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  3. Insurance Company X is considering issuing a new policy to cover services requir

Insurance Company X is considering issuing a new policy to cover services requir

游客2025-02-26  23
问题 Insurance Company X is considering issuing a new policy to cover services required by elderly people who suffer from diseases that afflict the elderly. Premiums for the policy must be low enough to attract customers. Therefore, Company X is concerned that the income from the policies would not be sufficient to pay for the claims that would be made. Which of the following strategies would be most likely to minimize Company X’ s losses on the policies?
选项 A、Attracting middle-aged customers unlikely to submit claims for benefits for many years.
B、Insuring only those individuals who did not suffer any serious diseases as children.
C、Including a greater number of services in the policy than are included in other policies of lower cost.
D、Insuring only those individuals who were rejected by other companies for similar policies.
E、Insuring only those individuals who are wealthy enough to pay for the medical services.
答案 A
解析 本题让我们寻找一个选项以使得X公司在该保单上的损失降至最低，实际上是寻找一个支持选项。如果保险公司向尽可能多的属于低风险群的人们提供保险，它就可以提高收入与要求偿付保险金的比例，从而使损失最小化。因为选项(A)中描述的策略向保单持有人这个群体中增加了一个低风险群，(A)是正确答案；选项(B)是无关选项，因为在幼儿时期的疾病和影响老年人的疾病之间没有建立任何联系；选项(C)不合适，因为增加提供服务的数量不可能使损失最小化；选项(D)不合适，因为这会增加产生对该保单的索赔要求的可能性。因为保单持有人需书面要求按保单提供相应的服务，而不需要他们自己为这些服务付费，选项(E)是无关选项。
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