THE INFLUENCE OF REINSURANCE RATE, LOAN INTEREST RATE AND BANK'S FEE BASED INCOME AGAINST THE PREMIUM RATE ON CREDIT LIFE INSURANCE (CASE STUDY: CREDIT LIFE INSURANCE’S POLICY HOLDER OF PT INDOSURYA LIFE IN 2018)

This research has purposes to learn further about the impact of reinsurance rates, loan interest and fee-based income towards premium rates on credit life insurance. The unit of analysis was 50 credit life insurance policy holders at PT Indosurya Life throughout 2018. The independent variables that used in this research are reinsurance rates, loan interest and fee based income. While the dependent variable is premium rate on credit life insurance. The sample collected method was taken by saturated sampling. Researchers took the entire population as a sample where the number of samples used were 50 policy holders from credit life insurance which used premium rates and types of effective loan interest for 40 years of age with 5 years of insurance period. The analytical method used was multiple regression analysis and hypothesis test which is done by t-test. And according to the rdata analysis result, loan interest and fee-based income had a positive and significant affect towards credit life insurance's premium rates. Meanwhile, the reinsurance rate variable did not related to credit life insurance's premium rate. It is very recommended to PT Indosurya Life to increase the premium rate on its credit life insurance, so that will increase its Fee Based Income aswell.

LEGAL CONSEQUENCES OF VIOLATION OF THE VOLUNTARY HEALTH INSURANCE CONTRACT UNDER UKRAINIAN LAW

The article is devoted to the study of the peculiarities of the legal consequences of violation of the contract of voluntary medical insurance under the legislation of Ukraine. Special attention is paid to the legal consequences of violation of the contract of voluntary medical insurance, such as: unilateral refusal of the contract, modification of the contract, payment of a penalty. The legal positions of the jurisprudence on the issues under consideration are given. The study of the legal consequences of breaching the health insurance contract is important in connection with the following. Such an appropriate form of mutual expression of the will of two or more persons is of scientific interest in view, firstly, of the increase in the share of the said contract in the structure of insurance and, secondly, of the direction of development of state policy in modern conditions in the field of health care. In the article there are specified the features of the medical insurance contract. There are also specified its peculiarities. Examining the legal consequence of a violation of a voluntary health insurance contract, such as a unilateral refusal, it was established that the Civil Code of Ukraine grants certain freedom to the parties in the event of termination of the contract. However, the legislation establishes certain restrictions in case of unilateral refusal of the insurer from the personal insurance contract. Cases of the insured's refusal to make insurance compensation are summarized in the category: those caused by the intentional behavior of the insured person (submission of false information about the fact of the occurrence of the insured event, as well as intentional actions of the insured person (insured person) aimed at the occurrence of an insured event, noncompliance with the prescriptions of the attending physician, which led to a complication of the disease)as well as those whose reasons do not depend on the insured's will (insured person) (receiving services that exceed the insured amount, suffering injuries or illnesses due to force majeure or receiving medical services that are not included in the insurance program). Having considered the judicial practice in cases of unilateral refusal of the contract, it was established that in case of violation of the contract of voluntary medical insurance, it is common for the insured to inattentive study the circumstances in which the insurer is obliged to make certain payments, as well as a false belief that they are not covered by the insurance case.

Jak rozporządzenie Bruksela I bis rozstrzyga o jurysdykcji w sporach z międzynarodowej gwarancji ubezpieczeniowej, czyli o pojęciu sprawy ubezpieczeniowej

The article presents the issue of the jurisdiction of a civil court in the light of the provisions of the EU Brussels I bis Regulation in relation to a matter in the field of insurance guarantee. This was presented against the background of qualification considerations of the insurance case and delimitation of the norms of the EU Brussels I bis Regulation in relation to disputes under the insurance contract from reinsurance disputes (in the strict sense and the so-called retrocession). At the same time, reasons were given for excluding social security from this scope. Because in practice (and in theoretical approaches) there are discrepancies as to the scope of the subject application of the standards in relation to individual insurance activities, one of the objectives of this study is to indicate that such nterpretation possibility which such a gap will remove, because it is even be harmful to the certainty of turnover, if it would appear in relation to such fundamentalconcepts as jurisdiction in international insurance disputes and jurisdiction in domestic disputes. Consequently, basically based on an autonomous interpretation and in the alternative: lex fori the possibility of refusing to apply the standards of section 3 of EU Regulation No. 1215/2012 to disputes in the field of insurance guarantee. An appropriate analysis of national law was also carried out, indicating the need for coherence between EU and internal law standards in the area of qualifying disputes arising from the insurance guarantee.

“Sing the Bones Home”: Material Memory and the Project of Freedom in M. NourbeSe Philip’s Zong!

M. NourbeSe Philip’s 2008 book-length poem Zong! represents maritime materialities below the sea’s surface in relation to aesthetic geographies of the sea in the aftermath of slavery as an abyss of loss, thereby extending modernist aesthetics while offering a strategic and revisionary response to male-centered modernist writing. Keen attention into the sea as an innovating and renewing source reveals that the poem imagines the sea as a literal, formal, and thematic agent for the “decontamination” of language—which, Philip maintains, is contaminated by imperialism—and of the received history about slavery. The poem focuses its investigation on the case of the 1781 Zong massacre and the Gregson v. Gilbert maritime insurance case that arose in its wake. Zong! mourns the massacre of 150 Africans who were thrown overboard so that owners of the slave ship could collect insurance money on lost “cargo”. In conversation with Caribbean poets and thinkers, such as Grace Nichols, and African oral traditions, the poem explores forms of memory that go beyond the non-history officially afforded to the enslaved and their descendants. Throughout the poem, the sea is a site of decontamination through which Zong! stages its attempt to recover the unrecoverable. While many scholars have understandably focused on the events aboard the ship, a small number of ecocritical readings have highlighted the poem’s engagement with the materiality of the sea. Drawing on postcolonial ecocriticism and black feminist theories of the human, this article will discuss the sea as a material geography, going deeper to investigate the poem’s rarely discussed focus on biological and chemical materiality as juxtaposed to representations of black women’s flesh, arguing that it functions as a feminist provocation to both human exceptionalism and the racial boundaries of the human.

Policy failures, policy learning and institutional change: the case of Australian health insurance policy change

This chapter studies the connections between repeated assessments of policy failure, the catalysts of deinstitutionalisation, and subsequent opportunities for system-wide policy learning and reform. Selected evidence from the reform trajectory of Australian health insurance policy from the mid-1970s to late-1990s is used to explore these possible relationships. Here, failure delegitimised health policy institutions, making them increasingly vulnerable and giving them weak learning capacity to reform in anything but a suboptimal way. The result is a cycle of failure and dysfunctional learning. The Australian health insurance case allows one to catalogue at least one pattern of the relationships between policy failure, deinstitutionalisation, and learning. Three core analytical arguments underpin this pattern. First, policy failures create opportunities for learning at a system-wide level, only after institutions have been eroded and exhausted by repeated failure. Second, this first claim holds in both the expert and political inquiry dimensions of policy failure. Third, learning processes are related to the particular sequence of deinstitutionalisation processes; in particular, initial deinstitutionalisation in the expert domain creates the conditions for political learning processes.