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Health Care!

Is it not alarming situation?

List of countries that don’t take care about their people neither have Free Health Care nor Universal Health Care.

1-    Afghanistan                                   

2-    Angola

3-    Burundi

4-    Cambodia

5-    Cameroon

6-    Chad

7-    Comoros

8-    Dominican Republic

9-    Dominica

10- Gambia

11- Grenada

12- Guinea-Bissau

13- Guinea

14- Haiti

15- Indonesia

16- Iraq

17- Jordan

18- Kenya

19- Lebanon

20- Liberia

21- Mali

22- Marshall Islands

23- Mauritania

24- Micronesia

25- Mozambique

26- Niger

27- Nigeria

28- Pakistan

29- Saint Kitts and Nevis

30- Senegal

31- Sierra Leone

32- Somalia

33- South Indian

34- Sudan

35- Suriname

36- Syrian Arab Republic

37- Tajikistan

38- Turkmenistan

39- United States of America

40- Zimbabwe

Top 10 Insurance Companies

We all face different kinds of risks. These risks not only come with pain and suffering but also hurt financially. Insurance is one way for preparation for the worst; it offers the surety that the economic part of the pain will be taken care of. Insurance is a crucial component of financial planning. With countless insurance companies operating globally, it can be challenging to determine which ones stand out in terms of reliability, customer service, and comprehensive coverage. 

We’ll explore the top 10 insurance companies worldwide, known for their robust financial strength, wide range of services, and customer satisfaction.

Here is the list of top 10 Insurance companies for more services.

1. AXA

• Worth: As of 2023, AXA's market capitalization is approximately $64 billion.
• Employees: Over 120,000 employees worldwide.
• Countries with Customers: AXA operates in over 50 countries, including France, the United Kingdom, the United States, Japan, China, and many others across Europe, Asia, Africa, and the Americas.

2. Zurich Insurance Group

• Worth: Zurich Insurance Group's market capitalization is around $67 billion.
• Employees: Approximately 55,000 employees.
• Countries with Customers: Zurich has a presence in more than 170 countries, including Switzerland, Germany, the United States, the United Kingdom, Australia, and across Asia, Latin America, and the Middle East.

3. China Life Insurance

• Worth: China Life Insurance has a market capitalization of approximately $100 billion.
• Employees: Over 100,000 employees.
• Countries with Customers: Primarily focused in China, with some international presence in Hong Kong, Singapore, and other parts of Asia.

4. Berkshire Hathaway

• Worth: Berkshire Hathaway's market capitalization is around $790 billion.
• Employees: Over 370,000 employees across its various subsidiaries.
• Countries with Customers: Berkshire Hathaway operates primarily in the United States but also has significant international business, particularly through its reinsurance arm and other subsidiaries in Europe, Canada, and Australia.

5. Prudential plc

• Worth: Prudential plc has a market capitalization of approximately $35 billion.
• Employees: Around 23,000 employees.
• Countries with Customers: Prudential operates mainly in the United Kingdom, Asia (particularly in Hong Kong, Singapore, and Malaysia), and the United States through its subsidiary Jackson National Life.

6. UnitedHealth Group

• Worth: UnitedHealth Group's market capitalization is approximately $500 billion.
• Employees: Over 400,000 employees.
• Countries with Customers: Primarily in the United States, with some international operations in Brazil, Ireland, and other countries through its Optum and UnitedHealthcare businesses.

7. Munich Re Group

• Worth: Munich Re Group's market capitalization is around $47 billion.
• Employees: Approximately 40,000 employees.
• Countries with Customers: Munich Re operates in over 30 countries, including Germany, the United States, the United Kingdom, Japan, and across Europe, Asia, and Latin America.

8. Assicurazioni Generali S.p.A.

• Worth: Assicurazioni Generali has a market capitalization of approximately $31 billion.
• Employees: About 74,000 employees.
• Countries with Customers: Generali operates in over 50 countries, including Italy, France, Germany, Austria, and several countries in Central and Eastern Europe, as well as a growing presence in Asia and Latin America.

9. Japan Post Holdings Co., Ltd.

• Worth: Japan Post Holdings has a market capitalization of around $40 billion.
• Employees: Over 220,000 employees.
• Countries with Customers: Primarily in Japan, with limited international operations.

10. Allianz SE

• Worth: Allianz SE's market capitalization is approximately $96 billion.
• Employees: Over 150,000 employees.
• Countries with Customers: Allianz operates in more than 70 countries, including Germany, the United States, France, the United Kingdom, Australia, and various countries across Europe, Asia, and the Americas.

Summary

These companies represent some of the largest and most influential players in the global insurance industry. With vast networks of employees and operations spanning numerous countries, they are well-positioned to meet the diverse needs of their global customer bases. Each company's financial strength and extensive market presence contribute to its ability to provide reliable insurance solutions across the world.

List By: Prableen Bajpai, CFA (ICFAI)

Insurance

Insurance:

Insurance is a means of overcome your financial loss. It is under the risk management. Insurance company pays the premium to the insurer against any loss or date of maturity. Insurance is a simple concept; customers pay a monthly or annual premium in exchange for protection against financial risks. We buy home and contents insurance to protect against losses due to a house fire or a burglary, pet insurance to protect against the cost of vet bills and travel insurance to stop holiday disasters costing the earth.

Risk management is the bigger part of any business either it is small business or large one. Owner thinks that how they overcome against any loss. To reduce their business from loss this concept helps a lot. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured established by ownership, possession, or preexisting relationship.

Types of insurance:

There are hundreds of types of insurance, it depends on the insurer concept that how they perceive it. Following are some main type of insurances.

• Life Insurance
• Health Insurance
• Auto Insurance.
• Property/Home Insurance
• Business Insurance

How It works:

Insurer can buy any policy by contracting with insurance company after studying its rules and regulation. It depends on the company’s works that how they made insurance policies by categorizing the types of the insurance.  Some companies start to pay the premium 0% to 100%, depends how long the insurance policy is and what amount of money they insured.

Insurance Claim:

Insurer can claim to the  insurance company for payment either they lost some thing or date of maturity occur according to the claim contract. An insurance claim is a formal request to an Insurance company asking for a payment based on the terms of the insurance policy. The insurance company takes detail reviews the claim for its validity and then pays out to the insured or requesting party once claim approved.

Type of major losses

• Earthquake
• Flood
• Machinery Breakdown
• Fire
• Accident
• Professional indemnity and etc…

Havana

Unforgettable performance of her hit song "Havana"! By Camila Cabello.

Role of law.

If a person rape a children and then kill them. What do you think that What punishment do you punish?

Best Wishes

THERE IS ONLY A THIN LINE BETWEEN TO MAKE OUR DAY A NICE ONE OR A BAD ONE; IT IS OUR ATTITUDE THAT MAKES OUR DAY PERFECT. SO ALWAYS FOLLOW A GOOD ATTITUDE AND HAVE A NICE DAY!

Qoutation

"Honest Leaders can change the Fate of the Nation."
"Nations do come across challenges, but honest leadership steers the people out."
"Judiciary will not allow democracy to be derailed."
"Judiciary is playing its constitutional role to protect the fundamental rights of people in accordance with law".
Famous saying by CJP Justice Saqib Nisar yesterday.