The insurance system has benefits and drawbacks for patients, providers (physicians), and insurance companies. Identify at least one benefit and one drawback for each of these stakeholders. Explain how insurance benefits/hinders each stakeholder. How does the demand theory apply to the relationship between each stakeholder and the insurance industry? Does insurance impact the quality of care provided by physicians?
In responding to at least two of your classmates, do you think principles such as demand or competition should dictate pricing, or should insurance companies or government agencies set pricing for physicians?
An Assignment on: FOOD SECURITY ANALYSIS Put together by: Bibek Thapa Bidhya Gautam Binod Rana Chandan Shilpakar Chiran Adhikari Chura Mani Bhusal Dipak Shahi Deny Kumar Shrestha Dev Raj Gupta Presentation Nepal is a nourishment shortfall, land bolted and least created nation, having a populace of in excess of 27 million individuals. Around 31 percent individuals in the nation live beneath neediness level. Around 49.3 percent of under-five youngsters are incessantly malnourished. Universally, Nepal positions 144th out of 182 nations as far as its Human Development Index (UNDP, 2009). Yearly populace development pace of the nation is 2.2 percent. It is assessed that the nation's populace in 2025 will arrive at 40.5 million, with foreseen troubles of satisfying the sustenance necessities. Nepalese economy overwhelmed by horticulture, 65.6 % of complete populace is legitimately or in a roundabout way rely upon farming. Since most recent few years, populace subject to horticulture have been diminished (Sanjel, 2005). Aside from the little holding, different wellsprings of salary are domesticated animals, compensation, relocation, and so forth. Of all out salary, 48 % from homestead, 28 % from off-ranch, 11 % from remote settlement and 13 % from other source (WFP and MoAC, 2009). Table 1: Nepal HDI Trend Year HDI 1980 0.309 1990 0.407 2000 0.5 2005 0.537 2006 0.547 2007 0.553 Source: HDR, 2009 The topography, political circumstance and social practices in the nation are different. Individuals' entrance to wellbeing offices, tutoring, work openings and cleanliness and care practices is restricted. Following 10 years of equipped clash (1996 - 2006), the nation is under a transitional time of building up sacred vote based system in the wake of marking of a harmony accord in November 2006 and the Constituent Assembly political decision held in April 2008. The decade long uprising caused lost 13,347 lives in the nation (UNDP, 2009 a). Idea OF FOOD SECURITY: Sustenance security exists when all individuals, consistently, approach adequate, protected and nutritious nourishment to meet their dietary needs and nourishment inclinations for a functioning and solid life. The idea of sustenance security has four columns (accessibility, access, usage and dependability). The issue of nourishment security is multidimensional, that differs crosswise over nations, social gatherings and time. Across the board destitution is the real reason for sustenance weakness. Nourishment weakness and yearning stay inescapable in Nepal, in sustenance deficiency areas as well as inside minimized networks in regions with surplus sustenance generation. Sustenance and monetary emergency is bit by bit expanding, constant nourishment instability since 1990 in Western slopes (Adhikari and Bhole, 1999), and all out number of nourishment unreliable individuals are 6.9 million (OCHA, 2008). Feudalism and work game plan framework are additionally the explanation behind sustenance frailty. Results of nourishment frailty are that poor have effectively depleted their sparing to purchase sustenance, sold the property and expanded school dropout. There is a connection between's zones of high destitution and high lack of healthy sustenance and zones of most affected by strife. Broadly, 47 % of the land owning HHs claimed just 15 % of the land with a normal size of under 0.5 ha, though the best 5 % possessed almost 37 % of land. An ongoing unpleasant gauge by WFP expressed that the base measure of land required for HHs independence is around 0.54 ha (OCHA, 2008). Measurement OF FOOD SECURITY: Nourishment Availability Accessibility of nourishment is influenced by deficient agrarian efficiency, insufficient provincial foundation, and regular sustenance deficiencies. In total and rate terms, the shortfall is typically 3-5% of absolute usage in oat proportional. Circumstance of sustenance accessibility and access are unevenly disseminated over the nation, and zones with the least generation and most noteworthy deficiency per capita likewise will in general be the ones with low salaries, most elevated paces of overty and lack of healthy sustenance, and they are frequently the most remote and blocked off. Since 1990, at national level, by and large sustenance creation is deficiency and Nepal has been a net grain merchant for most years during the most recent two decades (FAO, 2008). Table 2: Food Deficit for 2009 Yield Shortfall (Mt) Paddy 150,000 Wheat and grain 130,000 Maize 120,000 All out 400,000 Source: WFP Food security notice - 24, August 2009 The Hill and Mountain areas are especially sustenance shortage and increasingly powerless against dry season. The low creation is to a great extent because of the transcendence of downpour bolstered agribusiness, conventional cultivating rehearses, restricted agri-input, lacking specialized guidance for ranchers because of poor expansion administrations, destitution and constrained accessibility of credit, and regular dry seasons and floods. Also, the contention has diminished ranchers' entrance to creation sources of info and showcases and decreased the inspiration of ranchers, makers and dealers to grow their exercises. The absence of development in harvest generation extraordinarily confines the potential for yield enhancement which prompts healthfully uneven and inadequately expanded HH nourishment utilization designs. Just around 40 % of rustic family units produce enough sustenance to meet their all year needs. A 3.4 million land possessions produce scarcely enough nourishment to meet a half year of family unit sustenance needs. Normal ranch size is under 0.8 ha and the packages are dispersed rendering trouble for commercialization and the executives care. Decrease in % of agrarian family unit from 83 % (1995) to 78 % (2003/04) and essentially in normal size of land holding (CBS 2004). Animals contributes around 30 % to agrarian GDP and anticipated to ascend to 45 % by 2015. As per NLSS (2004), animals represents around 20 % of complete horticultural pay, after yields (50 %). It is additionally a noteworthy family unit resource used to moderate transient stuns (FAO, 2008). Sustenance Access: Physical and budgetary causes influence nourishment access and it is limited because of rare nonagricultural Salary conceivable outcomes, restricted access to beneficial assets, absence of working administrations and unacceptable administrative and authoritative limit. This is a proportion of a family's qualification to sustenance. A 2008 WFP's examination demonstrates that 75 % of overviewed HHs didn't have adequate access to nourishment, and more than 95 % of extremely poor HHs had lacking access to sustenance. Sustenance Utilization: Legitimate nourishment use requires appropriate sustenance taking care of, satisfactory training on wellbeing and nourishment, youngster care, cleanliness and sanitation, human services, and so forth. An aggregate of 55% to 85% of drinking water sources are small scale naturally sullied (OCHA, 2008). Security/Vulnerability to Food HHs and people must approach sustenance consistently, either new or handled. Be that as it may, once in a while they can be influenced by outside stuns (dry spells, floods, strife, poor political and monetary administration and climatic emergency or regular sustenance uncertainty) and inside stuns (loss of salary, ailment). Job OF WOMEN IN FOOD SECURITY As per FAO, in creating nation, 60 - 80 % of absolute sustenance generation is contributed by ladies, and they have been occupied with subsistence cultivating (Kantipur, 2009). Limit working of ladies in various divisions adds to improve the occupations of the family, network and entire nation. Right around 100 % ladies assume liability for sustaining and care of kids, and thoughts, accept and practice change of ladies contributes a great deal to improve healthful status of kids and ladies themselves. Explanation behind FOOD INSECURITY Primary purposes behind sustenance instability are arranged by four columns and detail is yielded Addition 3: Accessibility • Low rural creation and profitability and high populace development • Small land holding • Feudalism and work the board • Misuse of sustenance products • Dependency disorder on sustenance help. Access • Unequal sustenance appropriation • Lack of street system and market in remote territory • Lack of crisis reinforcement administrations • Poor obtaining limit of individuals • Social and land incongruities and prohibition. Usage • Lack of mindfulness on sustenance and nourishment propensity • High degrees of lack of healthy sustenance • Poor fundamental administrations • High illness frequency. Steadiness/Vulnerability to Food • Low pay • Frequent fiasco • Social clash • Poor political and monetary administration and other • No working of customary/indigenous network sanitation net. GOVERNMENT PROVISION FOR FOOD SECURITY AND NUTRITION As indicated by worldwide law, each person has rights to be liberated from appetite and rights to have sheltered and nutritious nourishment. General presentation on human rights, Conventions on Child Rights and other global authoritative reports have guaranteed the privileges of nourishment. Nepal doesn't have a far reaching nourishment security arrangement tending to the various elements of sustenance security; in any case, sustenance security and nourishment have been incorporated into various approach record. Nepal Interim Constitution (2007) The interval constitution has perceived nourishment power as the crucial human right and promised some significant rights which are important to guarantee the lawful privilege on the sustenance security. It ensures the privilege to life (workmanship. 12.1) and rights to work and standardized savings (article 16). Without precedent for Nepal, constitution additionally ensures the privilege to sustenance power (workmanship. 18.3). Arrangement of privileges of sustenance security for the sum total of what residents has been guaranteed through the article 16 and 33. So also, through article 35, arrangement to improve the sustenance security circumstance of underestimated network has been guaranteed. Be that as it may, these rights are liable to actualizing enactment, lamentably, such explicit laws are not yet made. As of late, for a situation, translating this right, Supreme Court of Nepal issued an interval request to the GON to promptly supply sustenance stuff in nourishment insecur>GET ANSWER