Insurance

Lựa chọn bất lợi

A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.

Quick answer: A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.

This term page is part of the Protermify Finance glossary and is published as static HTML for fast indexing and clear language coverage.

Languages

Quick answer

A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.

Why it matters

Lựa chọn bất lợi matters because it supports clear communication in Insurance contexts for Financial Analysts, Bankers, and Traders. It also connects to aviation training and exam language such as CFA, ACCA, and FRM.

Editorial context

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Questions and answers

Questions and answers

What is Lựa chọn bất lợi?

In this glossary, Lựa chọn bất lợi refers to: A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.

How is Lựa chọn bất lợi used in finance?

In finance communication, this term appears in contexts such as: "Lựa chọn bất lợi có thể khiến chi phí bồi thường tăng nếu nhóm khách hàng toàn người rủi ro cao."

Why does Lựa chọn bất lợi matter in finance?

Lựa chọn bất lợi matters because it supports clear communication in Insurance contexts for Financial Analysts, Bankers, and Traders. It also connects to aviation training and exam language such as CFA, ACCA, and FRM.

Who uses Lựa chọn bất lợi?

Lựa chọn bất lợi is mainly used by Financial Analysts, Bankers, and Traders.

What category does Lựa chọn bất lợi belong to?

In this glossary, Lựa chọn bất lợi is grouped under Insurance. Related pages in this category explain adjacent procedures, commands and operational concepts.

Where does this definition come from?

This definition is sourced from CFA Institute, IFRS Foundation, FASB (GAAP), Basel III Framework and published by Protermify Finance as a static finance reference page.

Definition

A situation in which higher-risk individuals are more likely to purchase insurance, leading to an imbalance in the risk pool and potential losses for the insurer.

Operational example

Adverse selection can lead to higher claim costs if the insurance pool disproportionately attracts high-risk individuals.

Localized term

Lựa chọn bất lợi

Localized example

Lựa chọn bất lợi có thể khiến chi phí bồi thường tăng nếu nhóm khách hàng toàn người rủi ro cao.

Definition language

English reference definition

Source

CFA Institute, IFRS Foundation, FASB (GAAP), Basel III Framework

Category

Insurance

Exam relevance

  • CFA
  • ACCA
  • FRM

Target audience

  • Financial Analysts
  • Bankers
  • Traders

Related terms

Use the related links below to continue through connected finance terminology.

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