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date: 12 December 2018

Abstract and Keywords

This chapter examines the regulation of risk in private health insurance. It begins with an overview of the nature of risk and how individuals and organizations react to it. It then considers the different risk management strategies used by individuals and organizations to deal with risk, including reinsurance and the insurance contract. It also discusses risk management from the consumer’s perspective versus the insurer’s perspective and proceeds by comparing health insurance with other kinds of insurance products such as casualty insurance. Finally, it explains how the business of insurance is categorized, how legal definitions of insurance operate, and why health insurance is different and what this means for health insurance regulation.

Keywords: health insurance regulation, risk, private health insurance, risk management, reinsurance, insurance contract, health insurance, casualty insurance

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