COOPERATIVE INSURANCE PRODUCERS
Several types of cooperative producers found in the insurance business. One example is the dozens of organizations that operate under the trade name of Blue Cross's Shield (Blue Cross and Blue Shield). Hospitals and doctors in the organization is the giver of services to insurance, and thus they are the producers. An other forms of cooperative organization is assured manufacturers that the insurer-insurer consists of individuals joined forces to more effectively deal with the wider community in the market. The third type of cooperative producers is a reinsurance Association consists of individual insurance companies that joined forces to more effectively deal with other insurance companies on the market.
The plan of treatment and Hospital Services
A number of plans services treatment and hospitals have been organized under the special State legislation. This organization is an interesting mix between insurance insurance along with possession. The most famous of the hospital services plan is from the American Hospital Association who call themselves Blue Cross (Blue Cross). The most famous of the Ministry's plan of treatment is made by a group of doctors dang Blue Shield members (Blue Shield). A number of Blue Shield plans in coordination with the Blue Cross plans as a service package for the treatment at home sick. It is headed by the Board of Commissioners or Truste, which consists of representatives of hospitals, to the doctor's, the profession and society. The Commissioner generally adopted by hospitals and the medical profession sometimes selected by the policyholder and therefore tends to be fixed because the people who are in the lift by the Board are usually the people who are selected. It is not a legal entity insurance together with different insurance together in terms of "members" supervisors are the doctors and hospitals that provide protection, and not the people that subscribe (subscribe) "with such insurance. Members of the oversight has financial risk (and determine the location of any surplus). Most legal experts regard the Organization of the Blue Cross and Blue Shield as a charity and alms, therefore he is entitled to be the liberation of certain taxes.
A the traits that distinguish the Agency services and hospital treatment with insurance is that it considered selling the service (service of medical treatment and hospital) and not an insurance other differences are as large as the protection is for losses – losses is relatively small and it is certain because it more accurately called the plan "upfront fee".
Association The Insurer
Many associations of the insurer that operates in the market of insurance. Two very famous Association is Associated Factory File Insurance Companies and Associated Insurance Factory.
Operations of the four insurance companies together with the factory which has been described in this chapter more in make it by the Organization of cooperatives known as Associated Factory File Insurance Companies. The insurance company has a factory shared parts coverage, accounting, sales techniques, which itself is a separate, but in some ways they operate together to increase efficiency and improve their services. The most important areas of cooperation from joint insurance companies this is the prevention research field losses and service, developing wisdom, provision of facilities, creation of insurance tariff schedule, the determination of the magnitude of the loss, and give a complete assessment services to its policyholders. A joint inspection and engineering section at the laboratory in Norwood, Massachusett, with 18 offices following 400 engineers provide the most important locations in the entire United States and Canada.
To compete with the insurance companies along with the factory, then the 12 fruit company fire insurance in the years 1890 to form the FIA (Factory Insurance Association = Association insurance factory). Currently, its membership comprises 44 fruit company fire insurance are prominent. The FIA is like an insurance company along with the factory, bear the great buildings, high level, and have the sprinklers and emphasis on prevention of losses. Inspection, bearing, and the determination of the magnitude of the losses, held by the Association through the regional offices in Chicago, San Francisco and Hartford, as well as through many field offices located in major cities of the United States on land, a staff consisting of a Travelling Inspector-inspectors, engineers and field are placed all around the country. Property inspected once borne sekuartal.
Some examples of the other insurer is the Association for American Foreign Insurance Association which handles foreign operations from 10 members of the company-the company's insurance rates; two groups of insurer flight i.e. Associated Aviation Underwriters and United States Aircraft Insurance group, Cotton Fire and Marine Underwriters Improved Risk Mutuals, namely a group of the insurer to increase the marketing capabilities and improve the technical services of some companies fire insurance together.
Aside from that is the Mutual Inland Marine Underwriters of New England
is a group of the insurer to increase the ability of some insurance
companies together. Railroad Insurance Underwriters i.e. syndicate battles from members of Lloyd's of London. And more associations are engaged in the field of insurance of property, danger or disaster (e.g. a nuclear disaster), or who is engaged in certain industries (fruits, dairy processing industry), and so on.
