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Glossary entry

English term or phrase:

adverse selection

Spanish translation:

selección adversa o negativa / antiselección

Added to glossary by Richard VH
Nov 19, 2023 14:20
6 mos ago
26 viewers *
English term

nonwriting contract

English to Spanish Law/Patents Insurance
What term describes the tendency of individuals with a greater than average chance of a loss to purchase insurance?
Anti-term insurance.
Nonwriting contracts.

Muchas gracias
Proposed translations (Spanish)
3 +1 selección adversa o negativa / antiselección
5 +1 Selección adversa
Change log

Nov 24, 2023 05:59: Richard VH Created KOG entry

Discussion

Tomasso Nov 20, 2023:
nonwriting, policy without underwriting ? Espero no hablar mas que la cuenta.....otros vocabularios.....nonwriting contracts.....guarateed issue, wunderwriting processes vease a https://www.soa.org/globalassets/assets/files/resources/rese... s. This method of underwriting falls
between guaranteed issue (no underwriting, highest premiums) and full/accelerated underwriting (more
underwriting, lowest premiums); however, underwriter review is sometimes necessary with SI.

Proposed translations

+1
5 hrs
Selected

selección adversa o negativa / antiselección

Mi respuesta es a la pregunta en base al poco contexto.

MENU
CONCEPTOS 23 DE NOVIEMBRE DE 2021
Selección adversa
por IVAN MOLINIERS

La selección adversa es una forma de asimetría de la información en la que una de las partes no tiene la información necesaria para identificar los riesgos y esta situación es aprovechada por la contraparte.

Ejemplo

Un ejemplo de selección adversa ocurre en el mercado de seguros médicos. La compañía no tiene la información suficiente sobre los riesgos de cada individuo, entonces sucederá que los individuos con mayor riesgo serán los más interesados en el seguro.

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Note added at 5 horas (2023-11-19 19:59:35 GMT)
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https://marketdata.com.py/educacion/conceptos/seleccion-adve...

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Note added at 5 horas (2023-11-19 20:03:08 GMT)
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https://www.healthinsurance.org/glossary/adverse-selection/#...

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Note added at 5 horas (2023-11-19 20:14:08 GMT)
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Adverse Selection
The social phenomenon whereby persons with a higher than average probability of loss seek greater insurance coverage than those with less risk.

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Note added at 5 horas (2023-11-19 20:15:14 GMT)
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https://content.naic.org/consumer_glossary
Peer comment(s):
agree Tomasso : preponderance of high risk will look for insurance.
3 hrs
Gracias. Esa referencia clarifica más las cosas.
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4 KudoZ points awarded for this answer. Comment: "Muchísimas gracias"
+1
9 days

Selección adversa

Selección adversa es la palabra que yo uso diaramente en mi empresa de seguros para explicarle a los clientes cuando tienen tendecia a ser de alto riesgo.
Peer comment(s):
agree Richard VH
36 days
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