Burundi is a low-income country of Africa, and it has not achieved universal health coverage (UHC) yet. Access to adequate and affordable health care is difficult for the 90% of the Burundian population of the informal sector who live mainly in the rural area. The author conducted research in northern provinces of Burundi. He collected information from community members. In this book, he shows challenges the community members faced and what they undertook in order to have a mechanism of their own known as a ´´community-based health insurance´´ allowing them to access health care at a low cost. He also depicts special values of community leaders that allowed them to address challenges they encountered in the governance and management of such schemes. He recommends what community members, donors and the Government can do to ensure good performance of those mechanisms and to bring their contribution to the achievement of UHC in Burundi. This book is very useful to people interested in the well-being of the rural population and the field of social protection in general and in community-based health insurance in particular.
Everyday, thousands of people request and receive proof of someone else´s Commercial General Liability (CGL) insurance. They might be named as a certificate holder, or they might be named as an additional insured. They might want to be named as an additional insured for ongoing operations, completed operations, or ´´your work´´. They might request primary wording, or non-contributory wording, or a waiver of subrogation, or a hold harmless agreement. They might say that the insurance company has to have an A.M. Best Rating of at least A-, Viii, and write business in the state on an admitted basis. What does all of this mean? If you are requiring or providing additional insured endorsements, you should know what they mean. In this audiobook, attorney and insurance professional Dwight M. Kealy walks the listener through memorable answers to these kinds of questions that are faced everyday by insurance professionals, attorneys, risk managers, and any business that regularly deals with insurance requirements. 1. Language: English. Narrator: Michael Campobasso. Audio sample: http://samples.audible.de/bk/acx0/156270/bk_acx0_156270_sample.mp3. Digital audiobook in aax.
New technologies and medical treatments have complicated questions such as how to determine the moment when someone has died. The result is a failure to establish consensus on the definition of death and the criteria by which the moment of death is determined. This creates confusion and disagreement not only among medical, legal, and insurance professionals but also within families faced with difficult decisions concerning their loved ones. Distinguished bioethicists Robert M. Veatch and Lainie F. Ross argue that the definition of death is not a scientific question but a social one rooted in religious, philosophical, or social beliefs. Drawing on history and recent court cases, the authors detail three potential definitions of death - the whole-brain concept; the circulatory, or somatic, concept; and the higher-brain concept. Because no one definition of death commands majority support, it creates a major public policy problem. The authors cede that society needs a default definition to proceed in certain cases, like those involving organ transplantation. But they also argue the decision-making process must give individuals the space to choose among plausible definitions of death according to personal beliefs. Defining Death is an indispensable guide for professionals in medicine, law, insurance, public policy, theology, and philosophy as well as lay people trying to decide when they want to be treated as dead. The book is published by Georgetown University Press. 1. Language: English. Narrator: Leon Nixon. Audio sample: http://samples.audible.de/bk/acx0/083122/bk_acx0_083122_sample.mp3. Digital audiobook in aax.
For more than half a century, Thomas Szasz has devoted much of his career to a radical critique of psychiatry. His latest work, Psychiatry: The Science of Lies, is a culmination of his life’s work: to portray the integral role of deception in the history and practice of psychiatry. Szasz argues that the diagnosis and treatment of mental illness stands in the same relationship to the diagnosis and treatment of bodily illness that the forgery of a painting does to the original masterpiece. Art historians and the legal system seek to distinguish forgeries from originals. Those concerned with medicine, on the other hand - physicians, patients, politicians, health-insurance providers, and legal professionals - take the opposite stance when faced with the challenge of distinguishing everyday problems in living from bodily diseases, systematically authenticating non-diseases as diseases. The boundary between disease and non-disease - genuine and imitation, truth and falsehood - thus becomes arbitrary and uncertain. There is neither glory nor profit in correctly demarcating what counts as medical illness and medical healing from what does not. Individuals and families wishing to protect themselves from medically and politically authenticated charlatanry are left to their own intellectual and moral resources to make critical decisions about human dilemmas miscategorized as ´´mental diseases” and about medicalized responses misidentified as ´´psychiatric treatments.” Delivering his sophisticated analysis in lucid prose and with a sharp wit, Szasz continues to engage and challenge readers of all backgrounds. Thomas Szasz is professor emeritus of psychiatry at the State University of New York’s Upstate Medical University in Syracuse, New York. 1. Language: English. Narrator: Tom Weiner. Audio sample: http://samples.audible.de/bk/blak/003974/bk_blak_003974_sample.mp3. Digital audiobook in aax.
It started and ended with a financial catastrophe. The Darien disaster of 1700 drove Scotland into union with England, but spawned the institutions which transformed Edinburgh into a global financial centre. The crash of 2008 wrecked the city´s two largest and oldest banks - and its reputation. In the three intervening centuries, Edinburgh became a hothouse of financial innovation, prudent banking, reliable insurance and smart investing. The face of the city changed too as money transformed it from medieval squalor to Georgian elegance. This is the story, not just of the institutions which were respected worldwide, but of the personalities too, such as the two hard-drinking Presbyterian ministers who founded the first actuarially-based pension fund; Sir Walter Scott, who faced financial ruin, but wrote his way out of it; the men who financed American railways and eastern rubber plantations with Scottish money; and Fred Goodwin, notorious CEO of RBS, who took the bank to be the biggest in the world, but crashed and burned in 2008.
Russell Stamets manages his latent autoimmune diabetes in adults (LADA) naturally, without insulin. His is the first account of combining Western and Eastern medicine to lower blood sugar levels and revive his pancreas. Delivered with humor, irreverence, and verse, this audio handbook will be appreciated by any type of diabetic or anyone striving for sustainable, incredibly good health. ´´I applaud you, Russell. This is an accurate way of thinking. As an RN who has been working in a hospital for 30 years and observing and working for a system of health care that is costly and hitting the problems with more insurance billing for conditions that could be eliminated with diet and stress management, your book is right on!´´ At age 49, Russell Stamets was diagnosed with latent autoimmune diabetes in adults (LADA). He was told it was irreversible and that he faced a daily shot in the stomach. Unwilling to accept Western medicine´s only option, insulin, Russell looked east. He researched, designed a plan, and tested it on himself. Against all odds, he succeeded in lowering his blood sugar levels and reviving his pancreas. Russell provides the details of his diet, supplements, and lifestyle (including meditation) delivered with a dose of humor, irreverence, and verse. Any type of diabetic or prediabetic or anyone looking for a sane, sustainable way to achieve incredibly good health will appreciate this book. 1. Language: English. Narrator: Russell Stamets. Audio sample: http://samples.audible.de/bk/acx0/045075/bk_acx0_045075_sample.mp3. Digital audiobook in aax.
The 1980s opened with the prime interest rate at an astonishing 21.5 percent, leading to a severe recession with unemployment reaching nearly 11 percent. Depression-like conditions befell the agricultural sector, a bubble burst in the energy sector, a rolling real estate recession swept the country, the entire thrift industry was badly insolvent and the major money center banks were loaded with third world debt. Some 3,000 bank and thrifts failed, including nine of Texas 10 largest, and Continental Illinois, which, at the time, was the 7th largest bank in the nation. These severe conditions were not only handled without creating a panic, the economy actually embarked on the longest peacetime expansion in history. In Senseless Panic: How Washington Failed America, William M. Isaac, Chairman of the Federal Deposit Insurance Corporation (FDIC) during the banking and Ss meltdown that allowed the failure of a comparative handful of institutions to nearly shut down the world’s financial system. The book also tells the rousing story of Isaacs time at the FDIC. With accessible and engaging prose, Isaac: Details the mistakes that led to the panic of 2008 and 2009. Demystifies the conditions America faced in 2008, and Provides a roadmap for avoiding similar shutdowns and panics in the future. Senseless Panic is a provocative, quick-paced, and thoughtful analysis of what went wrong with the nation´s banking system and a blunt indictment of United States policy. 1. Language: English. Narrator: Mark F. Smith. Audio sample: http://samples.audible.de/bk/acx0/000419/bk_acx0_000419_sample.mp3. Digital audiobook in aax.
Cancer has become a major public health challenge in countries at all income levels. Despite impressive advancements in biomedical research, improved understanding of relevant risk factors and increased survival rates in developed nations, the rising incidence rate (new cases) of cancer is, however, becoming a formidable challenge. The growing burden of cancer illness is projected to increase for several decades due to demographic and epidemiological transitions already ongoing in low- and middle-income countries (LMICs). In addition to the disease burden, patients, caregivers, third party payers (insurance companies and public health authorities), and physicians are also met with the worrisome challenge of rapidly increasing costs of new cancer drugs. Escalating prices of cancer drugs have evoked concern among stakeholders about the financial burden faced by patients in accessing life-saving treatment. There is now a general consensus that the current model of drug development needs thorough streamlining. Cost-containment strategy calls for addressing the issue of declining R&D productivity trends and reforming the drugs pricing system. Regarding the productivity puzzle, the present study has analyzed both the efficiency and effectiveness aspects of the drug discovery and development process. New suggested approaches for improving efficiency are presented in this document. These include, matching drugs to the patient´s molecular profile, ´´adaptive trial´´ designs (i.e., using interim analysis to customize the trials), alternative surrogate endpoints, expedited regulatory review procedures, new open models of collaboration, multidisciplinary research on a global scale, and applications of computational biology and bioinformatics advancements. The proposed value-based pricing approach is also reviewed in this study as a means of achieving cost effectiveness. Patient advocacy group, expressing concerns, have alleged that pharmaceutical companies are using their monopoly power in setting the prices of new anticancer agents. Contemporary pharmaceutical industry pricing practices lack transparency on the company´s R&D expenditure data. Soaring prices along with inadequate public funding programs in many countries for catastrophic drug coverage are resulting in an alarming proportion of out-of-pocket (OOP) expenses on life-saving drugs. The majority of the population in LMICs is additionally subjected to severe financial hardship due to poverty, lack of gainful employment and the complete absence of old age income security benefits in many of these countries. Amid the rising incidence of cancer illness, there is encouraging evidence that much can be done in every country to prevent, cure, and relieve the suffering (WHO 2002). Research has shown that at least 50 percent of cancers are preventable. Countries´ experience show that no matter what resource constraints a country faces, a well-conceived, well-managed national cancer control programme is able to reduce cancer incidence and improve the lives of people living with cancer (WHO 2002). Science backed evidence suggests an important role of diet factors, such as a high intake of vegetables and fruits as a component of daily diet in containing the risks of cancer. These prevention efforts warrant attention beginning at prenatal and nascent years and continue through all life stages.
A Newly Revised and Expanded Edition In the decade since Jim Robbins´s A Symphony in the Brain was first published, the control of our bodies, brains, and minds has taken remarkable leaps. From neurofeedback with functional magnetic resonance imaging equipment, to the use of radio waves, to biofeedback of the heart and breath, and coverage of biofeedback by health insurance plans, the numerous advances have driven the need for a revised edition to this groundbreaking book that traces the fascinating, untold story of the development of biofeedback. Discovered by a small corps of research scientists, this alternative treatment allows a patient to see real-time measurements of their bodily processes. Its advocates claim biofeedback can treat epilepsy, autism, attention deficit disorder, addictions, and depression with no drugs or side effects; bring patients out of vegetative states, even improve golf scores or an opera singer´s voice. But biofeedback has faced battles for acceptance in the conservative medical world despite positive signs that it could revolutionize the way an incredibly diverse range of medical and psychological problems are treated. Offering a wealth of powerful case studies, accessible scientific explanations, and dramatic personal accounts, Robbins remarkable history develops our understanding of this important field. 1. Language: English. Narrator: Victor Bevine. Audio sample: http://samples.audible.de/bk/adbl/021852/bk_adbl_021852_sample.mp3. Digital audiobook in aax.