基因信息在保险核保中的应用及其限度

基因信息可应用于保险核保的理论基础在于保险的风险分类理论与保险法的对价平衡原则。政策、伦理、道德、技术等方面的反对意见并不足以否定基因信息应用于保险核保的正当性,因为商业保险不应承担社会保障职能;基因信息相比一般医疗信息不具有特殊性;保险承保的本来就是具有不确定性的风险,基因检测的准确性也在逐步提高。是故,应当允许基因信息应用于保险核保,但为防止基因信息的滥用,还须通过规范的方式明确基因信息的应用限度:明晰保险人获取基因信息的方式;设定保险人使用基因信息的条件;规定保险人对于依据基因信息作出不利被保险人决定之理由的披露义务;强化基因咨询师的咨询与建议职责;完善对被保险人的救济机制及其具体运作规范。     

A health management research on the insured group who participate in medical insurance

Taking the insured group who participate in medical insurance as the main subject, Wendeng city carries out the health management and establishes health files for the insured. Through the free health checkup for the high-risk group, the targeted health interventions are conducted according to the physical examination results of those people, and relative health education has achieved satisfying effects. The health education in different western countries has been carried out for more than 20 years, which accumulates a wealth of experiences. However, health education in China has not yet gained sufficient attentions, and to develop the domestic health education becomes an imperative task at present.     

The origins of severance pay in unemployment compensation: a comparative analysis

ABSTRACT

This article contributes to an under-developed field in the social policy literature through an analysis of the origins of severance pay (SP)/redundancy pay schemes and, more specifically, their first designs in nine countries—Canada, the United Kingdom, Germany, Austria, France, Italy, Sweden, Spain, and Portugal. It has two objectives: first, to identify the key actors who shaped the design of the first SP schemes; second, to explain variations in terms of their mode of regulation, generosity and coverage. By building on the state-centric and power-resource perspectives, it identifies the conditions under which the state had an autonomous role vis-à-vis organized labour in SP reforms and the circumstances under which organized labour was the main actor. When the state was the key actor, it preferred legislation for the regulation of SP either to legitimize its apparatus in a ‘revolutionary’/‘potentially revolutionary’ context or to facilitate structural transformations of the economy in a ‘reformist’ context. When organized labour was the key actor, its preference was to regulate SP through ‘only collective bargaining’ or ‘legislation’, subject to the degree of unionization. Lastly, the paper argues that key actors (the state or organized labour) took into account the distributive structure of existing UI schemes when designing the coverage and generosity structure of the first SP schemes during the post-war era.     

What Mothers Do: Motherhood as a Resource for Negotiating Sick-Leave Legitimacy in Swedish Sickness Insurance Interactions

Sick leave in the Nordic countries is a gendered issue. Alongside other explanations, women’s higher levels of sick leave have been linked to their far-reaching family responsibilities. Meanwhile, studies have shown how such responsibilities induce questioning of the legitimacy of sick leave, indicating that normative aspects linking these categories cannot solely be approached in terms of causal explanations. The current study suggests an alternative way of studying this relationship, approaching motherhood as something being “done” in situated ways, to particular ends; a resource for interaction. By analysing naturally occurring interactions—meetings held by the Swedish Social Insurance Agency—the study renders visible the collaborative production of sick leave as a gendered matter, and motherhood as part of the negotiation of sickness insurance. The analysis shows the meaning and import of motherhood for sick leave to be a live issue for participants, drawing attention to how these categories are neither culturally predefined, nor dispositional, but flexibly assembled for certain purposes. Motherhood functions as a resource in two ways: (1) displaying restricted ability to care for children supports claims of impairment; (2) invoking motherhood works to account for slow or inactive rehabilitation. However, occasioning motherhood in the examined context is also risky: (3) displaying extensive mothering may be treated as indicating low commitment to rehabilitation, and (4) displaying limited mothering may be taken as indicating unfitness as a parent.     

Temporary Loan Limits as a Natural Experiment in Federal Housing Administration Insurance

The Economic Stimulus Act of 2008 dramatically but temporarily increased the mortgage loan amount eligible for insurance through the Federal Housing Administration (FHA). We use the implementation and expiration of these loan limits as a source of exogenous variation in the availability of FHA insurance to measure the impact on the overall mortgage market and conventional lending. We find that the introduction of higher loan limits increased the number of loan originations, but that the expiration of those loan limits roughly 6 years later did not significantly decrease affected loan originations. The substitution between loan products and small net impact on the overall mortgage market when the ESA loan limits expired may be explained by the return of a stronger conventional lending industry than existed during the housing crisis.     

The ‘rule of experts’ in making a dynamic micro-insurance industry in India

India is reported to have the most dynamic micro-insurance market in the world and the largest weather-index insurance market among developing countries. This is interesting because, paradoxically, reports readily suggest that the primary hindrance for the industry is the widespread lack of effective demand for insurance. This paper seeks to identify, understand and problematize the paradox of resolutely promoting micro-insurance and its apparent rapid growth despite a manifest absence of demand for insurance. Neo-classical theories about risk-averse behaviour do not explain the current lack of appeal of insurance among the poor. Rather, I draw on a postcolonial political economy framework to argue that expert investment in getting prices and culture right while safeguarding micro-insurance supply currently explains the celebrated dynamism of Indian micro-insurance. I argue that promoting comprehensive institutional reform for an ideal investment and entrepreneurial climate involves securing mutually beneficial linkages, collaborations and knowledge within a broad assemblage of profit motives, insurance expertise, policy-makers and professionals. Insurance experts rule by promoting the micro-insurance sector while simultaneously investing in and gaining from discursive, material and pedagogical construction of this industry. Future research should address whether such processes and products are effective in managing financial risks of the poor.     

转基因食品标签的消费者知情权比较研究

各国对转基因食品实施了不同的标签制度:强制标签与自愿标签。这两种标签制度分别建立在消费者需要知情和消费者有权知情的法理基础之上。需要知情是以产品为基础,确保消费者对客观真实的风险知情;而有权知情往往以生产过程和生产方法为基础,以风险预防为原则管理风险以减少消费者的感知风险。一个国家采取何种转基因食品标签制度,受到该国经济、文化和政治方面的影响。我国转基因食品标签立法在即,需要借鉴其他国家的立法经验,因地制宜地实施强制标签制度,以保障消费者知情权的实现。     

医疗责任保险制度初探

笔者从医疗风险、医疗责任保险的可保性及医疗责任保险的性质与意义等方面多角度的进行详细的论述,对医疗责任保险制度在国内外的发展及现状进行了较为客观的分析,最后结合我国实际,在借鉴国内外成功经验的基础上提出了我国建立医疗责任保险制度的初步构想。     

论志愿服务的常态化与可持续发展

作为一种推动人类发展和社会进步的高尚行动,志愿服务是爱心、良知、奉献和人性美的一种展现。志愿服务在弥补政府失灵,促进社会和谐与进步,弘扬人类真善美等方面具有积极的作用。我国的志愿服务事业正处于刚刚起步阶段,面临诸多的问题和发展困境,如参与机制不健全、社会参与面不广、人才流动过快、资金匮乏和不足、相关法律及伦理规范缺失、行政化倾向严重、管理体制与机制不健全、服务网络不完备等,严重影响和制约了志愿服务事业的发展。建立和健全志愿服务的长效发展机制,促进志愿服务的常态化与可持续发展,是我国志愿服务事业健康发展的必然要求和战略需要。     

The Penal Voluntary Sector in England and Wales: Adaptation to Unsettlement and Austerity

This article draws on some findings from research which investigated penal voluntary sector adaptation to the mixed market in criminal justice services. The article firstly reprises the main trends for aligning state relationships with the voluntary sector from the 1980s to the present. We then outline some findings about adaptive experiences, situations and practices of the voluntary sector in criminal justice resettlement in the light of considerable upheaval. The research found that service providing voluntary sector organisations (VSOs) either outwardly comply with, or, in a minority of cases, actively embrace, competitive marketised models of service delivery. Secondly, the sector has normalised commercial approaches to organisational efficiency as well as aligned with bureaucratic practices common to the statutory sector. Despite charges that they are effectively co‐opted by both state and market interests, many have reported conflicts between prioritising long‐term financial viability with their founding ‘ethos and values’. We conclude that while many VSOs have successfully adjusted to market and bureaucratic norms, aspects of that repositioning have been at a cost to their traditions of relative autonomy, localism and distinctiveness, to the possible detriment of a vigorous civil society.