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| 2. |
- Juth, Niklas, 1973, et al.
(författare)
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Genes and Insurance
- 2003
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Bok (övrigt vetenskapligt/konstnärligt)
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| 3. |
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| 4. |
- Radetzki, Marcus, 1967-, et al.
(författare)
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Ansvar och ersättning för industriella katastrofer : kärnkraften och andra riskindustrier
- 1998
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Ingår i: Ekonomisk Debatt. - Lund : Nationalekonomiska föreningen. - 0345-2646. ; 26:4, s. 275-282
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Tidskriftsartikel (övrigt vetenskapligt/konstnärligt)abstract
- I likhet med andra s k ”riskindustrier”, saknar kärnkraftsindustrin i OECD-länderna förutsättningar för att ersätta sällsynta katastrofskador av stor omfattning. Försäkringsindustrin är obenägen till mer än mycket begränsade engagemang för att skydda mot konsekvenserna av sådana händelser. I frånvaro av privata marknader för att hantera uppkommande ersättningsanspråk har staten implicit tagit på sig ansvaret för industriella ”topprisker”. Riskindustrierna åtnjuter därmed en subvention. Detaljerade analyser av kärnkraftens risker pekar på att subventionen till kärnkraftsindustrin är liten. För andra riskindustrier saknas motsvarande beräkningar. S k ”katastrof-obligationer” erbjuder en potentiell möjlighet att komma ifrån deoffentliga subventionerna, och att överföra de industriella toppriskerna till en privat marknad. Problemen med att lansera en sådan marknad är dock betydande.
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| 6. |
- Radetzki, Marcus, 1967-, et al.
(författare)
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Att nyttja genetisk information : Hur mycket ska försäkringsbolagen få veta?
- 2002. - 1
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Bok (refereegranskat)abstract
- Författarna beskriver framväxten av de kollektiva och obligatoriska försäkräkringar i Västeuropa och orsakerna till att de individualiserats och privatiserats under 1990-talet. De ser att gentekniken kan leda till konflikt mellan individ och försäkringsbolag.
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| 7. |
- Radetzki, Marcus, 1967-, et al.
(författare)
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Genes and insurance : Ethical, legal and economic issues
- 2003
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Bok (refereegranskat)abstract
- The authors of this study emphasize the effectiveness of collectively funded public insurances as opposed to genetic information regulation within the private insurance sector. Genetics has provided tools to determine individuals' risk of future disease, which is of key interest for insurance companies in determining insurance premiums; but persons with high enough risk may remain uninsured. For this reason, genetic information has been regulated. But, regulation may not be the solution, according to the authors, and they call for the resumption of social insurance, a key element of the welfare state.
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| 8. |
- Radetzki, Marcus, 1967-, et al.
(författare)
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Genes and Insurance. Ethical, Legal and Economic Issues
- 2003
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Bok (refereegranskat)abstract
- The authors of this study emphasize the effectiveness of collectively funded public insurances as opposed to genetic information regulation within the private insurance sector. Genetics has provided tools to determine individuals' risk of future disease, which is of key interest for insurance companies in determining insurance premiums; but persons with high enough risk may remain uninsured. For this reason, genetic information has been regulated. But, regulation may not be the solution, according to the authors, and they call for the resumption of social insurance, a key element of the welfare state.The results are examined here of two key social developments in recent years: the partial dismantling of the welfare state and the progress of genetics. Genetic insights are becoming increasingly valuable for risk assessment, and insurers would like to use these insights to help determine premiums. Combined with the fact that social welfare is being curtailed, this could potentially create an uninsured high-risk population. Along with considerations of autonomy and privacy, this forms the basis for an ethical critique of insurers’ access to information. There has often been regulation of such information, but the authors argue that because of adverse selection regulation will not solve these problems and may jeopardise the survival of private personal insurance. Instead, we should look towards the resurrection of social insurance, a key component of the welfare state. This book will interest academic researchers and professionals involved with genetics and insurance.
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| 10. |
- Radetzki, Marcus, 1967-, et al.
(författare)
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Private arrangements to cover large-scale liabilities caused by nuclear and other industrial catastrophes
- 2000
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Ingår i: Geneva papers on risk and insurance. Issues and practice. - : Springer Science and Business Media LLC. - 1018-5895 .- 1468-0440. ; 25:2, s. 180-195
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Tidskriftsartikel (refereegranskat)abstract
- Nuclear and other industrial activities create rare likelihoods for very large catastrophes. Available insurance, intra-industry pooling of risk and the net worth of those who cause the risk, provide an inadequate coverage for compensation of third-party damage. In OECD countries, the top layer of damage compensation after such catastrophes is regularly transferred, explicitly or implicitly, to governments. This constitutes a subsidy of the risk-creating industries. For a variety of reasons, traditional insurers are unwilling to assume full liability for the potentially colossal damage of industrial catastrophes. Such risks could be offloaded to the immensely larger capital market through the issue of catastrophe bonds. This would obviate the need for public subsidy, and provide a means for market pricing of the risks, but considerable needs for public intervention would nevertheless remain.
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