| 词汇 | risk-based |
| 释义 | risk-based adjective FINANCEukus done or calculated according to how much risk is involved: Lenders charge higher rates to borrowers with worse credit records, a practice known as risk-based pricing. Examples of risk-basedrisk-based Such costs could be quantitatively important in assessing the relative merits of any move to risk-based premiums with in-built subsidies. It consists of risk-based premiums, complemented by a tax-financed transfer mechanism. In addition, in the case of risk-based premiums, subsidies at least depend on market premiums rather than on political negotiations. Therefore, they advocate risk-based premiums in public health insurance combined with means-tested premium-based subsidies. This contribution argues for risk-based premiums also in public health insurance. These efficiency losses can be avoided by letting insurers charge risk-based premiums, complemented by a tax-financed transfer mechanism. It could be speculated that an additional factor has been the tendency of the insurance industry to pay lip-service to the principle of risk-based premiums. This distinction also points to the definition of the term 'risk' when talking about risk-based premiums. However, risk-based premiums are determined by many risk factors, not all of which society may want to use for determining the subsidies. Is there a case for risk-based premiums in health care insurance? Recognizing this difficulty, extensive research effort over some 20 years has focused on the development of risk-based models which would assist in the decision-making process. In a simple form, the non-means-tested risk-based subsidy could be as follows. The ethical distinction between risk-based rationales and need-based rationales emerges most clearly in their differing views of tractable contraindications. The main concern with risk-based premiums is of course equity. When an insurance portfolio is concerned, it is necessary : (i) to set up the portfolio reserve, (ii) to allocate the solvency margin (or risk-based capital). See all examples of risk-based These examples are from corpora and from sources on the web. Any opinions in the examples do not represent the opinion of the Cambridge Dictionary editors or of Cambridge University Press or its licensors. |
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