Evidence of adverse selection in Iranian supplementary health insurance market

Existence or non-existence of adverse selection in insurance market is one of the important cases that have always been considered by insurers. Adverse selection is one of the consequences of asymmetric information. Theory of adverse selection states that high-risk individuals demand the insurance service more than low risk individuals do. The presence of adverse selection in Iran's supplementary health insurance market is tested in this paper. The study group consists of 420 practitioner individuals aged 20 to 59. We estimate two logistic regression models in order to determine the effect of individual's characteristics on decision to purchase health insurance coverage and loss occurrence. Using the correlation between claim occurrence and decision to purchase health insurance, the adverse selection problem in Iranian supplementary health insurance market is examined. Individuals with higher level of education and income level purchase less supplementary health insurance and make fewer claims than others make and there is positive correlation between claim occurrence and decision to purchase supplementary health insurance. Our findings prove the evidence of the presence of adverse selection in Iranian supplementary health insurance market

[Biochemical and antimicrobial activities of salvia officinalis L. and mentha piperita L. essential oils]

Although antibiotics are used in conventional treatment of infectious diseases, a lot of unexpected side effects along with resistance to antibiotics appear. Salvia officinalis and Mentha piperita are plants found abundantly in most parts of Iran. In the present study, we extracted and identified the chemical compounds of the essential oils of Salvia officinalis and Mentha piperita. Moreover, the anti-oxidative property, free radical scavenging capacity, and antimicrobial activities of the essential oils of these plants were studied. This study was conducted in the Biotechnology Department laboratories, Agricultural Faculty of Avicina University, Hamadan, Iran, in 2009. The aerial parts of Salvia officinalis and Mentha piperita were harvested in summer, when the plants were in their full blooming stage and dried in the shade. The essential oil of the aerial parts was extracted by hydrodistillation and was analyzed by capillary GC and GC/MS method. The micro-organisms employed in this study were: E. coli, S. aureus, S. enteritidis, L. monocytogenes. By employing disc diffusion and tube dilution methods, antimicrobial effects of the oils were studied. Antioxidative property, free radical scavenging capacity, and antimicrobial activities of the oils were also studied. Chemical analysis of the extracts resulted in the identification of 28 and 37 compounds in the essential oils of Salvia officinalis and Mentha piperita respectively. The sensitivity of the bacteria to the oils in order of decreasing the sensitivity was L. monocytogenes, E. coli, S. aureus, and S. enteritidis. The antibacterial properties of the essential oil from Mentha piperita leaves were higher than the oil of Salvia officinalis leaves. Also inhibitions zones of microbial growth were not correlated with the microbicidal kinetics of the oils. This study showed that the herbal essences of Salvia officinalis and Mentha piperita are very active against E. coli, S. aureus, S. enteritidis and L. monocytogenes

[Chemical composition and antibacterial activity of the essence oil of peppermint [mentha piperita L]]

Peppermint [Mentha piperita L.] is a perennial herbaceous essence oil bearing plant which belongs to the Lamiaceae family. This plant is a valuable and important herb which has many therapeutic properties. Recent investigations have shown its excellent anti-irritable bowel syndrome effects. Other properties of this plant are anti-inflammatory, analgesic, promote menstrual flow, antipyretic, antiseptic and anti-rheumatoid effects. This investigation was conducted to study the antibacterial properties of peppermint essence oil, as well as determining the content and composition of essential oil. In order to study the effect of the antibacterial activity of the essence oil of peppermint, this experimental study was conducted in 2009 at Hamedan University of Medical Sciences. The aerial parts of the peppermint were harvested in summer when it was in the full blooming stage of the plant. The collected aerial parts were then dried in the shade. The essence oil of the aerial parts was extracted by hydro-distillation technique using Clevenger apparatus and was analyzed by the capillary GC and GC/MS method. Anti bacterial properties of the essence oil on four pathogenic bacteria were determined by using broth dilution and well diffusion agar methods. The collected data were analyzed by the SPSS version 11.5 software, using the independent t-test. The essence oil of peppermint showed the maximum anti bacterial effect on E. coli and the minimum effect on S. aureus and P. aeuroginosa. The essence oil content of aerial parts was 0.69% [w/w] based on dry weight. The amount of menthol which is the main constituent of the oil and as an antiseptic component was 47.9%.Results of this study revealed that the essential oil of peppermint is rich in menthol and can be considered as an antibacterial agent in drug and food industries

Evaluation of teratogenicity of salvia leriifolia benth. in mice

It has been shown that Salvia leriifolia Benth. has various pharmacological effects such as anti-hyperglycemia, anti-inflammatory, analgesic, muscle relaxant and sedative effect. There is a considerable potential for usage of this plant during pregnancy. However, its effects on embryonic development have not been examined. In this study, the in vivo fetotoxicity of S. leriifolia aqueous and alcoholic extracts were evaluated in mice. For this purpose, 10% and 30% of the maximal tolerated dose [MTD] of aqueous or alcoholic extracts were daily injected intraperitoneally in pregnant mice on GD=6 [Gestation Day] to GD=14. On GD=18, embryos were harvested by Cesarean section and then morphological structures and skeletal anomalies were evaluated. Other embryos were fixed and stained for bone and cartilage assessments. Both doses of alcoholic and aqueous extracts caused significant decrease in weight gain of pregnant mice; length and weight of fetuses were also reduced remarkably compared to the control group. Alcoholic and aqueous extracts caused some abnormalities such as spina bifida, limb abnormalities, abdominal bleeding, and bone abnormalities. This study presents strong evidence that S. leriifolia can cause numerous embryotoxicities. Thus, pregnant women should be careful in using this herb during pregnancy and it is best to avoid its use until further studies are performed