#insurance — Public Fediverse posts
Live and recent posts from across the Fediverse tagged #insurance, aggregated by home.social.
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Closing Nigeria’s Insurance Protection Gap
From Diagnosis to Implementation: A Framework for Expanding Adequate Insurance Protection A Research Paper by the Sunday Okekwu Independent Research CentreAbstractNigeria’s insurance industry has significant potential for further development. The World Bank’s October 2025 Nigeria Development Update reported insurance penetration at approximately 0.5% of GDP, compared with 11.3% in South Africa, 3.9% in Morocco and 2.3% in Kenya in the comparison presented in the report.However, insurance […]https://sundayokekwuinsurance.wordpress.com/2026/08/24/closing-nigerias-insurance-protection-gap/
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#climate #climatetechnology #insurance #insurancetechnology -
CW: My lived experience with ophthalmologists while legally blind. Medical details.
RE: https://disabled.social/@tomkindlon/117134288892873004
When my contract was not renewed and I needed #ObamaCare, I looked at the list of in-network #ophthalmologists with my new #insurance. Some of the listings had the dates that doctors graduated. I found the earliest date listed and scheduled my appointment.
She went to school with my former #ophthalmologist, and actually listened to me about my #eyes.
There are two specific things that doctors need to understand about my eyes in order to appropriately advise me, and they are due to my medical history.
Below is a brief #history of my eyes and vision, including all of the everything.
There are two tests for #legal #blindness.
1) Having a best-corrected #visual acuity of 20/200 or less in the better eye. If, with the best eyeglasses on contact lenses, you can only read the E at the top of the eye chart, you are legally blind in the #US.
2) Having a visual field of 20° or less. This means you can only see straight ahead, and you have to track movement by turning your head. I am here.
Now for my deets:
I'm bilaterally aphakic, meaning neither eye has a lens. This is a post-surgical condition, as outlined below. At the time of the surgery, there was no idea that implantable lenses would exist. This was not a bad outcome or medical malpractice.
I was born with #cataracts in both eyes. My body has no clue how to grow clear lenses. Because I'm old, I didn't have my first eye surgeries until I was three. Doctors were afraid to operate on infants in the early 1960s, and one of my classmates in kindergarten had a heart issue.
I also had surgeries when I was eight, and eleven or twelve. I don't know what the actual goal was for these operations, but they weren't really helpful.
When I was sixteen, I had a new kind of #laser #surgery in #Minneapolis. In separate surgeries, doctors basically zapped the lenses and their structures in each eye.
There is currently nowhere to attach a lens implant in either eye. My corneas are so thick from all my surgeries that Lasik is not an option, either. My vision is the best it will ever be, and most of the time, I'm okay with it.
When an ophthalmologist measures intraocular pressure (this is the test for #glaucoma), there is a chart that shows how to adjust the reading to account for corneal thickness. Many ophthalmologists don't realize that corneas can be thicker than what is shown on the chart, and assume my pressure is higher than it actually is. They then #misdiagnose me with glaucoma and prescribe #eyedrops that I do not need, and #schedule additional appointments that require me to pay a #copay because they're specialists.
My corrected acuity is 20/50, but with caveats. I can legally drive in #Texas, so long as I don't exceed 45 mph and avoid #expressways.
I have a "good" eye and a "helper" eye. The helper eye can only be corrected to 20/200, but if it isn't receiving light, my brain freaks out and thinks my good eye is on its own. I have such intense nystagmus (my eye involuntarally jostles around to try to see better), that it severely reduces my acuity.
So, instead of using the regular device for covering one eye, I need to use a translucent device for the "cover one eye" part of the exam. If they don't honor this when determining the prescription for my eyeglasses, the glasses won't function correctively or correctly.
When doctors and their assistants do not listen to me about my thick corneas and need for a blurrer rather than a blocker, they also add inaccurate information to my medical records. This directly interferes with my life.
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Sounds bad, but not really new. As the article says, pre-auth has been normal operating procedure in the US on the private insurance side. Just as arbitrary with human decision makers. (I've had lots of experience with this.) These denials are the crux of the Mangione (sp?) murder trail going on now.
From a Forbes 2024 article...
"When it comes to denying claims, multiple reports suggest that UHC [United Healthcare], which is the country’s largest health insurer and serves some 50 million people, is an industry leader, with a rate nearly double the industry average. A recent Senate report slammed the company for denying nursing care to patients recovering from falls and strokes on its Medicare Advantage plans, and it currently faces a class action lawsuit for its use of AI algorithms to automatically refuse payment… Gauging an exact number of claim denials is tricky, as there's no central repository of this data… UHC has the highest instance of denials out of all major providers, refusing an estimated one-third of claims submitted."
It's not pretty! 🙁
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'
The two-day storm in June brought heavy rains over a short period.
Stonewall, about 37 kilometres southwest of Clandeboye, received a whopping 255 mm of rain in just a few hours.
According to the Insurance Bureau of Canada, insured losses from two days of severe weather in June in both Manitoba and Saskatchewan have climbed to more than $840 million. That is up from all of 2025, which saw around $760 million in losses, mostly due to wildfires
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#insurance #climate
https://www.bnnbloomberg.ca/business/economics/2026/08/21/never-seen-anything-like-this-manitoba-farmers-struggle-with-devastating-crop-losses/ -
AI doesn't remove accountability from insurance decisions.
It can make the evidence problem harder.
If an AI-assisted decision is challenged two years later, knowing the model's output isn't necessarily enough.
What data did it see?
Which model/version?
Which rules applied?
What did the human reviewer see?
What could they challenge?
Why was the recommendation accepted?
AI governance eventually becomes an evidence problem.
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Just got #insurance for my other #cat, Keiko too. 6k annual limit, for ~500 MYR per year after tax. Mocha's was about the same, at about ~545 MYR. Seriously saved my butt when Mocha got diagnosed with Asthma and CKD - was able to claim about ~2.8k of Mocha's bills a few months ago.
From my observation, getting ur pets insured isn't particularly common here like it is in the West - one bcos of lack of awareness (most people I've talked to abt this had no idea it's a thing), and mostly I think bcos - like human healthcare, pet healthcare here isn't as ridiculously priced as they are in the US, for instance (I've seen some insane numbers thrown around on Reddit among sick cat parents). Not saying they're cheap, but far, far cheaper and more affordable.
But still, if you can afford it, pls just spend the money annually for some security for your pet and your wallet. For #Oyen's insurance here, there's a cheaper tier below what I took for like ~4k annual claim limit. You could also lower the premium further by taking higher co-payment rate. (if ure planning to take this Oyen insurance in particular, please ask for my referral code lol - tho I've no idea if that even means anything) -
One of the best summaries of what went wrong with #US #Healthcare. No longer available from the PBS website(s) as far as I can tell. So I've taken the liberty of writing a review and posting it here with links to the original #video.
"Sick Around the World" (2008 #PBS #Frontline #Documentary)
Conclusions...
1) #Insurance companies must accept everyone, and cannot make a profit on basic care.
2) #Everybody is mandated to buy insurance, with government paying the premiums for the poor.
3) #Doctors and #Hospitals have to accept one standard set of fixed prices.https://richard.rathe.org/medicine/sick_around_the_world/index.html
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China Is Strapping ‘Digital Bombs’ to Civilian Infrastructure—Is the US Ready?
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An AI translation may sound polished, authoritative and entirely plausible.
But a missing negation or mistranslated technical term can alter a scientific conclusion, safety instruction or business decision without alerting the reader.
We look at the consequences of convincing mistakes and offer practical guidance for using AI translation more safely.
So how much do you verify when using automated translation?
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#Insurance is one of the most regulated industries in America ... and has been for nearly 200 years. Why? Because without gov't assuring policyholders that insurance companies can pay their obligations, faith in their products would vanish. http://www.fromthegovt.com/dependable-insurance/
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Is your home protected against EV fire? Here’s what Malaysian Insurers have to say #bomba #cars #ev #evcharger #evfire #featured #fire #fireinsurance #homeinsurance #insurance #motorinsurance #news #piam #transport
https://soyacincau.com/2026/08/19/alam-damai-cheras-fire-is-your-home-protected-piam-responds/
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😬 (ostensibly this is for fire safety, but more likely, cover for mass insurance cancellation)
LA Times: State approves ‘Zone Zero’ fire-safe landscaping rules, reshaping yards for millions of Californians
"California’s Board of Forestry has approved sweeping Zone Zero rules, banning plants within one foot of homes and most combustibles within five feet for millions in high fire-risk communities."
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Damage reports and insurance claims, inquiries and consultations related to last month's massive earthquake in Kumamoto Prefecture numbered 40,291 as of July 31, the General Insurance Association of Japan said Tuesday. https://www.japantimes.co.jp/news/2026/08/19/japan/kumamoto-quake-insurance/?utm_medium=Social&utm_source=mastodon #japan #2026kumamotoearthquake #earthquakes #insurance
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https://www.wacoca.com/life/444473/ ITCEN ENTEC、保険数理分析基盤「NExQ.cen」の提供開始 #ai #Hoken #Insurance #保険 #保険数理 #新経験危険率 #最適仮定損害率 #金融IT
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CALL FOR EVALUATION: ClimAIteTRACK generates data driven environmental and climate assessments for better business decisions. Get an Environmental Assessment Grade (EAG) & Climate Volatility Index (CVI) for any location from ClimAIteTRACK. Access it here: https://traveltechnologysolutions.net/EvalPortal/#ctrack
#climate #climatetechnology #insurance #insurancetechnology -
Nigeria’s Insurance Recapitalisation Is Complete — But Has the Real Transformation Just Begun?From Capital Adequacy to Capacity, Credibility, Confidence, Coverage and Resilience: What the Completion of the NIIRA 2025 Capital Exercise Means for Nigerian Insurance By Sunday Okekwu Risk & Wealth Protection Strategist | Retirement Planning Expert | Life Insurance & Investment Advisory | Seasoned Insurance Advocate & Trusted Authority | AIICO Insurance Plc Nigeria | 10+ Years Experience
Executive SummaryNigeria’s insurance industry has reached an important regulatory milestone.On 13 August 2026, the National Insurance Commission (NAICOM) announced that seven additional insurance companies had been confirmed and verified as compliant with the applicable minimum capital requirements under the Nigerian Insurance Industry Reform Act (NIIRA) 2025 and relevant regulatory requirements.According to the Commission, this brought the cumulative number of insurance companies confirmed […] -
Researchers at Yale estimate that a single-payer public health insurance system in the United States would save over 100,000 lives annually, and reduce healthcare costs overall by more than a trillion dollars per year.
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Clothes make the man. Money from the insurance lobby will buy some mighty fine threads. What's in your wardrobe, unhealthy American fearful of medical debt? Nothing like what he's wearing in this clip, I'm guessing.
Rub our noses in it, why don'tcha?
#Democrats #M4A #Medicare #SuperPACs #money #lobbyists #Insurance
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Heat waves are reducing productivity, curbing consumer spending and raising costs, while such losses can be difficult for insurers to cover because they stem from indirect disruption rather than property damage. https://www.japantimes.co.jp/business/2026/08/17/economy/europe-heatwaves-insurance-business-losses/?utm_medium=Social&utm_source=mastodon #business #economy #eu #europe #heatwaves #climatechange #insurance
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The man who admitted to shooting dead a U.S. health insurance executive used a charged courtroom appearance to blame a back injury for his crimes that he said sought to make "health care work better for everyone." https://www.japantimes.co.jp/news/2026/08/16/world/crime-legal/luigi-mangione-killer-us-insurance/?utm_medium=Social&utm_source=mastodon #worldnews #crimelegal #luigimangione #us #insurance #healthcare #murder
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CW: #NSFW #sex
Another funny one from #oglaf. Get your #sex #insurance, people! #nsfw
(Feel free to #ALTforMe - I don't know if this would translate.)
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#climate #climatetechnology #insurance #insurancetechnology -
Story highlights the failure of elected leaders. Another of those "private #donations provide what #government cannot" stories, like a successful #GoFundMe campaign when #insurance denied coverage.
And poor Jeyne, this being her first room alone. What will happen to her when she #retires in not so many years? When your job is your #home, what future is there for the #elderly.
#Volunteers point out that this success is not scalable, & #schools don't want to be #landlords.
https://www.motherjones.com/media/2026/08/cant-pay-preschool-teachers-more-try-giving-them-a-free-place-to-live/
