasht city: (1) from the perspective of effectiveness: income level, education level, inflation rate and recession, (2) from the perspective of effectiveness: Life expectancy, willingness to save, level of expectations and living standards, and (3) effectiveness and effectiveness in total: life expectancy, income level, living standards and education level. Finally, suggestions were made to increase the acceptance of life insurance to the insurers of the insurance company.
Original Research Paper
Sh. Karimnezhad; R. Najafbeige; K. Daneshfard; A. Alamtabriz
Abstract
The concept of financial governance refers to the method of managing the financial affairs of an organization in line with its organizational and strategic goals, in such a way as to ensure the creation of high levels of accountability to all stakeholders. Today, the social security system is facing ...
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The concept of financial governance refers to the method of managing the financial affairs of an organization in line with its organizational and strategic goals, in such a way as to ensure the creation of high levels of accountability to all stakeholders. Today, the social security system is facing financial instability for reasons such as demographic changes and economic crises. In this regard, as a solution, the adoption of the financial governance approach has been recommended by institutions such as the International Labor Organization and the International Social Security Union. Since the governance components must be adapted to the specific needs, values and social and economic conditions of each country, the purpose of this research is to achieve the model of financial governance in Iran's social security organization. The current research is of a qualitative type and based on the grounded theory method and was conducted by conducting in-depth interviews with 27 experts of the Social Security Organization who were selected using snowball sampling. Based on the data analysis and the research model, it can be concluded that financial stability is essential in order to maintain the social security organization's ability to respond to the beneficiaries by using strategies such as foresight, effective participation and transparency.
Original Research Paper
S. Bahrami Filabadi; A. PourEsmaeili; H. Najafiasl
Abstract
Iran's legal system has passed four legislative periods in the field of third party insurance. These laws were approved in 1331, 1347, 1387 and 1395, respectively. The new law has brought innovations and developments regarding the protection of the rights of the injured party and the insured, such as ...
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Iran's legal system has passed four legislative periods in the field of third party insurance. These laws were approved in 1331, 1347, 1387 and 1395, respectively. The new law has brought innovations and developments regarding the protection of the rights of the injured party and the insured, such as no need to obtain an extension by the insured, the development of the concept of an accident, the development of the concept of a third party, and the separation between the owner and the driver. Increasing the duties of the insurer and the bodily injury fund and predicting the guarantee of civil and criminal executions in order to prevent their misuse are other innovations of this law, which we will analyze their strengths and weaknesses in this research. In some ways, this law is considered a return to the same procedure as the law approved in 1331, which means that before referring to civil liability insurance, it has considered damage insurance.
Original Research Paper
H. Abhary; M. Ghorbani Jouybari
Abstract
According to Article 3 of the Compulsory Insurance Law approved in 2015, the owner of the vehicle is obliged to obtain accident insurance to cover the bodily damages caused to the driver who caused the accident, at least in the amount of a Muslim man's money in the non-haram month, so that in case of ...
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According to Article 3 of the Compulsory Insurance Law approved in 2015, the owner of the vehicle is obliged to obtain accident insurance to cover the bodily damages caused to the driver who caused the accident, at least in the amount of a Muslim man's money in the non-haram month, so that in case of bodily damage due to accidents caused by vehicles The vehicle, damages to the driver should be compensated. Despite the duty of the legislator, the owner of the vehicle may not have an insurance policy due to the refusal to conclude or renew the accident insurance contract or its cancellation, or that despite obtaining accident insurance, the insurance company, due to reasons such as license suspension or cancellation or suspension and bankruptcy, is unable to does not have to pay damages to the victim (culprit of the accident). Now, if these damages are not paid for the above reasons, does the driver who caused the accident have permission to refer to the bodily injury fund? The determination of the possibility or impossibility of referring to the fund is accompanied by the bases and reasons that have been examined and analyzed in this article, and the result is that in the event of the suspension and cancellation of the license or the suspension and bankruptcy of the relevant insurer, this right for the driver who caused the accident for There is a demand for physical damages from the fund.
