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Definição Inglês:
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If the insured knows his risks better than the insurer, he can insure his coverage by paying it cheaper than what should be according to his level of risk. If due to this phenomenon, the insurer faces too many bad risks, then it will be forced to increase its premiums while moving away from good risks. In this case, the insurer is affected by the asymmetry of the information: 1) The insured, when covered, adopts risky behavior that the insurer is not able to detect. Insurers apply franchises and co-payments to minimize this risk; 2) medical staff can offer services to patients with the sole purpose of maximizing their income without the insurer being able to control it. (Free translation from: https://bit.ly/2gNLzvf) |