Question

What is a "malus" in health insurance?

a.

A bonus for policyholders with high claim ratios

b.

A loading of premium collected at renewal for policies with high claims

c.

A discount on premium for every claim-free year

d.

A restriction on the category of room a policyholder can choose

Answer: (b).A loading of premium collected at renewal for policies with high claims Explanation:A "malus" in health insurance is a loading of premium collected at renewal when claims under a policy are very high.

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Q. What is a "malus" in health insurance?

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