Micro Insurance Academy

O passivo ambiental gerado pela construção civil é detectado de várias formas. Uma delas é com a fabricação do cimento, 1,5 bilhões de toneladas de CO2 na natureza. Materiais alternativos têm sido analisados com o objetivo de reduzir o consumo de cimento. Uma alternativa estudada é o rejeito da mineração de carvão, que gera um grande passivo ambiental, visto que 60% a 70% do montante minerado é depositado a céu aberto nas proximidades das mineradoras, causando DAM- Drenagem Ácida de Minas e gerando um impacto ambiental com grandes danos a rede hídrica da região. O objetivo deste trabalho é diminuir esse passivo ambiental substituindo parte do cimento do concreto pelo rejeito, diminuindo assim o consumo de cimento, a durabilidade do concreto com o rejeito passivo de carvão mineral foi analisada estudando a carbonatação do concreto com e sem rejeito passivo de carvão mineral. Para isso, foram analisados quatro diferentes traços de concreto com três níveis diferentes de substituição do cimento por resíduo de carvão mineral, 10%, 20%, 30% e o teor de referência. As amostras foram submetidas a uma cura de 28 dias, divididas em dois grupos, o primeiro grupo foi submetido a um teste de absorção e resistência à compressão. O segundo grupo de amostras foi colocado em câmara de carbonatação por 180 dias, após os quais foram retirados, submetidos a teste com fenolftaleína para leitura da profundidade de carbonatação. Os resultados encontrados mostram que a carbonatação aumenta no concreto conforme aumenta o teor de rejeitos de carvão, substituindo parte do cimento. Os esforços de ruptura de resistência à tração por compressão apresentaram diminuição da resistência com o aumento de rejeitos de carvão na mistura de concreto com 3,49MPa para a mistura de referência e 2,64MPa para a mistura com 30% de rejeito, após a carbonatação.

A starshade suppresses starlight by a factor of 1E11 in the image plane of a telescope, which is crucial for directly imaging Earth-like exoplanets. The state of the art in high contrast post-processing and signal detection methods were developed specifically for images taken with an internal coronagraph system and focus on the removal of quasi-static speckles. These methods are less useful for starshade images where such speckles are not present. This paper is dedicated to investigating signal processing methods tailored to work efficiently on starshade images. We describe a signal detection method, the generalized likelihood ratio test (GLRT), for starshade missions and look into three important problems. First, even with the light suppression provided by the starshade, rocky exoplanets are still difficult to detect in reflected light due to their absolute faintness. GLRT can successfully flag these dim planets. Moreover, GLRT provides estimates of the planets' positions and intensities and the theoretical false alarm rate of the detection. Second, small starshade shape errors, such as a truncated petal tip, can cause artifacts that are hard to distinguish from real planet signals; the detection method can help distinguish planet signals from such artifacts. The third direct imaging problem is that exozodiacal dust degrades detection performance. We develop an iterative generalized likelihood ratio test to mitigate the effect of dust on the image. In addition, we provide guidance on how to choose the number of photon counting images to combine into one co-added image before doing detection, which will help utilize the observation time efficiently. All the methods are demonstrated on realistic simulated images.

COVID-19 pandemic, the associated economic lockdown and the norms of social distancing have disrupted the business world. Most managers have struggled to make sense of the chaos and complexity around. Health insurance industry mangers are at the forefront of this challenge as new products and services covering COVID-19 had to be launched fast. This was both a market as well as the societal requirement. In the COVID-19 world, in different countries like United States of America (USA), United Kingdom (UK), Germany and India, attempts are being made to develop mobile applications for tracking COVID-19 patients. Emerging technologies have been altering the business landscape in most industries. The health insurance industry has also been witnessing the effects of technologies such as wearables technology, big data analytics, cloud technologies, blockchain, machine learning and such others. The advent of these technologies is fundamentally changing the health insurance industry. Given the realities of the COVID-19 world, the health insurance industry is poised at a crossroad of evolution where the industry would become data-intensive and data-driven. Health insurance firms have to enter into interfirm collaboration with wearable technology firms in the conversation on tracking social distancing from COVID-19 positive and potential cases. Health insurance firms might develop a service mechanism which could while maintaining the anonymity of COVID-19 positive or potential cases, ensure that customers who are using the wearable technology products and following social distancing norms are provided favourable premium for COVID-19 related health insurance products in case they were infected. This would be a novel addition to COVID-19 related products of health insurance firms. Deliberating on these aspects in this article, the authors propose a fundamental shift in the strategic orientation of health insurance firms.

Cryptorchidism or undescended testes is a commonly observed congenital anomaly of male children seen in patients presenting in general and paediatric surgical practice of our region. Cryptorchid testes are observed unilaterally or bilaterally in one to ten per cent of male infants at birth1 and its incidence decreases to 0.8 per cent at the age of one year. Occasionally a truly cryptorchid testis descends spontaneously at puberty or in response to parental chorionic gonadotropin therapy , but this is not the rule and usually surgical exploration with orchidopexy or orchidectomy (in rare cases) is required. Cryptorchid testes are associated with varied pathological changes depending upon age at presentation, location of undescended testes and familial and genetic factors. In this study, we examined gross and microscopic changes in histological specimens of 146 patients operated in the department of General Surgery at Govt. Medical College Baramulla from Nov. 2014 to Dec. 2019 and concluded that most of the patients tend to present late for surgery especially in the rural settings of north Kashmir with consequent increased risks of malignancy and infertility.

This book is the first and only study on implementing Universal Health Coverage in poor, rural and informal settings, with end-to-end guidance for rolling out a demand-driven and needs-based health insurance model. The chapters are comprehensive, covering topics such as data collection and analysis for contextual risk assessment, the design of suitable benefits packages, how to price microinsurance, insurance education for illiterate or innumerate populations, the setting up of governance bodies and training staff for key roles, and information management.

The following sections are included:Knowledge of the distribution of health care costs is essential in order to match costs with local levels of willingness-to-pay (WTP) for health insurance (HI), in order to predict (simulate) the expected performance of the community-based health insurance (CBHI).This knowledge of the distribution makes it possible to determine at the stage of package design the optimal levels of thresholds and/or caps for each benefit-type included.A theoretical model was built, fitted with data obtained from 11 household surveys conducted between 2008 and 2010 in rural locations (9 in India and 2 in Nepal).The mean cost and probability of health care utilization in the 11 locations were very different, yet the standardized distributions of expenditures on hospitalization and tests in the 11 locations were very similar.The model could be applied more generally.

Objective: Non-communicable diseases (NCD) are on the increase in low-income countries, where healthcare costs are paid mostly out-of-pocket. We investigate the financial burden of NCD vs. communicable diseases (CD) among rural poor in India and assess whether they can afford to treat NCD.Methods: We used data from two household surveys undertaken in 2009–2010 among 7389 rural poor households (39 205 individuals) in Odisha and Bihar. All persons from the sampled households, irrespective of age and gender, were included in the analysis. We classify self-reported illnesses as NCD, CD or ‘other morbidities’ following the WHO classification.Results: Non-communicable diseases accounted for around 20% of the diseases in the month preceding the survey in Odisha and 30% in Bihar. The most prevalent NCD, representing the highest share in outpatient costs, were musculoskeletal, digestive and cardiovascular diseases. Cardiovascular and digestive problems also generated the highest inpatient costs. Women, older persons and less-poor households reported higher prevalence of NCD. Outpatient costs (consultations, medicines, laboratory tests and imaging) represented a bigger share of income for NCD than for CD. Patients with NCD were more likely to report a hospitalisation.Conclusion: Patients with NCD in rural poor settings in India pay considerably more than patients with CD. For NCD cases that are chronic, with recurring costs, this would be aggravated. The cost of NCD care consumes a big part of the per person share of household income, obliging patients with NCD to rely on informal intra-family cross-subsidisation. An alternative solution to finance NCD care for rural poor patients is needed.

BackgroundIn 2005, the Indian government launched the National Rural Health Mission (NRHM) to improve the quality of and access to rural public health care. Despite these efforts, recent evidence shows that the rural poor continue to primarily consult private non-degree allopathic practitioners (NDAPs) for acute illness episodes. To examine this phenomenon, we explore the rural poor’s perception and utilization of the rural health care system and the role and accessibility of NDAPs therein.MethodsOur study is based on qualitative data from focus group discussions conducted in three rural districts in Bihar and Uttar Pradesh, two high-focus states of the NRHM in northern India, in 2009/2010. Our study population consists of female micro-credit self-help group members and their male household heads. We apply a directed content analysis and use a theoretical framework to differentiate between physical, financial and cultural access to care.ResultsOur study population distinguishes between “home treatment” (informal self-care), “local treatment” (formally unqualified care) and “outside treatment” (formally qualified care). Because of their proximity, flexible payment options and familiarity with patients’ belief systems, among other things, local NDAPs are physically, financially and culturally accessible. They are usually the first contact points for patients before turning to qualified practitioners, and treat minor illnesses, provide first relief, refer patients to other providers and administer formally prescribed treatments.ConclusionOur findings are similar for all three study sites and reinforce recent findings from southern and eastern India. The poor’s understanding and utilization of the rural health system deviates from governmental ideas. Because of their embeddedness in the community, private NDAPs are the most accessible medical providers and first contact points for acute illness episodes. Thus, they de-facto fulfill the role envisaged by the Indian government for accredited social health activists introduced as part of the NRHM. We conclude that instead of trying to replace NDAPs with public initiatives, the Indian government should regulate, qualify and integrate them as part of the existing public health care system. This way, we argue, India can improve the rural poor’s access to formally qualified practitioners.