Asunto(s)
Antiparasitarios/economía , Tratamiento Farmacológico de COVID-19 , Gastos en Salud/estadística & datos numéricos , Aseguradoras/economía , Ivermectina/economía , Uso Fuera de lo Indicado/economía , Adolescente , Adulto , Anciano , Anciano de 80 o más Años , Antiparasitarios/uso terapéutico , Estudios Transversales , Femenino , Humanos , Seguro de Salud/economía , Ivermectina/uso terapéutico , Masculino , Medicare/economía , Persona de Mediana Edad , Estados Unidos , Adulto JovenAsunto(s)
Betacoronavirus , Infecciones por Coronavirus/economía , Infecciones por Coronavirus/epidemiología , Renta , Aseguradoras/economía , Seguro de Salud/economía , Pandemias/economía , Neumonía Viral/economía , Neumonía Viral/epidemiología , COVID-19 , Recesión Económica , Gastos en Salud/legislación & jurisprudencia , Humanos , Asignación de Recursos/economía , Asignación de Recursos/métodos , SARS-CoV-2 , Estados Unidos/epidemiologíaRESUMEN
This study investigated the impact of COVID-19 on the insurance industry by studying the case of Ghana from March to June 2020. With a parallel comparison to previous pandemics such as SARS-CoV, H1N1 and MERS, we developed outlines for simulating the impact of the pandemic on the insurance industry. The study used qualitative and quantitative interviews to estimate the impact of the pandemic. Presently, the trend is an economic recession with decreasing profits but increasing claims. Due to the cancellation of travels, events and other economic losses, the Ghanaian insurance industry witnessed a loss currently estimated at GH Ȼ112 million. Our comparison and forecast predicts a normalization of economic indicators from January 2021. In the meantime, while the pandemic persists, insurers should adapt to working from remote locations, train and equip staff to work under social distancing regulations, enhance cybersecurity protocols and simplify claims/premium processing using e-payment channels. It will require the collaboration of the Ghana Ministry of Health, Banking Sector, Police Department, Customs Excise and Preventive Service, other relevant Ministries and the international community to bring the pandemic to a stop.