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By excluding significant numbers of homes from coverage, insurers are undermining the fundamental principle of insurance: shared risk, based on variable premiums for likely loss to insured value.
Think-tank economists churn out proposals for things like shared unemployment insurance, shared bonds and EU-wide deposit insurance.
By contrast, patients with private health insurance shared "life goals" such as seeing their grandchildren grow up, working, socialising and enjoying their hobbies and saw health promotion as key to successful ageing.
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However, insurance shares were dragged down by fears about Dutch banking-insurer ING.
Insurance shares fell after the attacks.
This week European insurance shares plunged to new lows.
By breaching its own listing rules, it created a false market in life insurance shares.
Motor insurance shares have gone into reverse after disappointing premium figures from the AA.
Bad news from Germany's Munich Re and Hannover Re has sent insurance shares into reverse.
[C3.] Health Insurance Shares Slide After Five Years of Gains After five years of stock market gains, health insurance shares have been on a slide so far this year, down 8.92percentt since Jan.1, as measured by a Standard & Poor's index of health insurers.
Adrian Gore, Discovery's founder and chief executive, says the company was forced to concentrate on prevention because there are so few doctors in South Africa to effect cures: even those with private insurance share one GP between 1,000 people.The Discovery story also poses a challenge to emerging markets.
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