Which of the Following Is Not an Advantage of Risk

question 97

Multiple Choice

Which of the following is not an advantage of risk pooling?

• A)By insuring large groups as opposed to individuals, health insurance providers reduce adverse selection.
• B)It gives very sick people in the group the same access to health care at the same premiums as healthy individuals.
• C)It is easier for an insurance company to estimate the average number of claims likely to be filed under a group policy than it is to predict the number of claims likely to be filed under an individual policy.
• D)Individuals who are insured and therefore do not have to pay the full cost of health care services may be inclined to over-use those services.

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Definitions:

Traditional Classroom

a physical space where face-to-face teaching and learning occur, following conventional teaching methods.

Six Sigma-Based Training

A method of professional training focused on improving and optimizing processes by reducing defects and variability, guided by the principles of Six Sigma.

Nonverbal Communication

The process of conveying information or expressing emotions without the use of spoken language, through gestures, facial expressions, body language, and other cues.

Interpersonal Skills

Abilities that facilitate effective and positive communication and interactions between individuals.