Talk:Insurance

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Cmoras messed up the lead on 10 June 2011, need to fix[edit]

I'm proposing to revert back the lead paragraph to how it looked like on 10 June 2011 before Cmoras made a huge mess out of it. The lead now has a serious "too much information" problem which it did not have before, along with several bizarre typos (looks like Engrish). Any objections? --Coolcaesar (talk) 11:17, 6 July 2011 (UTC)[reply]

Done. The lead paragraph has been corrected back to a more conservative style consistent with the Manual of Style and core policy Wikipedia:What Wikipedia is not. --Coolcaesar (talk) 05:58, 24 July 2011 (UTC)[reply]

potential resource Swiss Re Estimates 2011 Catastrophe Loss To Insurers At $108 Billion[edit]

http://www.nasdaq.com/aspx/stock-market-news-story.aspx?storyid=201112160554rttraderusequity_0233&title=swiss-re-estimates-2011-catastrophe-loss-to-insurers-at-108-bln-quick-facts ...

RTTNews exceprt ...

Swiss Re Co. Ltd. (RUKN.VX, SCR.DE, SSREY.PK) Friday posted its estimate of 2011 catastrophe losses, with loss to insurers amounting to $108 billion, while total losses, including uninsured losses, reaching $350 billion. The global insurance industry saw losses of $48 billion in 2010, the company added. Elaborating that the Great East Japan Earthquake accounted for most of the year's losses despite Japan not being "more fully insured", Swiss Re said "moderate" hurricane losses in 2011 ensured that 2005, when losses touched $123 billion on the impact of hurricanes Katrina, Wilma and Rita, remained the most expensive year ever. Kurt Karl, Swiss Re's Chief economist, commented "2011 is going down as another year of very tragic and costly earthquakes. Unfortunately earthquake insurance coverage is still quite low, even in some industrialised countries with high seismic risk, like Japan. So on top of people losing their loved ones, societies are faced with enormous financial loss.

99.19.45.160 (talk) 02:07, 17 December 2011 (UTC)[reply]

Assistance companies[edit]

Should the companies that insurance companies contract to provide service, assistance companies be covered here? -- 65.92.180.137 (talk) 14:25, 25 March 2013 (UTC)[reply]

No. For one thing, many countries do not have them, while others use different models or terms. WP already has an article on Third-party administrator. --Coolcaesar (talk) 07:44, 26 March 2013 (UTC)[reply]

Policyholder / Insured[edit]

It should be clarified the distinction between policyholder and insured, both may be the same person, but not necessarily;

e.g. a company orders a business trip for some of their employees including travel insurance =>

  • Policyholder = company
  • insured persons = employees.

--84.175.248.169 (talk) 10:49, 29 December 2013 (UTC)from a german nitpicker :)[reply]

Agree S a g a C i t y (talk) 12:45, 29 December 2013 (UTC)[reply]

Specialty Insurance[edit]

Should the articly mention Specialty Insurance? A lot of companies uses Specialty Insurance to describe what they do ie high risk tailored insurance deals (if i have understood it correctly). I considered creating a new article with Specialty Insurance but i do not know if it is widely used. I found this this presentation on the subject. OutWardsOutlaw (talk) 14:04, 18 February 2014 (UTC)[reply]

About the policyholder[edit]

Is the policyholer equals to the insured? — Preceding unsigned comment added by Lr hazel (talk • contribs) 04:45, 24 September 2014 (UTC)[reply]

Controversy[edit]

You should say that most people worldwide, including millions of Americans, can't ever afford any of the many types of insurance: http://health.usnews.com/health-news/health-insurance/articles/2014/12/15/uninsured-under-the-aca-millions-of-americans-cant-afford-coverage Pepper9798 (talk) 23:39, 13 January 2016 (UTC)[reply]

That source doesn't really help us with the worldwide situation, and it only discusses one type of insurance (health). EricEnfermero (Talk) 01:50, 14 January 2016 (UTC)[reply]
And we already have an article on Health insurance in the United States that thoroughly addresses these issues. --Coolcaesar (talk) 02:35, 14 January 2016 (UTC)[reply]

USA only?[edit]

I see this in the text for life insurance : "In most states". Is this article specific to (I presume) the USA, or does 'states' here use the word in a more generic sense?

Davidmaxwaterman (talk) 14:13, 26 April 2016 (UTC)[reply]

Personalized insurancing[edit]

What hasn't been mentioned at this page is insurancing that is tailored-made to the individual, rather than being "one-size-fits-all". For instance, in car insurance, the company ANWB has an insurance that increases or decreases in cost depending on your driving style. By means of a smartphone app (which monitors the speed at which you drive, along with your accelerating speeds, ...) the app measures your driving risks, which the agency then uses to adjust your insurance fee. See http://www.volkskrant.nl/photoseries/articlephotos/4319535/72041a4a-6eed-4788-9057-eebc6541c9a3

The same principle can probably be used for other insurances as well (ie life insurance, ...). Perhaps that this either needs to be mentioned on this page, or a new article called Personalized insurancing needs to be made. KVDP (talk) 17:40, 9 December 2016 (UTC)[reply]

Usage-based insurance, no? I'm not aware of any large scale attempts to do that in home or life, other than the usual discounts for safety features, etc. Kuru (talk) 18:20, 9 December 2016 (UTC)[reply]
Concur with Kuru. Insurance underwriting has always been customized to the risk, either directly or through various proxy variables. What KVDP is talking about is just another additional data set. No big deal. --Coolcaesar (talk) 18:24, 9 December 2016 (UTC)[reply]
Yes I looked over it, the usage-based insurance is all ready mentioned at the vehicle insurance article. However, what about the other insurances that can also be personalized ? These haven't been mentioned or described yet. For instance, someone that either wants a health insurance or life insurance may be tested on his mental health (making the likelihood of suicide lower), or have his DNA examined (the latter is currently not yet put forward as a mandatory test to be able to subscribe to a life insurance nor is it financially compensated -see https://ghr.nlm.nih.gov/primer/testing/insurancecoverage -, but if DNA data is available, insurance companies will use it, at present only to increase fees though, and not to lower them if there's a good outcome). See
* https://www.geneticliteracyproject.org/2016/05/08/life-insurance-companies-deny-coverage-cancer-genes-like-brca/
* https://www.fastcompany.com/3055710/if-you-want-life-insurance-think-twice-before-getting-genetic-testing
* https://www.policygenius.com/blog/mental-health-history-life-insurance-rates/

KVDP (talk) 11:00, 10 December 2016 (UTC)[reply]

Hmm good but more info Sherwin0125 (talk) 10:12, 19 June 2018 (UTC)[reply]

Planning to pull out or reduce a lot of the U.S.-specific material[edit]

We now have a separate article on Insurance in the United States which adequately covers a lot of the issues unique to the United States like the surplus line issue. Any objections before I pull out or reduce a lot of the U.S.-specific material in this article? --Coolcaesar (talk) 05:41, 5 February 2017 (UTC)[reply]

It's been two months. Hearing no objections, here goes. --Coolcaesar (talk) 05:48, 17 April 2017 (UTC)[reply]

External links modified[edit]

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Need External Link Approval[edit]

Hi Wikipedia Experts,

I want add 1 external link on Insurance. This is a Registered Insurance Company in India Called Policybazaar Kindly Review and tell me can i add? <link removed>

ThanksVicky gusain (talk) 07:42, 14 July 2017 (UTC)[reply]

Hello, Vicky. Thanks for asking about this. A link to a specific company will likely be seen as promotional and treated as link spam. It would be deleted very quickly. NewYorkActuary (talk) 10:34, 14 July 2017 (UTC)[reply]

Hi, NewYorkActuary
Thanks for reply Kindly Guide me How i can add?, this is not Spam Link or Promotional Link, Kindly help me
ThanksVicky gusain (talk) 06:21, 17 July 2017 (UTC)[reply]

It is. What other reason would you have for adding it? Kuru (talk) 11:33, 17 July 2017 (UTC)[reply]

HI,

  1. This is Registered Company
  2. This is 100% related to this Page
  3. As a Information purpose i want add it in this Page
  4. Policy Bazaar have lot of Information regarding Insurance

I hope you will understand and will give me Permission to add Policy Bazaar
ThanksVicky gusain (talk) 03:22, 20 July 2017 (UTC)[reply]

No thank you, Vicky. Please promote your firm elsewhere. Kuru (talk) 11:44, 20 July 2017 (UTC)[reply]

The oldest insurance company ...[edit]

... as far as I know is Hamburger Feuerkasse Hamburger_Feuerkasse, established in 1676, preceding the "Insurance Office for Houses" (est. 1681) by several years. — Preceding unsigned comment added by 194.8.192.242 (talk) 13:24, 13 November 2017 (UTC)[reply]

External links modified[edit]

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Wiki Education Foundation-supported course assignment[edit]

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