英语翻译The beneficial effects of deductibles,coinsurance,and coverage exclusions as methodsof controlling moral hazard have been largely neglected.Because these insurance provisionsdirectly allocate losses to the insured,their existence might se

英语翻译The beneficial effects of deductibles,coinsurance,and coverage exclusions as methodsof controlling moral hazard have been largely neglected.Because these insurance provisionsdirectly allocate losses to the insured,their existence might se
英语翻译
The beneficial effects of deductibles,coinsurance,and coverage exclusions as methods
of controlling moral hazard have been largely neglected.Because these insurance provisions
directly allocate losses to the insured,their existence might seem antithetical to
broad loss-spreading.But here again,the limitations of the loss-spreading metaphor becomes
clear.Deductibles and coinsurance admittedly place some proportion of loss on the
insured; a coverage exclusion places all of the loss.To this end,these provisions conflict
with simple loss-spreading.But because such provisions lower total insurance costs,they
allow the extension of basic insurance benefits more broadly to the society.Thus,for
example,the exclusion of-life insurance coverage to suicides allows the premium for basic
life insurance to be lower,and makes it possible for some individuals who would not or
could not purchase life insurance at a higher premium to obtain basic life insurance
protection.Thus,though seemingly,paradoxical,reducing insurance benefits through de
小女子英文虽然不是特别次,但遇到这类大段大段的文就完全头痛无比了.拜托各位英语强人帮俺翻译了这些吧,感恩戴德~

英语翻译The beneficial effects of deductibles,coinsurance,and coverage exclusions as methodsof controlling moral hazard have been largely neglected.Because these insurance provisionsdirectly allocate losses to the insured,their existence might se
绝对免赔额的有利影响,共同保险的有益作用,以及覆盖范围的排除方法
道德风险控制基本上被忽视.由于这些保险规定
直接分配给被保险人的损失,它们的存在似乎对立的
广泛损失蔓延.但是,这方面损失的限制,成为传播隐喻
清楚的.免赔额和共同保险公认放在一些亏损面
保险,一个覆盖排除地方的全部损失.为此,这些规定相冲突
简单的损失蔓延.但由于这些规定更低的总保险费用,他们
使基本保险福利扩展更广泛的社会.因此,
例如,排除人寿保险的自杀使基本保费
人寿保险要低,可以使某些个人或谁不
无法购买更高的寿险保费获得基本生活保险
保护.因此,尽管表面看来,矛盾,减少通过解除保险福利来解决.