The Use of Coinsurance Clauses and Deductibles Is an Attempt

question 44

Multiple Choice

The use of coinsurance clauses and deductibles is an attempt by insurance companies to deal with the problem of:

• A) non-payment of premiums.
• B) adverse selection.
• C) insufficient government regulation.
• D) moral hazard.

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Definitions:

Early Childhood

A developmental stage that spans from infancy to kindergarten age, characterized by rapid physical, cognitive, and emotional growth.

Somnambulism

A sleep disorder known as sleepwalking, where an individual walks or performs other complex behaviors while asleep.

Non-REM Sleep

A phase of sleep that is divided into three stages and does not include rapid eye movement, responsible for deep and restorative sleep.

Sleepwalking

A phenomenon where an individual walks or performs other complex behaviors while in a state of sleep.