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

jessicacao

58. Insurance Company X is considering issuing a new policy to cover series required by elderly people who suffer from disease 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 bre 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 disease for 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

 

The answer is (A).

My questions is

1, Is this归纳题?

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?

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.

 

Please shed some lights, please!! Thanks!

s7s7

1.解释题吧？

2.保险公司本身就是寅粮卯吃，今天收你的保费用来今天别人的索赔，然后明天你要索赔了，那明天别人的保费赔你，要想减小损失，就只能打时间差，收中年人的钱赔老头老太太，赶明儿中年人老了，还有新的中年人交钱。

3.一般保费是很低廉的，有钱人没钱人都交得起，保险公司实际上在做一个很大的样本，买保险的人越多，收的保费越多，但是赔偿的概率，精算师都事先已经算好，所以买的人越多越不可能赔钱，只卖给富人这么小的群体是不行的。

偶不是保险公司的啊！

jandjshi

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.

"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]

cicisummer

继续问~~

我想问B为什么不行？

如果只保那些不生很严重病的人比如孩子，也可以减少损失啊~？？？