Araştırma Makalesi
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ASSESSMENT OF THE ROLE OF LIFE INSURANCE IN STRENGTHENING THE SOCIAL PROTECTION OF THE POPULATION IN THE REPUBLIC OF AZERBAIJAN

Yıl 2023, , 126 - 137, 31.07.2023
https://doi.org/10.55050/sarad.1211759

Öz

Life insurance is accepted as a progressive method commonly used in the insurance of risks related to human life in many countries of the world, and its origins are more originally from social protection. The role of life insurance in the social security of the population in Azerbaijan was designed based on comparative analysis between countries based on statistical and analytical methods. According to the reasonable result we have reached at the end of our research, a small leap in life insurance improves the economic and social situation of the population. In Azerbaijan, the author examined the penetration forecast for the social security system of life insurance. The author conducted correlation, regression and analytical-statistical analyzes with the rule between countries. The Social Security suffix in the state can be overcome by life insurance and gradually increased.

Kaynakça

  • Access to Insurance Initiative (2017). Measuring insurance development: beyond the insurance penetration rate. Report of the 21 st A2ii – IAIS Consultation Call. Access adress: https://www.a2ii.org/sites/default/files/2019-07/measuring_insurance_development_-_beyond_the_insurance_penetration_rate.pdf.
  • Atashgah Life. (2021). Yearly report. Access address: https://www.ateshgah-life.com/upload/reports/files/sfCB-_mZDPp47zN1ZJnZGNjUt4gEas9H.pdf.
  • Central Bank of the Republic of Azerbaijan (2022). Statistics-Insurance-By Classes. Access address: https://uploads.cbar.az/assets/ab3b252bb267de60aabb12043.xlsx.
  • Dickinson, G. (2017). Encouraging a dynamic life insurance industry:Economic benefits and policy issues. OECD. Access adress: https://www.oecd.org/finance/insurance/1857811.pdf.
  • Dorfman, M., and Cather, A. (2013). Introduction to Risk Management and Insurance. 10th ed., Pearson/Prentice Hall.
  • Fuller, R., Landrigan, P.J, Balakrishnan, K., Bathan, G., Bose-O'Reilly, S., Brauer, M., et al. (2022). Pollution and health: a progress update. The lancet planetary health. Elsevier. DOI:https://doi.org/10.1016/S2542-5196(22)00090-0.
  • Getzen, E. (1988). Longlife insurance: A prototype for funding long-term Care. Health Care Financ Rev. Access address: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4192919/#.
  • III. (2018). Inclusive Insurance: Closing the Protection Gap for Emerging Customers. Access address: https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwimzcrKgYH7AhUEQfEDHffEB-8QFnoECCAQAQ&url=https%3A%2F%2Fwww.centerforfinancialinclusion.org%2Finclusive-insurance-closing-the-protection-gap-for-emerging-customers-2&usg=AOvVaw0rP6ESyY_wVCTwf7wu-Hpb.
  • III. (2022). Facts + Statistics: Life insurance. Access address: https://www.iii.org/fact-statistic/facts-statistics-life-insurance.
  • Meqa Life. (2021). Yearly report. Access address: https://megalife.az/Web/uploads/pdf/7/P&L%20statement.pdf.
  • Parrish, S. (2019). Is Life Insurance An Investment? Access address: https://www.forbes.com/sites/steveparrish/2019/07/09/is-life-insurance-an-investment/?sh=1d954bc832b4 .
  • Paşa Life (2021). Yearly report. Access address: https://pasha-life.az/site/assets/files/1045/maliyye-hesabati-2021-1.zip.
  • Profam (2022). Insurance classification. Access address: https://insure.az/info/insurance Qala Life. (2021). Yearly report. Access address: https://qala.az/upload/iblock/db6/db661fc06a740e336d630a9fe85e86c6.pdf.
  • Rojeck, P. (2019). Wealth. Life insurance. Springer. DOI: 10.1007/978-3-030-24497-2_6.
  • Solvency II Overview (2015). access address: https://ec.europa.eu/commission/presscorner/detail/el/MEMO_15_3120 ---19.
  • State Statistics Committee of the Republic of Azerbaijan (2022). Social protection. Pension and social benefits. Access address: https://stat.gov.az/source/healthcare/az/002_1_3.xls.
  • Swiss Re Institute. (2020). Premium per capita. Access address: https://www.sigma-explorer.com/index.html.
  • The US Department of Justice (2018). Herfindahl-Hirschman Index. Access address: https://www.justice.gov/atr/herfindahl-hirschman-index.
  • Worldbank (2020). GDP per capita (Current USD). Access address: https://databank.worldbank.org/reports.aspx?source=2&series=NY.GDP.PCAP.CD&country= Xalq Life (2021). Yearly report. Access address: zrr_haqqinda_hesabat_2021.pdf.

AZERBAYCAN CUMHURİYETİ NÜFUSUNUN SOSYAL KORUNMASININ GÜÇLENDİRİLMESİNDE HAYAT SİGORTALARININ ROLÜNE İLİŞKİN DEĞERLENDİRME

Yıl 2023, , 126 - 137, 31.07.2023
https://doi.org/10.55050/sarad.1211759

Öz

Hayat sigortası, dünyanın birçok ülkelerinde insan yaşamıyla ilgili risklerin sigortalanmasında yaygın olarak kullanılan ilerici bir yöntem olarak kabul edilmekte ve doğası gereği kökeni daha çok sosyal korumaya aittir. Azerbaycan'da nüfusun sosyal güvenliğinde hayat sigortasının rolü, istatistiksel ve analitik yöntemlere dayalı ülkeler arası karşılaştırmalı analize dayalı olarak tasarlandı. Araştırmamızın sonunda vardığımız makul sonuca göre, hayat sigortasındaki küçük bir sıçrama, nüfusun ekonomik ve sosyal açıdan durumunu simultane iyileştirmektedir. Yazar, Azerbaycan'da hayat sigortasının sosyal güvenlik sistemine penetrasyon tahminini incelemiştir. Yazar, ülkeler arası kural ile korelasyon, regresyon ve analitik-istatistiksel analizleri gerçekleştirmiştir. Devletteki sosyal güvenlik eki, hayat sigortası tarafından aşılabilir ve kademeli olarak artırılabilir.

Kaynakça

  • Access to Insurance Initiative (2017). Measuring insurance development: beyond the insurance penetration rate. Report of the 21 st A2ii – IAIS Consultation Call. Access adress: https://www.a2ii.org/sites/default/files/2019-07/measuring_insurance_development_-_beyond_the_insurance_penetration_rate.pdf.
  • Atashgah Life. (2021). Yearly report. Access address: https://www.ateshgah-life.com/upload/reports/files/sfCB-_mZDPp47zN1ZJnZGNjUt4gEas9H.pdf.
  • Central Bank of the Republic of Azerbaijan (2022). Statistics-Insurance-By Classes. Access address: https://uploads.cbar.az/assets/ab3b252bb267de60aabb12043.xlsx.
  • Dickinson, G. (2017). Encouraging a dynamic life insurance industry:Economic benefits and policy issues. OECD. Access adress: https://www.oecd.org/finance/insurance/1857811.pdf.
  • Dorfman, M., and Cather, A. (2013). Introduction to Risk Management and Insurance. 10th ed., Pearson/Prentice Hall.
  • Fuller, R., Landrigan, P.J, Balakrishnan, K., Bathan, G., Bose-O'Reilly, S., Brauer, M., et al. (2022). Pollution and health: a progress update. The lancet planetary health. Elsevier. DOI:https://doi.org/10.1016/S2542-5196(22)00090-0.
  • Getzen, E. (1988). Longlife insurance: A prototype for funding long-term Care. Health Care Financ Rev. Access address: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4192919/#.
  • III. (2018). Inclusive Insurance: Closing the Protection Gap for Emerging Customers. Access address: https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwimzcrKgYH7AhUEQfEDHffEB-8QFnoECCAQAQ&url=https%3A%2F%2Fwww.centerforfinancialinclusion.org%2Finclusive-insurance-closing-the-protection-gap-for-emerging-customers-2&usg=AOvVaw0rP6ESyY_wVCTwf7wu-Hpb.
  • III. (2022). Facts + Statistics: Life insurance. Access address: https://www.iii.org/fact-statistic/facts-statistics-life-insurance.
  • Meqa Life. (2021). Yearly report. Access address: https://megalife.az/Web/uploads/pdf/7/P&L%20statement.pdf.
  • Parrish, S. (2019). Is Life Insurance An Investment? Access address: https://www.forbes.com/sites/steveparrish/2019/07/09/is-life-insurance-an-investment/?sh=1d954bc832b4 .
  • Paşa Life (2021). Yearly report. Access address: https://pasha-life.az/site/assets/files/1045/maliyye-hesabati-2021-1.zip.
  • Profam (2022). Insurance classification. Access address: https://insure.az/info/insurance Qala Life. (2021). Yearly report. Access address: https://qala.az/upload/iblock/db6/db661fc06a740e336d630a9fe85e86c6.pdf.
  • Rojeck, P. (2019). Wealth. Life insurance. Springer. DOI: 10.1007/978-3-030-24497-2_6.
  • Solvency II Overview (2015). access address: https://ec.europa.eu/commission/presscorner/detail/el/MEMO_15_3120 ---19.
  • State Statistics Committee of the Republic of Azerbaijan (2022). Social protection. Pension and social benefits. Access address: https://stat.gov.az/source/healthcare/az/002_1_3.xls.
  • Swiss Re Institute. (2020). Premium per capita. Access address: https://www.sigma-explorer.com/index.html.
  • The US Department of Justice (2018). Herfindahl-Hirschman Index. Access address: https://www.justice.gov/atr/herfindahl-hirschman-index.
  • Worldbank (2020). GDP per capita (Current USD). Access address: https://databank.worldbank.org/reports.aspx?source=2&series=NY.GDP.PCAP.CD&country= Xalq Life (2021). Yearly report. Access address: zrr_haqqinda_hesabat_2021.pdf.
Toplam 19 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Sağlık Ekonomisi, Uygulamalı Ekonomi (Diğer)
Bölüm Araştırma Makalesi
Yazarlar

Melek Alıyeva 0000-0003-1042-4483

Erken Görünüm Tarihi 8 Temmuz 2023
Yayımlanma Tarihi 31 Temmuz 2023
Gönderilme Tarihi 29 Kasım 2022
Yayımlandığı Sayı Yıl 2023

Kaynak Göster

APA Alıyeva, M. (2023). ASSESSMENT OF THE ROLE OF LIFE INSURANCE IN STRENGTHENING THE SOCIAL PROTECTION OF THE POPULATION IN THE REPUBLIC OF AZERBAIJAN. Sağlık Ve Sosyal Refah Araştırmaları Dergisi, 5(2), 126-137. https://doi.org/10.55050/sarad.1211759


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