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ALU-101 > International Risk > Flashcards

International Risk Flashcards

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1
Q

what 5 factors should an u/w consider when underwriting foreign residence or travel?

A
  1. life expectancy-
  2. violence
  3. accidental death
  4. murder rates
  5. death as a results of military conflict
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2
Q

what report is released by the US state department reporting the list of US citizen deaths abroad by such causes as drowinign accident, homicide, MVA, drug, terrorist, other

A

US citizen deaths from non-natural causes by foreign country.

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3
Q

where would one see a dramatic difference between country country (category of fatality)

A

disease rates (HIV)

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4
Q

What countries have the highest prevalence for HIV/AIDS?

A

swaziland and botswana.

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5
Q

What are the prevalence rates for HIV/AID in US and CAD and germany?

A
  1. 60% US
  2. 30% CAN
  3. 10% GERM
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6
Q

What is the top 3 countries with the highest life expectancy?

A
  1. monaco (89)
  2. MAcau (84)
  3. San MArino (83)
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7
Q

what are the top 3 countries with the lowest life expectancy?

A

Angola (38)
afghanistan (45)
nigeria (47)

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8
Q

what are some challenges faced when travelling with a known serious medical condition?

A

stress and strain can exacerbate medical impairements, with lack of high quality medical care.

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9
Q

what is one problem that arrises from long international flights?

A
  1. pulmonary embolism, from sitting for a long time during flights.
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10
Q

how many people in 2012 travelled outside of their own country?

A

1,035,000,000

51% consist of travel to european countries

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11
Q

how does the country’s political situation impact mortality?

A

d/t violence, corruption, terrorism, guerrilla movement, and military conflict in the country

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12
Q

should cultural and ethnic differences be considered when living abroad? why?

A

yes, d/t lack of familiar or looking conspicuous, and exposed to dangers. In many countries

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13
Q

what occupations are considered high risk in for foreign travel? and why?

A

missionaries, government officials, journalists, judicial personal, have been singled out for violence in some countries.

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14
Q

safety, stability and general well being of a country is affected by what conditions?

A

social and economic. wide scale countries tend to have the shortest life expectancies.

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15
Q

how does socio-economic divisions impact mortality

A

divisions foster class hatred, instability, crime and outbreaks of violence, while decreasing chances of improvement.

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16
Q

how does infrastructure and transportation impact mortality?

A

variation in ability to provide safe, dependable and easily accessable transportations for citizens and visitors. unreliable transport can be dangerous in cases of medical emergency.

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17
Q

what can be expected from MVA fatalities accross the world for the upcoming years?

A

decrease in industrial countries, and 80% increase everywhere else.

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18
Q

what is an important component of measuring mortality risk assessment in any country?

A

the access to adequate medical care.

19
Q

who ranks the world’s health care system from best to worst?

A

WHO

- there is a realtion between the health care system and life expectancy tables

20
Q

which countries rank highest in both heath care systems and life expectancy?

A

those that have national program of universal health care in effect.

21
Q

name 5 geographical factors that may affect a countries ability to access medical services?

A
  1. quality of medical services (re-use equipment, not tkaing proper protocol)
  2. population density (overcrowded, vs. remote)
  3. local environment (pollution, emissions, water)
  4. climat and altitude changes
  5. natural disasters.
22
Q

what is important to consider when u/w a foreing risk (getting started) ?

A

citizenship,
visa status
expected foreing travel or residence

23
Q

what 5 questions should be included on a foreign travel questionnaire?

A
  1. citenzenship
  2. visa type
  3. anticipated foreign travel or residence in next 24 months
  4. specific countrieds as well as destinations within each country
  5. duration, dates and purpose of travel
24
Q

what is a new legislation that has been issued as a directive considering travel?

A

it is restricted/ prevented to u/w foreign travel .

25
Q

when applying for an immigrant visa at the US embassy there is preference given to who?

A
  1. people who have close family members who are US citizen (spouse, parents, children)
  2. workers with special occuaptions that are needed in the country
  3. individuals engaged to american citizens.
26
Q

what are the 3 basic classes of admissible immagrants in canada’s legislations?

A
  1. Family class0
  2. Convention refugees (people who fleed and cant return)
  3. Economic class (skilled workers, investors, entrepreneurs, self-employed persons)
27
Q

which admissible immigrant class (CANADA) is assessed using a point system that alloys points for criteria such as education, proficiency (languages), experience, age, arranged employment, network, and adaptability?

A

Economic class

28
Q

how does a foreign national enter canada?

A
  1. obtain visa
  2. pass examination
  3. provide bona fide doccuments
29
Q

how would a foreign national be considered inadmissible?

A

criminal reasons, health reasons, financial reasons, or misrepresentation on application form

30
Q

what happens to those in the US who do not qualify for legal permanent residence status?

A

non-immigrant visas are issued. ex [ H1B, L1, E1, F1, B1/B2)

31
Q

what are the three types of US non-immigrant visas that are almost as favourable as green cards from the stand point of foreign risk?

A
  1. H1B, work authorization given to those with techinical skills, or distinguisjed merit
  2. L1, intracompany transferre visa,
  3. E1, treaty trader,
  4. E2, treaty invester visas.

> > a large percent of these visas are eventually converted into legal permanent residence status and US citizenship.

32
Q

how should a student (F1) or visitor visa (B1/B2) be underwritten?

A

regarded as a resident of his or her country of citizenship.
> they cant work and are expected to return to their countries.

33
Q

what 4 reasons would a foreign national quality for a temporary resident permit in Canada?

A
  1. business visiter (work- no labour marker envolvement)
  2. worker class (work)
  3. student class (study)
  4. visitor class (no work or study)
34
Q

what is the difference between foreign travel and residence? (3)

A
  1. travel is 3 months or less,
  2. living abroad for more than 6 months a year is residence
  3. period of 3-6 months abroad defies clear definition but can be considered intermidiate level of risk
35
Q

name 9 positive (low risk) factors around foreign travel

A
  1. short duration
  2. travel is not immidiate (60 days in future)
  3. major urban areas are visited
  4. vacation, holiday, business or visiting relatives
  5. ages 18-70
  6. permanent or level term policies
  7. good health
  8. lodging at hotels or relatives
  9. country of destination is relatively safe
36
Q

what are 11 negative (high risk) factors around foreign travel?

A
  1. long duration
  2. leaving soon/departed
  3. travel outside of urban areas/remote areas
  4. journalism, politician, public figure, government official, relief worker, missionary
  6. annual renewable term or short-term plan
  7. amount of coverage is extensive
  8. hazardous avocations while away
  9. quality and type of lodging is uncertain
  10. the destination is to high-risk countries
  11. serious preexisting health concerns
    `
37
Q

what are the leading causes of death regarding travelers overseas?

A

49% cardiovascular

2nd leading injuries (including MVA)

38
Q

in europe: tourist injury mortality was ___ x greater than resident injury mortality

A

4.6

39
Q

what is a foreign resident?

A

someone who lives outside us or canada for more than 6 months in the year, or people residing in their own countries.

40
Q

what are some difficulties on might encounter processing and administrating an insurance application from abroad?

A
  1. language barrier.

2. exams to be completed at facilities approved by teh insurance company

41
Q

what are 3 difficulties encountered when obtaining a physicians statement (or medical records) from other countries?

A
  1. language (translators, $$)
  2. processing time, and bureaucratic impediments increase when records cross international boarders
  3. accuracy and completeness of records from one country to another.
42
Q

what legal issues must be considered with international u.w?

A
  1. allowed to conduct business in the foreign country of which its operating?
  2. complience and applicable law in each country [diplomacy?]
  3. corruption and fraud
43
Q

what does the organization “Trasnparency International” publish annually?

A

a report called “corruption perceptions index” ranks 182 countries according to its assessment of the level of corruption in those countries.

44
Q

how can one lower the possibility of money laundering or frequent policy lapses?

A

premium payments made in designated, stable` hard currency.

ALU-101 (14 decks)

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