In Assessing the Potential Degree of Risk Represented by a Proposed

question 33

Multiple Choice

In assessing the potential degree of risk represented by a proposed insured, a health underwriter considers the factor of antiselection. Antiselection can correctly be defined as the

• A) inability of a proposed insured to share with the insurer the financial risks of healthcare coverage
• B) possibility that a proposed insured will profit from an illness by receiving benefits that exceed the total amount of his or her eligible medical expenses
• C) inability of a proposed insured to provide sufficient evidence that proves he or she is an insurable risk
• D) tendency of people who have a greater-than-average likelihood of loss to apply for or continue insurance protection to a greater extent than people who have an average or less than average likelihood of the same loss

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Definitions:

Militancy

The use of confrontational or violent methods in support of a political or social cause, often characterized by a radical approach to achieving objectives.

Marxism

A socio-economic ideology which argues that class struggle is a central element in the analysis of social change in Western societies, developed by Karl Marx.

Buddhism

A major world religion or philosophy founded in northeastern India in the 5th century BC, based on the teachings of Siddhartha Gautama, known as the Buddha.