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बजेटमा भने झैँ जेष्ठ नागरिकको स्वास्थ्य बीमा तत्कालै लागू होला?, समस्या यस्ता छन्

Ha ha aaaa

This is celebrity driven concept, not introduced by real expert, i repeat real expert.

Dumb expert like yuraj k and 8 class pass or fail (i dont know) oli believes in this.


So what is the reality?
In health insurance, like- I said earlier, Insurance means sharing of risk.

Health insurance of old people means, risk shared by those individuals who are more likely to get sick regularly. If there is insurance of old people means, collapse of insurance fund.

To so succeed 1 lakh insurance package of old people, those old people may have to pay premium of 25-50k. ha

What is the premium they have floated today- 2/5k? ha

This is the idiocracy being floated by biddwan yuraj k. And many self believed economic expert are clapping just like an ape.


Sati ko sarap.


Bishnu paudel ayu, Nepal ko economy bachau.

During char class pass bishnu paudel's FMship, there was not much economic controversy. Today we have so called biddwam PHD yuraj K., I dont remember economic chaos, controversy ever happened in Nepal.


Biddwan! ha

collecting certificate, collecting experience (or wasting years) AND KNOWLEDGE ARE TWO DIFFERENT THINGS.

Ready ji, Understanding Balance sheet of insurance is the hardest one. I think, its reserve only.
They also have insurance fund and other fund too.

To calculate annual EPS- first qtr*4=annual eps
second qtr*2=annual
3rd qtr*4/3= annual
and forth is fourth (total of 4 qtrs)
(real annual EPS of life insurance is shown in audited report only, which comes from India).

Beema Kosh includes to NETWORTH- dont know about this. I usually check beema kosh to calculate progress.

Even general insurance's balance sheet seems unreal of 1-3rt qtr.

Dear The Rising sir & Experts

Maile nabujheko kura!!!

1. Insurance company 's Reserve & Surplus are both Reserves & Insurance fund or only Reserve? confuse to NETWORTH.

2. Annual EPS calculation is (Q1+Q2+Q3+Ex.Q4)/4, m i right? is this calculation scientific for Annual EPS?

I m facing this problem mostly Microfinance & Insurance.

1. Report shows some annual & some company only Quarterly.

2. Insurance company's Quarterly reports are shows Beema Kosh includes to NETWORTH. some online portal not includes Beema kosh in NETWORTH.

WHAT IS FACT?

Insurance company estimates- 1 in 100 industry could catch fire and then calculate fire insurance rate, One in 5000 vehicles could meet an accident .....

But we would not know, which one of them would meet the bad lady luck. Whoever meets her will loose a lot, but paying for insurance would be a very small amount to real risk. This is how insurances divide risk.

But in Nepal, its loot. I wanted full bike insurance, turned out it cost around 5%. How may bike meet accident, 1 in 5000/10000. Why is rate so high. I heard in India its just above 100 IC.

This is why insurance business is not wide spread in Nepal. And there is compulsory insurance of bike which cost 1700 around. When its compulsory, why is it so high. Govt and insurance company looting us. total cost of insurance and road permit is around 5% of market value of bike in good condition. This is total loot.

Insurance will succeed in most of the cases only if most are insured if not, ..... Some individuals always face bad luck, and if few are insured and those insurer suffer, then insurance company could go bankrupt.

Re insurance-
1:No need if individual liability is small and most are insured.

2: Domestic re insurance is needed for mid size liability and small scale risk like- flooding, hail storm, fire, 5 lakh-25 lakh liability etc.

3: International re insurance is needed for big liability and big scale risk like- plane, famine, more than 25 lakh liability.


Its scare to hear the way govt talk about insurance especially health insurance for 5000 Rs. How gagan thapa was made a hero by media. they were talking as if we insure, we wont have to worry about paying bill. They think, if we insure, all will be paid by insurance company. but how, does insurance company print money?

This is why only private sector can run insurance sector.

The meaning of insurance is "sharing of risk" especially risk not directly related to business decision.

Then why private insurance company is needed? why not cooperative or why not govt run insurance sector?

First of all let's talk about profit which private sector take from insurance business. Since, private sector invest in insurance company, which is risk taking, and their contribution to management as well as research development- private investor take cut as a return in the form of Profit.

Why not govt. manage insurance sector? If govt involve in business- USSR will repeat. In free economy, companies go bankrupt, and in- when communist or socialist economy collapse whole country will collapse.

Venezuela is suppose to be one of the richest country but it has bankrupted, cause of socialist economy.

Then why, socialist economy in EU are considered the best society in the world. Just wait till US $ collapse then world will see the greatness of european socialism. I suspect, US gives most of the socialist economy in EU either cash or special domestic market or US could be depositing $ in those countries. (what do US get from those socialist EU countries- will right in conspiracy theory topic).

Why not cooperative running insurance? Give me one name who is the best available manager working for cooperative? Ape demands banana to perform tricks, human need money/profit to contribute their best. (next economic crisis in Nepal may come from cooperative). In cooperatives in Nepal- they may be showing profit but wait till they no longer able to hide loss.

बीमा के हो र किन गर्नुपर्छ ?
बीमा भनेको आर्थिक नोक्सानी हुँदा दिईने क्षतिपूर्तिको सुनिश्चिता हो । बीमा गर्दा बीमा गर्ने व्यक्ति (बिमित) र बीमा गरिदिने व्यक्ति (बीमक) बीच लिखित सम्झौता हुन्छ । त्यहि सम्झौताका आधारमा बीमा कम्पनीले नोक्सानी बराबरको क्षतिपूर्ति रकम दिन्छ ।


Its like dud kaha bata aucha- dairy bata?





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