Principios Generales de SegurosPregunta 346 de 716
In insurance, a 'moral hazard' refers to:
a.The pure chance of a loss occurring with no possibility of gain
b.A tendency toward dishonesty, such as exaggerating or faking a claim to collect money
c.A physical condition, such as a pre-existing illness, that increases the chance of loss
d.Indifference or carelessness toward a loss simply because insurance exists
Explicación
A moral hazard arises from a person's dishonesty or character, such as intentionally causing or padding a loss to collect insurance money. A tangible condition that increases risk (like a heart condition) is a physical hazard. Carelessness because coverage exists is a morale hazard (spelled with an 'e'). The pure chance of loss with no gain describes pure risk, not a hazard. Distinguishing these terms matters because insurers screen for moral hazard during underwriting to protect the pool.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)