意外与健康保险基础第 338 / 716 题
The term 'morbidity' as used by health insurers refers to:
a.The share of premium an insurer spends on agent commissions and marketing
b.The interest rate an insurer credits to its statutory policy reserves each year
c.The incidence and severity of sickness and disability in a given group
d.The rate at which the people in a given insured group die during a year
解析
Morbidity measures the frequency and severity of illness, injury, and disability within a defined population, and health insurers use morbidity tables to price coverage. Mortality, by contrast, measures the rate of death and is used mainly for life insurance pricing. Morbidity is not an interest or investment measure, nor is it a marketing or commission figure. Understanding the morbidity-versus-mortality distinction is fundamental: health insurance risk is about getting sick or disabled, while life insurance risk is about dying.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)