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  1. Contested Technology: Social Scientific Perspectives of Behaviour-Based Insurance.Maiju Tanninen - 2020 - Big Data and Society 7 (2).
    In this review, I analyse how ‘behaviour-based personalisation’ in insurance – that is, insurers’ increased interest in tracking and manipulating insureds’ behaviour with, for instance, wearable devices – has been approached in recent social scientific literature. In the review, I focus on two streams of literature, critical data studies and the sociology of insurance, discussing the new insurance schemes that utilise sensor-generated and digital data. The aim of this review is to compare these two approaches and to analyse what kinds (...)
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  • Who Pays for the Next Wave? The American Welfare State and Responsibility for Flood Risk.Rebecca Elliott - 2017 - Politics and Society 45 (3):415-440.
    In preparing for and responding to natural hazards and disasters, the welfare state establishes a social contract, distributing responsibilities for what will be collectively managed and what will be individually borne. Drawing on archival, interview, and ethnographic data, this article examines the renegotiation of that social contract through the lens of contested efforts to reform the massively indebted US National Flood Insurance Program from 2011 to 2014. In the face of a morally charged debate about deservingness and individual choice, Congress (...)
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  • Fairness in Uncertainty: Some Limits and Misinterpretations of Actuarial Fairness.Sylvestre Frezal & Laurence Barry - 2020 - Journal of Business Ethics 167 (1):127-136.
    The recent proliferation of new data and technologies enables increasingly finer personalization of products and prices in every domain. In insurance, this revives and enlarges old debates around fairness that have never been completely settled. We will argue that the commonly accepted “actuarial fairness” as based on the “individual cost of risk” derives in fact from a conflation: while it indicates the average cost for a group of insureds from the perspective of an insurance company—and is therefore sound from a (...)
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  • How Fair Is Actuarial Fairness?Xavier Landes - 2015 - Journal of Business Ethics 128 (3):519-533.
    Insurance is pervasive in many social settings. As a cooperative device based on risk pooling, it serves to attenuate the adverse consequences of various risks by offering policyholders coverage against the losses implied by adverse events in exchange for the payment of premiums. In the insurance industry, the concept of actuarial fairness serves to establish what could be adequate, fair premiums. Accordingly, premiums paid by policyholders should match as closely as possible their risk exposure. Such premiums are the product of (...)
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  • Insurance, Equality and the Welfare State: Political Philosophy and Public Insurance.Xavier Landes & Nils Holtug - 2015 - Res Publica 21 (2):111-118.
    Public insurance is both everywhere and nowhere. It is everywhere in the sense that it is omnipresent in industrialised societies: public health insurance, unemployment benefits and pensions. It is a sizeable part of modern nations’ public budget . It has permeated our understanding of societal institutions to the extent that now access to public insurance coverage is understood as being a struggle for equality and equal citizenship .Public insurance is only one aspect of a broader phenomenon: the transformation of modern (...)
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  • Producing Solidarity, Inequality and Exclusion Through Insurance.Turo-Kimmo Lehtonen & Jyri Liukko - 2015 - Res Publica 21 (2):155-169.
    The article presents two main arguments. First, we claim that in contemporary societies, insurance enacts peculiar kinds of solidarities as well as inequality and exclusion. Especially important in this respect are life, health, disability and old age pension insurance, both in compulsory and voluntary forms. Second, the article maintains that the ideas of solidarity, inequality and exclusion are transformed by the machinery of insurance. In other words, the concrete ways in which insurance relations are practically arranged have an effect on (...)
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  • Concierge, Wellness, and Block Fee Models of Primary Care: Ethical and Regulatory Concerns at the Public–Private Boundary.Lynette Reid - 2017 - Health Care Analysis 25 (2):151-167.
    In bioethics and health policy, we often discuss the appropriate boundaries of public funding; how the interface of public and private purchasers and providers should be organized and regulated receives less attention. In this paper, I discuss ethical and regulatory issues raised at this interface by three medical practice models in which physicians provide insured services while requiring or requesting that patients pay for services or for the non-insured services of the physicians themselves or their associates. This choice for such (...)
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