Chapter – 1
INTRODUCTION
INTRODUCTION ABOUT THE INTERNSHIP
It is an initiative to bridge the gap between cognizanceand its application through a series of intervention Opportunity to apply theoretical concepts at the work place. To familiarize with corporate code of behavior. To enable us to manage work under deadlines.
A Portfolio is anamassment of investment which is held by an institution or private individuals. In building up an investment portfolio a financial institution will typically conduct its own investment analysis while private individual may make utilization of the accommodations of a financial advisor or a financial institution which offers portfolio management accommodations. Holding a portfolio is a part of an
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Selection involves deciding what assets to purchases, how many to purchase, when to purchase them, and what assets to divest. These decision always involve some sort of performance measurement, most typically expected return (I,e the standard deviation of the return ). Typically the expected returns from portfolios comprises of different assets bundles are compared.
The unique goals and circumstances of the investor must also be considered. Some investor are more risk averse than others. Equity stocks have developed particulars techniques to optimize their portfolio holdings. Thus, portfolio management is all about strengths, weakness, opportunity and threats in the choice of debt v/s. equity, domestic v/s. international, growth vs. safety and numerous other trades-offs encountered in the attempt to maximize return at a given appetite for risk.
1.1 Aspects of portfolio
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In the event of a hospitalization claim (more than 24 hrs), the insurance company will pay the insured person the amount of such expenses as would fall under different heads mentioned below and as are reasonably and necessarily incurred thereof by or on behalf of such insured person, but not exceeding the sum insured in aggregate mentioned in the policy:
Expenses Coverage's Room Charges Nursing expenses Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialists Fees Anesthesia, Blood, Oxygen, Operation Theatre Charges Surgical Appliances, Medicines & Drugs, & similar expenses.
Health insurance benefit can be availed either by reimbursement or cashless for expenses incurred from illness or injury to the insured. Types of Health plans are as below:-
Individual Plan: An individual health insurance policy means that a particular policy can cater to one particular individual only, namely the holder of the policy. In an Individual Health Policy, a separate sum insured can be defined for each of the family
In order to solve the issue CC&L facing, Freund and Stoddart proposed a business plan, which mainly focus on how they would restructure CC&L. In the business plan, CC&L was split into two parts; one is Connor, Clark & Lunn Investment Management (IM), and the other is Connor, Clark & Lunn Financial Group (FG).
Claims sent to the insurance companies could be rejected or denied. A health care facility is there to help people with their health, but they are a business that needs income to stay in business. If a medical facility or physician files a claim that is incorrect the Center for Medicare and Medicaid Services may get involved, this could mean audits, fines, or worse. Medical coding and billing are very precise and detailed work where mistakes can cause serious problems.
Insurance will only pay for a patient to stay in the hospital if they meet certain criteria. The hospital uses a program called InterQual to help make sure that happens.
They also include employer-sponsored group health plans, government and church-sponsored health plans, and multiemployer health plans (hhs). There are exceptions—a group health plan with less than fifty50 participants that is administered solely by the employer that established and maintains the plan is not a covered entity (hhs). Two types of government-funded programs are not health plans: (1) those whose principal purpose is not providing or paying the cost of health care, such as the food stamps program; and (2) those programs whose principal activity is directly providing health care, such as a community health center,5 or the making of grants to fund the direct provision of healthcare (hhs). Certain types of insurance entities are also not health plans, including entities providing only workers’ compensation, automobile insurance, and property and casualty insurance (hhs). If an insurance entity has separable lines of business, one of which is a health plan, the HIPAA regulations apply to the entity with respect to the health plan line of business
From the individual perspective mandating the health insurance will firstly make the individual be independent rather than relying over the society and whatever cost of medical treatment due to catastrophic events the insured faces in his future will be covered by the Health Insurance and he has to bear very less cost of the medical treatment. And also those services will be there whether the person gets sick or not.
What do you understand by the phrase “stakeholder analysis”? Attempt a stakeholder analysis of an organisation that you are closely associated with.
Insuring health is a big commodity, and it is not the easiest task to choose the right plan. One must have an understanding insurance terms and what insuring health costs. One must know who can help with financial coverage and how the relationship works between the insurer and member. Finally, one must have assurance that the protection will last into old age.
Health insurance provides benefits for sickness, injury, surgery, and prescription medication. There are a variety of plans with different
Ross, S.A., Westerfield, R.W., Jaffe, J. and Jordan, B.D., 2008. Modern Financial Management: International Student Edition. 8th Edition. New York: McGraw-Hill Companies.
Health insurance is available from several sources. Private health insurance is provided by private companies. Subscribers pay health insurance companies a monthly fee for health insurance. In return, the company agrees to pay the doctor and hospital costs if the subscriber gets sick. There are different levels of coverage that a subscriber can purchase, but the cost of a health insurance policy is also set by the amount of risk the subscriber is willing to take. The more expense the subscriber is willing to pay, as either deductible or co-payment, the less the insurance company will charge for the insurance. Some Americans purchase their own health insurance, but most employers pay for the health insurance of its workers. Often this insurance
This assignment is concerned with your understanding of the key issues relative to portfolio analysis and investment. In completing this assignment you are to limit your scope to the US stock markets only. Use the Cybrary, the Internet, and course resources to write a 2-page essay which you will use with new clients of your financial planning business which addresses the following issues and/or practices:
Hensel, C. R., Ezra, D., & Ilkiw, J. H. (1991). The Importance of the Asset Allocation Decision.
The mediclaim insurance companies have come up with plans on how to tackle emergencies and make it easier for you, and has also come up with the clause of "cashless hospitalisation€. This feature allows you to get hospitalised without the hassle of cash. This is a especially designed feature for emergencies where it is quite impractical to expect a patient to withdraw cash from a bank before heading to the hospital to get admitted. All you have to do is check whether the hospital you are headed to is on the panel of the medical insurance company or not, pick up your health card and get
In turn everything in the present and the future is judged through the stocks as they hold a high importance in industrialized economies showing the healthiness of said countries economy. As investing discourages consumer spending over all decreases, it lead...
Using the Modern Portfolio Theory, overtime risk assets will provide a higher expected rate of return, as compensation to the investors for accepting a high risk. The high risk will eventually lower collecting asset classes to the portfolio, thus reducing the volatile risk, and increasing the expected rates of return. Furthermore the purpose of this theory is to develop the most optimal investments portfolio which would yield the highest rate of return while ascertaining the risk for the individual or corporate investor.