4. 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? 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
答案为a ,很清楚。其他各项除了c 外,都想明白了。
我认为c,在保险中包括更多服务项目,是可能吸收更多policyholder的,故可以增加收入,也是对的。
怎样排除c呢?谁让我醍醐灌顶,豁然开朗呀?谢谢 |