信息化經濟管理學與財務知識分析(PPT 29頁)

信息化經濟管理學與財務知識分析(PPT 29頁)簡介：

信息不對稱 Information asymmetry
潛在的參保者比醫療保險公司更了解自己將來可能的醫療保健支出

The potential insured person knows more about her (his) expected health expenditures in the coming period than does the insurance company.
具體地講 More specifically
參保者知道自己將來的醫療費用（類似於二手車的車主）
Insured knows her (his) future expenditure exactly (similar to the owner of the cars)
保險公司隻了解所有參保者的醫療費用的分布 （類似於買車的人）
Insurance company knows only the distribution of expenditures for all insured persons(similar to the buyer of the cars)

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