bet365 best casino games According to the official website of Yale University in the United States, recently reported，Researchers such as Soheil Ghili, a professor at the School of Management of the School, found out，The contract period for extending health insurance can protect the insured who are sick from the impact of soaring insurance premiums。

In the United States，Insurance companies often charge higher insurance premiums to insureds who have a history of health or have experienced new health problems in the past year。So，Sickness bet365 best casino games is tantamount to a crisis for Americans without employers or government -funded health insurance。2010，The United States has passed the "Active Medical Act"，Restricting insurance companies to collect different premiums。But，Geely Discovery，The bill has caused many insurance companies to fall into the "death spiral" mode。In order to pay the growing insurance cost，Insurance companies have increased their insurance costs; so，A large number of healthy insureds surrender，Only the insurer who only leaves a serious illness，As a result, the insurance company has to increase the premium。Although the "Active Medical Act" is trying to avoid "death spiral" by forced participation in insurance，But the bill caused a series of legal bet365 live casino games and political differences。

Geely believes，The contract period for extending health insurance can not only help insurance companies pay the medical cost of growth，It can also protect those who are sick from the insured to avoid the impact of the soaring insurance premium。In order to verify the practicality of the vision，Researchers collected 2,2265 male participating insured data in the 25-64 -year -olds from 2013-2015 and analyzed and studied in 2013-2015.。First，Medical expenditure as the standard for measuring the health of the insured，and divide people from the most severe condition to the healthiestness into 7 groups。Second，Designed two types of insurance companies to get along with the insured。In the worst case，Insured people bet365 live casino games who are sick or worse, and insurance companies who try to collect more annual premiums will have disputes。In the best case，Insurance is the insurer's claims for the insured who is sick or the condition.，Avoid the "Death Spiral" mode。Last，The difference between the two situations is "the damage to consumers in the previous situation"，and tested the ability of this "contract period extension plan" to shorten the gap。

Research results show，Most experimental objects are relatively good in their physical condition when participating in the insurance; their long -term contracts are very close to the best situation，shortened the gap of 95.1%。For those who are already sick when participating in insurance，Long -term contracts can only shorten bet365 live casino games the worst case and 7.6%between the best situation。Geely Suggestion，Special subsidies should be attached on the basis of providing long -term contracts for people with poor health conditions，to help insurance companies reduce costs。

Geely said，The contract period for extending health insurance has the potential to create a win -win situation for the insured and the insurance company。In the future，Researchers will thoroughly excavate how the long -term insurance market sponsored by the employer will interact with the medical market、How to perform long -term contracts such as long -term contracts in real life。

　(Liu Yuwei/Compilation)