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:

Sexual Behavior

Actions that are related to or involve sexuality, including the expression of sexual feelings and activities.

Intellectual Ability

The capacity to think abstractly, comprehend complex ideas, learn quickly from experiences, and use reasoning and problem-solving skills.

Confidentiality

The state of keeping information secret or private, often within a professional context.

Informed Consent

Assent given by a mentally competent individual at least 18 years old with full knowledge of the purpose and potential risks and benefits of participation.