GMAT申友逻辑CR题库-Insurance Company X is considering issuing a new policy to cover services required by elderly people who suffer from diseases-OG16-真题答案解析

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Insurance Company X is considering issuing a new policy to cover services required by elderly people who suffer from diseases 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 be 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 diseases as children

(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

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答案：

保险公司X�

�虑一项新政策，包括对遭受疾病困扰的老人提供需要的服务。这项政策的保费足够低以吸引客户。因此，公司X担心此政策的收入不足以负担索赔。问题问如何最小化X公司Loss Loss = claim – premium； loss最小，就是Claim最小，或premium最大 A 吸引很多年都不可能索赔的中老年客户；最小化claim，正确 B 只对那些小时候不得严重疾病的人提供保险；小时候不得病 ≠ 成年病少 C 此政策比其他低成本政策提供更大量服务；更多服务，更多成本，Loss增大，方向反 D 只对那些被其他相同政策公司拒绝的人提供保险；被其他公司拒绝，说明风险大，Claim可能性大，方向反 E 只对那些足够有钱，够付医药服务的人提供保险；富人依然会索赔，如果本身容易得病，排