eChapters

Introduction 
There is a significant transformation undergoing in the health insurance sector, driven by technological advancements, shift in the regulatory frameworks and uplifting the consumer expectations towards the sector. There is a rise in the healthcare costs in recent times and as a result the insurers are increasingly Assistant Professor, Department of Business Administration, Girijananda Chowdhury University, Assam challenged to provide sustainable and equitable coverage to ensure the quality of treatments of the patients. This evolving landscape health insurance claims a comprehensive understanding of the upcoming patterns and trends to shape the future of health insurance. The digital health technologies have evolved recent developments in the form of telemedicine, artificial intelligence and blockchain etc are continuously contributing as how insurance providers assess risk, deliver services, and engage with policyholders. These innovations not only enhance operational effectiveness but also empower consumers to play a more vital role in their healthcare decision making. Thereafter, the importance of the value-based care becomes more remarkable and the insurers are exploring new models that focus upon patient outcomes over volume, aligning incentives between providers and payers. Additionally, the technological advancements along with the demographic shifts that includes aging population and the increasing rate of chronic diseases are changing the direction of health insurance. The service providers must transform their plans and policies to meet the diversified needs of a changing population that significantly prioritizes personalized and accessible care solutions. Since the emergence of alternative insurance models such as on-demand coverage, direct primary care, and self-insured employer plans etc., the industry navigates these changes and results a shift away from traditional insurance practices. Health insurance significantly plays a vital role achieving Sustainable Development Goal 3 (SDG 3), aiming to secure healthcare and encourage well-being along with poverty reduction and economic growth of the country. By providing financial safeguard against high-cost medical treatments, health insurance minimises the risk of destructive health expenditures which may lead to positioned the individuals and their families into the line of poverty. As the people in India is having access to better healthcare services, the disparities in healthcare services can be reduced and the equality of healthcare services among all the sections in the society can be attained. It boosts the awareness to access the essential healthcare services that includes maternal health, precautionary care and treatment for non-communicable diseases. However, health insurance stimulates sustainable financing for healthcare with an assurance of pooling the funds equitably to cover the needs of various class of people to enhance the attainment of SDG 3 targets and overall sustainability of global health.

Green composites provide opportunities to reduce dependence on petroleum-derived materials while maintaining useful mechanical and functional performance. This chapter examines the fundamentals of green composites and the major challenges limiting their wider adoption. Important issues include poor interfacial bonding, nanoparticle dispersion, variability of natural fibres, mechanical and thermal limitations, processing difficulties, cost, scalability, and commercialization barriers. Nanoparticle reinforcement is explored as a means of improving tensile strength, stiffness, thermal stability, electrical conductivity, and barrier properties. The chapter also discusses green processing, advanced characterization, emerging applications, sustainability assessment, life-cycle assessment, and future research directions for developing high-performance and commercially viable green composite systems.

3.1 Overview of the Global Carbon Market in Pre-Kyoto Protocol Phase

At the First COP in Berlin in 1995, the UNFCCC launched a pilot phase of projects to build experience and “learning by doing”. The pilot phase was termed Activities Implemented Jointly (http://unfccc.int/program/coop/aij/aij_np.html). Under the Activities Implemented Jointly, Annex I Parties could implement projects in other countries that reduced emission of greenhouse gases or enhanced removals of sinks. The number of projects registered under Activities Implemented Jointly has been growing since its launch and as of 2002 (the latest report available) there were 157 projects – 45 percent of which are in developing countries. The total amount of money invested by private sector companies as of 2000 was about $160 million. Because of the expectations that sink projects would be included as a mechanism for achieving targets, several pilot projects were voluntarily implemented involving mostly private sector entities (e.g., electric utility companies, oil companies and environmental non-governmental organisations). Between the beginning of 1996 and the end of 2003, 76 transactions involving carbon sequestration in the LULUCF sector were signed, representing 40 million tCO2-e. Relative to all of the carbon transactions that took place over the same period, sink projects accounted for 21 percent of the total number and 23 percent of the total volume. In volume terms, carbon sequestration projects were the single largest project category, and more than three-quarters of this volume was transacted between 1996 and 1999.

The ‘greenhouse effect’ earns its name from the rough similarity between the way it works and the way the glass of a greenhouse works. Glass too, is transparent to short-wave radiation but opaque to long-wave radiation, so the greenhouse traps heat.
Carbon dioxide plays a critical role in controlling the Earth’s climate because as an aerosol it absorbs and reflects or scatters incoming radiation on the one hand and absorbs and reradiates outgoing infrared radiation on the other. This latter phenomenon results in what is popularly called the Greenhouse Effect, an analogy to what happens in a greenhouse.

Introduction
As one of the biggest youth demographics worldwide, especially in India Gen Z, represents a distinct consumer segment defined by their digital fluency and progressive values. Their deep integration with technology has reshaped traditional shopping habits, making e-commerce platforms central to their purchasing decisions (Smith, 2020). This generation highly values health and sustainability, pushing e-commerce platforms to address these priorities. This shift is crucial in meeting the evolving behaviours of Gen Z, who emphasize wellness and environmental considerations in their purchasing choices. E-commerce platforms possess powerful tools that influence consumer behaviour, especially with the Gen Z demographic. This generation is well known for its tech-savviness and strong social and environmental consciousness and responds uniquely to online marketing strategies. E-commerce platforms are pivotal in shaping Gen Z’s health and sustainability practices. They achieve this by providing a wide variety of wellness-oriented products and information, which assists in educating and motivating consumers about healthy lifestyle. Additionally, these platforms feature eco-friendly products and promote sustainable practices, aligning the Gen Z’s growing concern for environmental issues. The choice of this topic was inspired by a few things such as health consciousness and sustainable consumption. This interdisciplinary topic combines insights from consumer psychology, digital marketing, and environmental science, offering valuable implications for businesses and policymakers aiming to engage this tech-savvy generation effectively. The focus on this emerging area of research helps fill gaps in existing literature and provides strategic guidance for optimizing digital commerce strategies. Case studies on MyFitnessPal and Nike’s Move to Zero initiative demonstrate how an e-commerce platform can promote health awareness and sustainable consumption among Gen Z. This topic will aid businesses and marketers in customizing their online strategies to align with Gen Z’s emphasis on health and sustainability. It assists policymakers and environmental organizations in formulating improved practices and regulations for responsible consumption. Developers of e-commerce platforms can leverage these insights to design features that align with users’ values. For researchers, it enriches the understanding of consumer behaviour and digital marketing. Finally, it helps consumers to make more informed decisions by demonstrating how e-commerce influences their health and environmental choices.

Abstract

The Western Desert covers approximately 700,000 km², which is more than two-thirds of the total area of Egypt. This immense desert, to the west of the Nile, spans the area from the Mediterranean Sea to the Sudanese border. The Great Sand Sea lies within the desert’s plain and extends from Siwa Oasis to Jilf al Kabir plateau. Scarps and deep depressions exist in several parts of the Western Desert. Limited agricultural production, the presence of some natural resources, and permanent settlements are found in the western desert oases (Siwa, Bahariya, Farafra, Dakhla and Kharga), all of which have fresh groundwater. Siwa Oasis, close to the Libyan border, is isolated from the rest of Egypt but has sustained life since ancient times. The Siwa’s cliff-hung Temple of Amun was renowned for its oracles for more than 1,000 years. Herodotus and Alexander the Great visited the temple in the pre-Christian era. The Oasis is a natural depression about 23 meters below sea level. It covers an area of about 1050 km² (2,50,000 acres); of which only 87.95 km² (20,940 acres) are currently cultivated. The total numbers of inhabitants in Siwa were 21,482 in 2006. The main activity in Siwa oasis is agriculture which depends on the groundwater that outflows from about 1199 wells and springs giving a total annual discharge of about 255 million cubic meters from which, about 222 million cubic meters are lost due to evaporation and evapotranspiration, while the remainder goes to the natural lakes of Siwa Oasis. This has led to a continuous rise in the water table level and soil salinity.

Present research paper on land degradation processes relates to the improper management of water and land resources in Siwa Oasis, Egypt.

Since the last decade discussion regarding ecology is being heard. A campaign with a great planning has launched by holding seminar conferences and meets. The ecological problem became a matter of tremendous panic and anxiety. Not only in India but also in entire world this problem is being discussed through all school, colleges and universities on international scale all over world, since it became universal issue now a days. The word ecology was not known to the people 20 years ago, never the less it became familiar even among the villages today. The people in villages are making thorough study of the subject. The experts of ecology from all over the world have been surprised to learn the exhaustive study of the same done by the Indian scholars. We have instituted a separate ministry to look after the environmental problems. The activities injurious to environment are prohibited. An act is there to restrict antienvironmental deeds what made scientists all over the world to take this matter so seriously. Does it mean that the very existence of mankind has been jeopardized by it Let us see what our ancient literature say about the ecology and pollution.

Abstract

Drought and salinity are two major abiotic stresses that affect various aspects of human lives of one third world population including human health and agricultural productivity. Abiotic stresses such as salinity, drought, nutrient deficiency or toxicity, and flooding limit crop productivity world-wide. A living organism is considered resistant if it tolerates a given physicochemical stress. The presence of microorganisms within the soil, specially a main group known as arbuscular mycorrhizal fungi (AMF), is a key factor in the adaptation of plants to the different ecosystems. The AMF colonizing within the plant roots can determine the success of plants in salt- and/or drought-affected areas. The symbiosis with AMF has been proposed as one of the mechanisms of salinity and water stress avoidance. Studies have shown greater drought and salinity tolerance in AMF-colonized plants by a number of mechanisms. These mechanisms include enhanced water and nutrient uptake directly by extraradical hyphae, higher leaf stomatal conductance and/or better root system architecture, higher capacity of osmotic adjustment and antioxidant defense systems, better soil structure due to higher glomalin and over expression of genes encoding antioxidant enzymes.

It is well recognized that sustainable management and sustainable livelihoods are inseparable. If neglected and if the present trends are not corrected in time, everyone’s future is threated. On the other hand, there is increasing recognition of living examples and demonstrated evidences of how the eco agricultural practices can help provide a solution to some of the major problems of today and tomorrow. Also, the main stream international agencies are emphasizing that agro-ecological approaches are the way forward. What the policy makers, farmers and people would like to know is How !it has been our experience that in most countries of the developing world the answer to ‘How’ of eco-agricultural is being demanded!

There is no terminal of any kind of research, rather they presence a static snap of the gamut of ecological dynamics and functions.

The following scopes for future research

• To construct modelling on resilience, beyond agriculture like livestock f ishery, forestry.

• To create new Algorithm of prediction in ecological behaviour and dynamics

• Gender and economic factors in resilience study and analysis

• Ecological resilience in different agro climatic zones covering coastal ecosystem, Himalayan ecosystem red lateritic ecosystem etc

• Policy research in ensuring and intriguing ecological resilience as well as social resilience on the common platform of production behaviour

• Importance of ecological resilience in the perspective of climate change and global warming

Introduction 
Life’s unpredictability is a common thread that weaves through our experiences, prompting the use of various societal mechanisms to help us navigate the uncertainties we face (Lenhart, 2020). On a personal level, a typical strategy for managing this uncertainty includes utilizing financial instruments, commonly known as insurance (Ito & Kono, 2010). Today a diverse range of items is now eligible for insurance, encompassing aspects such as health, travel, and personal belongings, typically categorized as health, travel, and property insurance respectively. In India, the recognition of life insurance is prevalent, but with the increase in literacy and financial awareness, a growing number of individuals and families are starting to grasp the importance of health insurance (Kumar & Duggirala, 2021). Following this cause, the third goal of sustainable development that highlights the significance of ensuring and promoting healthy lives is worth mentioningtowards the effort of massification of the health insurance. By integrating finance, the third Sustainable Development Goal emphasizes a crucial initiative aimed at achieving universal health coverage for every citizen, which encompasses state health insurance for all individuals(Pauly, 1994). This initiative aims to equip citizens with the financial resilience needed to navigate an uncertain future, particularly concerning health-related challenges. In the context of health insurance frameworks, understanding the accessibility of initiatives aimed at the bottom of the pyramid is crucial for realizing universal health coverage towards achieving the SDGs’ (Pablos-Mendez, Cavanaugh, & Ly, 2016). The effectiveness of accessibility is intricately linked to the level of awareness that exists within the community. As the landscape of health insurance is ever-dynamic, understanding its intricacies will be crucial moving forward.For a thorough exploration, a researcher should have a wide-ranging grasp of the discipline, including theoretical, contextual, and methodological perspectives. Taking this into consideration, present chapter aims to explore a theoretical aspect of the review through a bibliometric analysis (Faruk, Rahman, Heliyon, & 2021, n.d.) of the literature spanning from 1984 to 2024 (Lebek, Uffen, Neumann, Hohler, & Breitner, 2014). This theoretical perspective will guide us in exploring how to reflect on the answers effectively. Theories illustrate methods for examining and establishing a structure for comprehending occurrences (Mahajan, n.d.). Furthermore, the theory clarifies how phenomena connect with the practical world, providing a distinct path and perspective for the researcher. This upcoming section will outline the reasoning behind this study, which entails performing a bibliometric analysis of the literature through the PRISMA Protocol (Moher et al., 2009), succeeded by a comprehensive text analysis of the chosen literature. The next section provides a concise overview of the theories explored within the realm of health insurance literature. This review adopts the PRISMA protocol (Moher et al., 2009) to scrutinize the articles to be included in the review. The protocol involves two phases of scrutinization, which consist of identification and screening. In the identification phase, I selected the Scopus register (Malanski, Dedieu, & Schiavi, 2021) and collected a database of 16797 articles. I gathered this database based on the “Article titles” criterion, including the keywords “Health Insurance” or “Health” and “Insurance” from 1984 to 2024, encompassing 50 years of literature. The year selection provides a timeline of the 50 years of academic scholarship related to the subset of health insurance as a research topic. After applying the language filter of English, duplication, and automation tools to this dataset, I were able to obtain 10961 articles for the subsequent screening stage. In this stage of screening, I have used the filter of subject area by selecting the subject area of Social Sciences; Business, Management, and Accounting; Decision Science; Economics, Econometrics, and Finance, which leads the collection of the 2580

Arsenic contamination of groundwater is a form of groundwater pollution that is often due to naturally occurring high concentrations of arsenic in deeper levels of groundwater. The Ganges Delta’s usage of deep tube wells for water delivery has raised awareness of the issue because it has led to widespread arsenic poisoning in significant numbers of people. During the weathering of rocks and minerals, which is followed by subsequent leaching and runoff, arsenic (As) is released into the soil and groundwater. Additionally, anthropogenic sources can transfer it into the soil and groundwater. Six West Bengal districts with a combined area of 34000 km2 and a population of 30 million have been determined to have groundwater levels of arsenic over the WHO maximum allowable limit of 0.05 mg l1. (Alam et al.,2002)

At present, 37 administrative blocks by the side of the river Ganga and adjoining areas are affected. Areas affected by arsenic contamination in groundwater are all located in the upper delta plain and are mostly in the abandoned meander belt. More than 800 000 people from 312 villages/wards are drinking arsenic-contaminated water and amongst them, at least 175 000 people show arsenical skin lesions. Thousands of tube well water in these six districts have been analysed for arsenic species. Hair, nails, scales, urine, and liver tissue analyses show elevated concentrations of arsenic in people drinking arsenic-contaminated water for a longer period. Arsenic comes from a geological source. Only a few soil strata have high arsenic contents, which are determined to be linked to iron-pyrites according to investigations of bore hole silt. Arsenical skin lesions in various areas cause a variety of societal issues. (Das et al.,1996)

This chapter focuses on key terms and their associated concepts that are crucial for effectively communicating the ideas of the study. It also establishes a theoretical orientation for the empirical investigation and provides guidance for selecting appropriate predictor variables that are relevant to the research.

The scholastic and theoretical exercise referred to in the statement related to the intellectual and academic process involved in conducting research. It involves delving into existing literature, theories, and concepts related to the research topic, as well as formulating new ideas and theories based on the researcher’s understanding and analysis.

One of the key outcomes of this exercise is the development of an operational definition. An operational definition is a clear and concise description of how a specific concept or variable will be measured or observed in the research study. It provides a framework for understanding and interpreting the data collected during the research process.

Furthermore, the pursuit of knowledge is an essential aspect of the research process. Researchers engage in a systematic exploration and investigation of the research topic, seeking to expand the existing knowledge base and contribute new insights to the field. This pursuit of knowledge involves critically analyzing existing theories, synthesizing information, and generating new ideas and theories through the research process. The theory that is developed as a result of this exercise is constructed in alignment with the set of objectives and research designs established at the beginning of the research project. The theory serves as a framework that guides the research process and helps to organize and interpret the data collected. It is important for the theory to be congruent with the research objectives to ensure the research study is focused and relevant to its intended goals.

3.1 Conceptual Framework

Aconceptual framework is an analytical tool that is used to get a comprehensive understanding of the study. It embodies the specific direction by which the research will have to be undertaken. It is generally constructed to provide the researcher the element ofattainable and researchable problems and ideas supported by methodology, design, prospective analysis and empirical conclusion. The conceptual framework is often called as the research paradigm.

The subject matter of the present research is Resilience and productivity of agriculture in different social-ecology: the farmers’ perception, status and interpretation. It is expected that the terminologies and concepts used to frame up the topic need to undergo brief explanation for the better understanding of its meaning.

Resilience: Resilience is about anticipating, planning and reducing disaster risk to effectively protect persons, communities and countries, their livelihoods, health, cultural heritage, socio-economic assets and ecosystems. The ideas of ‘bounce back’, ‘spring forward’ and ‘build back better’ are often used in the context of resilience.

Productivity: Productivity is commonly defined as a ratio between the output volume and the volume of inputs. It measures how efficiently production inputs, are being used in an economy to produce a given level of output.

Agriculture: The word agriculture derives from the Latin ager (field) and colo (cultivate) signifying, when combined, the Latin agricultura: field or land tillage. But the word has come to subsume a very wide spectrum of activities that are integral to agriculture and have their own descriptive terms, such as cultivation, domestication, horticulture, arboriculture, and vegeculture, as well as forms of livestock management such as mixed crop-livestock farming, pastoralism, and transhumance. The Oxford English Dictionary (1971) defines agriculture as “The science and art of cultivating the soil, including the allied pursuits of gathering in the crops and rearing livestock; tillage, husbandry, farming.”

In the context of a thesis, theoretical orientation refers to the conceptual or theoretical framework or perspective that informs and shapes the overall approach and analysis of the research (Natalie, 2022). It involves selecting and adopting a specific set of theories, concepts, or models that provide a foundation for understanding and interpreting the research topic. The theoretical orientation helps to guide the methodology, and provide a coherent framework for organizing and analysing the data.

Theoretical orientation in a thesis serves several purposes. It helps to establish a theoretical basis for the study, providing a context for the research and connecting it to existing knowledge and theories in the field. It also helps to guide the selection of appropriate research methods and data analysis techniques. The theoretical orientation shapes the overall structure and content of the thesis, ensuring that the study is grounded in relevant theories and concepts and contributes to the existing body of knowledge. By adopting a specific theoretical orientation, the researcher can provide a clear and systematic framework for understanding and interpreting the findings of the study. This orientation also helps to establish credibility and validity for the research, as it demonstrates the researcher’s awareness of and engagement with the existing theoretical perspectives in the field.

This chapter addresses crucial terminology and concepts essential for effectively communicating the ideas of the current study. It lays the groundwork for empirical investigation and aids in the selection of predictor variables. Additionally, this section involves a scholarly and theoretical exercise that influences the operational definition and content of the research. It combines conceptual inputs, axiomatic inputs, logical discussions, and the pursuit of knowledge to construct a theory that aligns with the research objectives and designs.

Introduction

The age-old necessities of life are food, clothing and shelter. The 20^th century had dramatized a fourth-energy. Energy starvation of the technological complex that maintains modern society may soon be as crucial a problem as feeding the hungry. Indeed, energy starvation could well precipitate more wide spread food starvation. Solutions for the energy crisis are strongly dependent on the technology of how energy is produced and used. To make a physical change in the world it is necessary to use four resources: energy, matter, space and time. How well a task has been performed can be measured in terms of amount of fuel consumed, the mass of material used, the space occupied, the hours of labour to accomplish it, and the ingenuity with which these resources are utilized. Squandering of irreplaceable energy resources, waste of materials, or large expenditure of space and time cannot be tolerated if the necessities of life are to be provided for all. Energy is intricately linked to development of a country. Growing demand on account of industrialization, urbanization, transportation and also increase consumption in rural areas is putting added pressure on energy supply network. Electricity generation has been increased from 1,400 MW in the year 1947 to 303,118 MW up to August 31, 2016 in India but still there is 10-15% shortage of power in peak hours and all villages are not electrified. Even many electrified villages receive 6 to 8 hours of electricity per day in India. To overcome this shortage there is a need to utilise new and renewable sources of energy. Fortunately, India is blessed with abundant solar energy. The arid parts of India receives much more radiation as compared to the rest of country i.e. maximum solar radiation i.e. 7600-8000 MJm^-2 (2111-2222 kWhm^-2) per annum, followed by semi-arid parts, 7200-7600 MJm^-2 (2000-2111 kWhm^-2), per annum and least on hilly areas where solar radiation is still appreciable i.e. 6000 MJm^-2 (1667 kWhm^-2) per annum (IMD 1985). In this chapter review of different solar thermal technologies in Indian perspective has been carried out.

Introduction

Solar air heating is the conversion of solar radiation to thermal heat. The thermal heat is absorbed and carried by air which is delivered to a living or working space. The transparent property of air means that it does not directly absorb effective amounts of solar radiation, so an intermediate process is required to make this energy transfer possible and deliver the heated air into a living space (Fig.10.1). The technologies designed to facilitate this process are known as solar air heaters. Solar air heating technologies use only free, renewable and clean energy and can help defray the rising cost of conventional energy.

Thermal Pollution
The term “thermal pollution” refers to the damaging rise in temperature that occurs in rivers, lakes, the ocean, and streams. The local fish and plant life may perish as a result of this temperature increase.
Definition
Thermal pollution refers to the release of warm water into rivers. (OR) Any process that modifies the temperature of water results in thermal pollution, which is the deterioration of water quality.
Causes/Sources
Electric power stations are major contributors to thermal pollution. Burning coal or natural gas produces heat in electric power plants. Because of the high temperatures, water can be turned into steam, which powers turbines and generates electricity. The plant circulates cool water near to the heated steam in order to help condense it. The 15 oC above-average temperature of this heated water is released back into the body of water. Thermal pollution can also be caused by runoff water. Concrete is heatabsorbing and can get extremely hot. The problem of water temperature rise is also a significant issue when runoff from concrete surfaces enters rivers.

Introduction

India’s textile sector is one of the oldest industries in the Indian economy, dating back several centuries. The industry is highly varied, with hand-spun and hand woven textiles sectors at one end of the spectrum and the capital-intensive sophisticated mill sector at the other. The fundamental strength of the textile industry in India is its strong production base of a wide range of fiber/yarns, from natural fibers like cotton, jute, silk, and wool, to synthetic/man-made fibers like polyester, viscose, nylon, and acrylic.

6.1 Introduction

Torrefaction is a thermophilic process of biomass conversion into a solid, friable, homogenous coal-like material, which has better fuel characteristics than the original biomass. Torrefaction involves the heating of biomass material in the absence of air at 250 to 300°C temperature. Torrefaction produces high-grade hydrophobic nature solid biofuels from various streams of woody biomass or agro residues.Torrefied biomass has high energy density then the original biomass which make torrefied biomass as renewable alternate source for power generation in coal power plant. Torrefied biomass being hydrophobic in nature can be stored easily for longer duration with negligible biological degradation. At 250-300°C temperature volatilization has been taking place and around 30% mass of the biomass is reduced as compared to original untorrefied biomass with net energy loss of approximately around 10%.The end product is a predictable, homogeneous, hydrophobic, high value solid biofuel with far higher energy density and calorific value than the original biomass feedstock. During the torrefaction process a combustible gas is released, which can also utilised to provide heat to the process. The process diagram of torrefaction process is shown in Fig. 6.1.