首页
登录
职称英语
【B1】 [br] 【B7】 [originaltext] Things have changed in your life. Most notably,
【B1】 [br] 【B7】 [originaltext] Things have changed in your life. Most notably,
游客
2024-03-05
24
管理
问题
【B1】 [br] 【B7】
Things have changed in your life. Most notably, you are no longer employed. Perhaps you’ve been laid off from your former workplace. Perhaps you are in the process of starting a business. Perhaps you are staying home to care for a child you’ve recently adopted. You decide to apply for a variety of insurances that will help you to manage the risks inherent in life(health, life, disability). A few weeks after filling out your applications, you receive a reply from the insurance company that goes something like, "Dear So-and-so. Upon review of your application we are sorry to report that we cannot insure you at this time". A rejection? What’s that all about? You call them up and find that they have rejected your application for certain insurances because of your past history of mental illness.
Outrageous, right? Nope. This is more or less how our insurance system works.
The chain of events that has led up to your insurance rejection went something like this. All those years ago when you were in therapy, your diagnosis was sent back to the insurance company that was paying for your therapy. They, in turn, sent it out to an institution known as MIB(short for "Medical Information Bureau", not "Men In Black"). MIB is a not-for-profit data warehouse sponsored by major insurance carriers. MIB’s purpose is to record, retain and share personal medical information collected about you by an insurance company with other insurance companies. As part of the standard process of reviewing your application for insurance coverage, the insurance company called up MIB and took a look at your record. Noting the "mental illness" diagnosis there, they decided that it was not in their interests to offer you insurance because of your previous diagnosis. The reasoning would be something Nike, "This person may very well get depressed again in the future, possibly even depressed enough so that you require treatment or become disabled. We’d have to pay for that treatment. There is, therefore, too much risk involved in insuring this person."
选项
答案
institution
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3507432.html
相关试题推荐
[originaltext]Goodmorning,class.Mytopictodayishowtofeedahungryw
[originaltext]Goodmorning,class.Mytopictodayishowtofeedahungryw
[originaltext]WhileithaslongbeenapracticeinAsiancountries,manype
[originaltext]AstudyhasfoundthateducationalTVshowscomewithanadde
[originaltext]AstudyhasfoundthateducationalTVshowscomewithanadde
[originaltext]AstudyhasfoundthateducationalTVshowscomewithanadde
[originaltext]Thesaying"blindasabat"simplyisn’tcorrect.Thetruthi
[originaltext]Thesaying"blindasabat"simplyisn’tcorrect.Thetruthi
[originaltext]Thesaying"blindasabat"simplyisn’tcorrect.Thetruthi
[originaltext]M:WithmeinthestudiotodayisMs.JaneLogan,authorofanew
随机试题
HowtoDevelopanOutlineI.ApreliminaryoutlineA.
12ThingsI’veLearnedFromTravelingAroundtheWorldforThreeYearsO
[originaltext]Howmuchwatershouldyoudrinkeachday?It’sasimplequest
面对多变的经济形势,我们主张要大力推动开放创新。国际金融危机爆发7年来的实践证明,唯有同舟共济,才能渡过难关。在相互依存的世界里,各国有权根据自己的国情
在某工程双代号网络计划中,工作N的最早开始时间和最迟开始时间分别为第20天和第2
基金信息披露应满足的原则不包括()。A.完整性 B.规范性 C.真实性
施工控制网的原则是()。A.一个控制网采用一个级别布设 B.具有足够精度
修正的总费用法是对总费用法的改进,其修正内容包括( )。A.只计算索赔事件受外界
对脑血管具有较强扩张作用的钙拮抗药是A.维拉帕米 B.硝苯地平 C.尼莫地平
王某在某三级甲等医院接受器官移植手术,医院不得收取的费用是:A.摘取、植入人体器
最新回复
(
0
)