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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?

AAttracting middle-aged customers unlikely to submit claims for benefits for many years
BInsuring only those individuals who did not suffer any serious diseases as children
CIncluding a greater number of services in the policy than are included in other policies of lower cost
DInsuring only those individuals who were rejected by other companies for similar policies
EInsuring only those individuals who are wealthy enough to pay for the medical services

正确答案: A

OG11-58 (no one has asked before...)

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jandjshi

楼主

发表于 2007-6-21 09:42:00 | 显示全部楼层

2, 归纳题
should not have any new concept in the answer. Middle-aged customer is a completely unheard concept. It has been stated in the question that only elderly people would be the target of the new policy. Isn't this a paradox?

Elderly and middle-aged are all customers.

3, Why not E? If wealthy people can afford the medical services, the chance for them to submit the claim is pretty low. It is self-explanable.

"the chance for them to submit the claim is pretty low" - this is your assumption. It's best to avoid making assumptions.

[此贴子已经被作者于2007-6-21 9:46:47编辑过]